KR20070098237A - Method and system for the loyalty service based on the sales item by a back-end processing - Google Patents

Abstract

A method and a system for providing a loyalty service of each sale item by a back-end processing mode are provided to accumulate or use mileage/point, a discount coupon, and a gift certificate corresponding to each card number by each sale item automatically, and manage various royalty information integrally by integrally analyzing sale results including card approval results and sale details periodically received from a credit card member shop server. A credit card member shop server(200) stores/manages the sale results including the card approval results and the sale results of a credit card member shop. A credit card company server(300) processes a card approval in the network by connecting to an external device and computer including the credit card member shop server, and aggregates/calculates card payment of the credit card member shop through a procedure for billing a card payment price to a card member and buying a card sale slip. A royalty server(400) provides the royalty service corresponding to each sale item to each card number in the back-end processing mode by periodically receiving the sale result from the credit card member shop server.

Description

Loyalty service method and system for each item sold by post-processing method {Method and System for the Loyalty Service based on the Sales Item by a Back-End Processing}

1 is a simple diagram of a loyalty service system for each item sold by a post processing method.

2 is a simple flowchart of a process of providing a royalty-based service for each item sold by a post processing method.

<Description of main parts of drawing>

100: credit card 200: credit card merchant server

300: credit card company server 400: loyalty server

The present invention relates to a loyalty service method and system for each item sold by a post-processing method, and more particularly, a sale transaction result including a card approval result and sales details for a specific card number (s) in a post-processing method. According to the Loyalty Service Terms and Rules for each item sold by the credit card merchant, the credit card merchant automatically accumulates mileage / point scores or issues discount coupons in the Loyalty Server's database or stores them in the card number. If the mileage / points, discount coupons, and gift certificates that are already accumulated or registered are inquired, they can be used to automatically reduce all or part of the amount of the corresponding card transaction by using them if they meet the royalty service conditions and rules for each item of sale. Trailing treatment room It relates to a method and system services sales royalties item by.

Loyalty services offered to customers in stores or stores are marketing means to attract and retain high loyalty customers who continue to purchase their products and services, and to gain a market share of comparative advantage over competitors, or As a method, a mileage / point earning service, a discount coupon providing service, and a gift certificate issuing service are typical.

The mileage / point earning service is provided by a customer's account on a computer connected to a store's terminal device, provided through a purchase receipt or sales slip, a paper card on which mileage / point information is printed or punched, or by issuing a membership card for each customer. It is provided in the form of storing mileage / point scores. When the accumulated mileage / points reach a certain score, the customer can receive free or discounted products or services sold at the store or store.

Discount coupons are provided free of charge to customers, such as papers printed with the name, discount amount or rate, expiration date, etc. of the product or service, and the customer who presents them is sold at the corresponding store or store. Products or services to be provided may be provided at a discounted price according to the contents displayed on the discount coupon. Recently, with the widespread use of the Internet, the e-commerce market has been activated, and many websites that offer various discount coupons have been created online.

Gift voucher issuing service is sold as a voucher to customers for a fee, and is issued in the form of a paper with the face value printed on the surface or in the form of a card or electronic certificate in which the balance is managed in the account for each unique number of the voucher on the corresponding computer. Thus, the presenting customer can use the goods or services sold in the corresponding shop or store for payment according to the amount indicated on the gift certificate.

However, a customer using such a loyalty service is inconvenient to carry multiple membership cards, coupon books, and gift certificates issued in different stores or stores at all times in a wallet. It's a hassle to find the right membership card, discount coupon, or gift voucher from your belongings and present it with the right expression.

In addition, a store or a store that provides or intends to provide a customer loyalty service may issue a physical or electronic certificate such as a paper or a card on which the content of the loyalty service is printed or displayed, and provide it to the customer or issue a membership card for each customer. It is difficult to manage and store the accumulated points, discount coupons, or gift certificates, etc., and store them for a certain period if they are real. In addition, in order to computerize the loyalty service itself, it is necessary to replace or modify a payment terminal of a store or a store, to develop a corresponding application software, to build a server computer, and to pay cashiers of a store checkout counter. There is a problem in that a large cost and time should be consumed because the terminal operation method needs to be retrained.

