KR100745223B1 - Recording Medium - Google Patents

Abstract

The present invention relates to a recording medium, and when a predetermined purchase contract is concluded between a financial company and a specific product seller or a specific affiliate store, predetermined contract condition information (or predetermined contract code corresponding to the contract condition) corresponding to the purchase contract is provided. A function to generate, a function of receiving a predetermined purchase agreement from at least one client terminal to purchase a specific product or to perform a purchase at a specific merchant in accordance with the contract condition, and the generated contract condition information (or the contract condition). A function for providing a predetermined IC chip interface or a terminal having an IC chip interface to store a corresponding predetermined contract code) in an IC chip provided in a client-owned payment means that has made the purchase agreement. It is characterized by. The contract condition information may be stored in an IC chip provided in a server (or a storage medium) and / or a payment means of the client on a network, and the client may use the payment means for a certain amount or schedule of a specific product for a certain period of time. If you purchase more than the amount, it will be the basis for providing the adjusted sale price and discount according to the contract terms.

Pre-purchase, Contract

Description

Recording medium {Recording Medium}

1 is a simplified configuration diagram of a system for providing payment means according to a pre-purchase contract according to a preferred embodiment of the present invention.

2 is a simple flowchart illustrating a payment method providing process according to a pre-purchase contract according to a preferred embodiment of the present invention.

3 is a simple configuration diagram of a payment means providing system according to a pre-purchase contract according to another preferred embodiment of the present invention.

4 is a simple flowchart illustrating a payment method providing process according to a pre-purchase contract according to another preferred embodiment of the present invention.

5 is a simple conceptual diagram of a payment means providing system according to a pre-purchase contract according to another preferred embodiment of the present invention.

6 is a simple conceptual diagram of a payment means providing system according to a pre-purchase contract according to another preferred embodiment of the present invention.

7 is an exemplary diagram showing a functional configuration of an IC card according to a preferred embodiment of the present invention.

Fig. 8 is an exemplary data structure for a predetermined element file recorded on the IC card according to the preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: contract conclusion

110: purchase quantity information generation unit 115: contract condition generation unit

120: information storage unit 125: extraction unit

130: payment processing unit 135: information transmission unit

140: storage medium 145: the seller or merchant

150: client terminal 155: payment method

The present invention provides a contract between a server and a client and / or a specific product vendor (or merchant) to purchase a certain amount (or a certain amount) of a certain product for a certain period of time, and / or a contract to purchase a certain amount or more at a specific merchant for a certain period. It relates to a recording medium comprising the function to fasten.

With the development of financial infrastructure, such as online and offline, the card as a payment method has a great impact on the economic society. These cards caused the problem of mass production of bad credit, but made significant contributions in terms of consumer economic development.

As the card industry grows in size, card operators are developing and promoting various card products to attract more customers. If a given card product is developed to meet such growing needs of the customer, the card operator must bear a significant marketing fee for product promotion.

In such a situation, card companies have been issued a predetermined partnership card in cooperation with a specific product seller, and has taken the form of sharing the expenses for marketing and the like (for example, the card company and the product seller 5: 5, etc.).

However, some of the well-known franchisees have turned the expenses of the issuance of affiliate cards into the share of the card companies, and it is virtually impossible for affiliates to expect better sales through alliance with the card companies. It was.

An object of the present invention for resolving the above problems is, when a predetermined purchase contract is concluded between a financial company and a specific product seller or a specific affiliate store, predetermined contract condition information corresponding to the purchase contract (or predetermined contract corresponding to the contract condition). Contract code), a function of receiving a predetermined purchase agreement from at least one client terminal to purchase a specific product or to purchase at a specific merchant in accordance with the contract condition, and the generated contract condition information. (Or a predetermined contract code corresponding to the contract terms) is provided to a terminal equipped with a predetermined IC chip interface or an IC chip interface to be stored in the IC chip provided in the client-owned payment means that has made the purchase agreement. The present invention provides a recording medium having recorded thereon a program.

The recording medium according to the present invention for achieving the above object is, when a predetermined purchase contract is concluded between a financial company and a specific product sales company or a specific merchant, predetermined contract condition information corresponding to the purchase contract (or predetermined contract corresponding to the contract condition). Contract code); A function of receiving a predetermined purchase agreement from at least one client terminal to purchase a specific product or to perform a purchase at a specific merchant in accordance with the contract condition; And a predetermined IC chip interface or an IC chip interface for storing the generated contract condition information (or a predetermined contract code corresponding to the contract condition) in an IC chip provided in the client-owned payment means which has made the purchase agreement. And a program for realizing a function provided to the terminal.

In addition, the present invention includes a contract between a financial institution server and at least one or more clients to purchase a certain amount (or a certain amount) of a certain product for a certain period of time, and / or a contract to purchase a certain amount of money from a specific merchant for a certain period of time. Signing a predetermined purchase contract, collecting the purchase contract information entered into by the financial institution server with the at least one client, and using a specific merchant for a certain period of time (or a purchase amount) and / or using a specific merchant for a predetermined period of time; Generating predetermined purchase quantity (or amount) information including the possible amount information, and a predetermined purchase contract with a specific product vendor or a specific merchant based on the generated purchase amount (or amount) information in the financial institution server; At the time of conclusion, the specific product sales company in the financial company server Generating predetermined contract condition information corresponding to a purchase contract with a specific affiliate store and storing the client condition information and / or payment means information of the client and the contract condition information in a predetermined storage medium in the financial institution server; Characterized in that it comprises a step.

