KR102222392B1 - Automatic creation and marketing system of customer ledger using credit card number - Google Patents

Abstract

A customer ledger automatic creation and marketing system using a credit card number according to one embodiment of the present invention is a marketing system that a buyer pays a seller with a credit card, collects purchase information based on payment, and uses purchase information for marketing. The customer ledger automatic creation and marketing system includes an accounting management server creating a customer ledger based on a credit card number used by a buyer, receiving purchase information of the buyer through a POS device of a seller, storing product purchase information for each customer, and using the product purchase information through a server of a credit card company.

Description

Automatic creation and marketing system of customer ledger using credit card number}

The present invention relates to a customer ledger automatic generation and marketing system using a credit card number. More specifically, when a seller uses a credit card through the seller's card terminal for marketing, the customer ledger is based on the credit card number. It relates to a marketing system that automatically generates and recommends appropriate products to customers based on credit card usage history.

As the marketing environment changes rapidly from the industrial society to the information society, the lifestyles of customers are diversified and the culture that values individuality is spreading, and competition between companies is becoming more intense to attract such customers.

Meanwhile, as electronic commerce services for purchasing products through wired and wireless networks such as the Internet have been actively implemented, the number of shopping malls selling various products has rapidly increased.

These shopping malls provide a variety of product information such as clothing, miscellaneous goods, home appliances, albums, and movies, and most products display product images with information such as the description, price, manufacturer, seller, discount information, and delivery method of the product. Mark them together so that customers can refer to them to purchase products.

In the case of online stores, marketing is carried out by using individual purchasing patterns as big data and displaying recommended products through them.

For example, Korean Patent Application Publication No. 10-2017-0019759 discloses a system for recommending products. After purchasing a product for marketing, it provides recommended product information based on evaluation information and purchase history information created during or after use of the product, or recommended product based on product information and evaluation information to be purchased according to user input It is a system that provides information and recommends a product reflecting the user's personal taste.

In the case of offline stores such as restaurants and stores, only passive marketing such as membership registration and issuance of coupons for customer management and marketing is being conducted, and information is not effectively provided to buyers to meet the needs of buyers.

From the seller's point of view, in order to manage customers, a separate database must be established and the purchaser's personal information such as the purchaser's name and phone number must be collected through the membership registration process. In order to database the purchaser's consumption patterns and product purchase history, it is necessary to ensure that the purchaser checks the member information when purchasing the corresponding service or product. For example, in order to build a database on the order pattern of buyers in a restaurant, the customer can be asked for a phone number and entered into a POS device, or directly entered through a numeric keyboard to identify the customer and then store the information. have.

Therefore, in order to perform marketing such as product recommendation using customer purchase information, there is a difficulty in having to build a separate hardware and form a database from the seller's point of view, and to collect and manage the personal information of the purchaser. From the buyer's point of view, there are problems in that it is inconvenient to check member information every time a payment is made and a burden to provide personal information to the seller.

Matters described as the above-described background art are only for enhancing an understanding of the background of the present invention, and should not be taken as acknowledging that they correspond to the prior art already known to those of ordinary skill in the art.

Korean Patent Application Publication No. 10-2017-0019759 (2017.02.22) Republic of Korea Public Utility Model Publication No. 20-2019-0002426 (2019.09.30)

The present invention was conceived to solve such a problem, and the object of the present invention is to reduce the work burden related to collecting purchase information of customers for marketing in existing stores, and without providing personal information to a separate server. It is to provide a marketing system that can perform marketing activities such as product recommendation and coupon sending using the information of the credit card company and the existing accounting program.

In order to achieve the above object, the customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention allows a buyer to pay the seller a payment with a credit card, collect purchase information based on this, and use it for marketing. In the marketing system, a customer ledger is created based on the credit card number used by the purchaser, and the purchase information of the purchaser is provided through the seller's POS device to store product purchase information for each customer, and credit using the product purchase information. It includes an accounting management server that provides marketing information to the purchaser through a card company's server.

The accounting management server includes: a seller management module that generates and stores identification information of the seller and product information of the POS machine; A buyer management module for generating a customer ledger based on the buyer's credit card number and generating and storing product purchase information for each seller; A card company management module that collects and stores card authorization information of the credit card used by the purchaser; A control module for controlling data generation and storage of the seller management module, the purchaser management module, and the card company management module; And a communication module for transmitting and receiving data of the seller management module, the purchaser management module, and the card company management module with the outside.

