KR100569671B1 - Direct premium offer method of ARS event using credit card payment system - Google Patents

Abstract

The present invention is a credit card that allows a customer who finds a merchant by incorporating a premium event and a credit card payment system using the ARS to win an ARS giveaway event and receive the prize immediately in the form of discounting the amount used by the premium. The present invention relates to a method of immediately paying ARS prizes using a payment system. When a customer enters an ARS prize event using a mobile phone, the winnings are immediately transferred to the mobile phone, and when the event is won, the winning amount is used. By discounting the amount as much as possible, the cost of the event organizer's prize management and delivery is reduced, and the promotion service and the improvement of the service to the customer are promoted to generate the promotion effect and additional revenue.

Immediate payment, instant draw, credit card, payment, authorization, ARS, mobile phone, VAN server, ARS giveaway event server,

Description

Direct premium offer method of ARS event using credit card payment system}

1 is a network configuration to which the immediate payment method of ARS giveaway according to the present invention is applied.

2 is a signal flow diagram of the network system according to the instant payment method of ARS giveaway according to the present invention.

3 is a flowchart showing a method of immediately paying the ARS giveaway according to the present invention in order.

Figure 4 is a flow chart illustrating in more detail the payment processing procedure for the immediate payment of ARS giveaway according to the present invention.

5 is a diagram showing an example of the configuration of the sales slip provided to the customer by the present invention.

* Description of the symbols for the main parts of the drawings *

10: mobile phone

20: Mobile operator network

30: ARS Sweepstakes Event Server

31: winning DB

40: VAN Server

50: card company server

60: merchant terminal

The present invention provides a credit card payment system that allows customers to find a merchant by combining a premium event and a credit card payment system using ARS, and immediately receive a premium in a form of discounting the amount used by the customer when winning the ARS premium event. It relates to the immediate payment method of the used ARS giveaway.

Sweepstakes are a marketing method that is commonly used not only for online businesses but also for offline businesses. In general, prizes are selected by prize winners by lottery, or when a certain amount of money is purchased, a certain percentage of prizes are provided. .

Attempts have been made to provide more various types of services by incorporating such prize events into online systems.

For example, Korean Patent Laid-Open Publication No. 2003-0012927 provides an instant prize event management method using a mobile communication terminal, which includes a unique SMS containing information for each event content during an event through a local store or distribution store. If you issue a list of event entry numbers containing ARS receiving identification numbers, store or local store information, and other unique event information, and distribute the event entry numbers to customers at your local store or retail store, you will receive Send the event participation number assigned to a predetermined number by using, and immediately draws it from the event management server and transmits the result directly via SMS.

However, in the case of the existing prize providing method, when a customer enters and wins an ARS prize event through the above method or another method, a specific prize provided separately is received or delivered as an item, and therefore, from the event organizer's point of view, In view, space is required to store the prizes separately, there is the inconvenience that one hand and a predetermined time is consumed for the prize management, and there are inconveniences such as a shipping cost when the prizes are dispatched. In addition, the prize winner has to carry the prize provided as a prize, and even if the prize is delivered to a desired place by courier service, the prize cannot be immediately confirmed, and it takes time to receive the prize. There were inconveniences such as being.

Such a hassle can reduce the event participation rate or response, and such a low participation rate reduces the marketing effect, it is not possible to obtain the marketing effect as desired.

The present invention has been proposed in order to solve the above-mentioned conventional problems, and an object thereof is to combine a prize event using an ARS and a credit card payment system, and win prizes in the form of discounting a customer's use amount when winning an ARS prize event. Receive immediate payment of ARS giveaways using credit card payment system to reduce the cost of prize management and delivery of event organizers and improve the service to customers, thereby promoting promotions and generating additional revenue. To provide a way.

