KR20040036792A - Method for Providing Coupon by Using Mileage(Points) - Google Patents

Abstract

PURPOSE: A method for providing coupon using a mileage or a point is provided to offer coupons for the client when the client pays goods price using a wireless terminal interlinking with an IC chip storing client mileage data. CONSTITUTION: A payment terminal(105), a client, and a coupon issuing server(110) are connected on the communication network. The payment terminal(105) installs at a membership store, includes financial settlement function. The payment terminal(105) loads coupons according to the client's mileage data onto the wireless terminal(100). The wireless terminal(100) includes payment settlement function and mileage data. The payment terminal(105) checks coupon data capable of issuing, issues coupons, and sends the coupon to the wireless terminal(100).

Description

How to offer coupons using miles (or points) {Method for Providing Coupon by Using Mileage (Points)}

The present invention relates to a coupon providing method using the mileage, the client includes a smart payment (or IC card) or a financial payment function and the client chip mileage information recording the client mileage information is interlocked with the IC chip The total mileage of the client by referring to the mileage information included in the wireless terminal interworking with the smart card (or IC card) or the IC chip when the payment is made in a product or service providing store using a wireless terminal To check, and to provide a coupon (or tickets, gift certificates, discount coupons) according to the client total mileage.

Mileage has generally evolved as one of the means of sustaining customers by starting an airline's promotion program, which offers a free ticket for a certain distance when traveling on a certain plane. . In addition, similar to the above mileage, the point was also started as part of the customer service of the companies that want to keep the client connected as a steady customer during the development of the Internet.

As the mileage (or points) system is gradually activated on the Internet and gradually connected online and offline, various point (or mileage) services are started to be provided in department stores and shopping malls, and more users are trying to use them. There is a trend.

However, the majority of mileage users (or points, etc.) tend to start earning mileage at first, and when they receive certain products or services using the accumulated mileage, they do not want to earn mileage anymore. In addition, the mileage is no longer earned because the goods or services are no longer provided in the department store or shopping mall, so the countermeasures are urgently needed.

An object of the present invention to solve the above problems is a smart card (or IC card) or a financial payment function and client mileage information in which a client visiting a product or service providing store includes the financial settlement function and the client mileage information is recorded. When making a payment using a wireless terminal interworking with an IC chip including a check, the client mileage information stored in the smart card (or IC card) or a wireless terminal interworking with an IC chip is checked from the payment processing terminal. The total mileage history generated by the client is identified, and the smart card (or IC card) or IC is identified by checking the coupon (or ticket, gift certificate, discount voucher) that can be provided to the client according to the total mileage history from the payment processing terminal. Provided by wireless terminal interworking with chip , And how to record the offer (or include tickets, gift certificates, vouchers) available history caused by total mileage for the wireless terminal linked with the smart card (or IC card) or an IC chip to provide.

1 is a simple network configuration in which a payment processing terminal, a client, and a coupon issuing server are connected through a communication network according to the present invention.

2 is a simple illustrative view according to the present invention.

3 is a simple illustrative view according to the present invention.

4 is a simple illustrative view according to the present invention.

5 is a simple illustrative view according to the present invention.

6 is a simple illustrative view according to the present invention.

7 is a simple illustrative view in accordance with the present invention.

8 is a simple illustrative view according to the present invention.

9 is a simple illustrative view according to the present invention.

10 is a simple illustrative view in accordance with the present invention.

11 is a simple illustrative view in accordance with the present invention.

12 is a simple illustrative view in accordance with the present invention.

Figure 13 is a simple illustrative view in accordance with the present invention.

14 is a simple illustrative view in accordance with the present invention.

Figure 15 is a simple illustrative view in accordance with the present invention.

Figure 16 is a simple illustrative view in accordance with the present invention.

17 is a simple illustrative view according to the present invention.

18 is a simple illustrative view according to the present invention.

19 is a simple illustrative view according to the present invention.

20 is a simple illustrative view according to the present invention.

Figure 21 is a simple illustrative view in accordance with the present invention.

<Description of main parts of drawing>

100: client (smart card, wireless terminal)

105: payment processing terminal 110: coupon issuing server

The present invention relates to a coupon providing method using the mileage, the mileage information of the client is recorded, and a wireless terminal that works with a smart card (or IC card) or IC chip that can be loaded coupons, discount tickets, tickets and gift certificates, etc. And a coupon which is located in a store for providing a product or service, and which can pay by checking the mileage information in a wireless terminal interworking with the smart card (or IC card) or the IC chip and executing payment processing for the product or service provision from a client ( Or a payment processing terminal having a function of generating or extracting a discount ticket, a ticket, a gift certificate, etc.), and a coupon issuing server located on a wired / wireless communication network and connected to the payment processing terminal.

The coupon issuing server may further include a function of checking mileage information in a wireless terminal interworking with the smart card (or IC card) or IC chip, and generating or extracting a coupon payable to the client.

Further, according to the present invention, the mileage information recorded in the wireless terminal interoperating with the client's smart card (or IC card) or IC chip in the present invention is from the time the client opens the mileage to the present time (product or service providing time) The total mileage information of the present invention relates to a coupon provided according to the total mileage. In addition, the wireless terminal interworking with the smart card (or IC card) or IC chip includes a financial settlement function.

In addition, according to the present invention, the coupon provided to the wireless terminal interoperating with the smart card (or IC card) or IC chip of the client is not limited to this, it is specified that can be replaced with a general coupon, discount coupons, tickets and gift certificates, etc. I will.

In addition, according to the present invention, the coupon issuing server reveals that it is appropriate to be installed in a credit card company or VAN (Value Added Network) operators.

In addition, the present invention has the above components, and comprises the steps described below. In the present invention, various embodiments are presented according to the organic combination of the above components, and each embodiment will be described in more detail as follows.

In the case where the present invention consists of a smart card (or IC card) in which the mileage information of the client is recorded and a payment processing terminal that checks the mileage information in the smart card (or IC card) and provides an appropriate coupon, a product or service is provided. A client visiting a store makes a payment through a payment processing terminal with a smart card (or IC card) on which his / her mileage information is recorded, and the client stored in the smart card (or IC card) from the payment processing terminal. Extracting mileage information, checking coupon information payable to the client according to the mileage of the client from the payment processing terminal, and generating or extracting the confirmed coupon from the payment processing terminal to generate the client smart card (or IC card) It comprise.

In the above process, the coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server for issuing the coupon or coupon information provided by the smart card (or IC card) of the client to the payment processing terminal in advance. And storing coupons or coupon information payable according to the mileage information from the payment processing terminal in a predetermined database, and coupon information provided to the client smart card according to the mileage of the client from the payment processing terminal. And storing the information in a predetermined database by matching the personal information of the client.

The present invention also provides a smart card (or IC card) in which mileage information of a client is recorded, a payment processing terminal for extracting mileage information of the smart card (or IC card), and client mileage information extracted from the payment processing terminal. In the case of a coupon issuing server that checks and generates or extracts an appropriate coupon, a client visiting a product or service providing store makes a payment through a payment processing terminal with a smart card (or IC card) in which his / her mileage information is recorded. And extracting mileage information of the client stored in the smart card (or IC card) from the payment processing terminal, and providing mileage information of the client extracted from the payment processing terminal to the coupon issuing server. Step, the payment destination from the coupon issuing server After checking the mileage information of the client provided by the terminal, checking the coupon information payable to the client according to the mileage, and generating or extracting the confirmed coupon from the coupon issuing server and providing it to the payment processing terminal. And providing the coupon provided from the coupon issuing server from the payment processing terminal to the client smart card (or IC card).

