KR20030005746A - A method of managing customer using a credit card settlement system - Google Patents

Abstract

PURPOSE: A customer management method is provided to analyze transaction data and customer data for an affiliated store, and to offer highly value-added information to the affiliated store by using data in a credit card payment system. CONSTITUTION: The method comprises several steps. An affiliated store checks whether a customer is a registered member(S102) and transmits a customer name and resident registration number or a credit card number to a customer management server(S103) in a case that the affiliated store wants to receive data on a specific customer(S101). The customer management server checks the customer based on the customer name and resident registration number or the credit card number transmitted by the affiliated store(S104), extracts data on the affiliated store, the customer and the customer transaction specification from a database(S105), generates new information by processing the extracted data and transmits the new generated customer relevant information to the affiliated store(S106).

Description

Customer management using credit card payment system {A METHOD OF MANAGING CUSTOMER USING A CREDIT CARD SETTLEMENT SYSTEM}

The present invention relates to a customer management method, and in particular, by analyzing the transaction information and customer information and merchant information of the merchant in the credit card payment system to provide processed high value-added information to the merchant can efficiently manage the customer and The present invention relates to a customer management method using a credit card payment system that can help establish a management strategy.

Recently, as industrialization progresses and the credit society arrives, the indirect payment method of paying by using a credit card is rapidly expanding from the direct payment method that pays money when purchasing goods or using services. Such an indirect payment method is widely recommended in the country because it can prevent problems of the tax portal due to transparent transaction details.

In general, a payment method using a credit card reads user information stored in a credit card by a credit card reader when a user purchases a product or uses a service, and transmits it to the credit card company along with the transaction. The credit card company approves the payment based on the transmitted user information.

In such a credit card payment, a lot of user information and transaction information is transmitted and received between the user and credit card merchants and financial institutions (credit card companies), but until now, the information transmitted and received is only used at the time of payment. It did not help the management efficiency of merchants at all.

The present invention has been made in view of the above, and the credit settlement that enables efficient customer management of the merchant by providing the customer information of the merchant requested by processing the customer information, merchant information and transaction information at the request of the merchant The purpose is to provide a customer management method using the system.

It is another object of the present invention to provide a customer management method using a credit settlement system that provides an affiliated store with transaction trend information, sales status information of a dairy business, sales status information for each region, and the like, so as to enable efficient management of the affiliated store.

In order to achieve the above object, the customer management method according to the present invention is a customer management method using a credit settlement system connected to a merchant, a financial institution and a payment settlement server, the customer management server is connected through a network, the merchants, financial institutions And transmitting and storing merchant information, customer information, and transaction information from the payment server to the customer management server, requesting the provision of information from the merchant to the customer management server, and based on the information stored in the customer management server. Confirming the information contents requested by the affiliated store, generating stored information requested by the affiliated party by processing the stored affiliated store information, customer information and transaction information, and transmitting the generated information to the affiliated store.

By the above process, the customer management server can provide the customer with the purchase type information, the merchant's credit transaction information, the affiliated business's sales information, the regional affiliate's sales information, etc., to the affiliated store. Efficiently manages customers and formulates management strategies.

1 is a simplified block diagram showing a customer management system according to the present invention.

2 is a block diagram showing the structure of a customer management server of FIG.

3 is a block diagram showing the structure of the information processing part of FIG.

Figure 4 is a flow chart illustrating a method for providing information to the affiliated store when there is a request for providing information to the customer from the merchant in the customer management method according to the present invention.

5 is a flowchart showing a method of generating purchase type information of a customer.

6 is a flowchart illustrating a method of generating purchase pattern information of a customer.

7 is a flowchart illustrating a method of providing information to a corresponding merchant when a request for providing information on a credit transaction trend is received from a merchant in a customer management method according to the present invention.

8 is a flowchart illustrating a method of providing information to a corresponding affiliated store when there is a request for providing information on sales status of a dairy business from an affiliated store in a customer management method according to the present invention.

FIG. 9 is a flowchart illustrating a method of providing information to a corresponding affiliated store when a request for providing information on sales status for each region is received from an affiliated store in the customer management method according to the present invention.

