KR100982024B1 - Franchise loyalty managegment system - Google Patents

Abstract

In the merchant loyalty management system according to an embodiment of the present invention, when the card payment terminal of the merchant reads the information of the card customer recorded on the credit card with the IC chip and sends the payment approval message, the information and payment of the card customer. In addition to receiving the approval message and in parallel with payment approval, the merchant loyalty campaign based on the information of the card customer is stored in the IC chip credit card through the card payment terminal of the merchant and displayed on the receipt. Customer rewards can be obtained without the inconvenience of having a unique marketing certificate, such as coupons and cards, and merchants can use the financial infrastructure of existing financial institutions to promote their merchants without having to build a separate CRM or marketing infrastructure. Because it can be, the loyalty of the merchant can be increased.

Merchant loyalty management system, Merchant campaign tool processing, Credit card, IC chip, Receipt

Description

Merchant loyalty management system {FRANCHISE LOYALTY MANAGEGMENT SYSTEM}

The present invention relates to a merchant loyalty management system. The present invention provides a campaign theme, system, and method for executing a merchant's own loyalty campaign based on the customer's RFM information (most recent order, frequency, order) using IC chip credit card. It is related to a merchant loyalty management system that can increase infrastructure of merchants and customers at the same time through customer relationship management utilizing merchants by supporting infrastructure and supporting the results and analysis of merchant loyalty campaigns.

In recent years, competition among franchisees has been intensifying despite size and industry.

Competitiveness among merchants is very different depending on the marketing / management ability of merchants. Enterprise / corporate merchants can develop their own CRM system to possess campaign capability, but small and medium sized / living-type merchants have infrastructure to build their own CRM system. Poor in terms of cost.

Since the actual effect is very large depending on the marketing / customer management activities of the merchants, the merchants themselves carry out discounts or giveaways that can directly affect customer visits and sales, but due to the high cost and infrastructure limitations The focus is on one-time / one-time programs.

In addition, in order to avoid such a one-time / one-time program, coupons and customer mileage cards are used, but promotion costs including coupon issuance costs are excessive, and points are not easily accumulated and managed through customer mileage cards. , Promotions and promotions are difficult to measure.

In recent years, in order to reduce the difficulty of such affiliated stores, card companies have been conducting affiliated affiliate marketing to jointly promote affiliated affiliates using the affiliated affiliate network and manage the use of integrated points / miles jointly.

However, the affiliate marketing of affiliates is based on the emotional differentiation factors of the end-members, the market structure surrounding the affiliates, the business objectives of the affiliates, the level of their own marketing capabilities, the characteristics and industry of the customers, and the marketing ripple effects. Since it is not considered and is uniform, it is difficult to provide differentiated offers compared to competitors despite the continued high cost burden.

In addition, such affiliated affiliate marketing, there is a need for intensive promotion during the life cycle of the merchant, for example, start-up, there is a need to acquire new customers, increase sales, regular management, target marketing, etc. Although there is a need for reattracting and rebounding away customers, the active marketing of the merchant itself could not be provided.

In addition, such affiliated affiliate marketing, active marketing of the merchant itself in consideration of the characteristics of the region could not be provided.

In addition, since the number of merchants operating 24 hours has increased recently, there is a need for providing a 24-hour merchant campaign, but it is difficult to provide a 24-hour campaign because EOD, batch work, etc. must be performed on the day.

Therefore, the present invention was created to solve the above problems, the object of the present invention is It is to provide a merchant loyalty management system that enables small and medium-sized / sustainable merchants, which had to do one-time / one-shot marketing due to the weak infrastructure, to continue customer management based on customer experience without establishing a separate system.

In addition, an object of the present invention can reduce the number of coupons or customer mileage cards issued for each merchant, easy to earn and manage the points of the merchant, can easily measure the use of regular customer information, promotions and promotions It is to provide merchant loyalty management system.

In addition, the object of the present invention is that customers can be provided with a campaign offer offer on-site 24 hours, merchants to provide active marketing in accordance with the needs of the merchant itself in consideration of the life cycle, circumstances surrounding the merchant, local characteristics, etc. It is to provide a merchant loyalty management system.