The present invention also provides a smart card (or IC card) in which mileage information of a client is recorded, a payment processing terminal for extracting mileage information of the smart card (or IC card), and client mileage information extracted from the payment processing terminal. In the case of a coupon issuing server that checks and generates or extracts an appropriate coupon, a client visiting a product or service providing store makes a payment through a payment processing terminal with a smart card (or IC card) in which his / her mileage information is recorded. And extracting mileage information of the client stored in the smart card (or IC card) from the payment processing terminal, and providing mileage information of the client extracted from the payment processing terminal to the coupon issuing server. Step, the payment destination from the coupon issuing server After checking the mileage information of the client provided by the terminal, confirming coupon information payable to the client according to the mileage, and generating or extracting the confirmed coupon from the coupon issuing server to generate the client smart card (or IC). Card).

The present invention also provides a smart card (or IC card) in which mileage information of a client is recorded, a payment processing terminal for extracting client personal information of the smart card (or IC card), and client personal information extracted from the payment processing terminal. In the case of consisting of a coupon issuing server for generating or extracting an appropriate coupon by checking through a predetermined database stored in advance, the mileage information of the smart card (or IC card) owning client from the coupon issuing server and the personal information of the client. Matching, storing and managing in a predetermined database, and a client visiting a product or service providing store makes a payment using a smart card (or an IC card) through a payment processing terminal; and the smart card from the payment processing terminal. The client's personal stored in the (or IC card) Extracting a beam, providing personal information of the client extracted from the payment processing terminal to the coupon issuing server, and checking personal information of the client provided by the payment processing terminal from the coupon issuing server; Extracting mileage information of the client previously stored in the predetermined database; checking coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; and the coupon issuing server Generating or extracting the identified coupon from the providing coupon to the payment processing terminal and providing the coupon provided from the coupon issuing server from the payment processing terminal to the client smart card (or IC card).

The present invention also provides a smart card (or IC card) in which mileage information of a client is recorded, a payment processing terminal for extracting client personal information of the smart card (or IC card), and client personal information extracted from the payment processing terminal. In the case of consisting of a coupon issuing server for generating or extracting an appropriate coupon by checking through a predetermined database stored in advance, the mileage information of the smart card (or IC card) owning client from the coupon issuing server and the personal information of the client. Matching, storing and managing in a predetermined database, and a client visiting a product or service providing store makes a payment using a smart card (or an IC card) through a payment processing terminal; and the smart card from the payment processing terminal. The client's personal stored in the (or IC card) Extracting a beam, providing personal information of the client extracted from the payment processing terminal to the coupon issuing server, and checking personal information of the client provided by the payment processing terminal from the coupon issuing server; Extracting mileage information of the client previously stored in the predetermined database; checking coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; and from the coupon issuing server Generating or extracting the confirmed coupon and providing the identified coupon to the client smart card (or IC card).

In addition, when the present invention consists of a wireless terminal interoperating with the IC chip storing the mileage information of the client and a payment processing terminal for confirming the mileage information in the wireless terminal interlocking with the IC chip to provide an appropriate coupon, goods or A client visiting a service providing store performs a payment through a payment processing terminal with a wireless terminal interworking with an IC chip storing mileage information of the client, and stores the wireless terminal interoperating with the IC chip from the payment processing terminal. Extracting mileage information of the client, checking coupon information payable to the client according to the mileage of the client from the payment processing terminal, and generating or extracting the confirmed coupon from the payment processing terminal to generate the IC chip Wireless terminal to work with It comprises the step of providing a.

The present invention also provides a wireless terminal interoperating with an IC chip storing mileage information of a client, a payment processing terminal for extracting mileage information of a wireless terminal interoperating with the IC chip, and client mileage information extracted from the payment processing terminal. In the case of a coupon issuing server that checks and generates or extracts an appropriate coupon, a client who visits a store providing a product or service performs a payment through a payment processing terminal with a wireless terminal linked with an IC chip that stores mileage information. And extracting mileage information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal, and providing mileage information of the client extracted from the payment processing terminal to a coupon issuing server. Step, to the coupon issuing server Checking the mileage information of the client provided by the payment processing terminal, and then checking coupon information payable to the client according to the mileage, and generating or extracting the confirmed coupon from the coupon issuing server to settle the payment. And providing the coupon provided from the coupon issuing server from the payment processing terminal to the wireless terminal interworking with the IC chip of the client.

The present invention also provides a wireless terminal interoperating with an IC chip storing mileage information of a client, a payment processing terminal for extracting mileage information of a wireless terminal interoperating with the IC chip, and client mileage information extracted from the payment processing terminal. In the case of a coupon issuing server that checks and generates or extracts an appropriate coupon, a client who visits a store providing a product or service performs a payment through a payment processing terminal with a wireless terminal linked with an IC chip that stores mileage information. And extracting mileage information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal, and providing mileage information of the client extracted from the payment processing terminal to a coupon issuing server. Step, the coupon issuing server Checking the mileage information of the client provided by the payment processing terminal, and then checking coupon information payable to the client according to the mileage, and generating or extracting the confirmed coupon from the coupon issuing server. It provides a step of providing a wireless terminal interlocking with the IC chip.

The present invention also provides a wireless terminal interworking with an IC chip storing mileage information of a client, a payment processing terminal for extracting client personal information of a wireless terminal interworking with the IC chip, and client personal information extracted from the payment processing terminal. In the case of a coupon issuing server for generating or extracting an appropriate coupon through a predetermined database stored in advance, the mileage information of the wireless terminal-owned client interworking with the IC chip from the coupon issuing server may be compared with the personal information of the client. Matching and storing and managing in a predetermined database; a client visiting a product or service providing store makes a payment through a payment processing terminal to a wireless terminal interworking with an IC chip; and from the payment processing terminal Stored in a wireless terminal interoperating with the Extracting personal information of a client, providing the extracted personal information of the client from the payment processing terminal to the coupon issuing server, and the individual of the client provided by the payment processing terminal from the coupon issuing server. After checking the information, extracting mileage information of the client previously stored in the predetermined database, checking coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; Generating or extracting the identified coupon from the coupon issuing server and providing it to the payment processing terminal and providing the coupon provided from the coupon issuing server from the payment processing terminal to a wireless terminal interworking with the IC chip of the client. Contains Than it has done.

The present invention also provides a wireless terminal interworking with an IC chip storing mileage information of a client, a payment processing terminal for extracting client personal information of a wireless terminal interworking with the IC chip, and client personal information extracted from the payment processing terminal. In the case of a coupon issuing server for generating or extracting an appropriate coupon through a predetermined database stored in advance, the mileage information of the wireless terminal-owned client interworking with the IC chip from the coupon issuing server may be compared with the personal information of the client. Matching and storing and managing in a predetermined database; a client visiting a product or service providing store makes a payment through a payment processing terminal to a wireless terminal interworking with an IC chip; and from the payment processing terminal Stored in a wireless terminal interoperating with the Extracting personal information of a client, providing the extracted personal information of the client from the payment processing terminal to the coupon issuing server, and the individual of the client provided by the payment processing terminal from the coupon issuing server. After confirming the information, extracting mileage information of the client previously stored in the predetermined database; checking coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; and And generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to a wireless terminal interworking with the IC chip of the client.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

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

1 is a simple network diagram in which a payment processing terminal 105, a client, and a coupon issuing server 110 are connected through a communication network according to the present invention.

The payment processing terminal 105 is located in a product or service providing store, and a client includes a smart payment (or IC card) 100 including a financial settlement function and mileage information recorded therein or an IC in which a financial settlement function and mileage information are recorded. When performing payment for the provision of goods or services using the wireless terminal 100 interworking with the chip, according to the present invention, the smart card (or IC card) 100 or the wireless terminal interworking with the IC chip ( 100) to mount a coupon for the client's mileage information.

In addition, the payment processing terminal 105 checks the mileage information recorded in the wireless terminal 100 interworking with the smart card (or IC card) 100 or the IC chip, and provides a coupon according to the mileage information. In some cases, the coupon may be provided in association with the coupon issuing server 110.