According to the present invention, the customer information and / or payment means information in the financial company server corresponding to a predetermined payment terminal and / or the payment means when the customer purchases a product or a merchant that has already signed the purchase contract to the payment means It may be configured to further include the step of extracting the pre-stored contract condition information stored in the storage medium and the payment processing corresponding to the extracted contract condition information.

In addition, the present invention, when the customer purchases a product or a merchant that has already signed the purchase contract for a predetermined period of time to the payment means, the customer in the financial company server through the payment means the purchase contract is already signed for the predetermined period Confirming the total purchase amount information and / or the total merchant use information of the purchased product, and as a result of the checking, the total purchase amount and / or total merchant use amount (or use amount) of the product for which the purchase contract is concluded is the customer If it meets the purchase contract concluded with the above, it can be configured to further include the step of processing the post-payment of the amount used for a certain period through the payment means in accordance with the contract terms with the customer.

In addition, according to the present invention, it may be configured to further include a step of signing a predetermined purchase contract between the financial company server and a specific product sales company or a specific merchant server.

According to the present invention, when a predetermined purchase contract is concluded with a specific product sales company or a specific merchant based on the purchase quantity (or amount) information generated by the financial company server, the financial company server contacts the specific product sales company or a specific merchant. The contract condition information generated in response to the purchase contract includes information on product sales price conditions according to a contract condition for purchasing a certain amount or a certain amount of a certain product for a certain period, and a contract condition for purchasing a certain amount or more at a specific merchant for a certain period. It may be made by including at least one discount condition information according to.

According to the present invention, a purchase contract concluded between the financial institution server and at least one client, a contract to purchase a certain amount or a certain amount of a certain product for a certain period, and / or a contract to purchase a certain amount or more at a specific merchant for a certain period. It may include.

According to the present invention, the step of linking the client information and / or payment means information and the contract condition information of the client in the predetermined storage medium in the financial company server, the financial institution server at least the contract condition information The method may further comprise the step of notifying one or more clients.

In addition, a method of providing a payment means according to a pre-purchase contract according to another embodiment of the present invention is a predetermined contract corresponding to the purchase contract in the financial company server when a financial company concludes a predetermined purchase contract with a specific product seller or a specific merchant. Generating condition information, receiving a predetermined purchase agreement from at least one client to purchase a specific product or perform a purchase at a specific merchant in accordance with the contract condition at the financial company server, and the purchase at the financial company server And the client information and / or payment means information of the client having consented to be stored in a predetermined storage medium in association with the contract condition information.

Here, in the financial institution server, receiving a predetermined purchase agreement from at least one client to purchase a specific product according to the contract condition or to perform a purchase at a specific affiliate store may include receiving the contract condition information from the financial institution server. The method may further comprise the step of notifying one or more clients.

In addition, the step of receiving a predetermined purchase agreement from the at least one client to purchase a specific product in accordance with the terms of the contract in the financial institution server or to purchase at a specific merchant, between the financial institution server and the client making the purchase agreement And entering into a predetermined purchase agreement, including a contract to purchase a certain amount (or a certain amount) of a certain product for a certain period of time, and / or a contract to purchase a certain amount or more of a certain merchant for a certain period of time. Can be.

In addition, the step of receiving a predetermined purchase agreement from the at least one client to purchase a specific product in accordance with the terms of the contract in the financial institution server or to purchase at a specific merchant, between the financial institution server and the client making the purchase agreement Entering into a predetermined purchase contract including a contract to purchase a certain amount (or a certain amount) of a specific product for a certain period of time, and / or a contract to purchase a certain amount or more of a certain merchant for a certain period of time, and the financial company server It may be configured to further include the step of storing the contract conclusion information in a predetermined storage medium in association with the client information and / or payment means information of the client.

On the other hand, according to another embodiment of the present invention, the payment means providing method according to the pre-purchase contract is presented may be implemented using an IC chip provided in the payment means of the client.

The payment method providing method according to a pre-purchase contract according to a preferred embodiment implemented using the IC chip provided in the payment means of the client is a certain amount (or a predetermined amount) of a specific product for a certain period between the financial institution server and at least one client Entering a predetermined purchase contract including a contract to purchase more than a certain amount of money, and / or a contract to purchase more than a predetermined amount at a specific merchant for a predetermined period of time, and purchase contract information entered into by the financial institution server with the at least one client. Collecting and generating predetermined purchase quantity (or amount) information including specific product purchase amount (or purchase amount) and / or specific merchant available amount information for a period of time; The amount of purchase (or amount) When a predetermined purchase contract is concluded with a specific product vendor or a specific merchant, predetermined financial term information (or a predetermined contract corresponding to the contract term) corresponding to the purchase contract with the specific product seller or a specific merchant is signed by the financial institution server. Code) and storing the generated contract condition information (or a predetermined contract code corresponding to the contract condition) in an IC chip provided in the client-owned payment means.

In addition, the method may be performed by the financial institution server to process the client information and / or payment means information of the client in association with the contract condition information (and / or predetermined contract code corresponding to the contract conditions) to a predetermined storage medium. It may be configured to further include the step of storing.

Here, the step of linking the client information and / or payment means information of the client and the contract condition information in the financial institution server and storing the contract condition information in a predetermined storage medium may include storing the contract condition information in the at least one client. It is preferable to further include the step of notifying.

The method may further include an IC chip provided in the payment means at a financial company server corresponding to a predetermined payment terminal and / or the payment means when the customer purchases a product or uses a franchise with which the purchase contract has been concluded. The method may further include performing a payment process according to the contract condition based on the contract condition information (or a predetermined contract code corresponding to the contract condition) previously stored.

