KR101592463B1 - Server, method and system for mining payment admission data - Google Patents

Abstract

A mining service system according to the present invention includes: a portable terminal installed with a service application having a unique application key; A billing information service system having a database, a mining service server and a push server, storing payment approval information, mining payment approval information according to mining condition information, and generating and providing customized marketing information for each purchase pattern; Stores and manages information on an application key of a service application installed in a portable terminal of the service subscribers, performs payment approval according to a payment approval request from the outside, and provides payment approval information to the mining service server, And an application key without including the personal identification information.

Description

METHOD AND Mining Service System for Payment Approval Information [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment technology using a portable terminal, and more particularly, to a method and system for mining payment approval information generated at the time of payment using a portable terminal.

In general, payment service technology implements settlement between a seller and a purchaser using a payment system or a VAN (value added network) system. The next generation billing system, called Payment 2.0 (PayMent 2.0), provides payment settlement services, enabling personalized payment services.

The conventional payment agent system may be a credit card company system or a bank system, and upon payment approval, generates payment approval information including personal identification information and provides the payment approval information to the seller's terminal. Although the payment approval information is very reliable information, it is difficult to use it as marketing information due to the problem of leakage of personal information because personal information is included.

Accordingly, the present invention proposes a scheme for providing marketing information using payment approval information.

Korean Patent Publication No. 10-2010-0061097 Korean Patent Publication No. 10-2003-0055206 Korean Patent Publication No. 10-2012-0074531

In the present invention, a service application having an application key unique to a service terminal of a service subscriber is installed, and the payment approval information includes an application key in place of the personal identification information, thereby mining payment approval information based on the application key And to provide a payment approval information mining method and service system capable of providing customized marketing information for each purchase pattern.

According to another aspect of the present invention, there is provided a method for mining payment approval information using a mobile terminal, the method comprising: receiving a payment approval information using a service application having a unique application key installed in a portable terminal of a service subscriber;

The settlement company server performs a settlement approval and generates payment approval information and provides the payment approval information to the mining service server, wherein the settlement approval information includes an application key instead of the individual identification information, Wherein the application key included in the payment approval information is an application key of a service application installed in a portable terminal of a service subscriber requested to settle the payment;

When the mining service server receives the payment approval information from the payment server, storing the payment approval information in a database on the basis of the application key and providing the payment approval information to the push server; Extracting an application key included in the payment approval information, and pushing the payment approval information to a portable terminal installed with a service application corresponding to the application key;

Wherein when the mining service server is provided with condition information for mining according to a purchase pattern from the outside, the mining service server mines the settlement approval information of the database on the basis of the application key according to the condition information, Combining the corresponding marketing information to generate customized marketing information for each purchase pattern and providing the customized marketing information to the push server;

The push server extracts an application key from the mining service server if the payment approval information or the customized marketing information for each purchase pattern is provided, and transmits the payment approval information or the customized marketing information for each purchase pattern to the mobile terminal corresponding to the application key And pushing.

In the mining method according to the present invention, the mining service server may generate a payment request notification message and provide the payment request notification message to the push server when the payment request information including the application key is provided from the payment server.

Extracting an application key from a payment request notification message provided from the mining service server and pushing the application key to a mobile terminal corresponding to the application key;

The mining service server may further provide the payment specialist to the payment server and request payment approval if the payment specialist is provided in response to receiving the payment request notification message from the mobile terminal.

In the mining method according to the present invention, the portable terminal further includes a step of receiving, storing and managing a unique application key when installing a service application, and providing the application key to the push server and the payment server,

The mobile terminal may further include a step of outputting payment approval information pushed from the mining service server and custom marketing information for each purchase pattern using a service application.

In the mining method according to the present invention, the payment approval information includes purchase information and payment information, and the purchase information and the payment information may include at least one of gender and age of the purchaser, information of the seller, purchase amount, purchase item, Or more.

