KR20060005050A - Coupon system through credit card bills - Google Patents

Abstract

The present invention relates to a system for generating a coupon on the card sales receipt issued during the credit card payment process through the VAN company, receiving the authorization request from the payment terminal to the server of the financial institution, and at the same time the server issuing agency Search for coupons according to certain conditions registered by the client or requesting merchant from the coupon issuing and merge the coupons and the full text of the approval certificate of the financial institution to print on the card sales slip (receipt), the target consumer is exposed to the coupon when using the VAN merchant Coupon issuance and advertising means system using the merchant.

Credit card, receipt, slip, coupon, ad, payment, authorization, terminal

Description

Coupon system through credit card bills (BM) {Coupon System through Credit Card Bills}

1 is a block diagram of a general credit card payment system.

2 is a configuration diagram and procedure diagram of a credit card payment system and a coupon issuing system according to the present invention.

3 is a flowchart of data through a credit card payment system and a coupon issuing system according to the present invention.

4 is a service registration procedure of the coupon issuing client for using the system of the present invention.

5 is a flowchart illustrating a service registration procedure of a coupon issuing client for using the system of the present invention.

6 is a simple flow diagram of building data warehouse information for running a system.

7 is a flowchart illustrating a process in which a consumer actually issues a coupon and is approved.

8 is an output method for a slip and a receipt for cutting the coupon space and the coupon can be carried on the card sales slip according to the present invention.

* Explanation of symbols for the main parts of the drawings

201: payment terminal

202: service subscription communication terminal

301: wired / wireless communication network

The present invention relates to a credit card payment system, and relates to a method for providing a coupon according to a condition set by a coupon issuer or a requesting merchant on a current card sales receipt.

Credit card is being used as a convenient and useful payment means, but stays in simple payment and the main object of the present invention, the coupon providing system using the payment means and the slip (receipt) through the card terminal will be the main purpose of the present invention. .

1 is a block diagram schematically showing a current credit card payment system, wherein the system includes a plurality of merchant terminals 20 and a plurality of merchant terminals 20 that perform receipt processing according to the approval request and the result. Receives the approval request from the communication network 30 and the plurality of merchant terminals 20 to enable data communication with the payment agency server 40, and transmits to the financial institution server 50 that is the approval authority of the card and receives the response It consists of a payment agent server 40 to send to the merchant terminal 20, and the financial institution server 50 to process the authorization of the transaction details of the credit card and the cost withdrawal between the merchant and the credit card holder.

In FIG. 1, in the commerce using a credit card, a user who issued a card from a financial institution carries a card issued by a user and visits a merchant, and presents a credit card to the merchant to purchase a desired item or use a service. Then, the affiliated store reads the credit card to the merchant terminal 20, connects the communication path of the payment agent server 40, and transmits the approval request message through the corresponding communication path.

The payment agent server 40 that receives this transfers the authorization request to the server 50 of the financial institution corresponding to the approval institution of the received credit card, and receives the processing result of the financial institution server 50 according to the merchant terminal. Send to (20). The affiliated store terminal 20 outputs a non-processing message according to the approval result transmitted from the payment agent server 40, and if not, and prints a receipt stamped with the approval number.

By the above system, cash payments are not made between merchants performing credit transactions and credit card holders. Instead, the credit card holders are billed to the holders at regular intervals and received by financial institutions. Purchased by a financial institution and paid to the merchant in cash from the financial institution.

Looking at the above process from the VAN merchant side, the card terminal is merely serving as a means of payment of the card of the consumer. In the case of a credit card holder (consumer), the card is a convenient payment method that can replace cash, but the card sales receipt serves as a simple receipt.

Currently, there is no system for inserting the full text of coupons and cutting off coupons in the card payment slip. Coupon issuance for the targets of coupon requesters is done only at their own merchants. There is no service that sends a coupon that serves as a target advertisement on a receipt to an approval specialist.

Therefore, the present invention outputs the coupon to the card sales receipt (slip) according to the conditions set by the client or the client to issue the coupon on the sales receipt according to the current card payment, the target consumer is exposed to the coupon when using the VAN merchant It is to provide a method of issuing coupons and advertising means using a merchant.