Explanation of symbols on the main parts of the drawings

1: network 3: merchant

5: customer management server 7: payment server

9: financial institution 10: information input unit

16: Information requesting unit 18: Information processing unit

22: Customer DB 24: Merchant DB

26: transaction DB 30: customer purchase information generation unit

32: merchant transaction information generation unit 34: dairy business sales information generation unit

36: regional information generation department

Recently, interest in customer relationship management, which has dramatically improved customer management in order to increase corporate profitability, is increasing. CRM is a management technique that greatly improves customer trust and builds long-term relationships with customers by satisfying their needs by individualizing and customizing their needs as individual customers rather than customer groups. to be. As such, by improving the relationship with the customer, the purchasing power of the customer is increased. In addition, since the loyalty of the customer to the enterprise product is also increased, it is possible to promote the product by the word of mouth of the existing customers, it is possible to easily acquire new customers.

As mentioned above, CRM has a number of advantages, but small companies, especially small businesses or service providers, are not implementing such CRM due to various problems.

In the present invention, by using the existing credit settlement system to enable the customer management of credit card merchants of small shops. To this end, the present invention receives the customer information, merchant information, transaction information to the merchant and financial institutions (or trusted third party) to the customer management server to provide a variety of information for customer management by processing these information. .

The customer information is mainly information provided to the financial institution by the customer when issuing the credit card. The customer information is not only general information such as the name, gender, social security number, age, address and credit card number but also education level, income level, occupation, housing type, It includes various high value-added information such as vehicle ownership, family status, and the like. In addition, the merchant information includes basic information such as merchant name, merchant owner's resident registration number, merchant address and phone number, merchant name and business registration number, merchant's location, merchant's business type, and advanced information such as annual sales amount, industry. Transaction information is generated when a customer makes a payment after purchasing a product or using a service, and includes a credit card number, a merchant business registration number, a transaction date and time, a transaction place, a large item, and a transaction amount.

The customer information, merchant information and transaction information as described above are provided from time to time at the request of the merchant. In addition, the information can be processed into more advanced information. For example, information such as purchase type information based on customer information and transaction information, sales trends of dairy businesses, sales status of each region, or propensity of potential customers is generated from basic customer information, merchant information, and transaction information. It is essential for merchant management and management improvement.

Hereinafter, with reference to the accompanying drawings will be described in detail an embodiment of a customer management method using a credit card system according to the present invention.

1 is a view showing an overview of a customer management system according to the present invention. As shown in the figure, the merchant 3, the customer management server 5, the payment server 7 and the financial institution 9 are connected to each other via the network 1. At this time, although the affiliated store (3), customer management server (5), payment server (7) and financial institution (9) are connected through a network in the figure, the merchant (credit card payment terminal of the merchant) And payment server 7 and the financial institution 9 may be connected via a dedicated line. In other words, the network 1 may be composed of various networks such as a wired Internet, a wireless internet, or a financial network. It is preferable to use an existing credit card payment system as it is in terms of cost and efficiency.

The customer management server 5 receives the merchant information from the merchant 3, the credit card user information from the financial institution 9, the credit card transaction information from the payment server 7, and the like, and stores the information by classification. Generate various high value-added information on the basis of this. Typically, financial institutions store only basic information such as credit card user's name, social security number, address, and credit card number. Thus, other information of the user, for example, high value information such as education level, income level, occupation, housing type, vehicle ownership, family status, etc., may register the customer as a member at the merchant to provide points or miles. When the information provided by the customer to the merchant, it is provided to the customer management server 5 from the merchant and stored.

The payment server 7 is a server for providing a normal credit card payment service, and stores information on the transaction and provides the stored information to the customer management server 5.

