KR100869966B1 - Method for Processing Duplication Settlement Admission by Using Mixed Admission Message - Google Patents

Abstract

The present invention relates to a method for generating a mixed approval full text of payment information and discount information, and a method and a system for processing a discount coupon (or merchant earning point) using the same. The client credit card number information and the discount coupon (or merchant earning point) information are provided. The first step of establishing an authentication server for performing discount coupon (or merchant earning point) processing by matching with the payment processing relay server on the communication network, and terminal information from the payment terminal obtained the credit card number information of the client; A second step of providing merchant information) and client credit card number information to the authentication server, and a discount that the client can use at the merchant according to the terminal information (merchant information) and client credit card number information in the authentication server. Extract coupon (or merchant point) information to the payment terminal A fourth step of providing a mixed authorization request message including a third step of providing the client credit card authorization request and a discount coupon (or merchant earning point) authorization request information from the payment terminal and providing it to the payment processing relay server; A fifth step of confirming the discount coupon (or merchant earning point) approval request information included in the mixed approval request message from the authentication server associated with the processing relay server, and performing discount coupon (or merchant earning point) approval process; And a sixth step of transmitting, to the payment terminal, a mixed authorization response message including the credit card transaction approval response and the discount coupon approval response and the newly given discount coupon (or merchant reserve point) information.

According to the present invention, a credit card transaction approval and discount coupon (or merchant earning point) approval request and response to the full text of the composition of the combination, by using a discount coupon (or merchant earning point), etc. There is no additional burden, and the same transaction authorization number is used as the credit card transaction, so batch processing is possible when a cancel transaction occurs. In addition, since it can be used directly without replacing credit card payment terminals, such as credit cards and CAT terminals, which are currently widely used, system construction and terminal replacement costs can be reduced. In addition, by using the credit card number information, it is possible to integrate and manage a variety of loyalty information, such as discount coupons, merchant reserve points, electronic money.

Credit Card Number, Mixed Specialty, Discount Coupon, Merchant Point

Description

Method for Processing Duplication Settlement Admission by Using Mixed Admission Message}

1 is a main configuration of the present invention in which a payment terminal, a payment processing relay server, an authentication server, and a credit card provider are configured through a communication network.

2 is a simple flowchart of a process in which the present invention is implemented.

3 is a simple flowchart of a process in which the present invention is implemented.

4 is a simple flowchart of a process in which the present invention is implemented.

5 is an exemplary view of full text of an authorization request for credit card transaction and discount coupon use according to the present invention.

Figure 6 is an exemplary view of the full-text data for the authorization response for credit card transactions and discount coupon use in accordance with the present invention.

7 is a simple illustrative view of the present invention.

8 is a simple illustrative view of the present invention.

9 is a simple illustrative view of the present invention.

10 is a simple illustrative view of the present invention.

11 is a simple illustrative view of the present invention.

<Description of main parts of drawing>

100: payment terminal 105: authentication server

110: discount coupon (or merchant reserve point) information database 115: payment processing relay server

120: credit card provider.

The present invention relates to a method for generating a mixed approval full text of payment information and discount information, and a method and a system for processing a discount coupon (or merchant earning point) approval using the same. In order to purchase a product or use a service, a client's credit card number is used. By using the client, the discount coupon (or merchant earning point) that the client possesses and can use at the merchant is extracted, and the approval for use of the extracted discount coupon (or merchant earning point) is mixed with the credit card transaction authorization. It is to be processed in a specialized form.

Discount coupon is one of various marketing means for customer acquisition and promotion. Initially, discount coupon is a paper that includes information such as product name, discount amount or ratio, expiration date, etc. for the product. When providing to the customer, and to purchase the product, by referring to the discount coupon information is to discount the product amount according to the discount amount or ratio.

Recently, with the development of the Internet, the Internet infrastructure such as high-speed Internet communication network is widely spread, the e-commerce market is activated, and many sites that provide various discount coupons have been created online.

However, the discount coupons are mainly focused on attracting and promoting customers, and are generally distributed randomly to an unspecified number without accurate distribution of specific targets, and discount coupons for products frequently used or services frequently used by customers. It was not easy to obtain.

In addition, even in the use of discount coupons, when purchasing a product applied by printing the discount coupons, there was also the inconvenience of presenting the discount coupons one by one, there have been a lot of problems that must be settled and stored a number of discount coupons.