According to a second aspect of the present invention, there is provided a mining service system comprising: a portable terminal installed with a service application having a unique application key; A billing information service system having a database, a mining service server and a push server, storing payment approval information, mining payment approval information according to mining condition information, and generating and providing customized marketing information for each purchase pattern; Stores and manages information on an application key of a service application installed in a portable terminal of the service subscribers, performs payment approval according to a payment approval request from the outside, and provides payment approval information to the mining service server, And a payment server which does not include the personal identification information and includes an application key,

In the payment information service system,

The database stores settlement approval information based on the application key. When the settlement approval information is transmitted from the settlement company server, the mining service server stores settlement approval information in a database, If the information is provided, the payment approval information of the database is mapped based on the application key according to the condition information, and the mining result is combined with the marketing information corresponding to the condition information to generate customized marketing information for each purchase pattern, The push server stores and manages information on the mobile terminal installed with the service application corresponding to each application key, detects application keys from the customized marketing information for each purchase pattern provided from the mining service server, To the mobile terminal corresponding to the application key is pushed to customized marketing information by the purchasing patterns.

In the mining service system according to the second aspect, when the payment approval information is transmitted from the payment server, the mining service server stores the payment approval information in a database and provides the payment approval information to the push server,

The push server extracts the application key from the payment approval information provided from the mining service server and pushes the payment approval information to the portable terminal corresponding to the application key.

In the mining service system according to the second aspect, the mining service server generates a payment request notification message and provides the payment request notification message to the push server when the payment request information including the application key is provided from the payment server,

The push server generates a payment request notification message provided from the mining service server and pushes the payment request notification message to the portable terminal corresponding to the application key.

In the mining service system according to the second aspect, the mobile terminal receives and stores a unique application key when installing the service application, and the application key is provided to the push server and the payment server, Managed,

When the payment approval information and the customized marketing information for each purchase pattern are pushed from the payment information service system, the portable terminal outputs the service using the service application.

In the mining service system according to the second aspect, the payment approval information includes purchase information and payment information, and the purchase information and the payment information include at least one of gender and age of the purchaser, information of the seller, purchase amount, And the date and time.

In the present invention, a service application having an application key unique to a mobile subscriber of a service subscriber is installed, and customized marketing information for each subscription pattern differentiated from service subscribers is generated using application keys without using or leaking personal identification information .

Further, according to the present invention, by using the application key of the service application installed in the mobile terminal of the service subscriber without including the personal identification information in the payment approval information provided by the payment server in the mining service server, The approval information can be used as marketing information.

Meanwhile, the mining service system according to the present invention not only improves the reliability of marketing information but also provides differentiated marketing information by extracting purchase patterns by mining the most accurate and reliable settlement credit information.

1 is a block diagram of a mining service system using a mobile terminal according to a preferred embodiment of the present invention.
2 is a flow chart of a method for mining payment approval information according to a preferred embodiment of the present invention.
3 is a flowchart of a customized information service method according to a purchase pattern according to a payment approval information according to a preferred embodiment of the present invention.

The mining service system according to the present invention minifies settlement approval information to provide a differentiated information service to a service subscriber through a credit payment channel using a service application installed in a mobile terminal, Service.

<Configuration of Mining Service System>

Now, a configuration of a mining service system using a service application installed in a mobile terminal according to the present invention will be described with reference to FIG. The mining service system according to the present invention includes a settlement company server 300, a settlement information service system 100, mobile terminals 200, an affiliate shop terminal 202 and a member company terminal 400.

The payment company server 300 may be one of a card company system, a bank system, or a communication company system capable of performing payment processing on a payment medium. When a payment approval request is issued from the outside, the payment server 300 performs an authentication procedure and then performs payment approval .

The portable terminal 200 means a portable terminal of service subscribers, and a service application is installed and driven. The service application pushes a payment request notification message, payment approval information, or customized marketing information for each purchase pattern from the payment information service system, and outputs the pushed message to the screen of the portable terminal.