FIG. 2 is a block diagram showing the structure of the customer management server 5 of FIG. As shown in the figure, the customer management server 5 includes an information input unit 10 into which merchant information, transaction information and customer information are input from the merchant 3, the payment server 7, and the financial institution 9; The information confirmation unit 12 confirms the affiliated store and the customer with respect to the input information, and processes the inputted information to classify by the affiliated store, the customer, and the region, and the customer DB 22, the affiliated store DB 24, and the transaction ( Information processing unit 14 stored in the DB), an information requesting unit 16 into which a request for specific information (processed high value-added information) about the customer or the affiliated store itself from the affiliated store 3 is input, and the affiliated store 3 If there is a request from the customer DB 22, the merchant DB 24 and the information processing unit for processing the customer information, merchant information and transaction information provided from the transaction (DB) to generate the information requested by the merchant (3) ( 18) and the information providing unit 20 for providing the generated information to the affiliated store (3) It is.

The information processing unit 18 processes the information stored in the customer DB 22, the affiliated store DB 24, and the transaction DB to generate desired information in the affiliated store 3, as shown in FIG. The information generating unit 30, the merchant transaction information generating unit 32, the dairy business type sales information generating unit 34 and the regional information generating unit 36.

The customer purchase information generation unit 30 generates purchase type information for each customer based on the input customer information and transaction information, generates information on the purchase pattern of the customers, lists them, creates a report, and stores merchant information. The generation unit 32 creates a credit transaction trend report and a merchant credit sales report of the merchant based on the merchant information and the transaction information input. In addition, based on the merchant information and transaction information inputted by the business type sales information generation unit 34 generates a sales trend information of the industry belonging to a specific merchant belongs to create a report on this, and the regional information generation unit 36 is input Based on the merchant information and transaction information, regional sales status report and regional prospective report are prepared.

The purchase type information of the customer includes the purchase contents of each customer. Therefore, the affiliated store 3 can grasp the purchasing tendency of the customer on the basis of the purchase contents of the customer, and eventually provide a new service to the customer. For example, if it is determined by the purchase type information that a customer purchases a lot of products related to a car, the affiliated store (3) that handles a car product provides various information about the car to the corresponding customer, and at the same time, supplies Providing propaganda for the company will provide a quality service to the customer and facilitate the sale of its products. In particular, since the date of each purchase is recorded in the purchase type information, for example, the exchange date of the engine oil is grasped based on the date when the customer purchased the engine oil, and the exchange date is provided to the customer, and Providing information about can provide quality services to our customers and promote sales.

Since merchant franchise trend information and merchant credit sales information generated by the merchant transaction information generation unit 32 include weekly, monthly and yearly transaction details and statistics of the affiliate store, the merchant (3) has its own sales trend and The sales performance can be efficiently understood.

In addition, since the business type sales information generation unit 34 generates information on the sales trends of other affiliates 3 of the type of business to which a specific affiliate 3 belongs, that is, a competitor, the affiliated store 34 has its own. By comparing the sales status with those of competitors, we can evaluate the current sales performance of the company and evaluate the sales performance of the company in a specific product or region, thus establishing an efficient management strategy.

The regional information generation unit 36 provides information on sales status for each region and potential customers in each region based on the sales status. Therefore, affiliated stores located in the region can establish a sales strategy based on the sales trend of the region. In addition, the regional sales information includes regional sales status information for a specific product. Therefore, in the affiliated store that sells a particular product, it is possible to increase sales more by strengthening the sales of the region where the corresponding product is sold the most and analyzing the customers in the region.

Hereinafter, a method of managing a customer in the customer management system having the above structure will be described.

4 is a flowchart illustrating a method of providing corresponding information when the affiliated store 3 requests information about a customer. As shown in the drawing, when the affiliated store 3 requests the provision of specific customer information to the customer management server 5 (S101), the affiliated store 3 checks whether the corresponding customer is a registered customer and then checks the corresponding customer. The name and resident registration number or credit card number of the customer used in the credit settlement is transmitted to the customer management server 5 (S102, S103).

The customer management server 5 checks the customer on the basis of the input customer's name and resident registration number or credit card number (S104), and then extracts the merchant information, the corresponding customer information and the transaction information of the customer from the database (S105). . Thereafter, the customer management server 5 processes the extracted information to generate new customer information of high added value and provides it to the affiliated store 3 (S106 and S107).

As described above, the affiliated store 3 can enhance the service of the customer by using various information about the customer provided from the customer management server 5. The high value-added customer information provided to the affiliated store 3 includes purchase type information of the customer and purchase pattern information of the customer. 5 and 6 illustrate a method of processing basic customer information and transaction information stored in a database in the customer management server 5 to generate purchase type information and purchase pattern information of a customer. .