Therefore, there is a need for a more convenient way to apply discount coupons when purchasing goods or using services.

An object of the present invention for resolving the above problems is to use the client's product purchase or service, by using the client's credit card number and payment terminal (merchant information) information, the client is held in the merchant Extract the available discount coupon (or merchant earning point) from the authentication server, and use the extracted discount coupon (or merchant earning point) to process the billing information so that it can be combined with credit card transaction approval and processed in one specialized form. The present invention provides a method for generating a mixed approval specialty of discount information and a method and a system for processing a discount coupon (or merchant reserve point) using the same.

The present invention relates to a method for generating a mixed approval full text of payment information and discount information, and a method and a system for processing a discount coupon (or merchant earning point) using the same. The client credit card number information and the discount coupon (or merchant earning point) information are provided. The first step of establishing an authentication server that performs a discount coupon (or merchant earning point) processing function by matching with the payment processing relay server on the communication network, and the terminal information (from the payment terminal obtained the credit card number information of the client); A second step of providing the merchant server) and client credit card number information to the authentication server, and according to the terminal information (merchant information) and client credit card number information in the authentication server, the client can use it at the merchant. Payment terminal by extracting the discount coupon (or merchant reserve point) information A fourth step of providing a mixed approval request message including a client credit card approval request and a discount coupon (or merchant earning point) approval request information at a payment terminal, and providing it to a payment processing relay server; A fifth step of confirming the discount coupon (or merchant earning point) approval request information included in the mixed approval request message in the authentication server linked to the payment processing relay server, and performing discount coupon (or merchant earning point) approval processing; And a sixth step of transmitting, to the payment terminal, a mixed authorization response message including a credit card transaction approval response and a discount coupon (or merchant earning point) approval response and information on the discount coupon (or merchant earning point) newly granted to the client. It is made to include.

According to the present invention, the mixed approval message processed between the payment terminal and the authentication server is a mixed approval including an authorization request for the client's credit card transaction and the use of a discount coupon (or affiliated point) associated with the credit card number information. It means the full text of the request and the mixed approval response in accordance with the approval request.

In addition, according to the present invention, the mixed approval preamble is used in conjunction with the existing credit card transaction approval preamble, including the use approval preamble such as discount coupons (or merchant reserve points) associated with the transaction, discount coupon (or merchant reserves) It is to use discount coupons (or merchant earning points) by using credit card number information more efficiently without the additional burden of use authorization fee.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a main configuration of the present invention in which a payment terminal 100, a payment processing relay server 115, an authentication server 105, and a credit card provider 120 are configured through a communication network.

The figure shows a payment terminal 100 for acquiring credit card number information from a client through various payment means at a payment processing time according to a product purchase or service use, and a payment processing relay server 115 on a communication network. It stores the information about the discount coupon (or merchant credit points) held by the client and performs a discount coupon (or merchant credit points) approval processing function at the request of the client (or payment terminal 100). Located on the authentication server 105 and a Value Added Network (VAN) to perform a payment processing relay for the purchase of a product or use of a service, and a discount coupon (or Merchant points) through the payment processing relay server 115 and payment terminal 100 to help the approval process of the client to make a payment A credit card company 120 to a payment authorization for the payment means, including a credit card number for a state diagram for the present invention that are connected to each other through a communication network.

This figure shows, according to the present invention, the credit card number information and the payment terminal 100 information (merchant information) of the client obtained through the payment terminal 100 through the respective components shown, the authentication server 105 By providing, the client extracts a discount coupon (or merchant earning point) that can be used in the merchant to provide to the merchant payment terminal 100, credit card transactions and the discount coupon (or merchant earning point) according to the payment transaction The mixed approval message for the use of) should be constructed and processed.

In addition, according to the present invention, through the mixed approval professional processing, processing for the use of credit card transactions and discount coupons (or merchant earning points) is collectively performed, and the approval (request and response) and transaction cancellation Reduce the burden of using the network.

The communication network according to the present invention includes all types of public networks, including all types of private networks including public value added networks (VANs), financial computer networks, public switched telephone networks (PSTNs), and wired and wireless Internets. Means the total network to include.