The accounting management server may be connected to an external financial server to perform accounting management based on the seller's card sales.

The customer ledger generated by the purchaser management module is identified only by a credit card number, and other personal information may be stored in an externally connected card company server.

The card company management module may provide marketing information to a card company server corresponding to the credit card number of the customer ledger of the purchaser, and provide the marketing information to the purchaser terminal through personal information registered in the card company server.

The marketing information provided to the purchaser may be information on recommended products according to the frequency of purchase of products by the purchaser.

The marketing information provided to the buyer may be a discount or free coupon for a specific product by the buyer.

Marketing information provided to the buyer may be new product information.

According to the automatic creation and marketing system of a customer ledger using a credit card number according to the present invention, there are the following effects.

From the seller's point of view, additional hardware equipment is not required to provide marketing information to the buyer, and it is possible to accurately and automatically derive which product is preferred from the product purchase information based on big data. Using this, it is possible to increase the revisit rate and sales by issuing discount coupons for products that buyers prefer. On the other hand, from the buyer's point of view, there is no need to provide personal information to the seller every time they purchase, and there is no need to provide the buyer's personal information to the seller or the accounting management server operator. Even if you install a separate application and do not sign up, you can receive marketing information through text messages on existing smartphones or messengers such as KakaoTalk.

1 is an overall network configuration diagram including a customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention.
2 is a block diagram showing a schematic configuration of an accounting management server of an automatic customer ledger generation and marketing system using a credit card number according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a procedure for automatically generating a customer ledger using a credit card number and generating a customer ledger in a marketing system according to an embodiment of the present invention.
4 is a diagram illustrating a process of automatically generating a customer ledger using a credit card number and generating purchase information by using a credit card in a marketing system according to an embodiment of the present invention.
5 is a diagram illustrating a process of automatically generating a customer ledger using a credit card number and providing product discount coupons and product information using purchase information in a marketing system according to an embodiment of the present invention.
6 is a diagram illustrating a process of automatically generating a customer ledger using a credit card number and using a coupon in a marketing system according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a setting for sending a coupon through an application of a seller terminal in a marketing system and automatically generating a customer ledger using a credit card number according to an embodiment of the present invention.
FIG. 8 is a diagram showing a screen for selecting a message type to be provided to a customer through an application of a seller terminal in a marketing system and automatically generating a customer ledger using a credit card number according to an embodiment of the present invention.
9 is a view showing a KakaoTalk coupon provided to a purchaser terminal in a customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention.
10 is a screen showing a text message provided to a purchaser terminal in a customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention.

The terminology used herein is for reference only to specific embodiments and is not intended to limit the present invention. Singular forms as used herein also include plural forms unless the phrases clearly indicate the opposite. The meaning of "comprising" as used in the specification specifies a specific characteristic, region, integer, step, action, element and/or component, and other specific characteristic, region, integer, step, action, element, component and/or group It does not exclude the existence or addition of

Although not defined differently, all terms including technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms defined in a commonly used dictionary are additionally interpreted as having a meaning consistent with the related technical literature and the presently disclosed content, and are not interpreted in an ideal or very formal meaning unless defined.

Hereinafter, a customer ledger automatic generation and marketing system using a credit card number according to a preferred embodiment of the present invention will be described with reference to the accompanying drawings.

1 is an overall network configuration diagram including a customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention. Basically, the accounting management server 10, which is a core component of the automatic customer ledger generation and marketing system, is connected to the external financial server 20, the seller terminal 30, the POS device 40, and the card company servers 51 and 52. The purchaser terminal 60 is connected to the card company servers 51 and 52.

The present invention improves the way in which the existing buyer provides personal information to the seller or provides customer management marketing service through the subscription procedure, so that when the buyer agrees to the customer management marketing service when issuing a credit card, the relationship with each seller It is a system that a seller can use for various marketing by creating product purchase information without a separate subscription procedure in.

The accounting management server 10 generates a customer ledger based on the credit card number used by the purchaser, receives purchase information of the purchaser through the seller's POS device 40, stores product purchase information for each customer, and purchases the product. Marketing information is provided to the purchaser through the card company servers 51 and 52 using the information.