First, in order to generate the purchase type information of the customer, as shown in FIG. 5, when the customer information and the transaction information are input from the database (S201), the transaction history of a specific customer is classified by transaction item, transaction date and time, and transaction region. Classify (S202). Subsequently, a list of the transaction details of the classified customers is analyzed to analyze the purchase form of the customer, and a report is prepared by attaching specific information about the transaction of the customer (S203 and S204).

In addition, as shown in FIG. 6, when the customer information and transaction information are input from the database (S301), the customer purchase pattern information is divided into customers by a specific region, a specific education level, a specific age, a specific occupation, and an asset. By using the method shown in Figure 5 generates a purchase form of customers belonging to the category (S302, S303). Subsequently, the purchase patterns of the customers classified into each category are analyzed to generate a list, and a report is generated (S304 and S305).

7 is a flowchart illustrating a method of providing credit transaction information of a corresponding affiliate store at the request of the affiliate store. As shown in the figure, when the affiliated store (3) requests the provision of information on its credit transaction trend and transmits the affiliated store information to the customer management server (S401, S402), the customer management server (5) in the affiliated store name and affiliated store The affiliated store is identified based on the affiliated store information such as a business registration number (S403).

Subsequently, the customer management server 5 calculates the credit transaction history of the affiliate store based on the merchant information and the transaction information stored in the database and analyzes it to generate the credit transaction history by week, month and year, and at the same time, the transaction history by item. After generating the report to create a report to the merchant (3) (S404.S405).

At this time, the generated credit transaction trend of the merchant includes not only the credit history for each period or the credit transaction for each item, but also all the transaction details related to the merchant (3), such as the regional credit transactions for the merchant (3). can do.

As described above, by providing credit transaction trends to merchants (3), the merchants (3) can grasp the trend of credit sales by week, month and year, and at the same time, the sales performance of their products or sales by region. As a result, the company's performance can be easily identified, and the strengths and weaknesses of the company's sales can be identified to help establish future sales strategies.

8 is a flowchart illustrating a method of providing sales information of a dairy business type to the affiliated store when the affiliated store provides a request for information. As shown in the figure, if the merchant (3) requests sales information for the business type and transmits the merchant information to the customer management server (5) (S501, S502), the customer management server (5) stored in the database Based on the affiliate store information, the entire affiliate store is classified by type of business, and the affiliate store (3) requesting the information and affiliated stores of the business type are extracted (S503).

Next, the customer management server 5 analyzes the sales status of the extracted oil business type, generates information such as sales performance of the oil business type, transaction customer type, sales status of regional oil business type, product sales status, etc. It transmits to the affiliated store (3) (S504, S505).

Based on the sales status information of the oil business type as described above, the affiliated store (3) can grasp the current position of the company by analyzing its sales results relative to the sales status of other affiliate stores. In addition, it is possible to establish the sales strategy direction by analyzing the sales status by item and regional sales status of the dairy business.

FIG. 9 is a flowchart illustrating a method of providing region-specific information to a corresponding affiliated store when requesting information from an affiliated store. As shown in the figure, first, request information by region from the affiliated store (3) and transmits the corresponding merchant information to the customer management server (602) (S601, S602). If the information requested by the affiliated store 3 is the affiliated store sales information for each region, the customer management server 5 classifies the affiliated store for each region (S603 and S604). After that, the customer management server 5 analyzes the transaction trends, transaction items, customer information, etc. of the regional affiliated stores, generates sales status information of the affiliated stores in the corresponding region, prepares a report, and transmits it to the corresponding affiliated store 3 ( S605, S606).

If the affiliated store (3) wants a customer transaction status by region, it classifies the customer who executed the transaction by region (S607). Subsequently, after analyzing transaction trends and transaction items of customers in each region, the report is generated as a report and transmitted to the affiliated store 3 (S608 and S609).