The payment terminal 100 is located in an affiliated store and other large distribution stores where a product purchase or service use of a client occurs, and according to the present invention, by using a credit card number, a credit card system and a CAT used for an existing credit card transaction It is possible to use without replacing the payment terminal 100, such as a terminal, and for the proper implementation of the present invention, it is provided with a processor that can process the approval request and response of the discount coupon (or merchant establishment points).

According to the present invention, the payment terminal 100 obtains the credit card information from the client payment means, to confirm whether the client has a discount coupon (or affiliated point earned points) that can be used in the affiliated store, authentication server ( 105) by providing the credit card number information and payment terminal 100 (merchant) information, the client requests a list of discount coupons (or merchant points earned) that can be used at the merchant.

In addition, the payment terminal 100 obtains a discount coupon (or affiliated store earned point) information that can be used by the client from the authentication server 105 to provide to the client, the discount coupon (or / to be used by the client) And merchant earning points). The payment terminal 100 generates a mixed authorization request text including the authorization request details of the client's credit card transaction and the use of the selected discount coupon (or / or merchant reserve point), and transmits it to the payment processing relay server 115. Function to transmit.

In addition, the payment terminal 100 is a mixed approval including the details of the approval response for the credit card transaction and the use of the discount coupon (or merchant earning point) and the discount coupon (or merchant earning point) newly granted to the client. Receive a full response message and include the details in a transaction record such as a receipt provided to the client.

The authentication server 105 is connected to the payment processing relay server 115 on the communication network, and has a discount coupon (or affiliated store point) information database 110. The discount coupon (or merchant earning point) information database 110 stores the credit card number information of the client and information about the discount coupon (or merchant earning point) held by the client. In addition, since the client credit card number information and the client-owned discount coupon (or merchant point earned point) information are matched and stored in the discount coupon (or merchant point earned point) information database 110, the credit card number according to the present invention is stored. Enables the use of discount coupons (or merchant points earned) used.

According to the present invention, the authentication server 105 receives the credit card number information of the client and the payment terminal 100 (merchant) information from the payment terminal 100, the received credit card number information and payment terminal 100 ( Merchant store information is compared with the client credit card number information in the discount coupon (or merchant store points) information database 110, the discount coupon (or merchant store reserve) that the client can use through the payment terminal 100 of the merchant Point) to extract the information, and transmits to the payment terminal (100).

In addition, the authentication server 105 is for the use of credit card transactions and discount coupons (or merchant reserve points) according to the purchase of goods or use of services of the client transmitted via the payment processing relay server 115 from the payment terminal 100. Receive a mixed approval request text including the approval request details, process the discount coupon (or merchant earning point) approval request of the client included in the mixed approval request message, and perform a new discount coupon (for the client). Or by granting a merchant earning point, the payment terminal (100) to approve the discount coupon (or merchant earning point) approval response.

In addition, the authentication server 105, when canceling the approval of the credit transaction using a discount coupon (or merchant earning point) for the purchase of goods or use of services, the use of credit card transactions and discount coupons (or merchant earning points). Receive the mixed cancellation request full text including the authorization cancellation request for the payment through the payment processing relay server 115 from the payment terminal 100, the discount coupon included in the mixed cancellation request message (or merchant credit points) This function is to handle cancellation of approval of use.

The authentication server 105 is associated with the payment processing relay server 115 can perform its function, it is specified that it can be located in the communication network to perform the function independently.

In addition, the discount coupon (or merchant earning point) information database 110 may store a variety of royalty information, such as the merchant earning point information of the client, together with the discount coupon information described above, the merchant earning point information It is also matched with the client's credit card number information, through which the discount coupons, affiliated credit points, such as to help with the interworking process.

For example, in the above case, the client receives the client credit card number information from the payment terminal 100 and transmits to the authentication server 105 in the payment for the purchase of the product or the use of the service. Various loyalty information including merchants and the like is confirmed, and the confirmed royalty information is transmitted to the payment terminal 100 to provide the client with the use of royalty information in various ways.

Therefore, it is possible to separately use the discount coupon and merchant points, and can use both discount coupons and merchant points. In addition, after the use of the discount coupon can be obtained by the merchant points earned according to the purchase or use of the service, and conversely, after the use of the merchant points earned, may be further provided with a discount coupon.

The payment processing relay server 115 functions to perform a relay business of payment approval by various payment means on a communication network, and according to the present invention, the payment processing relay server 115 borrows a communication line from a line-owning company. A value added network (VAN) company that provides a number of additional services by constructing a communication network and operating a value added network that adds some value through the configured independent communication network may be appropriate.

