RU2287857C1 - Method of executing payments for goods and services with use of discounts - Google Patents

Abstract

FIELD: computer engineering; payments for goods and services with discounts.

SUBSTANCE: customer card identification information is entered; information is identified and information about every customer who expressed his agreement to the conditions of trade is entered into archive block of database. Customer chooses the required goods, identification information is entered into memory block of initial data array, goods cost is entered into control and data processing unit. Customer pays for the goods in cash or by credit card, the seller forms the discount value according to the frequency of purchases by this customer, total sum of purchases, range of purchased goods, time of purchase and the sum of discount is returned to the customer in any form acceptable for the customer.

EFFECT: increased effectiveness of trade and increased commodity turnover.

Description

The invention relates to computer technology and can be used to make payments using special discounts when purchasing various types of products (goods) and services.

The disadvantages of the currently existing types of discounts include the fact that, firstly, they are constant over a certain period of time, i.e. fixed, while the discount is applied when buying goods for an amount exceeding a certain amount, secondly, these discounts are tabular in nature, i.e. the amount of the discount depends on the total cost of the purchased goods and, thirdly, the discounts are variable (seasonal) in nature. Known methods of making payments for goods and services using discounts (US 5960411 A1, 09/28/2000, JP 10105829 A1, 09.24.1998, WO 97/31322 A1, 02.28.1997, US 5630068 A, 05/13/1997, RU 2172979 C1, 08/27/2001).

A device for making payments and services using an electronic card with documenting operations, including an electronic card with documenting operations, which is the "electronic wallet" of the user, an electronic card identification node with documenting operations and a fiscal memory block, RF Patent N 2103732, priority 08.06.1995 , G 06 F 17/60 // G 06 F 157: 00, publ. 01/27/98.

The disadvantages of the known device are: firstly, the relative complexity - the user (buyer) must convert their real money into virtual money, while paying a certain commission fee (an element of additional costs) from each transaction made by him. Secondly, the system does not allow the buyer to pay for each next purchase with an increasing discount from purchase to purchase and, thirdly, the complexity of the payment system itself.

The technical result consists in increasing the efficiency of trade and increasing both the turnover and the number of regular customers.

To achieve a technical result, a method for making payments for goods and services using discounts is proposed, which consists in entering data, in particular a customer’s card number to identify a customer’s card, identifying a customer’s card number and entering information about each customer who has agreed to the conditions trade, for storage in the database archiving unit, while the buyer selects the necessary goods, after which the identification data is entered into the memory block of the original mass data, then read the cost of the goods in accordance with the price tag and enter this data into the control and data processing unit, the buyer pays for the goods in cash or with a credit card, after which the seller creates a discount amount in accordance with the frequency of purchases given by the buyer, and / or the sum of final purchases, and / or the assortment of purchases, and / or the time of the purchase, and / or the sum of one-time purchases, after which the generated discount amount is returned to the buyer or to a bank account using cre itnoy card, or in the form of additional products or services, or return cash to the buyer, or make payments on behalf of the buyer.

The customer’s card can be electronic, magnetic, graphic (with the number printed, for example, stamped on it) and another type suitable for identification. Identification of a customer’s card can be carried out both in the automatic input mode of reading the customer’s card number and in manual mode by dialing a card number (using a simple graphic card with the number printed on it). A customer card identification device can be made on the basis of a microprocessor in the form of a separate unit, or be combined with a cash terminal and be a part of it. The memory block of the original data array is an additional processor or a special database processor. The database archiving unit can be performed on long-term storage media, for example, floppy disks, tape drives, removable disks, etc. The device for reading the cost of the selected product in accordance with the price tag can be made in the form of a scanning device that converts the barcode printed on the product into its value. It is usually used in combination with other types of electronic trading equipment: a cash register terminal, scales, etc. The control and data processing unit is a central processor that processes data and controls the operation of all units of the device.

The buyer, having selected the goods, identifies, independently or with the help of the cash register operator, the number of his customer card using the customer card identification device. Using the device for reading the cost of goods in accordance with the price tag, the operator determines the value of the goods selected by the buyer, and information on the total cost of the selected goods in accordance with the price tag is input to the control and data processing unit. The buyer pays the full cost of goods or services, after which the seller generates a discount amount, which depends on the time of purchase, the frequency of purchases by the buyer of the goods, the range of purchases, their total cost, both single and for a certain time, etc. After that, the discount amount is returned to the buyer in any form acceptable to him - by transfer to a bank account, cash withdrawal, etc. The advantages of the proposed method apply to both the trading business (seller) and the buyer and are as follows: the seller gets the opportunity, firstly, to increase sales, and secondly, to sharply increase the number of regular customers, in particular, due to the namelessness of the buyer’s card, which has only a number, which can be transferred for purchases to any authorized person by the cardholder, and, thirdly, to carry out a civilized suppression of competitors (similar to trade preferences enterprises), because the price on the price tag does not change and is approximately at the same level as that of competitors, i.e. competitors are not infringed on in terms of price; making payments using the "electronic wallet", in which the buyer, firstly, has the savings in his material resources due to discounts, and secondly, has a psychological advantage over other customers in this enterprise due to the effect of the increase in the amount of his discount for each subsequent purchase .

Claims (1)

The method of making payments for goods and services using discounts, which consists in the fact that they enter data, in particular the card number of the buyer, to identify the card of the buyer, identify the identification number of the card of the buyer and enter data on each buyer who has agreed to the terms of trade in the database archiving unit, while the buyer selects the necessary goods, after which the identification data is entered into the memory block of the original data array, then the value of the goods is read in accordance In accordance with the price tag and enter this data into the control and data processing unit, the buyer pays for the goods in cash or by credit card, after which the seller creates a discount amount in accordance with the frequency of purchases by the given buyer, the sum of final purchases, the assortment of purchases, and the time of the purchase , after which the discount amount is returned to the buyer in any form acceptable to him, and the discount increases with each subsequent purchase.