As described above, by receiving the sales trend information and transaction item information of the regional affiliate stores from the customer management server (5), it is possible to grasp the sales tendency of each region of the affiliate store (3). The purchase tendency of local customers can be identified. Therefore, the affiliated store 3 can establish a sales strategy for potential customers in the region based on the purchasing tendency of each region customer.

As described above, in the present invention, the customer management server generates high value-added information based on the customer information, the merchant information, and the transaction information, and provides the merchant with high quality service for the customers of the merchant and the efficient management of the merchant. You can do it.

Claims (16)

In the customer management method using a credit settlement system connected to the merchant, financial institution and payment server connected to the customer management server, Transmitting merchant information, customer information, and transaction information from the affiliated store, the financial institution, and the payment settlement server to the customer management server; Requesting information provision from an affiliated store to the customer management server; Confirming information contents requested by the affiliated store on the basis of the stored information in the customer management server; Processing the stored merchant information, the customer information, and the transaction information to generate the information requested by the merchant; And Customer management method using a credit settlement system comprising the step of transmitting the generated information to the merchant. The method of claim 1, wherein the affiliated store information includes an affiliate store name, affiliate store owner information, an affiliate store address and a telephone number, an affiliate store business registration number, an affiliate store location, and an affiliate store business type. The method of claim 1, wherein the customer information includes a name, social security number, credit card number, address, and telephone number. The method of claim 1, wherein the customer information includes a customer's income level, education level, job, and family information provided to the merchant when the customer registers as a member. The method of claim 1, wherein the transaction information includes a credit card number, a transaction date, a transaction place, a transaction item, and a transaction amount of a customer who executed a transaction. The method of claim 1, wherein the information requested by the affiliated customer is purchase type information or purchase pattern information of the customer. The method of claim 6, wherein the generating of the purchase type information of the customer comprises: Confirming that the customer is based on the input customer information; Extracting corresponding customer information and transaction information from the stored information; Classifying and analyzing a transaction of the corresponding customer based on the customer information and the transaction information by transaction item, date and time, and region; And Customer management method comprising the step of creating a report of the analyzed data. The method of claim 6, wherein the generating of the purchase pattern information of the customer comprises: Extracting customer information and transaction information from the stored information; Categorizing customers by gender, age, property, occupation, region; Analyzing purchase patterns of each classified customer; Analyzing a purchase pattern by creating a transaction list for each customer's classification; And Customer management method comprising the step of creating a report of the analyzed data. The method of claim 1, wherein the information requested by the affiliated store is credit information of the affiliated store. The method of claim 9, wherein the generating of the credit information of the affiliated store comprises: Identifying a corresponding affiliated store based on affiliated store information transmitted from the affiliated store; Generating weekly, monthly, and annual credit transactions, item-specific credit transactions, item-specific credit transactions, item-specific credit transactions, and item-specific credit transactions of the affiliated stores from the stored merchant information and transaction information; And Customer management method comprising the step of creating a report of the transaction history. The method of claim 1, wherein the information requested by the merchant is sales information of the dairy business. The method of claim 11, wherein the generating of the sales information of the dairy business is Identifying a corresponding affiliated store based on affiliated store information transmitted from the affiliated store; Classifying registered merchants as a business type; Analyzing sales status of the classified business types to generate sales performance, customer type, sales status of local business types, and product sales status of the business type; And Customer management method comprising the step of creating a report on the information. The method of claim 1, wherein the information requested by the merchant is regional sales information. The method of claim 13, wherein the regional sales information includes regional affiliated store sales information and regional customer purchase information. The method of claim 14, wherein the generating of the sales information of the affiliate store for each region comprises: Identifying a corresponding affiliated store based on affiliated store information transmitted from the affiliated store; Classifying affiliated stores by region; Analyzing transaction trends, transaction items, and transaction customers of regional affiliated stores; And Customer management method, characterized in that the step consisting of the results of the analysis report. The method of claim 14, wherein the generating of the purchase information for each region comprises: Identifying a corresponding affiliated store based on affiliated store information transmitted from the affiliated store; Classifying customers by region; Identifying potential customers according to the trading tendency of the customers in each region by analyzing transaction trends and items of the customers by region; And Customer management method comprising the step of creating a report of the analyzed results.