The client visits the product or service providing store and executes the payment for the product or service with the smart card (or IC card) 100 or the wireless terminal 100 interworking with the IC chip. (Or IC card) 100 or a corresponding coupon is provided through a wired / wireless communication network according to the mileage information recorded in the wireless terminal 100 interworking with the IC chip.

The wireless terminal 100 interworking with the client smart card (or IC card) 100 or the IC chip includes a financial settlement function and records mileage information of the client.

The coupon issuing server 110 is located on the wired / wireless communication network and is connected to the payment processing terminal 105 to interwork. In addition, the coupon issuing server 110 through the mileage information of the client recorded in the client's smart card (or IC card) 100 or the wireless terminal 100 to work with the IC chip, the coupon that can be paid to the client It further includes a function for generating or extracting.

2 is a payment processing terminal of the present invention checks the mileage information in the smart card (or IC card) 100 and the smart card (or IC card) 100 in which the mileage information of the client is recorded and provides an appropriate coupon ( 105 is a simple configuration diagram for the case of the configuration.

In the drawing, a client who visits a store providing a product or service requests a payment to a payment processing terminal 105 located in the store using a smart card (or IC card) 100 in which his mileage information is recorded (1). A payment is made through a payment processing terminal 105 (2), and the payment processing terminal 105 requests mileage information of the client stored in the smart card (or IC card) 100 (3). Client mileage information is extracted from the smart card (or IC card) 100 (4).

At this time, the payment processing terminal 105 is provided with a predetermined database that receives the coupon information available for payment in accordance with the mileage information from the coupon issuing server 110 and stored.

The payment processing terminal 105 checks the coupon information payable to the client according to the mileage of the client with reference to the database (5), generates or extracts the confirmed coupon (6) and the client smart card ( Or IC card) 100 (7).

In addition, the payment processing terminal 105 may transmit the coupon information provided to the smart card (or IC card) 100 of the client to the coupon issuing server 110 by matching the client personal information.

3 is a payment processing terminal for verifying mileage information in the smart card (or IC card) 100 and the smart card (or IC card) 100 in which the mileage information of the client is recorded; 105 is a simple flow chart for the case consisting of.

When a client visiting a store offering goods or services requests a payment for a product or service to be used by the smart card (or IC card) 100 in which the mileage information of the client is recorded (300), the product or service The payment processing terminal 105 in the providing store performs the payment processing with the smart card (or IC card) 100 (305).

At this time, the payment processing terminal 105 requests the mileage information of the client recorded in the smart card (or IC card) 100 to the smart card (or IC card) 100 (310), Mileage information of the client is extracted from the smart card (or IC card) 100 (315).

The payment processing terminal 105 checks the extracted mileage information (320) and checks the coupon (information) payable to the client (325). In order to confirm the coupon (information), the payment processing terminal 105 receives a coupon (information) that can be paid according to the mileage from the coupon issuing server 110 and stores it in a database.

If payment is possible according to the mileage of the client (330), the payment processing terminal 105 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client (335). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (340), the message will not be provided coupon output (345).

Therefore, if the client that outputs the coupon cannot be provided message continues to charge the mileage 350, the above process is repeated. However, if the client no longer charges the mileage (355), the process ends.

When the payment processing terminal 105 generates or extracts the coupon to be provided to the smart card (or IC card) 100 of the client, the payment processing terminal 105 is the client smart card ( Or IC card) 100 to provide (360).

When the coupon is provided to the client's smart card (or IC card) 100, the payment processing terminal 105 matches the coupon information provided to the client's smart card (or IC card) 100 with the client personal information. The data is stored in a predetermined database (365). In addition, the coupon information provided to the smart card (or IC card) 100 of the client is matched with the client personal information and provided to the coupon issuing server 110 (370).

4 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting mileage information of the smart card (or IC card) 100, and the It is a simple configuration diagram for the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

In the drawing, a client who visits a store providing a product or service requests a payment to a payment processing terminal 105 located in the store using a smart card (or IC card) 100 in which his mileage information is recorded (1). A payment is made through a payment processing terminal 105 (2), and the payment processing terminal 105 requests mileage information of the client stored in the smart card (or IC card) 100 (3). Client mileage information is extracted from the smart card (or IC card) 100 (4).

The payment processing terminal 105 provides the mileage information extracted from the smart card (or IC card) 100 of the client to the coupon issuing server 110 (5), the coupon issuing server 110 to the mileage information A database for coupon information that can be paid accordingly is provided.

The coupon issuing server 110 checks the coupon information payable to the client with reference to the database (6), and generates or extracts the confirmed coupon (7). In addition, the coupon issuing server 110 provides the confirmed coupon to the payment processing terminal 105 (8), the payment processing terminal 105 provides the coupon provided from the coupon issuing server 110 of the client Provided to the smart card (or IC card) 100 (9).

In addition, the coupon issuing server 110 to match the provided coupon information with the personal information of the client to store in the database.

5 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting mileage information of the smart card (or IC card) 100, and the above. It is a simple flowchart of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

When a client visiting a store offering goods or services requests a payment for a product or service to be used by a smart card (or IC card) 100 in which the mileage information of the client is recorded (500), the product or service The payment processing terminal 105 in the providing store performs payment processing with the smart card (or IC card) 100 (505).

At this time, the payment processing terminal 105 requests the mileage information of the client recorded in the smart card (or IC card) 100 to the smart card (or IC card) 100 (510), and Mileage information of the client is extracted from the smart card (or IC card) 100 (515).

The payment processing terminal 105 provides the client mileage information extracted from the smart card (or IC card) 100 of the client to the coupon issuing server 110 (520), the coupon issuing server 110 is By checking the client mileage information received from the payment processing terminal 105 (525), the coupon that can be paid to the smart card (or IC card) 100 of the client is confirmed (530).

The coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid to the client's .smart card (or IC card) 100.

If coupon payment is possible according to the mileage of the client (535), the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client (540). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (545), the message will not be provided coupon output (550).

Therefore, if the client that outputs the coupon cannot be provided message performs continuous mileage charging (555), the above process is repeated. However, if it no longer charges the client's mileage (560), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client, the coupon issuing server 110 transmits the generated or extracted coupon to a payment processing terminal ( 105) (565).

The payment processing terminal 105 provides the coupon provided from the coupon issuing server 110 to the client's smart card (or IC card) 100 (570), and the coupon issuing server 110 is the smart of the client. Coupon information provided by the card (or IC card) 100 is matched with the client personal information and stored in a predetermined database (575).

6 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting mileage information of the smart card (or IC card) 100, and the It is a simple configuration diagram for providing a coupon to a client through a wired communication network composed of a coupon issuing server 110 to generate or extract the appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

In the drawing, a client who visits a store providing a product or service requests a payment to a payment processing terminal 105 located in the store using a smart card (or IC card) 100 in which his mileage information is recorded (1). A payment is made through a payment processing terminal 105 (2), and the payment processing terminal 105 requests mileage information of the client stored in the smart card (or IC card) 100 (3). Client mileage information is extracted from the smart card (or IC card) 100 (4).

The payment processing terminal 105 provides the mileage information extracted from the smart card (or IC card) 100 of the client to the coupon issuing server 110 (5), the coupon issuing server 110 to the mileage information A database for coupon information that can be paid accordingly is provided.

The coupon issuing server 110 checks the coupon information payable to the client with reference to the database (6), and generates or extracts the confirmed coupon (7). The confirmed coupon is provided to the smart card (or IC card) 100 of the client through a wired communication network (8), the coupon issuing server 110 and the client personal information and the coupon information provided to the client Match it and store it in the database.

7 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting mileage information of the smart card (or IC card) 100, and the above. It is a simple flow diagram for the case of providing a coupon to the client through a wired communication network consisting of a coupon issuing server 110 to generate or extract the appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

When a client visiting a product or service store requests a payment for a product or service to be used by the smart card (or IC card) 100 in which the mileage information of the client is recorded, the client visits the product or service store. The payment processing terminal 105 performs a payment processing with the smart card (or IC card) 100 (700).