Merchant loyalty management system according to an embodiment of the present invention for achieving this object receives the merchant campaign information through a web page that can enter its own merchant campaign information transmitted through the financial network communication network, When the payment is made through the merchant card payment terminal with an IC chip credit card, the campaign message is transmitted in parallel with the payment approval message, and the payment approval information and the merchant at the predetermined location of the receipt through the printer connected to the card payment terminal and the card payment terminal by wired or wireless. In order to display a campaign message, a financial processing system, a website provided by the financial processing system, and an affiliated store management database are connected through an internal communication network, and the affiliated store inquiry and new loyalty affiliated stores stored in the affiliated store management database (merchant CRM). Mo Merchants application modules to manage / liaison contact with history; A loyalty merchant registration module configured to register a merchant electronically by examining a subscription condition and signing a merchant contract when an affiliated store subscription application is received through the affiliated store application unit; A loyalty campaign management module for receiving, reviewing and registering the affiliate store's unique campaign information, processing campaign cancellation / cancellation, monitoring campaign status, and analyzing campaign performance; A loyalty merchant support management module for post-management of LMS unprocessed transactions, merchant promotion support, merchant promotion support, merchant loyalty card issuance support, automatic processing of loyalty campaign rule inventory, and campaign inventory improvement tasks; And a royalty merchant cancellation module performing the merchant cancellation processing task.

As described above, according to the merchant loyalty management system using the IC chip credit card according to the present invention, the merchant can execute the merchant loyalty campaign based on the RFM information of the customer without establishing a separate system, and can execute various campaign themes, systems and infrastructures. Support and access to merchant loyalty campaign results and analysis.

In addition, according to an affiliated store loyalty management system according to an embodiment of the present invention, the affiliated stores autonomously diversify their own marketing campaign in consideration of the campaign situation, campaign success, campaign attractiveness of other competitors, such as neighboring competitors, etc. Can be designed.

In addition, according to the merchant loyalty management system according to an embodiment of the present invention, customers can be provided with a campaign offer offer on-site 24 hours, the merchant through a systematic customer analysis in consideration of the life cycle, regional characteristics, surroundings, etc. Marketing effectiveness can be enhanced, and financial institutions or card customers can be attracted to the affiliated stores through campaign support, promotion, and marketing support through websites, emails, and other financial infrastructure provided by card companies or financial institutions.

In addition, according to the merchant loyalty management system according to an embodiment of the present invention, the inconvenience of having to hold a plurality of cards due to the loyalty function for a plurality of merchants with one card from the customer's point of view, past purchase results Personalized loyalty service benefits based on RFM, customer events and more.

In addition, according to an affiliated store loyalty management system according to an embodiment of the present invention, a financial institution or a card company may enjoy an increase in card sales through an affiliated store loyalty and an increase in affiliated store royalty, and easy management of affiliated stores and access to an affiliated store. Or less.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings in order to describe the present invention in detail so that those skilled in the art can easily carry out the present invention. In addition, in describing the present invention, the same parts will be denoted by the same reference numerals, and repeated description thereof will be omitted.

First, referring to Figures 1 to 4c will be described in detail the overall configuration of the merchant loyalty management system according to an embodiment of the present invention.

In the present specification, 'loyalty campaign' is based on a customer's past purchase history and purchase pattern, and is used to reward customers in various ways by using a merchant, and includes a promotion, an event, a discount, and the like. 'Is configured to provide a predetermined offer by the executing entity when the execution condition for executing the loyalty campaign is satisfied.

The execution conditions will be described in detail later, but may include general campaigns and RFM campaigns, the offer offers may include discounts, coupons, royal teen points, gifts, etc., the execution agent is the type of campaign execution affiliate Depending on whether the affiliates run alone, multiple affiliates jointly marketing the same brand / chain, national, regional, regional-based affiliated stores, and the like.

1 is a schematic block diagram for explaining the overall configuration of the merchant loyalty management system according to an embodiment of the present invention, Figure 2 includes merchant campaign information received from the merchant loyalty management system according to an embodiment of the present invention Figure 3 is a schematic plan view for explaining the receipt by printer type, Figure 3 is an exemplary view showing the campaign status monitoring screen of the website connected to the merchant loyalty management system according to an embodiment of the present invention, Figures 4a to 4c each of the present invention Exemplary embodiments of a campaign performance analysis information management screen of a website connected to a merchant loyalty management system according to an embodiment.