The storing of the generated contract condition information (or a predetermined contract code corresponding to the contract condition) in the IC chip provided in the client-owned payment means may include generating the contract condition information (or Providing the client with a predetermined contract code corresponding to the contract condition and the client owned payment of the contract condition information (or the predetermined contract code corresponding to the contract condition) with a predetermined IC chip interface at the client. It may be configured to include the step of storing in the IC chip provided in the means.

Preferably, the IC chip is provided in the client-owned card or in the client-owned wireless terminal.

In addition, according to another preferred embodiment implemented using the IC chip provided in the payment means of the client, the method of providing a payment method according to the pre-purchase contract presented in the financial company a predetermined purchase with a specific product seller or a specific merchant When the contract is concluded, generating predetermined contract condition information (or predetermined contract code corresponding to the contract condition) corresponding to the purchase contract at the financial institution server; and selecting a specific product according to the contract condition at the financial institution server. Receiving a predetermined purchase agreement from at least one client to make a purchase or to conduct a purchase at a specific affiliate store, and purchase the contract condition information (or a predetermined contract code corresponding to the contract condition) generated by the financial institution server. Stored in the IC chip of the client-owned payment method It can be configured to include a step.

In addition, the method may be performed by linking the customer information and / or payment means information of the client that has made the purchase agreement with the financial institution server in association with the contract condition information (and / or a predetermined contract code corresponding to the contract condition). The method may further include storing in a storage medium of the.

In this case, the financial institution server processes the client information and / or payment means information of the client who has made the purchase agreement in association with the contract condition information (and / or a predetermined contract code corresponding to the contract condition) to a predetermined storage medium. The storing may further include informing the at least one client of the contract condition information in the financial institution server.

In addition, according to the embodiment, the step of receiving a predetermined purchase agreement from the at least one client to purchase a specific product in accordance with the contract conditions or to purchase at a specific merchant in the financial company server, the financial company server The method may further include notifying the at least one client of the contract condition information.

In addition, the step of receiving a predetermined purchase agreement from the at least one client to purchase a specific product in accordance with the terms of the contract in the financial institution server or to purchase at a specific merchant, between the financial institution server and the client making the purchase agreement It may further comprise the step of entering into a predetermined purchase agreement comprising a contract to purchase a certain amount (or a certain amount) of a certain product for a certain period, and / or a contract to purchase a certain amount or more at a specific merchant for a certain period. .

In addition, the step of receiving a predetermined purchase agreement from the at least one client to purchase a specific product in accordance with the terms of the contract in the financial institution server or to purchase at a specific merchant, between the financial institution server and the client making the purchase agreement Entering into a predetermined purchase contract including a contract to purchase a certain amount (or a certain amount) of a specific product for a certain period of time, and / or a contract to purchase a certain amount or more of a certain merchant for a certain period of time, and the financial company server The method may further include storing the contract conclusion information in a predetermined storage medium in association with the client information and / or payment means information of the client.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the card (or card) game presented by the present invention, first a predetermined reference numeral is added to the components shown on each drawing. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific components are shown, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing 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 simplified configuration diagram of a payment means providing system according to a pre-purchase contract according to a preferred embodiment of the present invention.

1 shows that in providing a payment method according to a pre-purchase contract according to the present invention, the financial institution server 100 has a predetermined purchase contract (for example, a certain amount of a certain product (or a predetermined amount) for a predetermined period or more) with at least one or more clients. A contract to purchase, and / or a contract to purchase more than a certain amount of money at a specific merchant for a certain period of time), and based on a purchase contract information with the client, a predetermined contract with a specific product vendor or a specific merchant () 145). This is a simple diagram of a system for entering into a purchase contract.

Referring to FIG. 1, the illustrated system includes at least one client terminal 150 for entering a predetermined purchase contract with a financial institution server 100 on a network, and the purchase contract in cooperation with the at least one client terminal 150. It is characterized in that it comprises a server 100 on the network to provide a fastening process, and to conclude a predetermined purchase contract with a specific product vendor or a particular merchant 145 using the concluded purchase contract information.

Preferably, the client terminal 150 connecting to the server 100 on the network, the contract to purchase a certain amount (or a certain amount) or more of a certain product for a certain period with the server 100, and / or specified for a certain period The merchant is characterized in that the conclusion of a predetermined purchase agreement, including a contract to purchase more than a certain amount.

Here, in the process of concluding a predetermined purchase contract with the network server 100, the client terminal 150 preferably communicates with the server 100 through a highly secure communication session.

In addition, the purchase contract is preferably concluded based on a client certificate mounted in the memory of the client terminal 150 or an external memory that can interoperate with the terminal.

In addition, the client terminal 150 receives a predetermined contract conclusion page provided from the server 100, and displays contract information (for example, specific product information to be contracted, quantity information available for purchase, and purchase price) on the contract conclusion page. Information, purchase period information, specific merchant information to be used, etc.) would be desirable.

Further, preferably, the client terminal 150 may be wired (eg, client PC, ATM, KIOSK, etc.) or wireless terminal (eg, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital). Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), smart phone, IMT-2000 and the like).

Referring to Figure 1, the server 100 on the network shown is a contract to purchase a certain amount (or a certain amount) or more of a certain product for a certain period of time concluded with the at least one client, and / or at a certain merchant for a certain period Based on the contract information to purchase more than the amount, a purchase contract including a predetermined purchase condition is concluded with the specific product vendor or a specific merchant 145, and the information on the purchase contract terms and the client information and / or executed the contract By storing in association with the payment means information of the client, when using the payment means of the client, it is characterized in that it is determined whether the purchase contract concluded client.