At this time, the payment processing terminal 105 requests the mileage information of the client recorded in the smart card (or IC card) 100 to the smart card (or IC card) 100 (705). Mileage information of the client is extracted from the smart card (or IC card) 100 (710).

The payment processing terminal 105 provides the client mileage information extracted from the smart card (or IC card) 100 of the client to the coupon issuing server 110 (715), the coupon issuing server 110 is By checking the client mileage information received from the payment processing terminal 105 (720), the coupon that can be paid to the smart card (or IC card) 100 of the client is confirmed (725).

The coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid to the client's .smart card (or IC card) 100.

If coupon payment is possible according to the mileage of the client (730), the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client (735). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (740), the message will not be provided coupon output (745).

Therefore, if the client that outputs the coupon offer impossible message performs continuous mileage charging (750), the above process is repeated. However, if it no longer charges the client's mileage (755), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client, the coupon issuing server 110 recognizes the connection of the client through a wired communication network. In operation 760, the generated or extracted coupon is provided to the client's PC and the like (including all terminals and kiosks capable of connecting to the Internet) (765).

The client PC provides a coupon provided from the coupon issuing server 110 to the client's smart card (or IC card) 100 through a smart card terminal (770), the coupon issuing server 110 is the client The coupon information provided to the smart card (or IC card) 100 is matched with the client personal information and stored in a predetermined database (775).

8 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting client personal information of the smart card (or IC card) 100, and It is a simple configuration diagram of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a previously stored predetermined database.

In this figure, the coupon issuing server 110 matches the client's personal information with the mileage information of the client owning the smart card (or IC card) 100 and stores and manages the mileage information in a predetermined database. The visited client makes a payment request to the payment processing terminal 105 located in the store with a smart card (or IC card) 100 in which the mileage information of the client is recorded (1), and pays through the payment processing terminal 105. (2), the payment processing terminal 105 requests the client's personal information stored in the smart card (or IC card) 100 (3), the smart card (or IC card) 100 Client personal information is extracted (4).

The payment processing terminal 105 provides the client personal information extracted from the smart card (or IC card) 100 of the client to the coupon issuing server 110 (5), the coupon issuing server 110 is After checking the personal information of the client provided by the payment processing terminal 105 (6), the mileage information of the client previously stored in the predetermined database is extracted (7).

The coupon issuing server 110 confirms coupon information payable to the client according to the extracted mileage of the client (8), generates or extracts the confirmed coupon (9) and the payment processing terminal 105 (10).

The payment processing terminal 105 provides a coupon provided from the coupon issuing server 110 to the client smart card (or IC card) 100 (11), the coupon issuing server 110 is the client The coupon information provided as is matched with the client personal information and stored.

9 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting client personal information of the smart card (or IC card) 100, and It is a simple flow chart of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a pre-stored predetermined database.

In this figure, the coupon issuing server 110 matches the mileage information of the client who owns the smart card (or IC card) 100 with the client's personal information, and stores and manages it in a predetermined database (900). Alternatively, when a client visiting a service providing store requests payment for a product to be purchased or a service to use, the smart card (or IC card) 100 in which the mileage information of the client is recorded, the payment in the product or service providing store. The processing terminal 105 performs payment processing with the smart card (or IC card) 100 (905).

At this time, the payment processing terminal 105 requests the personal information of the client recorded in the smart card (or IC card) 100 to the smart card (or IC card) 100 (910), The personal information of the client is extracted from the smart card (or IC card) 100 and provided to the coupon issuing server 110 (915).

The coupon issuing server 110 checks client personal information received from the payment processing terminal 105 (920), and checks the mileage information of the client previously stored in the database (925), the client from the database The mileage information is extracted (930).

The coupon issuing server 110 checks the coupons payable to the smart card (or IC card) 100 of the client according to the extracted mileage information of the client (935). In addition, the coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid by the smart card (or IC card) 100 of the client.

If coupon payment is possible according to the mileage of the client (940), the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client (945). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (950), the message will not be provided coupon output (955).

Therefore, if the client that outputs the coupon offer impossible message performs continuous mileage charging (960), the above process is repeated. However, if it no longer charges the client's mileage (965), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client, the coupon issuing server 110 sends the generated or extracted coupon to the payment processing terminal. In operation 970, the payment processing terminal 105 may provide the coupon provided from the coupon issuing server 110 to the client's smart card (or IC card) 100 (975).

When the coupon is provided to the client's smart card (or IC card) 100, the coupon issuing server 110 is the client personal information to the coupon information provided to the client's smart card (or IC card) 100 And store it in a predetermined database (980).

10 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting client personal information of the smart card (or IC card) 100, and It is composed of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a predetermined database to provide the coupon to the client through a wired communication network. It is a simple diagram.

According to this figure, the coupon issuing server 110 matches the mileage information of the client owned by the smart card (or IC card) 100 with the personal information of the client, and stores and manages the mileage information in a predetermined database, and provides goods or services. A client visiting the store makes a payment request to the payment processing terminal 105 located in the store using a smart card (or IC card) 100 in which the mileage information of the user is recorded (1). (2), the payment processing terminal 105 requests the client's personal information stored in the smart card (or IC card) 100 (3), and the smart card (or IC card). Client personal information is extracted from 100 (4).

The payment processing terminal 105 provides the client personal information extracted from the smart card (or IC card) 100 of the client to the coupon issuing server 110 (5), the coupon issuing server 110 is After checking the personal information of the client provided by the payment processing terminal 105 (6), the mileage information of the client previously stored in the predetermined database is extracted (7).

The coupon issuing server 110 confirms coupon information payable to the client according to the extracted mileage of the client (8), and generates or extracts the confirmed coupon (9). In addition, the coupon issuing server 110 provides the confirmed coupon to the smart card (or IC card) 100 of the client through a wired communication network (10), matching the provided coupon information with personal information to the database Save it.

11 shows a smart card (or IC card) 100 in which mileage information of a client is recorded, a payment processing terminal 105 for extracting client personal information of the smart card (or IC card) 100, and It is composed of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a predetermined database to provide the coupon to the client through a wired communication network. Simple flow chart.

In this figure, the coupon issuing server 110 matches the mileage information of the client who owns the smart card (or IC card) 100 with the personal information of the client, and stores and manages it in a predetermined database (1100). Alternatively, when a client visiting a service providing store requests payment for a product to be purchased or a service to use, the smart card (or IC card) 100 in which the mileage information of the client is recorded, the payment in the product or service providing store. The processing terminal 105 executes payment processing with the smart card (or IC card) 100 (1105).

At this time, the payment processing terminal 105 requests the smart card (or IC card) 100 the personal information of the client recorded on the smart card (or IC card) 100 (1110), The personal information of the client is extracted from the smart card (or IC card) 100 and provided to the coupon issuing server 110 (1115).

The coupon issuing server 110 checks the client personal information received from the payment processing terminal 105 (1120), and checks the mileage information of the client previously stored in the database (1125), the client from the database The mileage information is extracted (1130).

The coupon issuing server 110 confirms the coupon payable to the smart card (or IC card) 100 of the client according to the extracted mileage information of the client (1135). In addition, the coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid by the smart card (or IC card) 100 of the client.

If coupon payment is possible according to the mileage of the client (1140), the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client (1145). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (1150), the message will not be provided coupons (1155).

Therefore, if the client that outputs the coupon offer impossible message performs continuous mileage charging (1160), the above process is repeated. However, if it no longer charges the client's mileage (1165), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the smart card (or IC card) 100 of the client, the coupon issuing server 110 recognizes the connection of the client through a wired communication network. In operation 1175, the generated or extracted coupon is provided to the client's PC and the like (including all terminals and kiosks capable of connecting to the Internet).