Therefore, for loyalty services of credit card merchants, issuance of physical or electronic certificates, such as paper or cards, issuance and management of membership cards for each customer, development and construction of server computers for loyalty systems, and replacement or modification of payment terminals in stores. There is no need for retraining of payment terminal operation method for cashier (s), and customer who is a card member must carry various membership cards, coupon books, and gift certificates and present them with appropriate expression at the relevant merchants. There is a need for an invention of a loyalty service method and system that automatically accumulates and uses mileage / points, discount coupons, and gift certificates by simply paying with a credit card at a merchant using a single credit card.

However, the card approval result processed by the credit card company server includes only the information such as the card number, the amount of the card transaction, the date and time of the transaction, the authorization number, the credit card merchant information, the installment contents, and the like, and does not include information on the items sold. Do not provide royalty services such as mileage / points, discount coupons, and gift certificates that are applied to each item by post processing. Therefore, it is difficult to apply this method in large retail stores such as department stores, discount stores, and home shopping that sell various items. Therefore, there is an urgent need for the invention of a royalty service method and system applied to each item by a post processing method.

Loyalty service method and system for each item sold by the post-processing method according to the present invention to solve the above problems, the credit card payment infrastructure such as credit cards, credit card merchants, credit card payment terminal, etc. are widely used and In order to use the credit card merchant's customer loyalty service as it is, the credit card merchant server receives the sales transaction results including the card approval result and the sales details at regular intervals, and analyzes them in a post-processing manner and assigns them to each card number. The purpose is to provide a loyalty service method and system for each item that can automatically collect and use mileage / points, receive and use discount coupons, and use gift vouchers for each item. It is done.

The present invention for achieving the above object is a loyalty service system for each item sold by a post-processing method, a general magnetic stripe card, smart card (ICC) equipped with an integrated circuit chip (CCC) and a mobile phone And a credit card including at least one medium on which credit card information such as an electronic certificate is recorded, and a contact and / or proximity connection device capable of reading a medium on which such credit card information is recorded. Card Authorization Terminal, Point of Sales Terminal, Kiosk, Unmanned Vending Machine, Transportation Card Terminal, Cash Dispenser, Card Payment Module in Internet Shopping Mall, By providing a payment terminal including at least one slip card payment device or the like, the cardholder can purchase a product or service using a credit card. An external device including a credit card merchant server that stores and manages a result of a sales transaction including a credit card authorization result and sales details of a credit card merchant capable of paying a purchase price, a payment terminal of the credit card merchant, and the like. A credit card company that is connected to a computer and a wired / wireless network to process card authorization requests online and to collect and settle payments for credit card merchants through credit card billing and card sales voucher procedures. It is installed inside or outside the server and the credit card merchant, and is connected to the credit card merchant server and the credit card company server through a wired / wireless network to receive a batch of sales transaction results from the credit card merchant server at regular intervals and sell them in a post processing manner. Automatically analyze transaction results Loyalty services such as mileage / points, discount coupons, and gift certificates are provided for each card number in accordance with the pre-set loyalty service conditions and rules for each item sold. Provides a royalty service system for each item sold by a post-processing method including a royalty server, which is a server computer providing various Internet information services related to royalty.

In the loyalty service system for each item sold by the post-processing method according to the present invention, the sale transaction result is a card number, credit card merchant information, card transaction amount, card transaction date, authorization number, transaction number, and installment for each transaction record. It is preferable to include the result of the card approval such as the contents and the sales details such as the sales number, the sales item number, the sales item name, the sales quantity, the sales unit price, and the total sales amount.