In the ARS giveaway instant payment method made by incorporating a credit card payment system comprising a plurality of merchant terminal and a VAN server in the ARS giveaway event as a constituent means for achieving the above object of the present invention,

A predetermined customer entering an ARS giveaway event through a mobile phone;

Drawing a winner among customers who have entered the server of the ARS giveaway event, and transmitting the winning result to the corresponding customer, the mobile phone and the VAN server of the affiliate associated with the ARS event event;

Receiving the winning information and the actual use amount at the merchant terminal according to the request of the winning customer;

When the winning information and the actual use amount are input, the merchant terminal subtracts the discounted amount from the used amount, displays the result as the payment approval amount, and transmits a payment approval request message to the VAN server together with the winning information. Doing;

The VAN server receiving the payment approval request message compares the received winning information with the result received from the ARS giveaway event server. If the two information do not match, the VAN server transmits a non-approval message to the merchant terminal. If it matches, transmitting the payment approval request message to the card company server and waiting for the approval result;

If the VAN server receives the result from the card company, and transmits it to the merchant terminal, if the payment is approved, storing the winnings discount details; And

The merchant terminal receives an approval result from the VAN server, if the approval is not possible, an error message is displayed, and if approved, characterized in that the step of printing and outputting the approval information and the winning information on the sales slip.

Hereinafter, with reference to the accompanying method will be described the instant payment method of the ARS giveaway according to the present invention.

1 is a block diagram showing a network configuration to which the instant payment method of ARS giveaway according to the present invention is applied.

Referring to Figure 1, the instant payment method of the ARS giveaway according to the present invention, the customer's mobile phone 10, mobile carrier network 20, ARS giveaway event server 30, VAN server 40, card company It may be performed by the server 50 and the affiliated store terminal 60.

In the above configuration, the mobile phone 10 is a customer who finds an affiliated store applies for the event and receives the application result. The mobile telecommunication service provider network 20 provides a communication path for delivering an event entry message and an entry result of the mobile phone 10. Next, the ARS giveaway event server 30 receives the event entry message from the mobile phone 10 through the mobile communication provider network 20 to confirm whether or not the winning through the correct answer or draw immediately, and the result While transmitting to the mobile phone 10, only the winning information is transmitted to the VAN server 40, and can also register the merchant's mobile phone, and transmit to the merchant's mobile phone. At this time, the winning DB 31 stores the event information and the winning information confirmed in the ARS giveaway event server 30, and provides the stored information according to the request of the ARS giveaway event server 30. Next, the VAN server 40 checks the winning information by comparing the winning information transmitted from the merchant terminal 60 with the winning information received from the ARS giveaway event server 30, if the winning fact is correct, the card According to the approval procedure, the card company server 50 requests the approval only for the amount of the discounted amount from the used amount, and transmits the result to the affiliated store terminal 60. The card company server 50 determines the credit rating and whether payment is possible according to the approval request from the VAN server 40, and provides the approval result to the VAN server 40. Finally, the affiliated store terminal 60 receives the payment information and the winning information, configures a payment approval request message, transmits it to the VAN server 40, and receives the approval result transmitted from the VAN server 40. According to the sales information containing the payment information and the winning information is output.

The ARS giveaway immediately payment method according to the present invention based on such a system, when the customer visits the affiliated store, confirms whether or not the prize by applying to the prize event on the spot, and at the amount used to provide the prize to the merchant at the time of winning It is to be paid immediately in the form of a discount.

In other words, by providing a discounted service of the amount used as a winning prize, it is possible to reduce the hassle and cost of managing or shipping the items provided as a prize, and the customer is substantially discounted by the amount of the winning prize from the use amount, Participation and response can be increased.

When a customer who wins a prize event pays with a credit card, the merchant transmits the payment information and the winning information to the VAN server 40 through the merchant terminal 60, and the VAN server 40 receives the ARS prize event server ( If the winning fact is confirmed by comparing the winning information received from 30 and the winning information received from the merchant terminal 60, the request is granted to the card company server 50 for the discounted amount from the used amount and the card company server ( By transmitting the approval result received from 50) to the merchant terminal 60, the customer can receive a discount on the amount used, and the merchant can use the existing card approval procedure without complicated processing to provide a prize and settle the amount used. Can be processed.