1 to 4C, the merchant loyalty management system 100 using the IC chip credit card 10 according to an embodiment of the present invention may display unique affiliate store campaign information transmitted through the network communication network 200. Receive the merchant campaign related information through a loyalty program or a web page that can be input, and when the customer pays through the merchant card payment terminal 20 with the IC chip credit card 10, the campaign processing message is sent in parallel with the payment approval message. According to the type of the payment terminal 20 and the printer 30 connected to the card payment terminal 20 wired or wirelessly, as shown in Figure 2, the payment approval information and merchant campaign processing message at a predetermined position of the receipt It is configured to be displayed.

The royalty management system 100 is connected to the financial processing system 300, the website 400 provided by the financial processing system 300 and the affiliated store management database 101 through an internal communication network, and the affiliated store management database. The affiliated store application is received through the affiliated store application module 110 and the affiliated store application module 110 that manages the history of contact to inquire about the affiliated stores stored in the affiliated store CRM 101 and recruit / list new loyalty merchants. When the subscription conditions are reviewed and a merchant contract is concluded, the loyalty merchant registration module 120 for registering the merchant computerly and the merchant's unique campaign information is received, reviewed and registered, campaign suspension / cancellation processing, campaign status monitoring, and campaign. Loyalty campaign management module 130 to perform the performance analysis processing, and post-management of the LMS unprocessed transactions, affiliated store promotion support, affiliated store Includes merchant loyalty termination module 150 to perform our design support, loyalty cards issued by merchants support, loyalty and support to merchant processing business to improve inventory campaign management module 140, and merchant processing services terminated.

The affiliated store application module 110 may receive a royalty merchant subscription application through a royalty program downloaded through the website 400. For example, through the subscription application information input screen provided by the website 400, business information such as a business registration number, affiliated store name, business address information, and the registration details such as the resident number, telephone number, address information of the representative, etc. When the loyalty subscription application details are inputted through the subscription application contents, the date, and the signature, the processing system 102 of the loyalty management system 100 is connected to the merchant customer management (CRM) database 101 connected to the loyalty management system 100. ), And the financial processing system 300 is also configured to interwork through the CRM (301).

The affiliated store application module 110 allows the subscription application reception details to be viewed through the website 400 screen.

The loyalty merchant registration module 120, the merchant information stored in the merchant CRM database 101, contact information such as the name, business support headquarters, the registrant, the latest visit, the scheduled date of visit, the total number of visits, the purpose of visit, the merchant signing intent, details Inquiry, and review the infrastructure conditions for the execution of the royalty service, etc., stored in the merchant CRM database 101 through the internal processing system 102, through the website 400, waiting for audit, completion of the audit, Indicates the status of rejection of approval.

The loyalty merchant registration module 120 receives the affiliated homepage contents from the royalty merchant user terminal 40 (the user terminal is a PC capable of Internet, etc., which may be integrated with the card payment terminal 20). Supports the creation of merchant homepages and updates to the website 400 and call center 302.

The loyalty campaign management module 130 further includes a campaign application reception unit 131, a campaign review registration unit 132, a campaign suspension cancellation unit 133, a campaign status monitoring unit 134, and a campaign result analysis unit 135. do.

These will be described in more detail later.

The Loyalty Merchant Support Management Module 140 supports the education, promotion, promotion of Loyalty Merchants by using VAN companies and affiliated organizations, and issues Loyalty Applet Cards to customers. Through the website 400, the call center 302, and the portable user terminal 40, a public relations support, a loyalty campaign, an inventory development improvement, etc. are performed through an invoice.

The affiliated store release module 150 receives a termination request of the royalty affiliated store and performs registration of the affiliated store termination in the affiliated store CRM database 102 through the processing system 102.

The campaign application reception unit 131 of the loyalty campaign management module 130 downloads a loyalty program provided by the financial processing system 300 from the terminal user's terminal 40 or provides a campaign provided through the website 400. The campaign application is accepted through the program.

The campaign application reception unit 131 selects and writes a campaign name, campaign description, execution period, and service target customer for campaign execution condition registration through the campaign preparation program (step 1), and 1 for campaign offer offer registration. Register the merchant loyalty service details to be provided to the target customers specified in the step, and register the campaign rules composed of the target customer and the provided services under one campaign order, and print the message to be printed on the campaign receipt. Allows registration by type.