Further, in the loyalty service system for each item sold by the post-processing method according to the present invention, the credit card is a general finance, such as a postpaid card, a prepaid card, a gift card, a check card, and a debit card including a general financial settlement function. It is preferable to include at least one or more of a transportation card, a wired / wireless telephone card, a card type gift certificate, a mileage card, a bonus card, and a membership card that do not include a payment function.

Further, in the loyalty service system for each item sold by the post-processing method according to the present invention, the loyalty server is a loyalty account for each credit card including balances and transaction details such as mileage / points, discount coupons, and gift certificates for each card number. It is preferable to further include a database for storing and managing the information, and stores and manages the loyalty account information for each merchant, such as the contents, conditions, rules, and settlement details of the royalty services for each merchant.

In addition, in the loyalty service system for each item sold by the post-processing method according to the present invention, when the loyalty server is installed and operated by an external company that is not a credit card merchant, for the security of cardholders' personal information, Among the results of the sales transaction sent from the credit card merchant server to the royalty server, the card number is replaced by the result of encrypting with a one-way hash algorithm that cannot reproduce the original input value such as SHA-1, the international standard hash algorithm. It is desirable to. Therefore, the Loyalty account information for each credit card stored in the Loyalty Server's database is stored and processed in association with each result value encrypted with one-way hash algorithm as the primary key instead of the credit card number. desirable.

In addition, the present invention is a loyalty service method for each item sold by a post-processing method, comprising: (1) a card member purchasing a product or service at a credit card merchant and paying the price with a credit card; Approving the card transaction online and notifying the credit card merchant server, and (3) the credit card merchant server collecting the sales transaction results for the specific card number (s) requested from the royalty server at a predetermined time interval. And (4) the loyalty server automatically analyzes the sales transaction results in a batch, and stores each card number in its own database or corresponding credit card merchant server according to the pre-set loyalty service terms and rules for each sale item. Earn Miles / Points Points or Get Discount Coupons by Connecting to Wired and Wireless Networks Issuing and storing the phone or automatically reducing all or part of the amount of the card transaction by using the loyalty information already accumulated or registered for the card number, and (5) the royalty server processes the loyalty service result. Provides a loyalty service method for each item sold by a post-processing method including the step of notifying a card member using an e-mail, a text message (SMS) and the like.

In the loyalty service method for each item sold by the post-processing method, in step (3), (3-1) the card member uses his or her PC to access the loyalty server through the Internet to receive the loyalty service. Registering the loyalty account information, including the registration, or by sending a list of card numbers selected by the credit card company or credit card merchant to the loyalty server, and (3-2) the list of card numbers registered by the loyalty server to the credit card merchant Requesting transmission of a newly generated sales transaction result after transmitting and receiving a previous sales transaction result to the server; and (3-3) the previous sales transaction result for the given card number (s) by the credit card merchant server. The method may further include extracting a sales transaction result generated after the transmission and transmitting the result to the royalty server.

  Further, in the loyalty service method for each item sold by the post-processing method, in the step (3-1), when the card member registers his or her card number by accessing the loyalty server through the Internet, the loyalty server stores the credit card affiliated store. When installed and operated by a third party other than the third party, a program such as an ActiveX control is automatically downloaded and installed on the member's PC connected from the royalty server, and the card number entered by the card member is encrypted using a one-way hash algorithm. It is preferable to further include the step of registering the result of the encryption process by the encryption algorithm that can be decrypted only by the credit card company and credit card merchants in the card number list of the royalty server.

Further, in the loyalty service method for each item sold by the post-processing method, in the step (3-1), when the card number list selected by the credit card company or the credit card merchant is collectively transmitted to the loyalty server, the royalty card merchant When installed and operated by a third party, not a third party, the loyalty server collects the result of encrypting the card number with a one-way hash algorithm and the result of encrypting the result with an encryption algorithm that only credit card companies and credit card merchants can decrypt. It is preferable to further include the step of transmitting to register in the card number list of the royalty server.