The payment information service system 100 includes a mining service server 102, a database 104, and a push server 106 linked to a payment company server. Meanwhile, the database and the push server may be formed integrally with the mining service server or may be formed separately from each other.

The mining service server 102 stores settlement approval information in a database or mining payment approval information stored in a database according to a preferred embodiment of the present invention, and provides service subscribers with customized marketing information Service.

The database 104 stores and manages payment approval information provided from a payment company.

The push server 106 stores and manages application keys for a service application installed in a mobile terminal of service subscribers and identification information for a mobile terminal installed with a service application corresponding to each application key. The push server extracts the application key from the payment approval information, the customized marketing information according to the purchase pattern or the payment request notification message when the payment approval information, the customized marketing information according to the purchase pattern, or the payment request notification message is provided from the mining service server, Key, and pushes payment approval information, customized marketing information according to a purchase pattern, or a payment request notification message to the service application of the portable terminal.

When the payment approval information is provided from the payment server, the mining service server 102 stores the payment approval information in the database and provides it to the push server.

In addition, when the mining service server provides the condition information for mining according to the purchase pattern from the outside, the mining service server mines the settlement approval information of the database on the basis of the application key according to the condition information, Generates customized marketing information for each purchase pattern, and provides customized marketing information for each purchase pattern to the push server. Here, the mining service server may receive condition information for mining according to the purchase pattern from the external member terminal 400 or directly input from the system operator.

In addition, when the payment request information is provided from the payment server, the mining service server generates a payment request notification message and provides the payment request notification message to the push server.

When the push server receives payment approval information, customized marketing information for each purchase pattern or a payment request notification message from the mining service server, the push server extracts an application key from each piece of information, And pushes the customized marketing information, payment approval information, or payment request notification message for each purchase pattern to the installed mobile terminals.

When a payment approval request is received from the mining service server 102 or the mobile terminal, the payment server 300 performs a payment approval procedure and generates payment approval information according to the payment approval request and provides the payment approval information to the mining service server 102.

The payment approval information generated by the payment company server does not include the personal identification information of the person who requested the payment, and includes an application key instead of the personal identification information. Here, the application key is a unique identification value assigned to the service application installed in the mobile terminal of the service subscriber. The application key is provided when the service application is installed in the portable terminal of the service subscriber, and is stored and managed together with information on the portable terminal in the portable terminal, the push server, and the payment server.

The payment approval information includes purchase information and payment information together with application key information, and does not include personal identification information on a person who requested payment. The application key information is unique application key information for a service application installed in a mobile terminal of a service subscriber requesting payment. The purchase information and the payment information may include at least one of location information predefined according to the payment amount information, the merchant identification information, the date and time information, the merchant store identification information, the merchant business type / service information, the purchase product (service) information, / Off-line purchasing behavior, discounts / amounts, buyer gender and age information. Here, the merchant means a credit card merchant.

The service application of the portable terminal 200 outputs a payment request notification message from the mining service server 102 through the push server and generates payment special information according to a request of the service subscriber, To the server (102). Also, the service application of the mobile terminal 200 outputs payment approval information or customized marketing information for each purchase pattern from the mining service server 102 through the push server, and outputs the customized marketing information to the service subscriber.

The member company terminal 400 refers to a terminal of a company that wants to receive marketing information using payment approval information. The terminal 400 requests mining by providing condition information for mining according to a purchase pattern to the mining service server, And provides marketing information on a selected portion of the mined result information to the mining service server 102.

The mining service system according to the present invention having the above-described configuration is characterized in that the payment server is provided with settlement approval information including an application key other than personal identification information, so that consumption of service subscribers A pattern or a time / location based consumption pattern can be predicted from the payment approval information, thereby providing a customized marketing information service for each purchase pattern.

<Method of mining payment approval information>

2, a payment approval information mining method applicable to a payment system using a portable terminal equipped with a service application having a unique application key according to the present invention will be described.