As a constituent means for achieving the above object of the present invention, the approval request from the plurality of affiliated terminal terminals subscribed through the payment agent server to the server of the financial institution, and the processing result to the financial institution server accordingly corresponding merchant terminal And other dictionaries and other systems required by the consumer to print receipts for card use,

Merchant payment terminal that reads the credit card to generate / transmit the authorization request message, receive the response message to output the receipt and merge the authorization and full coupon issuance;

Wired and wireless information communication means for inputting basic information and subscription information in a registration procedure and method for using the present system through respective communication channels;

A wired / wireless communication network providing respective wired / wireless communication channels to the payment terminal and the information receiving means of the affiliated store;

A payment agent server for transmitting the approval request connected to the payment terminal of the affiliated store through the wired / wireless communication network to a corresponding card company, and performing the authorization for each affiliated store;

A coupon issuing agency server for full coupon transmission to a payment agent server for approval by the affiliated store; And

A message processing unit system for processing the full coupon;

The coupon issuing client or the requesting merchant can set the conditions desired, for example, region, time zone, type of business, use number, specific merchant, weather, etc., as well as cross setting and manage such conditions and data. Coupon information management means; A mining server capable of extracting, converting, and interworking the information according to an affiliated store; And

And a data warehouse for storing / establishing a database of data related to system execution related to the coupon of the client / request merchant and information related to the merchant and processing details.

In addition, in the coupon issuance system through a credit card sales receipt (slip) according to the present invention, the payment agency server and coupon agency server includes a client information management means for managing the basic information, such as the coupon issuer or the requesting merchant;

In addition, when the approval request is received from the registered payment terminal of the selected merchant in accordance with the conditions registered by the client / request merchant, the approval information processing means for collecting the processing details for the request and database by the merchant; Characterized in that it comprises a database for storing the collected and managed merchants basic information, approval details and the like.

Hereinafter, with reference to the accompanying drawings will be described in detail an embodiment of the present invention.

Figure 2 is a block diagram showing a coupon issuance system through a credit card sales receipt (slip) of the present invention.

Referring to Figure 2, the coupon issuance system through the credit card sales receipt (slip) of the present invention after the consumer 10 purchases goods or services at the affiliated shop 20 and requests the payment to the credit card through the system In the case of a card, it is basically based on reading a credit card and generating / transmitting an authorization request message, receiving a response message, and outputting a coupon message in a receipt through a merchant terminal 201 that performs a printout of a receipt.

In this process, various types of information are transmitted using each wired / wireless communication network 30 and connected to the payment terminal 201 of the affiliated store through the wired / wireless communication network 30 to transmit the approval request to the corresponding card company. A financial institution that processes the approval request message transmitted from the payment agency server 40, gives an approval number to a normal transaction, transfers it to the payment agency server 40, and purchases a sales slip of the merchant to deposit the corresponding amount to the merchant. Server 50. In addition, a pre-registration operation must be performed to select a target of coupon issuance requested by the coupon issuer or the client store 20, and the selection of such conditions and targets is performed through the mining server 602 of the system. A series of information processing is databased in the data warehouse 603 to manage the client and requesting merchant information.

When a series of processes for the service registration of the coupon issuer or the client store 20 is completed, the consumer 10 visits the merchant 20 and purchases a product or service to output the card sales receipt through the merchant terminal 201. At the same time as the approval processing through the payment agency server 40, the search for the object and the condition is performed in the coupon agency server 60, the registration message according to the merchant registered in the message processing unit 601 in the coupon agency server 60 merchants Coupons are output at the same time as payment is approved through the terminal. The consumer 10 may receive the coupon by visiting the coupon requester or the affiliated store.

3 shows a flow diagram of the data through FIG. 2 as a data flow diagram through the system.

4 is a registration procedure diagram for using a service through the system. The affiliated store 20 may subscribe to a service through a communication terminal 202 for a service subscription, for example, a wired / wireless communication network 301 using a PCS, PDA, PC, fax, or landline telephone. It is possible to subscribe to the service through the agency 203 managing.

FIG. 5 is a flowchart of the service subscription, registers basic information (S1) of a coupon issuing client or a requesting merchant at the time of joining a service through a communication terminal 202 or an agency 203, and selects a coupon target desired by the coupon client or requesting merchant. In order to set the conditions (S2), the conditions for screening the targets include target areas, coupon output time zones, business type selection and specific merchant selection of target merchants, setting conditions according to the number of visits by the consumer (10), and weather conditions. You can select more than one setting.