When a separate server is operated to perform marketing using existing product purchase information, personal information is stored in the server, a customer ledger is created based on the personal information, and data is created and stored through it. In the present invention, a customer ledger is generated based on a credit card number, and product purchase information is generated and managed through the product information of the POS device 40 by using a credit card, but the accounting management server 10 is the user's name, The customer ledger is created based on the credit card number used by the purchaser without storing personal information such as phone number and address. In this case, necessary information is stored in the card company servers 51 and 52, and the purchaser's personal information is not stored in the accounting management server 10 for product purchase information and marketing.

The external financial server 20 may be a card sales inquiry system (www.cardsales.or.kr) operated by the Credit Finance Association. When a request for inquiry of details of card sales is received from the accounting management server 10 based on the seller's business registration number, it serves to provide the details of the card sales to the accounting management server 10. In addition, card sales information may be provided to the accounting management server based on the purchaser's used card number.

The seller terminal 30 is a terminal that provides protocols and hardware for accessing wired and wireless Internet so that a seller who sells goods or provides services can access the accounting management server 10, and is a personal computer (desktop) capable of accessing wired and wireless Internet. , Laptop), personal information terminal (smart phone, tablet, PDA), mobile communication terminal, etc. The seller terminal 30 installs an app or dedicated software to access the accounting management server 10. In addition to specific software, it is also possible to access through a site on the web. At this time, the installed app or dedicated software may be one that performs accounting management based on the seller's card sales as well as a marketing function. For example, it may be a program that receives card sales information from the accounting management server 10 through the external financial server 20 and performs accounting management through it. Through the seller terminal 30, the seller can subscribe to the service. At this time, the information input through the seller terminal 30 is identification information such as the seller's name and the seller's business number, a deposit bank for accounting management, a deposit account number, and the like. According to this information, a seller ledger is formed in the seller management module 110 of the accounting management server 10, through which information on the seller and product information in the connected POS device 40 may be stored.

The POS device 40 is operated for each seller, and generally performs a calculator function at a counter, is connected to the VAN company server, and is connected to the card company servers 51 and 52 to receive payment-related approval requests and approval confirmations, and perform payment. It is a device that does. Since the POS device 40 stores product information such as a product name, product quantity, and price for each individual seller, using the payment information from the POS device 40, product purchase information for each customer can be generated. Such information may be stored in the accounting management server 10 and used for marketing.

The card company servers 51 and 52 may provide card usage details to the accounting management server 10. Servers of various card companies may correspond to this depending on the card used by the purchaser. For example, when the customer ledger of the buyer is generated based on the credit card of the A card company, even if the buyer uses the credit card of the B card company, the personal information stored in the A card company server 51 is compared and the credit card of the A card company Product purchase information may be stored in the customer ledger created based on. On the other hand, since each card company generally receives consent to use personal information when issuing a card, the card company servers 51 and 52 hold the personal information of the purchaser, and the accounting management server 10 does not store it except for the card number.

The purchaser terminal 60 is a terminal capable of receiving marketing-related information from the card company servers 51 and 52, and includes personal computers (desktops, laptops), personal information terminals (smartphones, tablets, PDAs) with wired and wireless Internet access, and mobile devices. It refers to a communication terminal, etc. Typically, it may be a smartphone used by a buyer, and marketing related information can be received through a text message (MMS) or a messenger program such as KakaoTalk without installing a separate program or app.

2 is a block diagram showing a schematic configuration of an accounting management server of an automatic customer ledger generation and marketing system using a credit card number according to an embodiment of the present invention. The accounting management server 10 generates a customer ledger based on the credit card number used by the purchaser, and the seller may provide marketing information from the purchaser by using product purchase information generated by using the credit card.

The accounting management server 10 is a seller management module 110 that generates and stores the seller's identification information and the product information of the POS machine, and generates a customer ledger based on the buyer's credit card number and purchases products for each seller. A purchaser management module 120 that generates and stores information, a card company management module 130 that collects and stores card approval information of the credit card used by the purchaser, the seller management module, the purchaser management module, and the card company management module And a control module 140 for controlling the generation and storage of data of the seller, and a communication module 150 for transmitting and receiving data of the seller management module, the purchaser management module, and the card company management module with the outside.

The seller management module 110 generates a seller ledger based on the information input through the seller terminal 30. Product information stored in the POS device 40 for each seller may be transmitted through the seller management module 110 and transmitted to the purchaser management module 120. The seller management module 110 generates and stores marketing information set by the seller through the application. Such marketing information may be information on recommended products according to product purchase frequency, discount of a specific product, free coupon, or new product information. Such information may be designated by the seller, or may be selected based on various data derived by a big data analysis method through product purchase information stored in the buyer management module 120 to be described later. For example, it may be marketing information on a product with a high purchase frequency or a product with a high product purchase rate by a specific time slot or season by using a purchase pattern of a buyer.