Here, the payment means 155 of the client, credit card payment means, debit card payment means, prepaid card payment means, check card payment means, electronic money payment means, securities payment means, mobile ( Or wireless) payment means.

In more detail, the server 100 is a financial company server including a card company server and / or a bank server, and includes a predetermined function unit for providing a payment means according to a pre-purchase contract according to the present invention. It is characterized by.

According to FIG. 1, the server 100 includes a contract conclusion unit 105, a purchase quantity information generation unit 110, a contract condition generation unit 115, and an information storage unit 120. .

Preferably, the contract conclusion unit 105 concludes the predetermined purchase contract with the at least one client terminal 150.

Here, the contract conclusion unit 105 is predetermined contract information (eg, specific product information, purchase quantity information, purchase price information, purchase period information required for a purchase contract to the at least one client terminal 150) Information, specific merchant information to be used, etc.).

Preferably, the purchase quantity information generation unit 110 when the purchase contract is concluded with the at least one client through the contract conclusion unit 105, collects the purchase contract information signed by the contract conclusion unit for a certain period of time Generate predetermined purchase quantity (or amount) information including the purchase amount (or purchase amount) and / or specific merchant available amount information for a period of time.

Here, the purchase quantity information generation unit 110 may classify and collect purchase contract data concluded with a plurality of clients into a predetermined period and / or a specific product and / or a specific product purchase amount and / or a specific affiliate store, and the like. At this time, the purchase quantity information generation unit 110 calculates an appropriate average value (in case of period or amount) and / or an appropriate quantity (in case of a specific product or a specific merchant) for the collected purchase contract data, and the like. (Or amount) information can be generated.

For example, it would be reasonable to exclude products with low client preference (or merchants) or products with fewer contractors to use (or merchants).

Preferably, the contract condition generation unit 115 is the contract execution unit 105 based on the purchase quantity (or amount) information generated by the quantity information generation unit 110, the specific product sales company or a specific merchant 145 When a predetermined purchase contract is concluded, the predetermined contract condition information corresponding to the purchase contract with the specific product seller or the specific affiliate store 145 is generated.

Here, the contract condition information generated by the contract condition generator 115 may be a product sales amount condition information according to the contract condition for purchasing a certain amount or a certain amount of a certain product for a certain period, and a predetermined amount or more at a specific merchant for a certain period. At least one discount condition information according to a contract condition to purchase may be included.

Preferably, the information storage unit 120 processes the customer information and / or payment means information of the client and the contract condition information in a predetermined storage medium 140.

Herein, the payment means information of the client stored through the information storage unit 120 is used by the client when purchasing a specific product for a certain period of time according to a purchase contract concluded by the client with the server 100 and / or a specific affiliate store It is characterized by using in.

In addition, referring to FIG. 1, the server 100 may further include an extracting unit 125, a payment processing unit 130, and an information transmitting unit 135.

Preferably, the extraction unit 125 is stored in the storage medium 140 in association with the customer information and / or payment means information when the client purchases a product or a merchant using a pre-contracted purchase contract to the payment means Extract the terms and conditions information.

For example, the extraction unit 125 is a network (for example, VAN, etc.) the payment means information (for example, card information, etc.) of the client from the affiliated store terminal when the client who signed the purchase contract purchases the contracted product or uses the affiliate store When transmitted to the server 100 through, the contract information stored in association with the payment means information of the client can be extracted from the storage medium 140.

Preferably, the payment processing unit 130 performs payment processing in response to the contract condition information extracted by the extraction unit 125.

For example, if a predetermined discount condition is included in the contract condition, the payment processor 130 may apply the discount condition to perform the payment process according to the purchase of the product of the client.

Preferably, the information transmitting unit 135 notifies the at least one client terminal 150 of the contract condition information.

Here, the information transmitting unit 135 refers to the contract information by referring to the client information of the client or the personal information (eg, mobile phone number, e-mail, address, etc.) input (or provided) at the time of purchase contract. It may be provided to the client terminal 150.

In addition, the server 100 includes a contract to purchase a certain amount (or a predetermined amount) or more of a certain product for a predetermined period with at least one or more clients, and / or a contract to purchase a certain amount or more at a specific merchant for a predetermined period. The customer contract information data file that stores the purchase contract execution information of and the contract condition for purchasing a certain amount or a certain amount of a specific product for a certain period of time, which is generated according to a predetermined purchase contract with at least one specific product vendor or a specific merchant. Information storage price data including information on the terms of sale of the goods and at least one of the conditions of the contract information including at least one or more discount conditions according to the terms of the contract to purchase at a certain merchant for a certain period of time; Medium 140 It is characterized by including.

Here, the customer contract information data file and the contract condition information data file are preferably stored in association with the client information and / or payment means information of the client.

In addition, the information storage medium 140 is located in a financial company server, including a card company server, and / or a bank server, VAN company server, characterized in that located in the merchant payment terminal.

Meanwhile, in order to implement the present invention, the illustrated server 100 is characterized by having a recording medium on which a program for realizing a predetermined function is recorded.