The campaign review registration unit 132 of the loyalty campaign management module 130 inquires the campaign application list to search for, review and register the business name, application date, applicant, campaign type, campaign title, campaign period, offer offer, and the like. The cancellation unit 133 processes the campaign suspension / cancellation application that the merchant owner applied.

Such registered campaigns and suspended / cancelled campaigns may be viewed on the website 400.

The campaign application receiving unit 131 is whether the generic campaign and RFM campaign based on the condition type of the base rule, and the target merchant type conditions, whether the sole merchant campaign merchant or merchant joint campaign, and immediately discounts, points, coupons, gifts For example, we derive a total of 132 campaign lists based on the combination of campaign types and offers, including the five other campaign offer types and the application criteria for campaign execution conditions such as duplicate discount rules and merchant point application. In addition, we can automatically filter campaign eligibility to derive a list of 98 excluded campaigns that are partially excluded, and recommend step-by-step execution based on the attractiveness of the campaign contents and the ease of IT development among 98 feasible campaigns. .

The RFM campaign rule is based on four data attributes, for example, cumulative total RFM data during the campaign period, daily RFM data during the campaign period, cumulative total RFM data after the subscription point, and daily RFM data before and after the subscription. There are operational advantages and disadvantages due to the different size of the archive data. Instead of managing all the RFM data of all affiliates, only the cumulative purchase data is collected only during the campaign period of a specific affiliate. It is desirable to consider cumulative total RFM data during the campaign period and daily RFM data during the campaign period.

The campaign status monitoring unit 134 inquires and monitors the performance of the running or ended campaigns under various conditions and reports specifics through the financial system 300.

Campaign list and detailed content search conditions (campaign type, title, period, status, jurisdiction sales support headquarters, target) using the merchant CRM database 101 of the merchant royalty management system 100 connected to the financial system 300 The campaign list and status monitoring screen of FIG. 3 are provided on the website 400 in response to the number of customers, the number of target transactions), the campaign result analysis cycle, and the placement rule (daily / weekly / quarterly setting).

The campaign performance analysis information (MIS) management unit 135 analyzes the performance of the completed campaign under various conditions and provides periodic reports and feedback data for merchants.

The various campaign performance analysis information (MIS) topics may include the sales support headquarters, type, execution period, type of industry, and offer type of a financial institution, and campaign performance analysis information, for example, the number of campaign executions, transactions, and transactions. Report and report on Loyalty Merchant campaign performance can be provided in terms of number of customers, transaction amount, discounts on site, gifts, coupons, points and scores. Can be used to.

The merchant performance analysis report can be automatically sent through the merchant customer terminal 40 or a mobile communication terminal, other portable terminal.

The communication network connecting the affiliated user terminal 40, for example, a personal computer, a laptop, and the like, to the affiliated store royalty management system 100 has data communication related to a royalty merchant application, a royalty campaign application, registration, inquiry, analysis, and the like. This is done in real time over time (more on that later).

On the other hand, when the payment terminal completes the payment approval message generated by the card terminal 20 and confirms whether or not the affiliate is a royalty affiliate, it is received at the same time as the payment approval, and performs a high-bandwidth connection of the network when performing an inquiry transaction Through the VAN (value-added communication network) that can share the visible feeling of the community through, through the card payment terminal 20 to prevent the merchant approval processing delay due to the processing of the customer's inquiry transaction request It prevents the occurrence of problems in data transmission by eliminating traffic when transmitting the full text of the campaign.

The affiliated store loyalty management system 100 is configured to interwork with the approval system 310 of Tandem (TANDEM) model that can be driven for 24 hours.

Therefore, when a transaction approval request is received from the merchant terminal 20 to the approval system 310 through the VAN company, the approval system 310 serializes the transaction approval request data to the approval system 310. The campaign rule processing request is transmitted to the affiliated store loyalty management system 100 connected to the network, and the response waiting time is set to the maximum allowable time (2 seconds, which can be changed later) for approval priority processing, and the response is a predetermined time such as 3 If there is no second, the connection with the affiliated loyalty management system 100 is processed and the approval process is processed first so that a delay does not occur in the most important approval task. The treatment was made possible.