The mining service server 102 generates a payment request notification message and pushes the payment request notification message to the mobile terminal 200 of the corresponding service subscriber when a payment request is generated from an external device such as a portable terminal or a credit card payment machine (Step 502). The payment request notification message may include merchant identification information, an application key corresponding to the portable terminal of the service subscriber, amount information, date information, and the like. In the message provided to the push server 106, application key information is included for service subscriber identification. The application key is unique key information assigned to a service application installed in the mobile terminal of the service subscriber.

The push server stores and manages information on a portable terminal having a unique application key for a service application installed in the mobile terminal of the service subscriber and a service application corresponding to each application key.

Upon receiving the payment request notification message, the push server 106 extracts the application key included in the payment request notification message, detects information about the portable terminal installed in the service application corresponding to the application key, The notification message is pushed to the portable terminal 200 (Step 504). In step 506, the service application of the mobile terminal 200 pushes the payment request notification message and displays it on the screen and outputs it to the service subscriber.

If the service subscriber permits payment in step 508, the service application of the mobile terminal 200 generates payment specialist information and provides the payment specialist information to the mining service server 102 (step 510) step). The payment specialist information includes payment medium information of a service subscriber, for example, credit card information to be paid.

The mining service server 102 receives the payment specialist information and provides the payment specialist information to the payment server 300 (step 512). The payment server 300 performs payment approval processing according to the payment professional information (step 514), generates payment approval information according to the payment approval information, and provides the payment approval information to the mining service server 102 (step 516).

The mining service server 102 stores the payment approval information in the database and provides the payment approval information to the push server in operation 520.

Upon receiving the payment approval information, the push server 106 extracts the application key included in the payment approval information, detects information about the portable terminal installed with the service application corresponding to the application key, To the portable terminal 200 (step 522). In step 524, the service application of the portable terminal 200 pushes the payment approval information, displays it on the screen, and outputs the payment approval information to the service subscriber.

&Lt; Customized information service method per purchase pattern according to payment approval information >

Now, a process of providing customized marketing information for each purchase pattern using a result of mining of payment approval information by the mining service server according to the present invention will be described with reference to FIG.

The member terminal 400 transmits condition information for mining according to the purchase pattern to the mining service server 102 (Step 602). For example, the condition information may be a position at which consumption is performed, an amount of money consumed, information of a type of an affiliated store where consumption is performed, and the like.

When the condition information for mining according to the purchase pattern is provided, the mining service server 102 mines the payment approval information of the database on the basis of the application key according to the mining condition information (step 610) Customized marketing information for each purchase pattern is generated by combining the marketing information set according to the pattern (step 612), and provided to the push server (step 614).

Here, the marketing information according to the purchase pattern may be provided from the member terminal providing the condition information, input from the system operator, or registered in the mining service server in advance. In addition, the marketing information may be any type of information that provides special benefits to service subscribers classified through a mining process such as a discount coupon or an event guide.

Upon receiving the customized marketing information for each purchase pattern, the push server 106 extracts the application key included in the customized marketing information for each purchase pattern, detects information about the portable terminal installed in the service application corresponding to the application key , And pushes the customized marketing information for each purchase pattern to the portable terminal 200 (step 620). The service application of the portable terminal 200 pushes the customized marketing information for each purchase pattern, displays it on the screen, and outputs the customized marketing information to the service subscriber in operation 630.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood that various changes and modifications may be made without departing from the spirit and scope of the invention. It is to be understood that the present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics thereof.

The system according to the present invention can be widely used in marketing or advertising using payment information.