Further, in the loyalty service method for each item sold by the post-processing method, in the step (3-2), when the loyalty server transmits the registered card number list to the credit card merchant server, the entire card number list registered in the loyalty server It is preferable to transmit only the card numbers newly added or deleted after the transmission and reception of the card number with the previous credit card merchant server, rather than transmitting all of them.

Further, in the loyalty service method for each item sold by the post-processing method, in the step (3-3), when the credit card company affiliate server extracts the sales transaction result for the given card number and sends it to the loyalty server, the loyalty server sends the credit card to the loyalty server. (3-3-1) The credit card company's merchant server decrypts the encrypted card number list received from the royalty server with a private key. Obtaining an original card number, (3-3-2) extracting a sales transaction result generated within a predetermined period of time for a corresponding card number from a credit card merchant server, and (3-3-3) a credit card; The merchant server encrypts the card number included in the sales transaction result with a one-way hash algorithm before sending the extracted sales transaction result to the royalty server. It is preferred to further comprise a step.

In addition, in the royalties service method for each sales item for a credit card member by a post-processing method, in the step (4), (4-1) to query the royalties service conditions and rules for each sale item in the royalty account information of the corresponding merchant (4-1) Step 4, (4-2) query the loyalty account information for each credit card for the corresponding card number, the mileage / points, discount coupons, and gift certificates, etc. already accumulated or registered in its own database or the corresponding credit card merchant server Inquiring through the wired / wireless network to the website and finding royalty information that satisfies the terms and conditions of the royalties for each item to which the card transaction amount reduction is applied (4-3-1), applicable mileage / points, discount coupons, Or gift vouchers, etc. from their own database or through a wired or wireless network to the appropriate credit card merchant server. Automatically reducing all or part of the card transaction amount by accessing and using the card, and if the card transaction amount reduction is not applied, (4-3-2) It is preferable to further include the step of storing the mileage / point score for each merchant for the credit card number in its own database or the corresponding credit card merchant server through a wired or wireless network or by issuing a discount coupon.

Further, in the loyalty service method for each item sold by the post-processing method, in the step (4-3-1), when the loyalty server automatically reduces all or part of the card transaction amount by using the loyalty information, ( 4-3-1-1) Deduct the mileage / point score or gift voucher balance corresponding to the reduction of the card transaction amount from its database or by accessing the corresponding credit card merchant server through the wired / wireless network or by using the coupon. (4-3-1-2) transmitting the result of the loyalty service processing which adds information such as the amount of exemption and the reason for the reduction to the credit card result to the credit card company server, and (4-3-1-2). -3) the credit card company server inquiring the result of the card authorization using the authorization number and the date and time of the transaction of the card included in the result of the loyalty service processing received, and (4-3-1- 4) Subtract the amount of the card transaction for the result of the card authorization by the amount of the deduction received, and then deduct the amount of the card charge for the corresponding card member and the amount of the card payment for the credit card merchant, and enter the reason for the deduction. It is preferable to further include.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description specific specific matters are shown to describe preferred embodiments of the present invention, which are provided to aid a more general understanding of the present invention, and the present invention may be practiced without these specific matters. It will be obvious to those of ordinary skill in the field. In the following description of the present invention, if 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.

1 is a simple diagram of a loyalty service system for each item sold by a post-processing method according to an exemplary embodiment of the present invention.

The credit card 100 is a medium on which credit card information such as a general magnetic stripe card, an ICC-equipped smart card and a mobile phone, and an electronic certificate is recorded, and is issued by a financial institution such as a credit card company and a bank. Post-pay cards, prepaid cards, gift cards, check cards, and debit cards that include features, such as transportation cards, wired and wireless phone cards, and cards that do not include common financial settlement features but can be used to make some payments at the issuer and certain affiliates. Includes gift cards, mileage cards, bonus cards, and membership cards. Among the credit cards, media such as smart cards and mobile phones equipped with ICC include infrared communication interface, Bluetooth communication interface, Wi-Fi communication interface, WLAN communication interface, and RF (Radio Frequency) communication. In the case of supporting one or more of a short range wireless communication method such as an interface and a near field communication (NFC) communication interface, information necessary for payment can be transmitted and received with a payment terminal having a proximity device supporting the same. .