Now, a card reader connected to a merchant network loyalty management system 100 and a communication network according to an embodiment of the present invention to transmit and receive a payment approval message as well as to send and receive a merchant campaign message will be described in detail with reference to FIGS. 5A and 5B. would.

Figure 5a is a block diagram showing the internal configuration of the card payment terminal providing a merchant loyalty service according to an embodiment of the present invention, Figure 5b is a card payment terminal providing a merchant loyalty service according to an embodiment of the present invention This is a professional flow chart showing the campaign processing process between merchant loyalty management systems.

First, if the card payment terminal 20 providing the merchant loyalty service according to an embodiment of the present invention has a low specification, the campaign rule PGM memory in the terminal may be restricted, and the printer 3P environment may be used. The program download is delayed accordingly, and there is difficulty in executing the campaign rules. Therefore, the EMV standard terminal (CAT / POS) is used.

The EMV standard terminal meets the international IC chip card standard EMV and is equipped with an electronic signature device as a standard. It adopts roll paper that can print out the documents as desired and is easy to manage. It is desirable to be able to standardize the process and system management / maintenance.

Therefore, the card payment terminal 20 connected to the affiliated store loyalty management system according to an embodiment of the present invention can solve the problem of traffic generated when sending a rule PGM (about 700 KB) and a full text of a campaign. It does not affect the approval problem.

In addition, the card payment terminal 20 uses ADLS because a data transmission delay problem may occur when using the PSTN.

The printer 30 connected to the card payment terminal 20 may allow both 3P or free-form terminals, and allows the affiliated store to select the campaign message description type according to the printer type at the campaign application.

However, as described above, since the card payment terminal 20 is preferably an EMV terminal conforming to the IC chip international standard, it is preferable to use a free form printer 30.

 The card payment terminal 20 according to an embodiment of the present invention should develop separate campaign rules according to the type of the printer, and recognize the printer environment in order to download the campaign rules.

It is preferable that the management of the card payment terminal 20 is automatically processed by the terminal management (TMS) of the VAN company 400, thereby facilitating the management of campaign rules, and the rapid and collective distribution of the rule PGM and the distribution of campaign rules. The process can be simplified and can be quickly applied when changing campaign rules.

On the other hand, as described above, even if the card payment terminal 20 uses an ultra-high speed ADSL network, when the power supply of the card payment terminal 20 is interrupted during the EOD processing of the day, time is lost due to problems in the communication line. Since it may take a lot of time or unprocessed, when uploading or missing information of the card payment terminal 20 is configured to process the transaction (Transaction) verification based on the server information.

In this regard, the configuration of the card payment terminal 20 will be described in detail.

The card payment terminal 20 is connected to the VAN 400 through a communication network, and interface with the IC chip card 10 when the IC chip card is inserted to read RFM information stored in a predetermined storage area of the card. (21), the reward inquiry unit 22 for inquiring the RFM information of the customer, the approval request professional generation unit 23 for generating the transaction approval request text, and the approval and campaign messages from the merchant loyalty management system 100 Receiving approval and campaign message receiving unit 24, the rule processing change program update unit 25 for automatically updating the campaign rule processing change program, EOD for automatically uploading transactions on a server basis to solve the above EOD problem The updater 26, the approval and campaign message receiver 24, the rule processing change program updater 25, and the EOD updater 27 perform data processing without delay. A memory section 27 to provide a lock storage space, a display unit 28 for displaying the processed information.

 The card payment terminal 20 is a transmission interface 20a for interfacing to the communication network 400 of the VAN company, and a printer interface 20b for recognizing the printer environment to print campaign rules and payment approval details according to the type of printer. It includes.

The card payment terminal 20 further includes a key input unit 29, when a campaign is executed under a specific product purchase condition, for example, when the card payment terminal 20 does not automatically recognize a product code, Like other general campaigns or RFM campaigns, special key inputs are designed to print a message on the receipt to the customer that satisfies the campaign execution conditions.

According to this configuration, as shown in Figure 5b, through the communication network 400 provided by Van from the card payment terminal 20, the full approval request (1), RFM data (4) to the merchant loyalty management system (LMS) ), EOD upload data (5), reward inquiry request (6) is transmitted, the card payment terminal (20) through the communication network 400 provided by the Van for approval and campaign messages from the merchant loyalty management system (LMS) ) Receives the rule processing change program and updates the rule processing change program.