The purchaser management module 120 generates a customer ledger with a feeling of the card used according to the purchaser's card usage history. For the contents stored in the customer ledger, the card company and card number are stored, and any personal information of the purchaser other than the card number is not stored. Since only the card number is identified, the operator of the accounting management server 10 can operate without a separate consent procedure to the purchaser. For example, if a buyer agrees to provide product information as in the present invention when a new credit card is issued, the hassle of separately signing up for each store can be avoided. In addition to the integrated marketing information provided only by card companies, it is useful to the buyer because marketing information is provided for each seller without a separate procedure according to the seller frequently used by the buyer. The purchaser management module 120 stores product purchase information in the customer ledger, and through this, various statistical information may be generated and stored. The product purchase information provided from the POS device can be the purchase date, time, product name, purchase unit price, purchase quantity, and total purchase amount, and product purchase information such as the purchaser's frequency of purchase and products with a large number of purchases for each data. Can be created. At this time, it is possible to use a known big data analysis method.

The card company management module 130 stores card usage history information for each card company, and is connected to the card company servers 51 and 52 to provide marketing information to the purchaser terminal through the purchaser terminal. In the present invention, since the customer ledger is identified only by a credit card number, it is difficult to directly send marketing information from the accounting management server 10 to the purchaser. Therefore, it can be provided through a phone number stored in the affiliated card company servers 51 and 52 or an application operated by the card company. If the buyer wants to actively receive marketing information rather than this method, it is also possible to separately install and use a dedicated application or program on the buyer's terminal. In this case, the information can be directly received through the accounting management server 10.

As described above, according to the customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention, a separate hardware equipment is not required to provide marketing information to the buyer from the seller's point of view. Whether you prefer it can be accurately and automatically derived based on big data. Using this, it is possible to increase the revisit rate and sales by issuing discount coupons for products that buyers prefer. On the other hand, from the buyer's point of view, there is no need to provide personal information to the seller every time they purchase, and there is no need to provide the buyer's personal information to the seller or the accounting management server operator. Even if you install a separate application and do not sign up, you can receive marketing information through text messages on existing smartphones or messengers such as KakaoTalk.

FIG. 3 is a diagram illustrating a procedure for automatically generating a customer ledger using a credit card number and generating a customer ledger in a marketing system according to an embodiment of the present invention.

In order for the seller to implement the marketing service, the seller installs the application through the terminal 30 and applies for a customer management menu after signing up for the service (S11). This application is not simply an application for marketing, but an accounting management application using the seller's card sales information. The accounting management server 10 collects card sales data information through the external financial server 20 (S12). The customer ledger is automatically generated based on the credit card first used after the set date among the provided card sales data (S13), and in the case of two or more cards used by the buyer, it is set based on the first used card number within the set period. In the case of the same person, it is also possible to compare the personal information of the card company's server for other card usage details.

4 is a diagram illustrating a process of automatically generating a customer ledger using a credit card number and generating purchase information by using a credit card in a marketing system according to an embodiment of the present invention.

When the purchaser uses a credit card to pay for goods through the POS device 40, a card approval procedure is performed through the card company servers 51 and 52 (S21). Upon completion of the card payment approval, card approval purchase information is provided to the accounting management server 10 through the external financial server 20. At this time, the POS device 40 provides product purchase information. The product purchase information may include a purchase date, time, product name, purchase unit price, purchase quantity, and total purchase amount. Through the product purchase information provided, product purchase information such as a purchase frequency of a purchaser and a product with a large number of purchases may be generated for each data.

5 is a diagram illustrating a process of automatically generating a customer ledger using a credit card number and providing product discount coupons and product information using purchase information in a marketing system according to an embodiment of the present invention. In the present invention, since the accounting management server 10 does not store the personal information of the purchaser, it must be provided through the card company servers 51 and 52 in order to receive marketing information. The accounting management server 10 transmits the product discount coupon and product information input by the seller through the seller terminal 30 to the card company server (S31). The card company servers 51 and 52 may transmit product discount coupons and product information to the purchaser terminal using the stored personal information. That is, the card company servers 51 and 52 send a text message including a product discount coupon (bar code) and product information using personal information corresponding to the card number (S32). Buyers can check product discount coupons and product information through text messages, and can use them through barcodes provided with them.