The credit card merchant server 200 establishes a merchant contract with an issuer such as a financial institution that issued the credit card and first processes the payment with the credit card presented by the customer, and the store or store post-settles the payment with the issuer of the credit card. It is a central computer for storing and managing sales transaction results including card approval results and sales details for credit card merchants. Shops and stores of the corresponding credit card merchants have credit card inquiries, POS terminals, kiosks, unmanned vending machines, and transit card terminals equipped with contact and / or proximity devices capable of reading such credit card media. , A cash dispenser, a card payment module when the merchant is an internet shopping mall, and a payment terminal such as a non-slip card payment device when the merchant is a mail order vendor.

The credit card company server 300 is connected to an external device and a computer, such as a payment terminal of the credit card merchant, by a wired or wireless network, and promptly processes online a card transaction generated at each credit card merchant. Although not shown in the drawing, the credit card company server 300 is connected to a network with a Value Added Network (VAN) provider in order to relay a transaction for a general credit card, and the VAN service provider corresponds to the corresponding credit card merchant (s). ) Is connected to the payment terminal and communication network. Some large franchisees connect directly to the credit card company's servers without a VAN operator's relay service. In addition, the credit card company server 300, by using the card authorization results including the card number, merchant information, card transaction amount, card transaction date and time, authorization number, transaction number, and installment information for each transaction record, Through the billing process and the purchase process of card sales slips for credit card merchants, the payment and settlement of card payments are executed. Most credit card companies use large computers for financial business processing for such a large amount of financial business.

The loyalty server 400 is installed and operated inside or outside a credit card merchant, and has a loyalty account for each credit card that includes balances and transaction details such as mileage / points, discount coupons, and gift certificates for each card number in its own database. Stores and manages the information and terms and conditions of the loyalty service by merchants, including the contents, conditions, rules, and settlement details of the loyalty services by each merchant's sales items.It is not shown in the drawings, but is connected to the Internet. It is a server computer that provides various Internet information services related to royalty through file transfer. The loyalty server 400 is connected to the credit card merchant server 200 through a wired or wireless network, so that the sales transaction results are collectively transmitted at regular intervals such as once a day the next day, automatically analyzed by a post-processing method, and set in advance. Loyalty services, such as mileage / points, discount coupons, and gift certificates, will be provided for each card number in accordance with the Loyalty Service Terms and Rules for each item.

When the royalty server 400 is installed and operated by a third party that is not a credit card affiliated store, when the sales transaction results are collectively transmitted from the credit card merchant server 200 at regular intervals, the card from the sold transaction results is transmitted. The number is replaced by the result of encryption by a one-way hash algorithm that cannot reproduce the original input value, such as SHA-1, the international standard hash algorithm, to keep the cardholder's personal information secure. Therefore, in this case, the loyalty account information for each credit card stored in the database of the loyalty server 400 is stored and processed in association with the primary key based on each result value encrypted by the one-way hash algorithm as described above, instead of the card number. .

2 is a simple flowchart illustrating a process of providing a royalty item-specific service by a post-processing method according to an exemplary embodiment of the present invention.

A cardholder purchases goods or services from a credit card merchant and presents a credit card at a payment terminal using a medium containing credit card information such as a magnetic stripe card, a smart card with an ICC or a mobile phone, or an internet shopping mall or a telecommunication company. In the case of entering the credit card information and paying with the credit card (S100), the authorization request for the card transaction is transmitted to the corresponding credit card company server via the VAN operator's network and the card transaction is approved online ( S110). The credit card merchant server is notified of the card approval result from the credit card company server, while collecting the sales transaction results generated within a certain period for the specific card number (s) requested from the royalty server (S120), such as once a day for the next day. The batch transmission to the loyalty server at intervals (S130).