In addition, according to the present invention, the payment processing relay server 115 in conjunction with the authentication server 105, through the authentication server 105 to effectively proceed with the approval process of the discount coupon (or affiliated store points). Play a role in helping.

The credit card provider 120 performs a role of issuing and managing a credit card provided as a payment method according to a client's purchase of a product or using a service, and performs a payment approval for the credit card transaction.

2 is a simple flowchart of a process in which the present invention is implemented.

The figure shows that the client possesses the goods to be purchased or services to be used by the client from the payment terminal 100 at the time when the client tries to make a payment using a payment means including a credit card number. Mixing of the discount coupon (or merchant credit point) through the authentication server 105 associated with the payment processing relay server 115, the approval of the use of the discount coupon (or merchant credit point) and the credit card transaction authorization This is a flow chart that briefly illustrates the process of creating and sending an entire request for approval.

The authentication server 105 including the credit card number of the client and the discount coupon (or merchant reserve point) information held by the client is constructed in association with the payment processing relay server 115 on the communication network (200). When a user wants to make a payment for a product purchase or a service use, the payment terminal 100 that executes the payment processing requests a payment request for a product purchase or service use from the client. Payment information including payment information) (205).

The payment means including the credit card information is basically a credit card in the form of MS (Magnetic Stripe), and includes a smart card (IC card) including credit card number information and a wireless terminal including credit card number information. Various embodiments using the payment means will be described in more detail below.

If the payment terminal 100 can obtain the credit card number information through the payment means presented by the client (210), the payment terminal 100 grasps the credit card number information of the client, and the payment terminal (100) By sending to the authentication server 105 along with the information or merchant information, the client requests discount coupon (or merchant earning point) information that can be applied to the purchase of goods or service use in the merchant (215) .

The authentication server 105 receives the client's credit card number information and payment terminal 100 information (merchant information) from the payment terminal 100 (220), and receives the received client credit card number information from the authentication server. Matching the credit card number information of the client stored in the discount coupon (or affiliated point earned point) information database 110 in 105, the discount coupon (or merchant earned point) information held by the client is checked. Through the payment terminal 100 information (merchant information) received, it is checked whether it is a discount coupon (or merchant credit point) that can be used in the payment terminal 100 of the merchant (225).

If there is no discount coupon (or merchant earning point) that the client can use at the merchant through the verification process (230), there is no discount coupon (or merchant earning point) that can be used. In step 235, the payment processing for the purchase of the product or the use of the service is performed according to a general credit card approval process (240).

However, if there is a discount coupon (or merchant earning point) that the client can use to purchase a product or use the service at the merchant (245), the authentication server 105 is a discount coupon (or merchant) that the client can use at the merchant. Earning points) information is extracted and provided to the payment terminal 100 (250).

The payment terminal 100 receives the discount coupon (or merchant earning point) information that the client can use in the affiliate store from the authentication server 105, and according to the discount coupon (or merchant earning point) information provided for the discount. The user may determine whether to use a coupon (or merchant reserve point) (255).

For example, the determination of the use of the discount coupon (or the merchant reserve point) may be provided to the client through an output device such as a monitor of the payment terminal 100 so that the client may directly select the payment terminal 100. The operating staff or the like may select the output discount coupon (or affiliated store reserve point) information according to a client's request.

If a discount coupon (or merchant earning point) is to be used (260), the payment terminal 100 is a mixture containing the client's credit card information and the discount coupon (or merchant earning point) information to be used (selected). The full text of the authorization request is generated (265), and the mixed authorization request text generated by the payment processing relay server 115 is transmitted to request approval of credit card transaction approval and discount coupon (or merchant credit point) use (270). ).

However, if a discount coupon (or merchant earning point) is not used (275), it is also handled according to the normal credit card transaction approval process (240).

3 is a simple flowchart of a process in which the present invention is implemented.

This figure shows a credit card transaction for a client's purchase of a product or use of a service through a mixed authorization request message that includes the client's credit card transaction approval and discount coupon (or merchant earning point) approval request details through the process of FIG. This is a simple flow chart of the process of executing the approval and discount coupon use approval request and receiving the approval response.