Preferably, the recording medium includes a contract to purchase a certain amount (or a predetermined amount) or more of a certain product for a predetermined period with at least one client terminal 150, and / or a contract to purchase a certain amount or more at a specific merchant for a predetermined period. A predetermined purchase contract, and a predetermined amount of information including a purchase amount (or purchase amount) of a specific product for a predetermined period and / or specific merchant available amount information for a predetermined period by collecting the concluded purchase contract information. A function of generating purchase quantity (or amount) information of a and a predetermined purchase contract with a specific product vendor or a specific merchant based on the generated purchase amount (or amount) information. A function of generating predetermined contract condition information corresponding to a purchase contract with 145; and The client information and / or payment means information of the client and the contract condition information are stored in a predetermined storage medium 140 by linking.

In addition, the program extracts the contract condition information stored in the storage medium by being processed in connection with the customer information and / or payment means information when the customer purchases a product or a merchant that has already signed the purchase contract as the payment means. And a function of performing payment processing in response to the extracted contract condition information.

The program may further realize a function of concluding a predetermined purchase contract between the specific product vendor or the specific affiliate server 145 and to notify the at least one client terminal 150 of the contract condition information. It is characterized by.

Preferably, the recording medium is located in a financial company server including a card company server, and / or a bank server.

2 is a simple flowchart illustrating a payment method providing process according to a pre-purchase contract according to a preferred embodiment of the present invention.

FIG. 2 is based on the purchase agreement information concluded by the server at least one or more clients through the payment means providing system according to the pre-purchase agreement shown in FIG. In order to conclude a predetermined purchase contract with a specific product vendor or a specific merchant 145, the client may use the specific product vendor or the specific merchant as the contracted payment means of the client, and the contract condition information (eg, a discount, etc.) ) Is an example of a process of applying to the payment processing of the payment means.

Referring to FIG. 2, at least one client may be connected to the server 100 through a predetermined terminal 150 to start from a process of requesting to conclude a purchase contract according to the present invention (200).

When a purchase contract conclusion request according to the present invention is received from the client terminal 150 to the server 100 (205), the contract conclusion unit 105 of the server 100 is a predetermined web page for the purchase contract conclusion Can be provided to the client terminal 150 (210).

In this case, the purchase contract conclusion web page may specify the specific product information, purchase quantity information, purchase price information, purchase period information, specific merchant information to be used for the purchase contract, and the like. The specified purchase contract information may be selected or input and provided to the server 100.

When the contract conclusion unit 105 receives the purchase contract conclusion data from the client terminal 150 through the process (215), the purchase quantity information generation unit 110 of the server 100 is concluded with a plurality of clients Collected purchase contract information (220).

In addition, the purchase quantity information generation unit 110 may include a specific product purchase amount (or purchase amount) and / or specific merchant available amount information for a certain period with reference to the collected purchase contract information. Predetermined purchase quantity (or amount) information is generated (225).

When purchase quantity (or amount) information is generated through the purchase quantity information generation unit 110, the contract conclusion unit 105 of the server 100 is a specific product corresponding to the purchase quantity (or amount) information A purchase agreement with a sales company or a specific merchant 145 is concluded (230).

Here, the contract condition information generation unit 115 of the server 100 generates predetermined contract condition information when the purchase contract is concluded (235), wherein the contract condition information is a certain amount or a predetermined amount of a specific product for a certain period of time. It may be configured to include at least one item of sale price condition information according to the contract condition to be purchased above and at least one discount condition information according to the contract condition to purchase a predetermined amount or more at a specific merchant for a certain period of time.

When the contract condition information is generated through the contract condition information generation unit 115, the information storage unit 120 of the server 100 links the client condition information and / or payment means information of the client with the contract condition information. In operation 240, the storage medium 140 stores the data in the storage medium 140.

Here, the payment means of the client, credit card payment means, debit card payment means, prepaid card payment means, check card payment means, electronic money payment means, securities payment means, mobile (or wireless) payment At least one means may be included.

On the other hand, when the client uses the payment means in the specific product or a specific merchant 145, the contract concluded (245), the payment means information used is the server 100 through a value added network (VAN), etc. Can be delivered.

Then, the extraction unit 125 of the server 100 checks the payment means information used by the client and searches whether the contract condition information corresponding to the payment means information exists in the storage medium 140 (250). .

If contract condition information corresponding to payment means information used by the client does not exist in the storage medium 140 (255), the payment processing unit 130 of the server 100 performs the payment according to a general payment processing process. The payment processing of the means is carried out (contract information does not apply).

On the other hand, if the search result of the extraction unit 125, the contract condition information corresponding to the payment means information used by the client in the storage medium 140 exists (260), the extraction unit 125 is the searched contract Extracting the condition information (265), the payment processing unit 130 of the server 100 to perform the payment processing for the payment means based on the extracted contract condition information (270).

In addition, according to a preferred embodiment of the present invention, when the customer uses a product purchase or a merchant to which the purchase contract is concluded for a predetermined period of time as the payment means, the payment processing unit 130 of the server 100 is extracted The client compares the contract condition information extracted by the unit 125 with purchase information included in the payment approval request message transmitted from the payment terminal provided in the merchant or the merchant, and the client performs the The total purchase amount information and / or the total merchant usage information of the product for which the purchase contract is concluded may be confirmed.

Preferably, the payment processing unit 130, if the total purchase amount and / or the total merchant amount (or use amount) of the merchandise already signed the purchase contract is matched with the purchase contract already signed with the client According to the contract condition of the client, the payment amount used for a predetermined period through the payment means may be post-processed.

Meanwhile, in order to implement the present invention, the server 100 may generate predetermined contract condition information corresponding to the purchase contract when a predetermined purchase contract is concluded between a financial company and a specific product seller or a specific merchant 145. , A function of receiving a predetermined purchase agreement from at least one or more client terminals 150 to purchase a specific product or to purchase at a specific merchant in accordance with the contract condition, and customer information and / or payment of the client who made the purchase agreement. And a program for realizing a function of storing the means information in association with the contract condition information and storing the means information in a predetermined storage medium 140.