In the above, the loyalty server needs to register the loyalty account information including the card number in advance in order to construct a list of card numbers for requesting the transmission of the sales transaction result to the credit card merchant server. In this case, if the royalty server is installed and operated by a third party that is not a credit card merchant, the card member accesses the royalty server through the Internet using a PC or the like to receive the royalty service. The ActiveX control program is automatically downloaded and installed, and when the cardholder enters his or her card number along with his loyalty account information, only the card number encrypted by the one-way hash algorithm, and the credit card company and credit card merchant can decrypt it. The card number encrypted by the encryption algorithm can be registered in the card number list of the royalty server. In order to ensure that only the credit card company and the credit card merchant can decrypt the encrypted contents, an algorithm such as RSA, which is an asymmetric encryption algorithm with different encryption keys and decryption keys, is used as the public key and the decryption key. Is a private key to be stored by credit card companies and credit card merchants. According to a certain time period, the loyalty server distinguishes only newly added or deleted card numbers from the list of registered card numbers and transmits them to the credit card merchant server. Request transmission of the transaction result (S120). The credit card merchant server decrypts the encrypted card number list received from the royalty server with a secret key to obtain the original card number, extracts the result of the sales transaction occurring within a certain period for the corresponding card number, and extracts the extracted sale. Among the transaction results, the card number transmits the sales transaction result encrypted by the one-way hash algorithm to the royalty server (S130).

The loyalty server automatically analyzes the transaction records included in the sales transaction results one by one (S140), and inquires the royalties service conditions and rules for each item of sale from the loyalty account information of the corresponding merchant (S150), and the corresponding card number Loyalty account information for each credit card is inquired, and mileage / points, discount coupons, and gift certificates, etc., which are already accumulated or registered, are accessed from their database or connected to a corresponding credit card merchant server through a wired or wireless network (S160). If Loyalty information is found that meets the Loyalty Terms and Conditions for each item subject to the reduction in the card transaction amount, the mileage / point score or gift voucher balance corresponding to the reduction in the card transaction amount shall be transferred to its own database or to the corresponding credit card merchant server. Through a wired or wireless network By deducting or using a coupon, the amount of reduction is determined (S170), and the loyalty service processing result of adding information such as the amount of reduction and the reason for reduction to the card approval result is transmitted to the credit card company server (S180), and the credit card company server Retrieves the card approval result using the authorization number and the date and time of the card transaction included in the received loyalty service processing result, and deducts the amount of the card transaction of the card approval result by the amount of the reduction received. The amount of the card charge and the amount of the card payment to the credit card merchant are subtracted and the reason for the reduction is written (S190). If the card transaction amount reduction does not apply, the Loyalty Server will connect to its own database for the card number or to the corresponding Credit Card Merchant Server via wired / wireless network in accordance with the Loyalty Terms and Conditions of the respective Merchant's Loyalty Terms and Conditions. Earn points or save by issuing a discount coupon (S175).

The loyalty server notifies the card member corresponding to the loyalty service processing result by using an e-mail or a text message (S200).

Loyalty service method and system for each item sold by the post-processing method according to the present invention, the implementation of the customer loyalty service for each merchant by the same credit card payment infrastructure, such as credit cards, credit card merchants, credit card payment terminals, etc. that are widely used and widely used now Credit card merchants can issue physical or electronic certificates, such as paper or cards, issue and manage membership cards for each customer, develop and build server computers for loyalty systems, and replace payment terminals in stores for loyalty services. There is no need for modification or retraining of the payment terminal operation method for the cashier (s), and the customer who is a card member carries various membership cards, coupon books, and gift certificates one by one to the appropriate credit card merchant. Credit card without the need to present with an expression Loyalty service is applied to each item by simply paying with a credit card at the merchant using the credit card, and the accrual and use of mileage / points, discount coupons, gift certificates, etc. are automatically performed. There is this. In particular, there is an advantage in that the royalty items can be differentially applied to each sale item in large retail stores such as various department stores, discount stores, and home shopping.