When the mixed authorization request message including the authorization details for the client credit card transaction and the discount coupon (or the merchant's reserve point) is transmitted through the payment terminal 100 (300), the authentication server 105 is a payment processing relay server ( Receive a discount coupon (or merchant point earned) approval request included in the mixed approval request full text through 115, and the credit card provider 120 passes the payment processing relay server 115 to the mixed approval request full text. A typical credit card transaction authorization request is received (305).

The authentication server 105 performs the processing for the discount coupon approval request and updates the discount coupon (or merchant earning point) information database 110 for the discount coupon (or merchant earning point) approval process (310). ). In this case, a new discount coupon (or affiliated store reserve point) is given to the client.

The payment processing relay server 115 confirms the approval of the credit card transaction and the discount coupon (or merchant credit point) from the authentication server 105 and the credit card provider 120 (315). If not (320), the payment terminal 100 will receive a complete disapproval response message (325).

If it is approved (330), the payment terminal 100 the credit card transaction approval history and the discount coupon (or merchant earning point) authorization details for use and the discount coupon (or merchant earning point) information newly granted to the client Receive a mixed approval response message containing a full (335), the payment terminal 100 is a discount coupon (or merchant earning points) approval details and newly granted discount on the credit card transaction receipt for the purchase or use of services of the client The coupon (or merchant establishment point) information is included and provided to the client (340).

The transaction receipt may further include discount coupon (or merchant earning point) information held by the client along with a discount coupon (or merchant earning point) approval details.

4 is a simple flowchart of a process implemented in the present invention.

FIG. 10 is a simple flowchart illustrating a case in which a transaction cancellation occurs when a client receives a response to the credit card transaction and the use of the discount coupon (or the merchant reserve point) in purchasing a product or using a service.

After completing the approval response for the credit card transaction and the use of the corresponding discount coupon (or merchant earning point), the payment terminal 100 confirms the discount coupon (or merchant earning point) approval on the credit transaction receipt and the discount coupon newly granted to the client. In providing the client with information (or merchant credit points) (400), if a transaction cancellation for the credit card transaction occurs (405), the payment terminal 100 approves the client credit card transaction and discount coupon (Or Merchant Earning Point) Create a mixed cancellation request message for the cancellation of the authorization to request the transaction cancellation (410).

The authentication server 105 receives the transaction cancellation request from the payment terminal 100 via the payment processing relay server 115 (415), and uses the discount coupon (or merchant reserve point) included in the transaction details. To cancel the approval, and to update the discount coupon (or merchant earning point) information database 110 according to the discount coupon (or merchant earning point) approval cancellation processing (420).

When the discount coupon (or merchant earning point) authorization cancellation and credit card transaction authorization processing is processed, the payment terminal 100 receives the full text of canceling the credit transaction and canceling the use of the discount coupon (or merchant earning point). (425).

5 is an exemplary view of full text of an authorization request for credit card transaction and discount coupon use according to the present invention.

This figure relates to the authorization request data for the credit card transaction authorization and the use of the discount coupon for the purchase of goods or services of the client in accordance with the present invention, showing the items and contents of the mixed authorization request full text Doing.

Items 1 to 13 shown in the figure is for the item constituting the full text of the authorization request in accordance with the general credit card transaction, items 14 and below are for the coupon approval full text contained in the mixed approval request.

According to the present invention, when the client provides credit card information to the payment terminal 100 of the merchant, Terminal_ID and Track II Data (including credit card number information) are transmitted to the authentication server 105, and the authentication server 105 ) Extracts the discount coupon possessed by the client using Track II Data including credit card number information, checks the discount coupon available at the affiliate store through the Terminal_ID, and sends it to the payment terminal 100. Give the client an appropriate discount coupon.

Therefore, according to the present invention, the entire credit card transaction approval request full text (item 1 to item 13) includes a full coupon approval request full text (item 14 ~), and thus a mixed approval request full text is configured, and an item for the composition of the mixed approval request full text. They are as follows. Transaction Classification, Terminal_ID, POS Entry Mode, Track II Data, Installment Month, Total Amount, Service Charge, Working Key Index, Password, Product Code, Document Serial Number, CRM Data, Discount Coupon Number, Discount Coupon Number, Discount Coupon Amount, Discount coupons are valid.

Among the above items, the discount coupon number, the discount coupon amount, and the discount coupon expiration date can be repeatedly displayed by the number of discount coupons.