The client PC provides the coupon provided from the coupon issuing server 110 to the smart card (or IC card) 100 of the client through the smart card terminal (1180), the coupon issuing server 110 is the client The coupon information provided to the smart card (or IC card) 100 is matched with the client personal information and stored in a predetermined database (1185).

12 is a payment processing terminal for verifying mileage information in a wireless terminal 100 interoperating with an IC chip storing mileage information of a client and wireless terminal 100 interoperating with the IC chip, and providing an appropriate coupon ( 105 is a simple configuration diagram for the case of the configuration.

In the drawing, a client who visits a store providing a product or service requests a payment to a payment processing terminal 105 located in the store by a wireless terminal 100 that interoperates with an IC chip on which his mileage information is recorded (1). Make a payment through the payment processing terminal 105 (2), the payment processing terminal 105 requests the mileage information of the client stored in the wireless terminal 100 to work with the IC chip (3), Client mileage information is extracted from the wireless terminal 100 interworking with the IC chip (4).

At this time, the payment processing terminal 105 is provided with a predetermined database that receives the coupon information available for payment according to the mileage information from the coupon issuing server 110 and stored.

The payment processing terminal 105 checks coupon information payable to the client according to the mileage of the client with reference to the database (5), and generates or extracts the confirmed coupon (6) and the client IC chip. Provided to the wireless terminal 100 to cooperate (7).

In addition, the payment processing terminal 105 may match the coupon information provided to the wireless terminal 100 interoperating with the IC chip of the client with the client personal information and transmit the coupon information to the coupon issuing server 110. .

13 is a payment processing terminal for verifying mileage information in a wireless terminal 100 interoperating with an IC chip storing mileage information of a client and wireless terminal 100 interoperating with the IC chip, and providing an appropriate coupon ( 105 is a simple flow chart for the case of the configuration.

When a client visiting a product or service providing store requests a payment for a product to be purchased or a service to use, the wireless terminal 100 interoperating with an IC chip in which the mileage information of the client is recorded (1300), the product or service The payment processing terminal 105 in the providing store performs the payment processing with the wireless terminal 100 interworking with the IC chip (1305).

In this case, the payment processing terminal 105 requests the mileage information of the client recorded in the wireless terminal 100 interworking with the IC chip to the wireless terminal 100 interoperating with the IC chip (1310). Mileage information of the client is extracted from the wireless terminal 100 interworking with the IC chip (1315).

The payment processing terminal 105 confirms the extracted mileage information (1320) and confirms a coupon (information) that can be paid to the client (1325). In order to confirm the coupon (information), the payment processing terminal 105 receives a coupon (information) that can be paid according to the mileage from the coupon issuing server 110 and stores it in a database.

If coupon payment is possible according to the mileage of the client (1330), the payment processing terminal 105 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client (1335). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (1340), the message will not be provided coupon output (1345).

Therefore, if the client that outputs the coupon cannot be provided message continues to charge the mileage (1350), the above process is repeated. However, if it no longer charges the client's mileage (1355), the process ends.

When the payment processing terminal 105 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client, the payment processing terminal 105 may generate the coupon from the client IC chip. Provided to the interworking wireless terminal 100 (1360).

When a coupon is provided to the wireless terminal 100 interworking with the client's IC chip, the payment processing terminal 105 matches the coupon information provided to the wireless terminal 100 interoperating with the client's IC chip with the client personal information. The data is stored in a predetermined database (1365). In addition, the coupon information provided to the wireless terminal 100 interworking with the IC chip of the client is matched with the client personal information and provided to the coupon issuing server 110 (1370).

14 shows a wireless terminal 100 interoperating with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting mileage information of a wireless terminal 100 interworking with the IC chip, and It is a simple block diagram of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

In the drawing, a client who visits a store providing a product or service requests a payment to a payment processing terminal 105 located in the store by a wireless terminal 100 that interoperates with an IC chip on which his mileage information is recorded (1). A payment is made through a payment processing terminal 105 (2), and the payment processing terminal 105 requests mileage information of the client stored in the wireless terminal 100 interoperating with the IC chip (3). Client mileage information is extracted from the wireless terminal 100 interworking with the IC chip (4).

The payment processing terminal 105 provides mileage information extracted from the wireless terminal 100 interworking with the IC chip of the client to the coupon issuing server 110 (5), the coupon issuing server 110 to the mileage information A database for coupon information that can be paid accordingly is provided.

The coupon issuing server 110 checks the coupon information payable to the client with reference to the database (6), and generates or extracts the confirmed coupon (7). The coupon issuing server 110 checks the coupon information. The coupon is provided to the payment processing terminal 105 (8), the payment processing terminal 105 to the wireless terminal 100 in conjunction with the IC chip of the client provided coupons from the coupon issuing server 110 (9).

In addition, the coupon issuing server 110 matches the personal information of the client with the coupon information provided to the wireless terminal 100 interworking with the IC chip of the client to store in the database.

15 illustrates a wireless terminal 100 interworking with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting mileage information of a wireless terminal 100 interoperating with the IC chip, and It is a simple flowchart of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

When a client visiting a product or service providing store requests a payment for a product to be purchased or a service to use, the wireless terminal 100 interoperating with an IC chip in which the mileage information of the client is recorded (1500), the product or service The payment processing terminal 105 in the providing store performs the payment processing with the wireless terminal 100 interworking with the IC chip (1505).

At this time, the payment processing terminal 105 requests the mileage information of the client recorded in the wireless terminal 100 interoperating with the IC chip to the wireless terminal 100 interoperating with the IC chip (1510). Mileage information of the client is extracted from the wireless terminal 100 interworking with the IC chip (1515).

The payment processing terminal 105 provides the client mileage information extracted from the wireless terminal 100 interworking with the IC chip of the client to the coupon issuing server 110 (1520), the coupon issuing server 110 is The client mileage information received from the payment processing terminal 105 is checked (1525), and the coupon that can be paid to the wireless terminal 100 interworking with the IC chip of the client is checked (1530).

The coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid to the wireless terminal 100 interworking with the IC chip of the client.

If coupon payment is possible according to the mileage of the client (1535), the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interoperating with the IC chip of the client (1540). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (1545), the message will not be provided (1550).

Therefore, if the client that outputs the coupon offer impossible message performs continuous mileage charging (1555), the above process is repeated. However, if it no longer charges the client's mileage (1560), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client, the coupon issuing server 110 sends the generated or extracted coupon to a payment processing terminal ( 105) (1565).

The payment processing terminal 105 provides the coupon provided from the coupon issuing server 110 to the wireless terminal 100 interoperating with the IC chip of the client (1570), and the coupon issuing server 110 is the IC of the client. The coupon information provided to the wireless terminal 100 interworking with the chip is matched with the client personal information and stored in the predetermined database (1575).

16 illustrates a wireless terminal 100 interoperating with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting mileage information of a wireless terminal 100 interworking with the IC chip, and It is a simple configuration diagram for providing a coupon to a client through a wireless communication network consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

In the drawing, a client who visits a store providing a product or service requests a payment to a payment processing terminal 105 located in the store by a wireless terminal 100 that interoperates with an IC chip on which his mileage information is recorded (1). A payment is made through a payment processing terminal 105 (2), and the payment processing terminal 105 requests mileage information of the client stored in the wireless terminal 100 interoperating with the IC chip (3). Client mileage information is extracted from the wireless terminal 100 interworking with the IC chip (4).

The payment processing terminal 105 provides mileage information extracted from the wireless terminal 100 interworking with the IC chip of the client to the coupon issuing server 110 (5), the coupon issuing server 110 to the mileage information A database for coupon information that can be paid accordingly is provided.