In addition, it is also applicable in the case of cash payment, at this time, the merchant terminal 60 transmits the winning information to the VAN server 40, the VAN server 40 confirms the winning, and approves the giveaway.

In this way, when the customer enters the merchant code at the event entry, the ARS prize event server at the time of winning the VAN server 40 is provided with the correct settlement information for the payment amount payment information, so in the event An objective settlement will be possible for the winnings given as prizes.

The organizer of the event may be not only a merchant, but also a VAN company or a card company, and in the case of a merchant, the winning amount is borne by the merchant, and in the case of a VAN company or a card company, based on settlement information stored in the VAN server 40, Merchants may receive back the winning amount provided as a prize of the event. As described above, the prize providing method according to the present invention may be used as a prize money discount service is stored in the VAN server 40 and the information on the payment of the winning amount is stored together with the payment information.

In addition, even if a customer wants a cash receipt transaction, the merchant transfers only the amount of use and the winning information to the VAN server 40 using the merchant terminal 60 without additional processing, and confirms whether or not the winning amount, and the amount of the prize from the amount of use You only need to receive a discounted amount, and the settlement method is the same as when the payment is made using the credit card.

Unlike the existing credit card inquiry, the affiliated store terminal 60 further includes an ARS winning transaction function to enable a discount of the winning amount to the used amount.

Figure 2 shows a signal processing procedure according to the instant payment method of the ARS giveaway according to the present invention, performed in the network system described above.

The customer visits the affiliated store to conduct an ARS giveaway event, and transmits an application message to the ARS event through the mobile phone 10 according to the guidance of the affiliated store (S1).

That is, when the ARS giveaway event is advertised through various media such as the ground, and the visitor visits the affiliated store and provides the giveaway ticket containing the affiliate code and the ARS event phone number, the customer goes to the mobile phone 10. After making a call to the corresponding phone number and accessing the ARS giveaway event server 30 through the mobile telecommunications provider network 20, press the correct answer button or select the event entry according to the guidance (S2), The ARS giveaway event server 30 checks the received item to confirm the winning. At this time, whether or not to win the event can be determined by drawing some of the people who meet the problem by taking a predetermined quiz, or by randomly drawing a decision for the event participants. It can be modified in various forms depending on the purpose of the event.

As such, when the ARS giveaway event server 30 determines whether or not the winner has been selected for the event, the ARS giveaway event server 30 transmits the winning or rejection to the mobile phone 10 of the customer through the mobile telecommunication service provider network 20 and wins the prize. If the case gives a winning code to the customer and transmits the winning information to the VAN server (40) (S4 ~ S6). At this time, by sending the winning information to the merchant owner, the merchant owner can confirm the fact of winning.

And, if the customer received the winning or not to the mobile phone 10, the winner may present the winning message displayed on the winning amount and the winning code received on the mobile phone 10 to the merchant to request the offer (S7) ).

The merchant checks the winning message, and when it is confirmed that the winning, the payment information and the winning information is entered into the merchant terminal 60 for the payment of the customer's use amount, and requests the payment approval (S8). In this case, the payment may be made by cash receipt payment or credit card payment. In the case of cash receipt payment, only the amount of use and the winning information are transmitted to the VAN server 40 using the merchant terminal 60, and when the approval message for the winning or not is transmitted from the VAN server 40 to the merchant terminal 60. Cash receipts are output as the winning amount is discounted from the used amount.

And when making a payment with a credit card, after entering the winning information and payment information, such as card number, winning code, used amount, winning amount in the merchant terminal 60 and transmits a payment approval request message to the VAN server 40 (S9).

Accordingly, the VAN server 40 checks the winning facts by comparing the winning information received from the ARS giveaway event server 30 and the winning information sent from the affiliated store terminal 60, and if there is an error in the winning information, Send the approval message along with the guide message to the merchant terminal 60, and if the winning information is confirmed as true, request the approval to the card company 50 for the discounted amount from the used amount and then receive the approval result. (S10). The VAN server 40 transmits the approval result to the merchant terminal 60 while storing the approval result and the winning amount payment information received from the card company 50.