FIG. 6 is a schematic block diagram and a block diagram showing a storage area of an IC chip credit card for providing royalty campaign information through a merchant terminal connected to an affiliate store loyalty management system using an IC chip credit card according to an embodiment of the present invention.

Referring to FIG. 6, an affiliate store loyalty card 10 providing a merchant loyalty service is a central office that executes and operates an affiliate store campaign rule program command provided by an affiliate store loyalty management system 100 configured to interoperate with an approval system of a financial institution. The same operating system as the card payment terminal 20 connected to the processing unit 10a, the merchant loyalty management system and the communication network (COS) and language interpreter 10b, and various security codes 10c, etc. The flash memory area 11 in which the ROM is mounted, the RAM in which the affiliate campaign rule program driven through the central processing unit 10a is executed and maintained, and the affiliate loyalty application file are stored. 12) in a separate area.

The merchant loyalty card 10 according to an embodiment of the present invention includes a smart card applet, complies with the rules of the card payment terminal 20 according to the EMV standard, and accommodates various IC chip card technologies.

The merchant loyalty card 10 according to an embodiment of the present invention uses a standard of 32K or more, but is not limited thereto, and can be used for a royalty service in about 10K, and a royalty service related memory includes code and RFM data. And process royalty transactions.

The memory area 11 of the merchant loyalty card 10 includes a customer profile information area 11a, customer behavior (RFM) data 11b, corresponding transaction RFM data update area 11c, coupon information storage and processing area ( 11d).

The coupon information storage and processing area 11d is read by the card terminal 20 and loaded and updated on the IC chip of the merchant loyalty card 10 of the customer who satisfies the coupon providing condition at the time of the transaction.

It further has a plurality of point information storage and processing areas 11e.

In the customer profile information area 11a, a card number, a name gender, a birthday anniversary date, etc. may be described as static data.

As the customer behavior (RFM) data 11b, merchant RFM information (merchant number), recent transaction details are stored as transaction date, transaction time, and purchase amount, and merchant campaign RFM information (up to three) is included in campaign ID, cumulative number. The number of purchases is saved as a cumulative purchase amount.

The coupon information storage and processing area 11d may include electronic coupon information and a coupon ID obtained by a customer.

In the plurality of point information storage and processing areas 11e, loyalty campaign point information accumulated points acquired by a customer may be stored.

As such, dynamic data is stored in the customer behavior (RFM) data 11b, the transaction RFM data update area 11c, the coupon information storage and processing area 11d, and the plurality of point information storage and processing areas 11e. Code data and RFM data are constructed and processed according to campaign rules.

Now, with reference to Figures 7 to 8b, it will be described in detail with respect to the method and the method of providing a merchant campaign using the merchant loyalty management system according to an embodiment of the present invention.

7 is a flowchart illustrating a method for providing an affiliate store campaign using the affiliate store loyalty management system according to an embodiment of the present invention.

First, merchants apply for loyalty merchants, confirm the detailed options of the loyalty service, enter into a royalty merchant contract, install the loyalty program on the terminal, install the loyalty infrastructure by attaching loyalty merchant stickers, and apply for loyalty campaigns. I will explain in state.

When the merchant loyalty management system 100 receives the full approval request transmitted from the card payment terminal 20 through the VAN company 400 (S110), the campaign management unit 130 of the loyalty management system 100 receives the merchant. It is checked whether the campaign is registered through the unique code of the relevant merchant whether the campaign (S120).

If it is determined whether the campaign is registered through the unique code of the affiliate store by determining whether the affiliate campaign is present (S122), the campaign detailed definition data corresponding to the affiliate store is inquired, the merchant CRM database information is changed and updated, and the campaign requirement Check whether all of these are satisfied (S130).

The merchant CRM database information is changed and updated, and it is determined whether all campaign requirements are satisfied (S140).

The merchant CRM database information is changed and updated, and if all the campaign requirements are satisfied (S141), the desired promotion (event) contents of the merchant are automatically processed (S150), and the receipt is printed with the approval number (S160).

On the other hand, if all of the campaign requirements are not satisfied (S142) calculates the campaign requirement meeting requirements (S151), and prints it with the approval number on the receipt (S160).

As a result of inquiring whether the merchant has a campaign, if there is no campaign currently running by the merchant (S122), the approval number for transaction approval is numbered and transferred to the VAN company (S123), and approved by the merchant terminal from the VAN company. The number is transmitted (S124).