The coupon issuing server 110 checks the coupon information payable to the client with reference to the database (6), and generates or extracts the confirmed coupon (7). The confirmed coupon is provided to a wireless terminal 100 that interworks with the IC chip of the client through a wireless communication network (8), the coupon issuing server 110 is a wireless terminal 100 interlocking with the IC chip of the client The coupon information provided by) is matched with the client personal information and stored in the database.

17 illustrates a wireless terminal 100 interoperating with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting mileage information of a wireless terminal 100 interoperating with the IC chip, and It is a simple flow chart for the case of providing a coupon to the client through a wireless communication network consisting of a coupon issuing server 110 for generating or extracting the appropriate coupon by checking the client mileage information extracted from the payment processing terminal 105.

When a client visiting a product or service providing store requests a payment for a product to be purchased or a service to be used by the wireless terminal 100 that interoperates with an IC chip in which the mileage information of the client is recorded, the client visits the product or service providing store. The payment processing terminal 105 performs the payment processing to the wireless terminal 100 interworking with the IC chip (1700).

At this time, the payment processing terminal 105 requests the mileage information of the client recorded in the wireless terminal 100 interworking with the IC chip to the wireless terminal 100 interoperating with the IC chip (1705). Mileage information of the client is extracted from the wireless terminal 100 interworking with the IC chip (1710).

The payment processing terminal 105 provides the client mileage information extracted from the wireless terminal 100 interworking with the IC chip of the client to the coupon issuing server 110 (1715), and the coupon issuing server 110 is The client mileage information received from the payment processing terminal 105 is checked (1720), and the coupon that can be paid to the wireless terminal 100 interoperating with the IC chip of the client is checked (1725).

The coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid to the wireless terminal 100 interworking with the IC chip of the client.

If coupon payment is possible according to the client's mileage (1730), the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interoperating with the client's IC chip (1735). However, if the client's mileage information is not the level to pay the coupon, or if the client has already received the coupon through the mileage information (1740), the message will not be provided coupon output (1745).

Therefore, if the client that outputs the coupon cannot be provided message continues to charge the mileage (1750), the above process is repeated. However, if it no longer charges the client's mileage (1755), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client, the coupon issuing server 110 recognizes the connection of the client through a wireless communication network. In operation 1760, the generated or extracted coupon is provided to the wireless terminal 100 interworking with the IC chip of the client in operation 1765.

The wireless terminal 100 interworking with the IC chip of the client stores the coupon provided from the coupon issuing server 110 in the IC chip (1770), and the coupon issuing server 110 is connected to the IC chip of the client. The coupon information provided to the interworking wireless terminal 100 is matched with the client personal information and stored in a predetermined database (1775).

18 illustrates a wireless terminal 100 interoperating with an IC chip for storing mileage information of a client, a payment processing terminal 105 for extracting client personal information of the wireless terminal 100 interoperating with the IC chip, and It is a simple configuration diagram of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a previously stored predetermined database.

In this figure, the coupon issuing server 110 matches the client's personal information with the mileage information of the client owning the wireless terminal 100 linked with the IC chip, and stores and manages the mileage information in a predetermined database. The visited client makes a payment request to the payment processing terminal 105 located in the store by the wireless terminal 100 interoperating with the IC chip in which his mileage information is recorded (1), and pays through the payment processing terminal 105. (2), the payment processing terminal 105 requests the personal information of the client stored in the wireless terminal 100 interworking with the IC chip (3), the wireless terminal 100 interworking with the IC chip Client personal information is extracted (4).

The payment processing terminal 105 provides the client personal information extracted from the wireless terminal 100 interworking with the IC chip of the client to the coupon issuing server 110 (5), the coupon issuing server 110 is the After checking the personal information of the client provided by the payment processing terminal 105 (6), the mileage information of the client previously stored in the predetermined database is extracted (7).

The coupon issuing server 110 confirms coupon information payable to the client according to the extracted mileage of the client (8), generates or extracts the confirmed coupon (9) and the payment processing terminal 105 (10).

The payment processing terminal 105 provides a coupon provided from the coupon issuing server 110 to the wireless terminal 100 interworking with the client IC chip (11), the coupon issuing server 110 is the client The coupon information provided to the wireless terminal 100 interoperating with the IC chip of the client is matched and stored.

19 illustrates a wireless terminal 100 interoperating with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting client personal information of a wireless terminal 100 interoperating with the IC chip, and It is a simple flow chart of the case consisting of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a pre-stored predetermined database.

In FIG. 1, the coupon issuing server 110 matches the client's personal information with the mileage information of the client who owns the wireless terminal 100 interworking with the IC chip, and stores and manages the mileage information in the predetermined database (1900). Alternatively, when a client visiting a service providing store requests a payment for a product to be purchased or a service to use, the wireless terminal 100 interoperating with an IC chip in which the mileage information of the client is recorded, the payment in the product or service providing store The processing terminal 105 performs a payment process with the wireless terminal 100 interworking with the IC chip (1905).

At this time, the payment processing terminal 105 requests the personal information of the client recorded in the wireless terminal 100 interworking with the IC chip to the wireless terminal 100 interoperating with the IC chip (1910). The personal information of the client is extracted from the wireless terminal 100 interworking with the IC chip and provided to the coupon issuing server 110 (1915).

The coupon issuing server 110 checks the client personal information received from the payment processing terminal 105 (1920), and checks the mileage information of the client previously stored in the database (1925), the client from the database The mileage information is extracted (1930).

The coupon issuing server 110 checks the coupon which can be paid to the wireless terminal 100 interworking with the IC chip of the client according to the extracted mileage information of the client (1935). In addition, the coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid to the wireless terminal 100 interworking with the IC chip of the client.

If coupon payment is possible according to the mileage of the client (1940), the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client (1945). However, if the client's mileage information is not at a level to pay the coupon or if the client has already received the coupon through the mileage information (1950), the client cannot output the coupon offer message (1955).

Therefore, if the client that outputs the coupon offer impossible message performs continuous mileage charging (1960), the above process is repeated. However, if it no longer charges the client's mileage (1965), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client, the coupon issuing server 110 provides the generated or extracted coupon to the payment processing terminal. In operation 1970, the payment processing terminal 105 may provide the coupon provided from the coupon issuing server 110 to the wireless terminal 100 interworking with the IC chip of the client in operation 975.

When the coupon is provided to the wireless terminal 100 interlocking with the IC chip of the client, the coupon issuing server 110 is the client personal information to the coupon information provided to the wireless terminal 100 interlocking with the IC chip of the client And store it in a predetermined database (1980).

20 illustrates a wireless terminal 100 interworking with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting client personal information of a wireless terminal 100 interworking with the IC chip, and It is composed of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a predetermined database to provide the coupon to the client through a wireless communication network. A simple schematic for the case.

According to this figure, the coupon issuing server 110 matches the personal information of the client with the mileage information of the client owned by the wireless terminal 100 linked with the IC chip, and stores and manages it in a predetermined database, and provides goods or services A client visiting the store makes a payment request to the payment processing terminal 105 located in the store by the wireless terminal 100 interoperating with the IC chip in which the mileage information is recorded (1), and the payment processing terminal 105 (2) the payment processing terminal 105 requests personal information of the client stored in the wireless terminal 100 interworking with the IC chip (3), and the wireless terminal interworking with the IC chip. Client personal information is extracted from 100 (4).

The payment processing terminal 105 provides the client personal information extracted from the wireless terminal 100 interworking with the IC chip of the client to the coupon issuing server 110 (5), the coupon issuing server 110 is the After checking the personal information of the client provided by the payment processing terminal 105 (6), the mileage information of the client previously stored in the predetermined database is extracted (7).

The coupon issuing server 110 confirms coupon information payable to the client according to the extracted mileage of the client (8), and generates or extracts the confirmed coupon (9). In addition, the coupon issuing server 110 provides the confirmed coupon to the wireless terminal 100 interlocking with the IC chip of the client through a wireless communication network (10), the wireless terminal interlocking with the IC chip of the client ( Coupon information provided in 100) is matched with personal information and stored in a database. .