Preferably, the program recorded on the recording medium, when the customer purchases a product or a merchant using the purchase contract is pre-contracted to the payment means, the customer information and / or payment means information is processed in association with the storage medium ( 140, the function of extracting the pre-stored contract condition information and the function of performing payment processing in response to the extracted contract condition information are further realized.

The program may further implement a function of concluding a predetermined purchase contract between the specific product vendor or the specific affiliated server 100 and notifying the at least one client terminal 150 of the contract condition information. It features.

In addition, the program may include a contract with a client agreeing to the purchase to purchase a certain amount (or a certain amount) of a certain product for a certain period of time, and / or a contract to purchase a certain amount of a certain amount of money at a specific merchant for a certain period of time. The method may further include a function of concluding a predetermined purchase contract and storing the information on the predetermined storage medium 140 in association with the client information and / or payment means information of the client.

3 is a simplified configuration diagram of a payment means providing system according to a pre-purchase contract according to another preferred embodiment of the present invention.

Figure 3 is according to another preferred embodiment of the present invention, in providing a payment means according to a pre-purchase agreement, the financial company server 300 enters into a predetermined purchase contract with a specific product vendor or a particular merchant, the purchase contract It is an exemplary diagram of a system having a function of generating predetermined contract condition information corresponding to a contract and contracting with at least one client based on the generated contract condition information.

Referring to FIG. 3, the server 300 illustrated in FIG. 3 is a financial company server including a card company server and / or a bank server, and includes a predetermined function unit for implementing the present embodiment. It is done.

Preferably, the server 300 is characterized in that it comprises a contract condition generation unit 315, purchase confirmation unit 310 and storage unit 320.

Here, the contract condition generation unit 315 generates predetermined contract condition information corresponding to the purchase contract when a predetermined purchase contract is concluded between a financial company and a specific product seller or a specific affiliate store 145.

Preferably, the predetermined contract condition information corresponding to the purchase contract includes product sales amount condition information according to a contract condition for purchasing a certain amount or a certain amount of a specific product for a certain period of time, and intends to purchase a certain amount or more at a specific merchant for a certain period of time. At least one discount condition information according to the contract condition may be included.

In addition, the purchase confirmation unit 310 receives a predetermined purchase agreement from at least one or more client terminals 150 to purchase a specific product or to purchase at a specific merchant in accordance with the contract condition.

In this case, the client terminal 150 may be a wired or wireless terminal, characterized in that to provide a predetermined purchase agreement to purchase a specific product or to perform a purchase at a specific merchant to the server 300 on the network.

For example, the purchase agreement may be performed through a predetermined purchase agreement web page provided to the client terminal 150, or, in the case of a wireless terminal, may also be executed through a callback URL for a purchase agreement.

In addition, the storage 320 stores the client information and / or payment means information of the client who has made the purchase agreement in association with the contract condition information and stores the information in a predetermined storage medium.

In addition, the server 100 may further include a predetermined function unit for implementing the present embodiment.

According to FIG. 3, the server 300 is stored in the storage medium in association with the customer information and / or payment means information when the customer purchases a merchandise or a merchant that has already purchased the purchase contract as the payment means. A predetermined purchase contract between the extraction unit 325 for extracting the contract condition information, the payment processing unit 330 for payment processing in response to the contract condition information extracted by the extract unit, and the specific product vendor or the specific merchant server 145. It may be configured to further include a contract conclusion unit 305 for signing the contract information and the information transmission unit 335 for notifying the contract condition information to the at least one client terminal 150.

In addition, the contract conclusion unit 305 of the server 300 is a contract to purchase a certain amount (or a certain amount) or more of a certain product for a certain period with the client agreeing to the purchase, and / or schedule at a specific merchant for a certain period of time. A predetermined purchase contract can be concluded, including a contract to purchase more than the amount.

In addition, the server 300 may further include an information storage unit 340 for processing the contract conclusion information in association with the client information and / or payment means information of the client to store in a predetermined storage medium 140. .

4 is a simple flowchart illustrating a payment method providing process according to a pre-purchase contract according to another preferred embodiment of the present invention.

4 is an exemplary flowchart of another preferred embodiment of the present invention through the payment means providing system according to the pre-purchase contract shown in FIG.

In the process of providing a payment method according to a pre-purchase contract according to FIG. 4, the financial institution server 300 enters into a predetermined purchase contract with a specific product seller or a specific affiliate store 145, and predetermined contract conditions corresponding to the purchase contract. Generating information and contracting with at least one client based on the generated contract condition information.

Referring to FIG. 4, the illustrated embodiment may be started from a process of signing a predetermined purchase contract with a specific product seller or a specific merchant 145 at a financial company (400).

According to the present embodiment, the contract condition generating unit 315 of the financial company server 300, when the purchase contract is concluded, a predetermined contract condition corresponding to a purchase contract concluded with the specific product seller or a specific merchant 145. Generate information (405).

Herein, the contract condition information includes product sales amount condition information according to a contract condition for purchasing a certain amount or a certain amount of a certain product for a certain period, and discount condition information according to a contract condition for purchasing a certain amount or more at a specific merchant for a certain period. It is preferable to comprise at least one or more.

When predetermined contract condition information corresponding to a purchase contract is generated through the contract condition generator 315, the purchase confirmation unit 310 of the server 300 may determine a specific product from at least one client according to the contract condition. A purchase agreement for purchase and / or use of a particular merchant is received (410).