8A and 8B are flowcharts illustrating a process of deriving a merchant campaign using a merchant loyalty management system according to an embodiment of the present invention and a process of deriving a merchant campaign rule.

8A and 8B, a method for creating a merchant campaign using a merchant loyalty management system according to an embodiment of the present invention first downloads the campaign related program through a website, or logs in to the website and then the loyalty campaign A framework is derived (S10).

The loyalty campaign framework is configured to select execution conditions, providing offers, and execution subjects constituting the loyalty campaign.

The merchant loyalty campaign execution condition is classified into a generic campaign execution condition provided at a specific time or at a specific time regardless of a past purchase pattern, and RFM campaign execution condition based on a customer's past purchase pattern and performance.

The generic campaign execution condition is a campaign that rewards the customer when certain purchase conditions are satisfied regardless of the past purchase pattern of the customer. When purchasing a specific product, when a customer's life event (birthday, anniversary, SAT, Valentine's Day, trading event (first transaction, etc.), unique event for each merchant (opening date. Customer compensation).

In addition, the RFM campaign execution condition is a royalty-compensated campaign based on the customer's past purchase pattern and performance. For example, if the cumulative number of visits is a certain number of times during the period, and the cumulative purchase amount is a certain amount or more during the period, If the cumulative number of visits and cumulative purchase amount exceeds a certain condition, the customer is compensated.

The offer offer means a service provided according to a loyalty campaign, and may be a discount, a coupon, a loyalty point, a corresponding merchant point, a free gift, or the like.

In addition, the executing agent defines the type of campaign execution affiliated store, can execute the affiliated store alone, multiple affiliated stores can execute the same brand / chain store jointly, and can cooperative marketing between national units, regional units, and region-based affiliated stores.

In this way, execution conditions such as purchase amount, purchase of a specific product, first customer transaction, special offer day, cumulative number of visits, and cumulative purchase amount are linked to offer and offer of discounts, gifts, coupons, merchant points, etc. The detailed definition can then be derived.

That is, the campaign rule inventory pool is derived from the combination of the execution condition selection (S11), the offer offer selection (S12), and the execution subject selection (S13) at the same time (S20).

Next, the availability of the loyalty campaign rule is determined (S30).

The availability of the loyalty campaign rule determines the campaign suitability (S31), the campaign attractiveness (S32), and the ease of IT construction (S33) based on the conventional merchant RRM database.

Accordingly, when the loyalty campaign suitability, campaign attractiveness, and ease of IT construction are all satisfied, the final rule for operating target loyalty is selected (S40).

Once again, the final 50 rules selected by the Feasibility Evaluation Criteria from the Campaign Rule Inventory Pool will be grouped into six groups based on the same campaign execution conditions.

At this time, the whole offer offer combination according to the purchase price condition is valid from the viewpoint of campaign suitability and attractiveness. Among the offer offers according to the specific product purchase condition, the unusable offer such as coupon / point is judged to have low campaign attractiveness. (However, goods / service coupons can be recognized similarly to offering free gifts).

The overall offer for the first customer transaction within the campaign period is valid in terms of campaign suitability and attractiveness, and the total offer combination based on the cumulative purchase amount is valid in terms of campaign suitability and attractiveness. All are valid in terms of campaign suitability and attractiveness, and all offer offers based on merchant events are valid in terms of campaign suitability and attractiveness, and for campaigns with cumulative visits and cumulative purchases at the same time, Since the possibility of selecting a target is low, the campaign attractiveness can be taken into consideration. Therefore, the merchant owner can select a valid campaign rule.

The final rule thus selected can define the loyalty campaign details by defining execution conditions, offering offers, execution subjects, defining operational processes, deriving operational issues, and defining solutions (S50).

1 is a schematic block diagram for explaining the overall configuration of a merchant loyalty management system using an IC chip credit card according to an embodiment of the present invention.

2 is a schematic plan view illustrating a type of a receipt including affiliate store campaign information received from an affiliate store loyalty management system using an IC chip credit card according to an embodiment of the present invention.

3 is an exemplary view illustrating a campaign status monitoring screen of a user terminal that has downloaded a website connected to an affiliated store loyalty management system using an IC chip credit card according to an embodiment of the present invention.