21 shows a wireless terminal 100 for interworking with an IC chip storing mileage information of a client, a payment processing terminal 105 for extracting client personal information of a wireless terminal 100 interoperating with the IC chip, and It is composed of a coupon issuing server 110 for generating or extracting an appropriate coupon by checking the client personal information extracted from the payment processing terminal 105 through a predetermined database to provide the coupon to the client through a wireless communication network. A simple flow chart for the case.

In this figure, the coupon issuing server 110 matches the client's personal information with the mileage information of the client that owns the wireless terminal 100 interworking with the IC chip, and stores and manages the mileage information in the predetermined database (2100). Alternatively, when a client visiting a service providing store requests a payment for a product to be purchased or a service to use, the wireless terminal 100 interoperating with an IC chip in which the mileage information of the client is recorded, the payment in the product or service providing store The processing terminal 105 performs a payment process with the wireless terminal 100 interlocking with the IC chip (2105).

At this time, the payment processing terminal 105 requests the personal information of the client recorded in the wireless terminal 100 interworking with the IC chip to the wireless terminal 100 interworking with the IC chip (2110). The personal information of the client is extracted from the wireless terminal 100 interworking with the IC chip and provided to the coupon issuing server 110 (2115).

The coupon issuing server 110 checks the client personal information received from the payment processing terminal 105 (2120), and checks the mileage information of the client previously stored in the database (2125), the client from the database Mileage information is extracted (2130).

The coupon issuing server 110 checks the coupon that can be paid to the wireless terminal 100 interworking with the IC chip of the client according to the extracted mileage information of the client (2135). In addition, the coupon issuing server 110 stores a coupon (information) that can be paid according to the mileage in a predetermined database in order to confirm the coupon that can be paid to the wireless terminal 100 interworking with the IC chip of the client.

If coupon payment is possible according to the mileage of the client (2140), the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client (2145). However, if the client's mileage information is not at a level to pay the coupon or if the client has already received the coupon through the mileage information (2150), a message for not providing a coupon is output (2155).

Therefore, if the client that outputs the coupon cannot be provided message continues to charge the mileage (2160), the above process is repeated. However, if it no longer charges the client's mileage (2165), the process ends.

When the coupon issuing server 110 generates or extracts a coupon to be provided to the wireless terminal 100 interworking with the IC chip of the client, the coupon issuing server 110 recognizes the connection of the client through a wireless communication network. In operation 2175, the generated or extracted coupon is provided to the wireless terminal 100 interworking with the IC chip of the client.

The wireless terminal 100 interworking with the IC chip of the client stores the coupon provided from the coupon issuing server 110 in the IC chip (2180), and the coupon issuing server 110 is connected to the IC chip of the client. Coupon information provided to the interworking wireless terminal 100 is matched with the client personal information and stored in a predetermined database (2185).

According to the present invention, a client uses a smart card (or IC card) having a financial settlement function and a wireless terminal interoperating with an IC chip having a financial settlement function and client mileage information recorded therein. When making a payment at a service providing store, the mileage information of the client is checked by referring to mileage information included in the wireless terminal interworking with the smart card (or IC card) or the IC chip, and the mileage information is checked. By providing the coupons (or tickets, vouchers, vouchers, etc.) accordingly, regardless of the remaining mileage (or available mileage), according to the total mileage accumulated by the client, the corresponding coupon will be provided, thereby exhausting the remaining mileage. If you do, you will no longer accumulate the mileage Let the client that has the advantage of being able to continue to increase card and redemption.

Claims (73)