As shown in the figure, by using the credit card number of the client, credit card transaction and coupon approval to configure and process as a single mixed message, additional addition to the existing network (VAN network, etc.) use burden The burden is eliminated, it is possible to implement the present invention without replacing the existing credit card system and CAT terminal.

6 is an exemplary view of full text of an approval response for credit card transaction and discount coupon use according to the present invention.

This figure relates to the authorization response data for the credit card transaction authorization and the use of the discount coupon for the purchase of goods or services of the client according to the present invention, showing the items and contents for the mixed authorization response preamble Doing.

According to the present invention, the items for the composition of the mixed approval response message are basically as follows. Transaction Classification, Terminal_ID, Status, Message1, Message2, Message3, ..., Authorization Number, Buyer ID, Card Company (Bank) Type Name, Issuer ID, Document Serial Number, Merchant Number, Document Purchaser, Notice, HELP DESK PHONE No , PIN DATA, Control_Flag, number of download discount coupons, discount coupon information, and the like.

Among the above items, the discount coupon information may be repeatedly displayed as many as the number of download discount coupons.

In the embodiments described below, the application to the present invention is determined to be appropriate, and the payment terminal (or affiliated point) in the approval process of the discount coupon (or merchant credit points) through the client credit card number according to the present invention, 100) provides an example of various payment means for providing the credit card number information of the client, to enhance the understanding of the present invention, and further to provide the usefulness of the present invention.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

Figure 7 is a simplified illustration of the present invention.

In the drawing, when a client uses a credit card in the form of a magnetic stripe (MS) as a payment means, according to the present invention, the payment terminal 100 checks the credit card number information recorded on the MS card 700, It is a simple illustrative embodiment in which the invention is implemented.

According to the present invention, the figure is constructed in connection with the payment processing relay server 115 on the communication network authentication server 105 containing the client's credit card number and discount coupons (such as merchant reserve points) that is held In this case, the client attempts to make a payment for a product purchase or a service use through a credit card in the form of a magnetic stripe (MS).

The payment terminal 100 obtains the credit card information (credit card number and credit card payment information) from the credit card of the MS (Magnetic Stripe) type of the client, and the client credit card number information and payment terminal with the authentication server 105 (100) Provide information (merchant information).

The authentication server 105 may be used by the payment terminal 100 affiliated with the client, which is stored in the discount coupon (or affiliated point) information database 110 through the client credit card number information and the terminal information (the merchant information). Check the information, such as discount coupons (or merchant points earned) that is, and provide the appropriate discount coupon (or merchant points earned) information confirmed to the payment terminal (100).

In addition, the payment terminal 100 is provided with a discount coupon (or merchant earning point) information that can be used by the client from the authentication server 105, the credit card information of the client and the discount coupon (or selected) to be used (or selected) Create a mixed approval request message containing the Merchant Earning Point) information to request credit card transaction approval and discount coupon use approval.

The authentication server 105 receives a discount coupon (or merchant earning point) approval request included in the mixed approval request full text via the payment processing relay server 115, and receives the discount coupon (or merchant earning point) approval request. To update the discount coupon (or merchant earning point) information database 110 for the discount coupon (or merchant earning point) approval process, and the payment terminal 100 transmits the payment processing relay server 115. From the credit card transaction approval and discount coupon (or merchant earning point) authorization details and the new discount coupon (or merchant earning point) information including the newly granted discount coupon (or merchant earning point) information received in the form of a mixed message.

Figure 8 is a simplified illustration of the present invention.

In the figure, when a client uses a smart card (or IC card) 800 including credit card number information as a payment means, according to the present invention, the payment terminal 100 is connected to the smart card (or IC card) ( By confirming the credit card number information recorded in (800), it is a simple example of implementation of the present invention.

The smart card (or IC card) 800 described through this figure basically has a credit card function, and the payment terminal 100 uses a smart card (or IC card) 800 to perform a credit card transaction. And a smart card (or IC card) interface capable of recognizing the smart card (or IC card) 800 for assisting discount coupon (merchant establishment point) approval processing, thereby enabling appropriate application to the present invention.

The payment terminal 100 receives credit card information (credit card number and credit card payment information) from the smart card (or IC card) 800 through the smart card (or IC card) interface.