After the setting, the coupon contents are set (S3), the registration request (S4) is made, and the service conditions and the like registered by the merchant are registered (S5).

6 is a flowchart illustrating a process of applying a database to a data warehouse and applying it to a mining server in order to perform a service according to a target and a condition selected by a merchant. The affiliated store acquires basic information of the registered merchant (S6) and acquires set conditions and coupon contents (S7). On the basis of the obtained information, the affiliated stores are divided and selected through the mining server (S8), the coupon issuing time is set (S9), and the information is stored in the coupon agency server (S10).

7 is a flow chart of the issue until the consumer requests the card payment approval and receives the receipt on which the coupon is output. When the consumer requests a card payment, an authorization request and a coupon issuance request (S11) are made through the merchant terminal. At this time, a branch (S12) is made according to each server condition, and an authorization request (S13) is made through the payment agency server. Coupon issuance request (S15) is made through the issuance agent server.

When the approval is made through the payment agent server, the approval text is configured (S14) and at the same time the condition search of the merchant according to the coupon issuance request (S15) is made (S16). The merged (S18) is the approval history is output (S19), if the conditions are sufficient coupon professional composition (S17) and the approval text and coupon full text of the financial institution is merged together (S18), the approval history and coupon output (S19) This is done at the same time.

8 is an example of a slip on which a coupon may be placed, information (for example, merchant name, telephone number, location, etc.) (S20) of a coupon issuing client or a requesting affiliate store and contents of the coupon (for example, a 10% discount, Amount discount, product presentation, etc.) (S21) is output and can be cut through the cut line (S22).

Accordingly, the coupon issuing client or the requesting affiliated store can effectively execute the coupon through the terminal according to various conditions for the coupon issuance and advertisement desired.

As described above, the present invention by providing a coupon to the credit card sales receipt for a predetermined credit card transaction, the target consumer is exposed to the coupon when using the merchant, it is possible to generate revenue from the merchant, the sponsor or requesting merchant side It is possible to advertise without any other cost or system to be built in, which has the effect of securing a more stable management base.

Claims (6)

In the credit card payment system that passes the approval request from the plurality of merchant terminals subscribed through the payment agent server to the server of the financial institution, and delivers the result of the processing of the financial institution server to the merchant terminal, Merchant payment terminal for generating a credit card by reading the credit card / transmission request, receiving the response message and outputting the receipt; Wired and wireless information communication means for inputting voice and text information and subscription information for use of the present system through respective communication channels; A wired / wireless communication network providing respective wired / wireless communication channels to the payment terminal and the information receiving means of the affiliated store; A payment agent server for transmitting the approval request connected to the payment terminal of the affiliated store through the wired / wireless communication network to a corresponding card company, and performing the authorization for each affiliated store; Coupon agency server for full coupon transmission to the payment agent server for approval for each merchant; And A message processing unit system for processing the full coupon; The coupon issuing client or the client requesting conditions, for example, region, time zone, business type, frequency of use, specific merchants, weather, etc., as well as one or more cross settings can be set, such conditions and data can be set Coupon information management means that can be managed; A mining server capable of extracting, converting, and linking the information according to an affiliated store; And The coupon issuance system through a credit card receipt (slip) including a data warehouse for storing and building the database and data related to the execution of the system related to the coupon of the client / request merchant, and the details of the processing. The system of claim 1, wherein the authorization and the coupon are merged in the merchant payment terminal system which outputs the sales receipt at the same time as the card approval. According to claim 1, Coupon agency server for full coupon transmission to the payment agent server for approval for each merchant; And A message processing unit system for processing the full coupon; Authorization of the merchant coupon issuance is made by the coupon agency server by the system to transmit and output the full text. The method according to claim 1, wherein the coupon issuing client or the requesting merchant registers the desired conditions and settings. Registering one or more cross-settings, such as the coupon issuing client or the requesting merchant is a desired setting, for example, region, time zone, industry, frequency of use, specific merchant, weather, etc .; A coupon information management step of managing the set data; Providing the information as information that can be extracted, converted, and interlocked according to a desired condition of the merchant. The method according to claim 1, further comprising: inputting basic information and subscription information in a registration procedure and method for use of the system via each communication channel; A method of providing a service that converts a member's service subscription and information on wired or wireless or online and selects various conditions. The method of claim 4, wherein the card sales receipt has a space for outputting the full coupon and allows the coupon to be torn off.

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