Claims (13)

As a loyalty service system for each item sold by a post-processing method, A credit card including at least one or more media including credit card information such as general magnetic stripe cards, smart cards and mobile phones equipped with ICC, and electronic certificates; A credit card merchant server that stores and manages a transaction result including a card approval result and sales details of a credit card merchant that allows a card member to pay for a purchase of a product or service using the credit card as described above; It is connected to external devices and computers, such as the credit card merchant server, etc., through a wired / wireless network, so that the card authorization request can be processed online, and the card for the credit card merchant through the billing process of the card member and the purchase of the card sales slip. A credit card company server that performs the calculation and settlement of payments; It is installed inside or outside of a credit card merchant, and receives a batch of sales transaction results from a credit card merchant server at regular intervals, and provides a loyalty service for each card number, such as mileage / points, discount coupons, and gift certificates. Loyalty Server Providing Loyalty service system for each item sold by a post-processing method including a. The method of claim 1, The sales transaction result is, Card authorization results such as card number, credit card merchant information, card transaction amount, card transaction date and time, authorization number, transaction number, and installment information by transaction record, Sales details such as sales number, sales item number, sales item name, quantity sold, unit price, and sum of sales amount Loyalty service system for each item sold by a post-processing method comprising a. The method of claim 1, The credit card, Post-paid cards, prepaid cards, gift cards, check cards, and debit cards, including general financial payment functions, such as transportation cards, wired / wireless telephone cards, card-type gift certificates, mileage cards, bonus cards, and other general financial payment functions. Membership card, etc. Loyalty service system for each item sold by a post-processing method comprising at least one. The method of claim 1, The loyalty server, Store and manage loyalty account information by credit card including balances and transaction details such as mileage / points, discount coupons and gift certificates for each card number, and the contents, conditions, rules, and Database that stores and manages loyalty account information for each merchant such as settlement details Loyalty service system for each item sold by a post-processing method further comprises a. The method according to claim 1, 2 or 4, The credit card merchant server, Of the sales transaction results sent to the Loyalty server, the card number is replaced by the result of encryption by a one-way hash algorithm that cannot reproduce the original input value. The loyalty server, Storing and processing the credit card-specific royalty account information stored in the database in association with each result value encrypted by the one-way hash algorithm instead of the card number as a primary key Loyalty service system for each item sold by a post-processing method characterized in that. As a royalty service method for each item sold by a post-processing method, (1) the credit card merchant purchases goods or services and pays with a credit card; (2) the credit card company server approving the card transaction online and notifying the credit card merchant server; (3) the credit card merchant server collecting the sales transaction results for the specific card number (s) requested from the royalty server and collectively transmitting them to the royalty server at regular intervals; (4) The loyalty server automatically analyzes the sales transaction results, and connects each card number to its own database or to the corresponding credit card merchant server through a wired or wireless network according to the pre-set loyalty service conditions and rules for each sale item. Automatically reducing all or part of the card transaction amount by earning mileage / point scores, issuing and saving discount coupons, or using loyalty information already credited or registered for the card number; (5) the loyalty server notifying the card member of the loyalty service processing result by using an e-mail or a text message (SMS) Loyalty service method for each item sold by a post-processing method including a. The method of claim 6, Step (3), (3-1) The cardholder registers his / her loyalty account information, including his / her card number, to access the loyalty server via the Internet using a PC, or the card number selected by the credit card company or credit card merchant. Registering the list by submitting it to the royalty server; (3-2) the loyalty server transmitting the registered card number list to the credit card merchant server to request the transmission of the newly generated sales transaction result after the transmission and reception of the previous sales transaction result; (3-3) the credit card merchant server extracting the sales transaction result generated after the previous sales transaction result transmission to the royalty server for the given card number (s); Loyalty service method for each item sold by a post-processing method further comprising