The authentication server 105 obtains client credit card number information and payment terminal 100 information (merchant information) from the payment terminal 100, and with reference to the client credit card number information and terminal information (merchant information), The client extracts an appropriate discount coupon (or affiliated store reserve point) that can be used in the payment terminal 100 and provides the payment terminal 100 to the payment terminal 100.

In addition, the payment terminal 100 receives the discount coupon (or merchant earning point) information that the client can use in the affiliated store from the authentication server 105, credit card transaction approval and discount coupon (or merchant earning point) use Create a full text requesting approval and make an approval request.

The authentication server 105 obtains the discount coupon (or affiliated point) approval request included in the mixed approval request message from the payment terminal 100 via the payment processing relay server 115, and the discount coupon (or affiliated store). Earn points) process the approval request to proceed to update the discount coupon information database 110 for the discount coupon (or merchant earning points) approval processing. When the credit card transaction approval and the discount coupon (or merchant earning point) approval processing are performed, the payment terminal 100 receives the approval details from the payment processing relay server 115 and the discount coupon (or merchant earning point newly given to the client). Receive the full text of the approval response containing the information.

9 is a simple illustrative view of the present invention.

FIG. 4 illustrates that when a client uses a wireless terminal 900 including credit card number information as a payment means, the payment terminal 100 checks the credit card number information recorded in the wireless terminal 900 according to the present invention. Thus, a simple exemplary embodiment in which the present invention is implemented.

The wireless terminal 900 may be implemented in a wireless terminal 900 such as a subscriber identity module (SIM), a universal identification module (UIM), a universal subscriber identity module (USIM), or the like for implementing a financial payment function including credit card information. It is used in the present invention in conjunction with an IC chip (including credit card information) that can be mounted or removable, and in addition, credit card information can be mounted in a specific memory in the wireless terminal 900.

In addition, according to the present invention, the wireless terminal 900 uses near field wireless data communication as an interface means for providing credit card information (including number information) to the payment terminal 100. The short range wireless data communication includes both infrared data communication such as IrFM, Radio Frequency (RF) data communication, and Bluetooth data communication.

In addition, in this drawing, the payment terminal 100 is an infrared data communication, RF, such as IrFM matching with the wireless terminal 900, in order to obtain credit card information from the wireless terminal 900 using short-range wireless data communication. (Radio Frequency) Data communication and Bluetooth (Bluetooth) data communication and the like interface is provided.

According to the present invention, the wireless terminal 900 transmits the credit card information (credit card number and credit card payment information) of the client to the payment terminal 100 through the short-range wireless data communication, the payment terminal 100 Transmits the credit card information (credit card number and credit card payment information) and payment terminal 100 information (merchant information) of the received client to the authentication server 105, and the authentication server 105 corresponds to the client. Extract and provide discount coupon (or merchant earning points) information that can be used at merchants.

When the discount coupon (or merchant earning point) information available to the merchant is extracted and provided to the payment terminal 100, the payment terminal 100 receives a credit card transaction approval request and a discount coupon (or merchant earning point). Use request approval is made into a specialized structure to request approval at the same time.

The authentication server 105 receives the mixed approval request text from the payment terminal 100 via the payment processing relay server 115, and performs a discount coupon (or affiliated store earning point) approval process, and the discount coupon (or When the merchant credit point approval and the credit card transaction approval are completed, the payment terminal 100 receives the full approval response from the payment processing relay server 115.

10 is a simple illustrative view of the present invention.

In the drawing, when a client attempts to purchase a product through an internet shopping mall, the Internet payment agency (PG) is selected by selecting a credit card payment as an internet purchase payment method and inputting credit card number information of the client. By confirming the credit card number information that is delivered to, a simple embodiment of the present invention is implemented.

As described above, if only the credit card number information of the client is obtained on the Internet, in the credit card transaction approval process, the credit card number information of the client included in the authentication server 105 and the discount coupon that is held ( Or by checking the merchant reserve point information, extracting discount coupon (or merchant reserve point) information that can be used in the Internet shopping mall, and providing the information on the client's Internet terminal 1000, thereby allowing the client to obtain a discount coupon ( Or Merchant Points).

As in the above-described embodiment, in the transmission and reception of a credit card transaction approval request or response message, a message including a discount coupon (or merchant earning point) approval request or response details is configured and transmitted, thereby making it possible to use a communication network. The effect of reducing the burden can be expected.

Figure 11 is a simplified illustration of the present invention.