6 is a diagram illustrating a process of automatically generating a customer ledger using a credit card number and using a coupon in a marketing system according to an embodiment of the present invention. In order for the buyer to use the coupon, a barcode provided from the card company servers 51 and 52 is required. Using the barcode provided through the text message, the coupon is used through the POS device 40 of the seller (S41). The barcode information is transmitted to the accounting management server 10 through the POS device 40 (S42). The accounting management server 10 retrieves and approves a coupon when a request for a coupon payment is received while the barcode information is transmitted (S43). When the account management server 10 transmits the coupon approval details to the POS device 40, the coupon use is completed.

7 is a diagram showing a coupon delivery setting through an application of a seller terminal in the automatic creation of a customer ledger and a marketing system using a credit card number according to an embodiment of the present invention. The seller may subscribe to the service through an application installed on the seller terminal 30. At this time, the input information may include ID for identification, password, business number, date of birth, deposit bank, deposit account information, and the like.

FIG. 8 is a diagram showing a screen for selecting a message type to be provided to a customer through an application of a seller terminal in a marketing system and automatically generating a customer ledger using a credit card number according to an embodiment of the present invention. Through the present invention, a seller can perform various promotional activities. As well as a barcode for using coupons. It is possible to send a variety of messages. For example, a welcome message, new product information, discount event information, etc. are possible.

9 is a view showing a KakaoTalk coupon provided to a purchaser terminal in a customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention. 10 is a screen showing a text message provided to a purchaser terminal in a customer ledger automatic generation and marketing system using a credit card number according to an embodiment of the present invention. 9 and 10, a purchaser may use a coupon through a KakaoTalk message or text message provided.

Although the embodiments of the present invention have been described with reference to the accompanying drawings, those of ordinary skill in the art to which the present invention pertains can be implemented in other specific forms without changing the technical spirit or essential features. You will be able to understand.

Therefore, it should be understood that the embodiments described above are illustrative and non-limiting in all respects. The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or altered forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

10: accounting management server 20: external financial server
30: seller terminal 40: POS device
51, 52: card company server 60: buyer terminal
110: seller management module 120: buyer management module
130: card company management module 140: control module
150: communication module

Claims (8)

In a marketing system in which a buyer pays the seller with a credit card, collects purchase information based on this, and uses it for marketing,
Create a customer ledger based on the credit card number used by the buyer, receive purchase information of the buyer through the seller's POS device, store product purchase information for each customer, and use the product purchase information through the credit card company's server. It includes an accounting management server that provides marketing information to the buyer,
The accounting management server is a seller management module that generates and stores the identification information of the seller and the product information of the POS machine, and generates a customer ledger based on the credit card number of the buyer and generates and stores product purchase information for each seller. A purchaser management module, a card company management module that collects and stores card approval information of the credit card used by the purchaser, the seller management module, the purchaser management module, and a control module that controls data generation and storage of the card company management module, and the The seller management module includes a communication module for transmitting and receiving data of the buyer management module and the card company management module to and from the outside,
The customer ledger created in the purchaser management module is identified only by a credit card number, and other personal information is stored in the card company server connected to the outside,
The accounting management server is connected to an external financial server to perform accounting management based on the seller's card sales,
The card company management module provides marketing information to the card company server corresponding to the credit card number of the customer ledger of the purchaser, and provides the marketing information to the purchaser terminal through the card company server through personal information registered in the card company server. The customer ledger automatic generation and marketing system using a credit card number that can prevent personal information exposure because the purchaser's personal information is not stored in the accounting management server.
delete The method according to claim 1,
The marketing information provided to the purchaser is a product with a high purchase frequency selected by a big data analysis method through product purchase information stored in the purchaser management module, or product information with a high product purchase rate by a specific time slot or season. Automatic creation of customer ledger and marketing system using number.
The method according to claim 1,
The marketing information provided to the buyer is recommended product information according to the product purchase frequency of the purchaser selected by the big data analysis method through the product purchase information stored in the purchaser management module, and automatically generates a customer ledger using a credit card number. Marketing system.
The method according to claim 1,
The marketing information provided to the purchaser is a discount or free coupon for a specific product selected by a big data analysis method through product purchase information stored in a purchaser management module.
The method according to claim 1,
The marketing information provided to the buyer is a new product information, and automatic customer ledger generation and marketing system using a credit card number. delete delete

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