The merchant terminal 60 prints the approval result received from the VAN server 40 on the sales slip and provides it to the customer.

In this case, it is preferable that the sales slip includes the payment information and discount details together with the payment information. 5 is a diagram illustrating an example of a sales slip provided to a customer when an event is performed by an immediate payment method of an ARS premium according to the present invention. Referring to FIG. 5, the winning information is printed together with the payment information for the credit card payment. That is, the amount used by the customer, the winning information (winning winning phrase, winning amount, etc.), and the discounted final payment amount are displayed. From this, the customer and the affiliated store can check the winning details more objectively with the payment information. It becomes possible.

3 is a flowchart showing a method for promptly paying ARS prizes according to the present invention according to the order of progress, and FIG. 4 is a flowchart showing the processing procedure at the time of the prize event progressing according to the present invention in more detail.

3 and 4 will be described step by step how to immediately pay ARS premiums according to the present invention.

First, as shown in FIG. 3, a poster or a flyer for informing customers of an ARS giveaway event event is distributed, and a prize entry ticket including a merchant code and an ARS event phone number is provided to a customer who finds an affiliate store (S100).

The customer recognizes the prize event through the poster, flyer, etc. (S102), if desired, dials the recognized number through the mobile phone 10 to access the ARS prize event server 30, and then ARS prize event The event is submitted according to the announcement provided from the server 30 (S104). This can be done in the form of selecting the correct answer of the quiz provided as a guide after entering the merchant code presented at the merchant, any other way is possible.

As described above, when the event application is completed, the ARS giveaway event server 30 can check whether the winning through the lottery or the correct answer,

In this embodiment, a certain number of customers who have given a quiz are drawn.

Therefore, when the event is applied as described above, the ARS giveaway event server 30 determines whether the correct answer of the quiz (S106), if the determination result, the correct answer, the guidance provided by the ARS giveaway event server 30 The application is selected according to the comment (S107). In the above, when the customer wants to re-enter it is repeatedly performed from the first step (S100) again, and when the user does not want to re-enter the event is terminated (S107).

Then, in the determination step (S106), if the customer has corrected the quiz, the instant lottery is performed to check whether the winning (S108).

As a result of the lottery, if not, the fact that the winner is not transferred to the mobile phone 10 of the customer and at the same time check the re-application to the customer (S11), when the customer re-entry from the initial step (S100) If the application is not repeated, the event is terminated (S111).

And if the lottery wins, the result is sent to the customer and the merchant's mobile phone 10 in the form of SMS, etc. (S112), and also to the VAN server 40 the winning information (merchant code, winning code, winning amount, ) Is transmitted (S113).

Thereafter, when the customer who confirms the result of the winning presents the winning message sent from the ARS giveaway event server 30 to the affiliated store and requests the offer of the prize (S114), the affiliated store stores the winning result through the customer and his mobile phone 10. After checking (S116), the merchant enters the payment information and the winning information (S118). The input payment information and the winning information is composed of a payment approval request message from the merchant terminal 60 is transmitted to the VAN server 40 (S119).

After receiving the payment information and the winning information from the merchant terminal 60, the VAN server 40 compares the winning information and the information transmitted from the ARS giveaway event server 30 and checks whether the winning, the card if the winning fact is correct Requests for approval to the card company for the amount of discounted information and the amount of money used (S120).

Since the discounted amount as described above is stored in the VAN server 40 may be settled after the contract between the merchant and the VAN company and the event organizer (S122).

The ARS giveaway payment method according to the present invention will be described in more detail with reference to FIG.

When the operator of the merchant wants to trade a prize, the operator selects the ARS winning transaction function provided in the merchant terminal 60 (S200).

Then, the credit card presented by the customer is put into a card reader (not shown) provided in the affiliated store terminal 60, and card information is read and input (S205).