This figure is a simple example of implementation of the present invention by providing credit card number information over the telephone when a client selects a product to purchase through home shopping or the like and makes a purchase.

When a client watching TV home shopping selects a product to purchase, in general, home shopping provides a user's credit card information using a telephone network (PSTN) to purchase the product.

The payment terminal 100 included in the home shopping or the home shopping that acquires the credit card information of the product purchase client through the telephone network performs a credit card transaction for the product purchase. 105 receives the client credit card number information and the home shopping payment terminal 100 information (home shopping information) from the payment terminal 100, the discount coupon (or affiliated store points) that the client can use in the home shopping Information will be extracted.

The discount coupon (or merchant earning point) is possible through the confirmation of the client credit card number information, the extracted discount coupon (or merchant earning point) information is transmitted to the payment terminal 100 (home shopping), this embodiment In the case of the example, since the client is connected to home shopping through a telephone network, the home shopping (server) may provide the extracted discount coupon information through the telephone network.

When the client selects a discount coupon (or merchant earning point) to use, the payment terminal 100 (home shopping) configures a single message for the credit card transaction approval request and the discount coupon (or merchant earning point) approval request. An authorization request can be made to implement the present invention as appropriate.

According to the present invention, an authentication server for performing discount coupon (or merchant earning point) processing function by matching client credit card number information and discount coupon (or merchant earning point) information is established in connection with a payment processing relay server on a communication network. And providing the terminal information (the merchant information) and the client credit card number information to the authentication server from the payment terminal that acquired the client's credit card number information, and the authentication server provides the terminal information (the merchant information) and the client credit card number information. Accordingly, the client extracts the appropriate discount coupon (or merchant earning point) information available to the merchant and provides the payment terminal, and the client credit card transaction approval request and discount coupon (or merchant earning point) approval request from the payment terminal. Full text of mixed approval request containing information After confirming and sending to the payment processing relay server, the discount coupon (or merchant earning point) approval request information included in the mixed approval request message is confirmed in the authentication server associated with the payment processing relay server. The authorization process is performed and a new discount coupon (or merchant earning point) is granted to the client, the credit card transaction approval and discount coupon (or merchant earning point) approval response and the newly granted discount coupon (or merchant earning point) are granted. By having the payment terminal receive a mixed authorization response with information,

As a first effect, by additionally combining the entire process for credit card transaction approval and discount coupon (or merchant earning point) approval processing, the additional burden of the network cost for the use of discount coupon (or merchant earning point), etc. There is no advantage to this.

Secondly, by using the same transaction authorization number as a credit card transaction, there is an advantage in that batch processing through the transaction authorization number is possible when a cancellation transaction occurs.

Third, there is an advantage that can be directly used without replacing the payment terminal, such as credit card system and CAT terminal that is widely used and can reduce the cost of system construction and terminal replacement.

Fourth, there is an advantage that the integrated management of various royalty information, such as discount coupons, merchant points, electronic money using credit card number information is also possible.

Claims (3)

delete delete Storing, by a server, client payment means information and discount coupon (or earning point) information given to the client in a predetermined storage medium; Receiving information including client payment means information from a payment terminal or a payment processing relay server connected to the payment terminal through the communication network at the server; Extracting discount coupon (or earning point) information stored in the storage medium in association with the client payment means information in connection with the storage medium (or storage medium operating means) at a server; Transmitting the extracted discount coupon (or earning point) information from the server to the payment terminal or the payment processing relay server; When the payment terminal outputs the discount coupon (or earning point) information, and the client selects the discount coupon (or earning point) to use for payment processing by referring to the discount coupon (or earning point) information outputted, the payment is made. Generating, by the terminal, a mixed approval request full text including customer payment means information and coupon (or earning point) information selected by the customer; After extracting the client payment method information and coupon (or earning point) information from the mixed approval request message generated by the payment terminal in the server, respectively, the payment approval request is made to the financial company corresponding to the client payment method and the coupon (or the earning point). Requesting permission to use the coupon (or earning points) as a service provider who issues or manages the service; Receiving a response message corresponding to a payment approval request from the financial company at a server, and receiving a response message corresponding to a request for approval to use a coupon (or earning point) from a company that issues or manages the coupon (or earning point); And And transmitting a response message received from a service provider that issues or manages the financial company and the coupon (or the earning point) to the payment terminal at the server. 2.

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