Performing a payment through a payment processing terminal with a smart card (or IC card) on which a client visiting a product or service providing store records his mileage information; Extracting mileage information of the client stored in the smart card (or IC card) from the payment processing terminal; Confirming coupon information payable to the client according to the mileage of the client from the payment processing terminal; And Generating or extracting the identified coupon from the payment processing terminal and providing the confirmed coupon to the client smart card (or IC card). The mileage information of claim 1, wherein Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 1, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. The method of claim 1, Mileage further comprising the step of providing to the payment processing terminal in advance the coupon or coupon information available for payment in accordance with the mileage information from the coupon issuing server for issuing coupons or coupon information provided by the smart card (or IC card) of the client Coupon providing method using. The method of claim 4, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 1, And storing coupons or coupon information payable according to the mileage information from the payment processing terminal in a predetermined database in advance. The method of claim 1, According to the mileage of the client from the payment processing terminal coupon information provided to the client smart card (or IC card) matching the personal information of the client and storing in a predetermined database using a mileage using a mileage . The method according to claim 1 or 4, And providing coupon information provided to the coupon issuing server by matching coupon information provided to the client smart card (or IC card) with the client personal information according to the client's mileage from the payment processing terminal. Way. Performing a payment through a payment processing terminal with a smart card (or IC card) on which a client visiting a product or service providing store records his mileage information; Extracting mileage information of the client stored in the smart card (or IC card) from the payment processing terminal; Providing mileage information of the client extracted from the payment processing terminal to a coupon issuing server; Confirming mileage information of the client provided by the payment processing terminal from the coupon issuing server, and then checking coupon information payable to the client according to the mileage; Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to the payment processing terminal; And Providing a coupon provided from the coupon issuing server from the payment processing terminal to the client smart card (or IC card); Coupon providing method using a mileage. The mileage information of claim 9, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 9, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. The method of claim 9, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. 10. The method of claim 9, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 9, The coupon providing method further comprises the step of matching the coupon information provided to the client smart card (or IC card) from the coupon issuing server with the client's personal information in a predetermined database according to the mileage of the client . Performing a payment through a payment processing terminal with a smart card (or IC card) on which a client visiting a product or service providing store records their mileage information; Extracting mileage information of the client stored in the smart card (or IC card) from the payment processing terminal; Providing mileage information of the client extracted from the payment processing terminal to a coupon issuing server; Confirming mileage information of the client provided by the payment processing terminal from the coupon issuing server, and then checking coupon information payable to the client according to the mileage; And Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to the client smart card (or IC card). The method of claim 15, wherein the mileage information, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 15, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. The method of claim 15, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 15, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 15, The coupon providing method further comprises the step of matching the coupon information provided to the client smart card (or IC card) from the coupon issuing server with the client's personal information in a predetermined database according to the mileage of the client . The method of claim 15, wherein the generating or extracting the confirmed coupon from the coupon issuing server and providing the identified coupon to the client smart card (or IC card) comprises: Providing the coupon to the client PC from the coupon issuing server through a wired communication network; And Providing the coupon from the client PC through the smart card terminal to the smart card (or IC card); Coupon providing method using a mileage comprising a. Storing the mileage information of the smart card (or IC card) owning client from the coupon issuing server and matching the personal information of the client to a predetermined database; Performing a payment by a client visiting a product or service providing store through a payment processing terminal with a smart card (or an IC card); Extracting personal information of the client stored in the smart card (or IC card) from the payment processing terminal; Providing the extracted personal information of the client from the payment processing terminal to the coupon issuing server; Checking the personal information of the client provided by the payment processing terminal from the coupon issuing server, and extracting mileage information of the client previously stored in the predetermined database; Confirming coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to the payment processing terminal; And Providing a coupon provided from the coupon issuing server from the payment processing terminal to the client smart card (or IC card); Coupon providing method using a mileage. The method of claim 22, wherein the mileage information, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 22, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. The method of claim 22, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 22, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 22, The coupon providing method further comprises the step of matching the coupon information provided to the client smart card (or IC card) from the coupon issuing server with the client's personal information in a predetermined database according to the mileage of the client . Storing the mileage information of the smart card (or IC card) owning client from the coupon issuing server and matching the personal information of the client to a predetermined database; Performing a payment by a client visiting a product or service providing store through a payment processing terminal with a smart card (or an IC card); Extracting personal information of the client stored in the smart card (or IC card) from the payment processing terminal; Providing the extracted personal information of the client from the payment processing terminal to the coupon issuing server; Checking the personal information of the client provided by the payment processing terminal from the coupon issuing server, and extracting mileage information of the client previously stored in the predetermined database; Confirming coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; And Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to the client smart card (or IC card). The method of claim 28, wherein the mileage information, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 28, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. The method of claim 28, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 28, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 28, The coupon providing method further comprises the step of matching the coupon information provided to the client smart card (or IC card) from the coupon issuing server with the client's personal information in a predetermined database according to the mileage of the client . 29. The method of claim 28, wherein generating or extracting the confirmed coupon from the coupon issuing server and providing the identified coupon to the client smart card (or IC card), Providing the coupon to the client PC from the coupon issuing server through a wired communication network; And Providing the coupon from the client PC to the smart card (or IC card) via a smart card terminal; Coupon providing method using a mileage comprising a. Performing a payment through a payment processing terminal to a wireless terminal interworking with an IC chip that stores a mileage information of a client visiting a product or service providing store; Extracting mileage information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal; Confirming coupon information payable to the client according to the mileage of the client from the payment processing terminal; And Generating or extracting the identified coupon from the payment processing terminal and providing the identified coupon to a wireless terminal interworking with the IC chip. The mileage information of claim 35, wherein Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 35, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. 36. The wireless terminal of claim 35, wherein the wireless terminal interoperates with the IC chip. Coupon providing method using the mileage, characterized in that the financial settlement is made using the IC chip. The method of claim 35, wherein Mileage further comprising the step of providing to the payment processing terminal the coupon or coupon information available in accordance with the mileage information from the coupon issuing server for issuing the coupon or coupon information provided to the wireless terminal linked to the IC chip of the client in advance. Coupon providing method using. The method of claim 39, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 35, wherein And storing coupons or coupon information payable according to the mileage information from the payment processing terminal in a predetermined database in advance. The method of claim 35, wherein According to the mileage of the client from the payment processing terminal to provide the coupon information to the wireless terminal interlocking with the IC chip of the client matching the personal information of the client and store in a predetermined database providing a coupon using the mileage Way. The method of claim 35 or 39, Coupons using the mileage further comprises matching the coupon information provided to the wireless terminal interlocked with the IC chip of the client according to the mileage of the client from the payment processing terminal and the personal information of the client to the coupon issuing server How to Provide. Performing a payment through a payment processing terminal to a wireless terminal interworking with an IC chip that stores a mileage information of a client visiting a product or service providing store; Extracting mileage information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal; Providing mileage information of the client extracted from the payment processing terminal to a coupon issuing server; Confirming mileage information of the client provided by the payment processing terminal from the coupon issuing server, and then checking coupon information payable to the client according to the mileage; Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to the payment processing terminal; And Providing a coupon provided from the coupon issuing server from the payment processing terminal to a wireless terminal interworking with the IC chip of the client; Coupon providing method using a mileage. The method of claim 44, wherein the mileage information, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 44, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. 45. The wireless terminal of claim 44, wherein the wireless terminal interoperates with the IC chip. Coupon providing method using the mileage, characterized in that the financial settlement is made using the IC chip. The method of claim 44, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 44, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 44, According to the mileage of the client from the coupon issuing server provides a coupon using the mileage matching the coupon information provided to the wireless terminal interlocking with the client's IC chip and storing in a predetermined database Way. Performing a payment through a payment processing terminal to a wireless terminal interworking with an IC chip that stores a mileage information of a client visiting a product or service providing store; Extracting mileage information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal; Providing mileage information of the client extracted from the payment processing terminal to a coupon issuing server; Confirming mileage information of the client provided by the payment processing terminal from the coupon issuing server, and then checking coupon information payable to the client according to the mileage; And Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to a wireless terminal interworking with the IC chip of the client. The mileage information of claim 51, wherein Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 51, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. 52. The wireless terminal of claim 51, wherein the wireless terminal is interlocked with the IC chip. Coupon providing method using the mileage, characterized in that the financial settlement is made using the IC chip. The method of claim 51, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 51, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 51, According to the mileage of the client from the coupon issuing server, the coupon information provided to the wireless terminal interworking with the IC chip of the client matching the personal information of the client and storing in a predetermined database providing a coupon using the mileage Way. 53. The method of claim 51, wherein generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to a wireless terminal interworking with the IC chip of the client, Providing the coupon from the coupon issuing server to the client wireless terminal via a wireless communication network; And And storing the coupon in the IC chip from the client wireless terminal. Storing and managing mileage information of the wireless terminal-owned client interworking with the IC chip from the coupon issuing server in a predetermined database by matching the personal information of the client; Performing a payment through a payment processing terminal to a wireless terminal interworking with an IC chip by a client visiting a product or service providing store; Extracting personal information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal; Providing the extracted personal information of the client from the payment processing terminal to the coupon issuing server; Checking the personal information of the client provided by the payment processing terminal from the coupon issuing server, and extracting mileage information of the client previously stored in the predetermined database; Confirming coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to the payment processing terminal; And Providing a coupon provided from the coupon issuing server from the payment processing terminal to a wireless terminal interworking with the IC chip of the client; Coupon providing method using a mileage. 60. The method of claim 59, wherein the mileage information, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. The method of claim 59, wherein the coupon, Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. 60. The wireless terminal of claim 59, wherein the wireless terminal interlocked with the IC chip Coupon providing method using the mileage, characterized in that the financial settlement is made using the IC chip. 60. The method of claim 59, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 59, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 59, According to the mileage of the client from the coupon issuing server, the coupon information provided to the wireless terminal interworking with the IC chip of the client matching the personal information of the client and storing in a predetermined database providing a coupon using the mileage Way. Storing and managing mileage information of the wireless terminal-owned client interworking with the IC chip from the coupon issuing server in a predetermined database by matching the personal information of the client; Performing a payment through a payment processing terminal to a wireless terminal interworking with an IC chip by a client visiting a product or service providing store; Extracting personal information of the client stored in a wireless terminal interworking with the IC chip from the payment processing terminal; Providing the extracted personal information of the client from the payment processing terminal to the coupon issuing server; Checking the personal information of the client provided by the payment processing terminal from the coupon issuing server, and extracting mileage information of the client previously stored in the predetermined database; Confirming coupon information payable to the client according to the extracted mileage of the client from the coupon issuing server; And Generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to a wireless terminal interworking with the IC chip of the client. The method of claim 66, wherein the mileage information, Coupon providing method using the mileage characterized in that the total mileage information from the mileage establishment of the client to the present. 67. The method of claim 66, wherein the coupon is Coupon providing method using the mileage, characterized in that comprises a general coupon, discount coupons, tickets, gift certificates. 67. The wireless terminal of claim 66, wherein the wireless terminal interoperating with the IC chip Coupon providing method using the mileage, characterized in that the financial settlement is made using the IC chip. 67. The method of claim 66, wherein the coupon issuing server, Coupon providing method using the mileage, characterized in that installed in the credit card company or van (VAN) operators. The method of claim 66, Coupon providing method using the mileage further comprises the step of storing in advance a coupon or coupon information that can be paid in accordance with the mileage information from the coupon issuing server in a predetermined database. The method of claim 66, According to the mileage of the client from the coupon issuing server, the coupon information provided to the wireless terminal interworking with the IC chip of the client matching the personal information of the client and storing in a predetermined database providing a coupon using the mileage Way. 67. The method of claim 66, wherein generating or extracting the identified coupon from the coupon issuing server and providing the identified coupon to a wireless terminal interworking with the IC chip of the client, Providing the coupon from the coupon issuing server to the client wireless terminal via a wireless communication network; And And storing the coupon in the IC chip from the client wireless terminal.