4A is an exemplary view illustrating a campaign performance analysis information management screen of a user terminal that has downloaded a website connected to an affiliate store loyalty management system using an IC chip credit card according to an embodiment of the present invention.

4B is an exemplary view illustrating a campaign performance analysis information management screen of a user terminal that has downloaded a website connected to an affiliate store loyalty management system using an IC chip credit card according to an embodiment of the present invention.

4C is an exemplary view illustrating a campaign performance analysis information management screen of a user terminal that has downloaded a website connected to an affiliate store loyalty management system using an IC chip credit card according to an embodiment of the present invention.

Figure 5a is a block diagram showing the internal configuration of the merchant terminal connected to the merchant loyalty management system using the IC chip credit card according to an embodiment of the present invention, Figure 5b is an IC chip credit card according to an embodiment of the present invention A flowchart showing a processing process between the affiliated loyalty management system and the affiliated terminal.

6A and 6B are schematic block and block diagrams showing an internal configuration of an IC chip credit card providing loyalty campaign information through an affiliated store terminal connected to an affiliated store loyalty management system using an IC chip credit card according to an embodiment of the present invention. to be.

7 is a flowchart illustrating a method for providing an affiliate store campaign using the affiliate store loyalty management system according to an embodiment of the present invention.

8A and 8B are flowcharts illustrating a process of deriving a merchant campaign using a merchant loyalty management system according to an embodiment of the present invention and a process of deriving a merchant campaign rule.

Claims (10)

Receive the merchant campaign information through a web page that allows you to enter your own merchant campaign information transmitted through the financial network communication network, and in parallel with the payment authorization when the customer pays through the merchant card payment terminal with an IC chip credit card. It transmits a campaign message, and interlocks with the approval system of the financial processing system to display the payment approval information and the merchant campaign message at a predetermined position on the receipt through a card connected to the card payment terminal and the card payment terminal.  An affiliated store application module connected to a webpage transmitted through the financial network communication network and an affiliated store management database through an internal communication network, and searching for affiliated stores stored in the affiliated store management database, recruiting new loyalty merchants / listing contact history; A loyalty merchant registration module configured to register a merchant computerly by examining a subscription condition and signing a merchant contract when an affiliate store application is received through the affiliate store application module; A loyalty campaign management module for receiving, reviewing and registering the affiliate store's unique campaign information, processing campaign cancellation / cancellation, monitoring campaign status, and analyzing campaign performance; A loyalty merchant support management module for post-management of outstanding transactions of the merchant loyalty management system, merchant promotion support, merchant promotion support, merchant loyalty card issuance support, automatic processing of loyalty campaign rule inventory, and campaign inventory improvement tasks; And Includes a royalty merchant cancellation module that performs merchant termination processing, The loyalty campaign management module further includes a campaign application reception unit, a campaign review registration unit, a campaign suspension cancellation unit, a campaign status monitoring unit, and a campaign result analysis unit. Upon receiving the campaign request, the campaign application reception unit receives a campaign request based on the condition type of the base rule, whether the campaign is based on general campaigns and customer behavior information, and based on the target merchant type, whether it is a sole merchant campaign or a merchant joint campaign, and an immediate discount. A campaign list based on a combination of campaign types and offers including campaign offer types such as points, coupons, and gift items, and at least one campaign execution condition among duplicate discount rules and merchant point application. Campaign merchant loyalty management system that filters the status and recommends step-by-step execution based on the attractiveness of customers and the ease of IT development. The method of claim 1, The loyalty campaign application module receives a loyalty merchant registration request and updates a merchant customer management database connected to the loyalty management system, and the merchant customer management database is linked to a card customer management database of the financial processing system. delete delete delete delete The method of claim 1, The campaign review registration unit provides a list of campaign details, and the campaign suspension cancellation unit also provides a group of campaign details canceled / canceled campaign details by group to provide a campaign affiliate loyalty management system. The method of claim 1, The campaign status monitoring unit is a merchant loyalty management system that reports and monitors the specifics of the running or ended campaigns under various conditions to report to the financial system and merchant terminals. The method of claim 1, The campaign performance analysis information management unit is a merchant loyalty management system that analyzes the performance of the finished campaign on a variety of conditions and transmits the results to the merchants on a regular basis. delete

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