100: Billing information service system
102: Mining service server
104: Database
106: push server
202: Merchant terminal
300: payment server
400: Member company terminal

Claims (10)

A payment approval information mining method using a service application having a unique application key installed in a portable terminal of a service subscriber,
The settlement company server performs a settlement approval and generates payment approval information and provides the payment approval information to the mining service server, wherein the settlement approval information includes an application key instead of the individual identification information, Wherein the application key included in the payment approval information is an application key of a service application installed in a portable terminal of a service subscriber requested to settle the payment;
When the mining service server receives the payment approval information from the payment server, storing the payment approval information in a database on the basis of the application key and providing the payment approval information to the push server;
Wherein when the mining service server is provided with condition information for mining according to a purchase pattern from the outside, the mining service server mines the settlement approval information of the database on the basis of the application key according to the condition information, Combining the corresponding marketing information to generate customized marketing information for each purchase pattern and providing the customized marketing information to the push server; And
The push server extracts an application key from the mining service server if the payment approval information or the customized marketing information for each purchase pattern is provided, and transmits the payment approval information or the customized marketing information for each purchase pattern to the mobile terminal corresponding to the application key The method comprising:
Wherein the payment approval information includes purchase information and payment information, and the purchase information and the payment information include at least one of a gender and an age of the purchaser, information related to the seller, purchase amount, purchase item, A method of mining payment authorization information using an application installed in a terminal. The method according to claim 1,
When the mining service server provides the payment request information including the application key from the payment server, providing the payment request notification message to the push server;
Extracting an application key from a payment request notification message provided from the mining service server and pushing the application key to a mobile terminal corresponding to the application key;
Wherein the mining service server provides a settlement advertisement in response to receiving the settlement request notification message from the mobile terminal. The method of claim 1, wherein the portable terminal is provided with a unique application key for storing and managing the application key when installing the service application, and the application key is provided to the push server and the payment server,
Further comprising the step of outputting payment approval information pushed from the mining service server and customized marketing information for each purchase pattern using a service application. delete A mobile terminal in which a service application having a unique application key is installed and operated;
A billing information service system having a database, a mining service server and a push server, storing payment approval information, mining payment approval information according to mining condition information, and generating and providing customized marketing information for each purchase pattern; And
Stores and manages information on an application key of a service application installed in a portable terminal of the service subscribers, performs payment approval according to a payment approval request from the outside, and provides payment approval information to the mining service server, And a payment server which does not include the personal identification information and includes an application key,
In the payment information service system,
The database stores payment approval information based on an application key,
Wherein when the payment approval information is transmitted from the payment server, the mining service server stores payment approval information in a database, and when condition information for mining according to a purchase pattern is provided from the outside, The mining result is combined with the marketing information corresponding to the condition information to generate customized marketing information for each purchase pattern to provide to the push server,
The push server stores and manages information on the mobile terminal installed with the service application corresponding to each application key, detects the application keys from the customized marketing information for each purchase pattern provided from the mining service server, Pushing customized marketing information for each purchase pattern to a terminal,
Wherein the payment approval information includes purchase information and payment information, and the purchase information and the payment information include at least one of a gender and an age of the purchaser, information related to the seller, a purchase amount, a purchase item, Approval information mining service system. 6. The method of claim 5,
Wherein the mining service server stores the payment approval information in a database and provides the payment approval information to the push server when the payment approval information is transmitted from the payment server,
Wherein the push server extracts the application key from the payment approval information provided from the mining service server and pushes the payment approval information to the portable terminal corresponding to the application key. 6. The method of claim 5,
The mining service server generates a payment request notification message and provides the payment request notification message to the push server when the payment request information including the application key is provided from the payment server,
Wherein the push server generates a payment request notification message provided from the mining service server and pushes the payment request notification message to the mobile terminal corresponding to the application key. 6. The method of claim 5,
Wherein the service application of the portable terminal generates a billing message in response to the payment request notification message being pushed from the billing information service system and provides the payment message to the billing server to request payment approval, . The mobile terminal of claim 5, wherein the portable terminal receives and stores a unique application key when installing a service application, and the application key is stored in and managed by the push server and the payment server,
Wherein the portable terminal outputs the payment approval information and the customized marketing information for each purchase pattern from the payment information service system using a service application.



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