In addition, the merchant terminal 60 enters the winning code received by the mobile phone 10, the actual amount of use and the winning amount (S210 ~ S220).

The merchant terminal 60 subtracts the discount amount from the actual use amount of the customer, and displays the result as an approval request amount, and at the same time configures the approval request message for the winning information and payment information VAN server ( 50) (S225).

When receiving the approval request message, the VAN server 40 compares the winning information transmitted from the merchant terminal 60 with the winning information received from the ARS giveaway event server 30 to determine whether or not the winning (S230), If the winning information is different from the fact rejection (S231), and informs the reason for the refusal of approval, that is to inform the discrepancy of the winning information.

On the contrary, if the winning information is confirmed to be true, an authorization request is made to the card company 50 together with the card information using the amount of the winning amount discounted from the used amount as the approved amount.

Subsequently, when receiving the approval message from the card company 50, the VAN server 40 transmits the approval details to the affiliated store terminal 60 (S235).

The affiliated store terminal 60 prints the received approval details on the sales slip as shown in FIG. 5 when the approval result is notified. At this time, as shown, the sales slip is billed together with the payment information (S240).

The winning amount approved as described above is settled according to the contract between the merchant, the VAN company, and the event organizer every predetermined period (S245).

As described above, according to the present invention, when an event organizer such as a card company, a VAN company, an affiliate store, or the like performs a prize event through the ARS for promotion effect and additional revenue generation, a predetermined amount of prize money is used from the use amount of the customer who wins the prize. By providing a discounted service that discounts the amount of money used, the management and delivery costs of the event organizer can be reduced according to the prize management, and by providing practical services to customers, the participation rate and response of the event can be increased, maximizing the promotion effect and more. Furthermore, it has an excellent effect of generating additional revenue.

In addition, according to the present invention by using the existing credit card payment system information on the payment and information on the payment of the winning amount is stored in the VAN server, which can be caused when providing a discount on the use amount as a premium There is an effect that can solve the problems.

Claims (3)

In the ARS giveaway immediately payment method of combining a credit card payment system including a plurality of merchant terminals and VAN server in the ARS giveaway event, A predetermined customer entering an ARS giveaway event through a mobile phone; Drawing a winner among customers who have entered the server of the ARS giveaway event, and transmitting the winning result to the corresponding customer, the mobile phone and the VAN server of the affiliate associated with the ARS event event; Receiving the winning information and the actual use amount at the merchant terminal according to the request of the winning customer; When the winning information and the actual use amount are input, the merchant terminal subtracts the discounted amount from the used amount, displays the result as the payment approval amount, and transmits a payment approval request message to the VAN server together with the winning information. Doing; The VAN server receiving the payment approval request message compares the received winning information with the result received from the ARS giveaway event server. If the two information do not match, the VAN server transmits a non-approval message to the merchant terminal. If it matches, transmitting the payment approval request message to the card company server and waiting for the approval result; If the VAN server receives the result from the card company, and transmits it to the merchant terminal, if the payment is approved, storing the winnings discount details; And The affiliated store terminal receives an approval result from the VAN server, and if it is not approved, displays an error message, and if approved, prints the approval information and the winning information on the sales slip. Immediate payment method of ARS giveaway using a credit card payment system, characterized in that consisting of. The method of claim 1, wherein the step of receiving the winning information and the actual use amount in the affiliated store terminal, When a prize payment item is selected in a merchant terminal equipped with a prize payment function, the merchant terminal displays an input message for reading a card, a winning code, a used amount, and a winning amount in a predetermined sequence, and the merchant owner is in accordance with the input message. Immediate payment method of ARS giveaway using a credit card payment system, characterized in that the data entered into the merchant terminal. The method of claim 1 wherein the method is Immediately paying the ARS giveaway using the credit card payment system, characterized in that it further comprises the step of managing the winning discount history stored in the VAN server at a predetermined cycle, and settled with the merchant for each cycle.

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