For example, the client accesses the server 300 and checks the contract condition information corresponding to the purchase contract concluded by the server 300 with the specific product sales company or the specific affiliate store 145, and refers to the specific information. Purchase agreement information on product purchase and / or use of a specific merchant may be provided to the server 300.

When the purchase agreement for the purchase of a specific product and / or the use of a specific merchant is received from the at least one client through the above process, the storage unit 320 of the server 300 receives the customer information and / or payment means of the purchase agreement client. The information is stored in the storage medium 140 in association with the contract condition information (415).

Here, the payment means of the client stored in the storage medium in association with the contract condition information may be credit card payment means, debit card payment means, prepaid card payment means, check card payment means, electronic money payment means, oil price It may include at least one stock payment means and a mobile (or wireless) payment means.

Subsequently, when the client uses the payment means at the specific product or a specific merchant contracted (420), the used payment means information is transmitted to the server 300 through a value added network (VAN) or the like. The extractor 325 of the server 300 checks the payment means information used by the client and searches whether the contract condition information corresponding to the payment means information exists in the storage medium 140.

If the contract condition information corresponding to the payment means information used by the client does not exist in the storage medium 140, the payment processing unit 330 of the server 300 is generally applied without applying the contract condition information according to the present invention. The payment process of the payment means is performed according to the payment process.

On the other hand, if the search result of the extraction unit 325, the contract condition information corresponding to the payment means information used by the client in the storage medium 140, the extraction unit 325 extracts the retrieved contract condition information In addition, the payment processing unit 330 of the server 300 performs payment processing for the payment means based on the extracted contract condition information.

5 is a simple conceptual diagram of a payment means providing system according to a pre-purchase contract according to another preferred embodiment of the present invention.

5 is a certain amount (or a certain amount) or more of a specific product for a certain period of time that the financial institution server 100 has concluded with the at least one client on the payment means providing system according to the pre-purchase contract described in FIGS. 1 to 2. Purchasing contracts created in the process of entering into a purchase contract including a predetermined purchase condition with a specific product vendor or a specific merchant based on the contract to purchase and / or the contract information to purchase more than a certain amount at a specific merchant for a certain period of time. And the condition information is stored in the IC chip provided in the payment means of the client that executed the contract.

Referring to FIG. 5, the client terminal 150 accessing the financial institution server 100 contracts with the server 100 to purchase a specific product or a predetermined amount or more for a predetermined period of time, and / or a predetermined period of time. It is characterized in that for entering a predetermined purchase contract including a contract to purchase a certain amount of money at a specific merchant during the above, In addition, according to the present embodiment, the client terminal 150 is the IC of the client owned the contract condition information A predetermined IC chip interface that can be mounted on a chip may be further provided.

Here, the IC chip may be provided in the client-owned card or in the client-owned wireless terminal.

In addition, the client terminal 150 may be a wired (eg, client PC, ATM, KIOSK, etc.) or a wireless terminal (eg, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), smart phone, IMT-2000, and the like.

Preferably, the server 100 shown in FIG. 5 may inherit the functional unit of the server 100 shown in FIG. 1 (see FIG. 1).

However, when the server 100 shown in FIG. 5 concludes a predetermined purchase contract with a specific product seller or a specific merchant based on the purchase quantity (or amount) information, the server 100 is connected with the specific product seller or the specific merchant 145. And a contract condition generating unit 115 for generating predetermined contract condition information (or predetermined contract code corresponding to the contract condition) corresponding to the purchase contract.

Preferably, the contract condition information generated by the contract condition generating unit is a product sales amount condition information according to a contract condition for purchasing a certain amount or a certain amount of a certain product for a certain period, and a contract to purchase a certain amount or more at a specific merchant for a certain period. At least one discount condition information according to a condition may be included.

In addition, the server 100 includes a predetermined IC chip interface or an IC chip interface to store the contract condition information (or a predetermined contract code corresponding to the contract condition) in an IC chip provided in the client-owned payment means. Characterized in that it comprises an information providing unit provided to the terminal.

Referring to FIG. 5, the financial institution server 100 may contract with at least one client to purchase a certain amount (or a certain amount) of a certain product for a certain period of time, and / or a contract to purchase a certain amount of money at a certain merchant for a certain period of time. Enter a predetermined purchase contract, including (1).

The financial company server 100 collects purchase contract information entered into with the at least one client and includes a predetermined product purchase amount (or purchase amount) for a predetermined period and / or specific merchant use amount information for a predetermined period. Generating purchase amount (or amount) information of a; and (2) upon entering a predetermined purchase contract with a specific product vendor or a specific merchant based on the generated purchase amount (or amount) information (3); In step 100, predetermined contract condition information (or predetermined contract code corresponding to the contract condition) corresponding to the purchase contract with the specific product seller or the specific merchant is generated (4).

 The server 100 provides the generated contract condition information (or a predetermined contract code corresponding to the contract condition) to the client terminal 150, wherein the server 100 provides customer information of the client and And / or payment means information may be stored in a predetermined storage medium in association with the contract condition information (and / or a predetermined contract code corresponding to the contract condition).

When the contract condition information is provided to the client terminal 150, the contract condition information (or a predetermined contract code corresponding to the contract condition) is provided through a predetermined IC chip interface provided in the client terminal 150. It is stored in the IC chip provided in the client-owned payment means (5).

According to this embodiment, if the client uses the card on which the terms and conditions information is loaded (6), the server 100 checks the terms and conditions information (or code) loaded on the client card (7) and the The payment process is carried out so that the contract terms apply (8).