a. The method of claim 7, wherein Step (3-1), When a cardholder accesses a loyalty server via the Internet and registers his or her card number, if the loyalty server is installed and operated by a third party that is not a credit card merchant, A program such as an ActiveX control is automatically downloaded and installed on the member's PC connected from the loyalty server so that the card number entered by the cardholder can be encrypted using a one-way hash algorithm, and only the credit card company and the credit card merchant can decrypt it. Register the result of encryption by the encryption algorithm in the loyalty server on the card number list Loyalty service method for each item sold by a post-processing method further comprising a. The method of claim 7, wherein Step (3-1), When a list of card numbers selected by a credit card company or a credit card merchant is transferred to a royalty server, if the royalty server is installed and operated by a third party that is not a credit card merchant, Registering the card number in the loyalty server by registering the card number with the one-way hash algorithm and the result of encryption by the encryption algorithm that only credit card companies and credit card merchants can decrypt. Loyalty service method for each item sold by a post-processing method further comprising a. The method of claim 7, wherein Step (3-2), When the loyalty server sends a list of registered card numbers to the credit card merchant server, Rather than transmitting all the card number list registered in the loyalty server, the card processing process is characterized in that it transmits only the card number newly added or deleted after sending and receiving the card number with the previous credit card merchant server. Royalty service method for each item sold by. The method of claim 7, wherein Step (3-3), When the credit card company's merchant server extracts the sales transaction result for the given card number and sends it to the royalty server, when the royalty server is installed and operated by a third party that is not a credit card merchant, (3-3-1) a credit card company merchant server decrypting the encrypted card number list received from the royalty server with a secret key to obtain an original card number; (3-3-2) a step of extracting, by the credit card merchant server, a sales transaction result generated within a predetermined time period for the corresponding card number; (3-3-3) The credit card merchant server encrypts the card number included in the sales transaction result with a one-way hash algorithm before sending the extracted sales transaction result to the royalty server. Loyalty service method for each item sold by a post-processing method further comprising a. The method of claim 6, The step (4), (4-1) inquiring royalty service conditions and rules for each item of sale from the loyalty account information of the corresponding merchant; (4-2) By searching the loyalty account information of each credit card for the card number, the mileage / points, discount coupons, and gift certificates, etc. already accumulated or registered, can be searched in their database or on the corresponding credit card merchant server. Accessing and querying through If you find royalty information that meets our Terms and Conditions of Loyalty for each item covered by the card transaction credit reduction, (4-3-1) Automatic reduction of all or part of the amount of card transactions by using the relevant mileage / points, discount coupons, or gift certificates from its own database or by accessing the corresponding credit card merchant server through the wired or wireless network. To make sure that If no card transaction credit reduction applies, (4-3-2) In accordance with the Loyalty Service Terms and Rules for each item sold by the corresponding merchant, the merchant's mileage / point score for the credit card number is accessed through its wired / wireless network to its own database or to the corresponding credit card merchant server. Steps to save or issue a discount coupon Loyalty service method for each item sold to the credit card member by a post-processing method further comprising a. The method of claim 12, The step (4-3-1),  (4-3-1-1) Deduct the mileage / point score or gift voucher balance corresponding to the reduction of the card transaction amount from its own database or by accessing the corresponding credit card merchant server through the wired / wireless network or by using the coupon. Determining the (4-3-1-2) transmitting to the credit card company server the result of the loyalty service which adds information such as the amount of the reduction and the reason for the reduction to the credit card result; (4-3-1-3) the credit card company server inquiring the result of the card authorization using the authorization number and the date and time of the transaction of the card, which are included in the processing result of the royalty service received by the credit card company server; (4-3-1-4) The amount of the card transaction for the result of the authorization of the card is deducted by the amount of the deduction received, and the amount of the card charge for the card member and the amount of the card payment for the credit card merchant are deducted. Entering Reason for Reduction Loyalty service method for each item sold by a post-processing method further comprising a.

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