For example, the contract condition information may be mounted in a predetermined code form on the IC chip of the client card in consideration of chip capacity, etc. At this time, the payment terminal using the card reads the contract condition code of the IC chip. In this case, the server 100 may be transmitted to the server 100, and the server 100 may apply contract payment information corresponding to a contract condition code stored in a storage medium and apply the settlement to the card.

In addition, the storage medium may be provided in the payment terminal and / or VAN server 100, in which case the payment terminal and / or VAN server 100 checks the contract condition information read from the card, Results may be provided to the server 100.

On the other hand, Fig. 5 is characterized by including a recording medium on which a program for realizing a predetermined function for implementing the present embodiment is recorded.

Here, the recording medium includes a contract to purchase a certain amount (or a predetermined amount) or more of a certain product for a certain period with at least one client terminal 150, and / or a contract to purchase a certain amount or more at a specific merchant for a certain period of time. A predetermined purchase contract, which includes a function to conclude a predetermined purchase contract, and the collected purchase contract information, and includes a predetermined amount of purchase of a specific product (or purchase amount) for a predetermined period of time, and / or information about a specific merchant available amount of money for a predetermined period of time. A function of generating purchase quantity (or amount) information, and when a predetermined purchase contract is concluded with a specific product vendor or a specific merchant based on the generated purchase amount (or amount) information, the specific product seller or the specific merchant 145 Predetermined contract terms and conditions (or corresponding contract terms) corresponding to a purchase contract with Is a predetermined IC chip interface or IC chip to store the function of generating a predetermined contract code and the contract condition information (or the predetermined contract code corresponding to the contract condition) in an IC chip provided in the client-owned payment means. It is characterized by recording a program for realizing a function provided to a terminal equipped with an interface.

Preferably, the program functions to process the contract condition information (or a predetermined contract code corresponding to the contract condition) in association with the client information and / or payment means information of the client and store the contract condition information in a predetermined storage medium 140. And notifying the at least one client terminal 150 of the contract condition information.

Preferably, the program is based on the contract condition information (or a predetermined contract code corresponding to the contract condition) previously stored in the IC chip when the customer purchases a product or a merchant that has already signed the purchase contract as the payment means. It is characterized in that it further implements a function to perform the payment processing according to the contract conditions, and a predetermined purchase contract between the specific product seller or the specific merchant server 100.

6 is a simple conceptual diagram of a payment means providing system according to a pre-purchase contract according to another preferred embodiment of the present invention.

6 may refer to FIGS. 3 and 4 described above. In the process of providing a payment method according to a pre-purchase agreement, the financial institution server 300 concludes a predetermined purchase contract with a specific product seller or a specific merchant. And generating predetermined contract condition information corresponding to the purchase contract, wherein the generated IC chip information is provided in at least one client-owned payment means that agrees to purchase the generated contract condition information according to the contract condition information. Characterized in that stored in.

The server 300 illustrated in FIG. 6 may inherit the function of the server 300 illustrated in FIG. 3, and in generating the contract condition information through a purchase contract with a specific product vendor or a specific merchant, an IC chip The contractual condition information can be generated in the form of an application (or data) that can be loaded into.

However, the server 300 shown in FIG. 6 may store the generated contract condition information (or a predetermined contract code corresponding to the contract condition) in an IC chip provided in the client-owned payment means that has made the purchase agreement. Characterized in that it further comprises an information providing unit provided to the terminal provided with the IC chip interface or IC chip interface.

Preferably, the contract condition information is product sales price condition information according to the contract condition to purchase a certain amount or a certain amount of a certain product for a certain period, and discount condition information according to the contract condition to purchase a certain amount or more from a specific merchant for a certain period of time. It may include at least one.

Referring to FIG. 6, the server 300 includes a card company server and / or a bank server, and the server 300 makes a predetermined purchase contract with a specific product vendor or a specific merchant 145 according to the present invention. Tighten (1).

Here, the purchase contract may include a contract to purchase a certain product or a predetermined amount or more for a certain period, and / or a contract to purchase a certain amount or more at a specific merchant for a certain period.

The server 300 generates predetermined contract condition information (or predetermined contract code corresponding to the contract condition) corresponding to the purchase contract (2), wherein the contract condition information includes a certain amount or It is preferable to include at least one item selling price condition information according to a contract condition to purchase a predetermined amount or more, and at least one discount condition information according to a contract condition to purchase a certain amount or more at a specific merchant for a certain period of time.

In addition, the contract condition information may be generated by a code (data or application) that can be mounted on an IC chip provided in a client payment means, wherein the contract condition code is stored in a storage medium in association with the contract condition information. desirable.

In addition, the server 300 receives a predetermined purchase agreement from at least one or more clients to purchase a specific product or to purchase at a specific affiliate store according to the contract condition, and for a predetermined period of time with the client making the purchase agreement. Enter into a certain purchase agreement, including a contract to purchase a certain amount (or a certain amount) of goods, and / or a contract to purchase a certain amount or more at a specific merchant for a certain period of time (3).

When a purchase contract is concluded with the client, the server 300 transfers the generated contract condition information (or a predetermined contract code corresponding to the contract condition) to an IC chip provided in the client-owned payment means which has made the purchase agreement. Save it (4).

When the client uses the card on which the contract condition information (or code) is loaded (5), the server 300 checks the contract condition information (or code) mounted on the client card (6). Payment processing is carried out so that the terms and conditions apply (7).

As described above, the contract condition information may be mounted in the form of a predetermined code on the IC chip of the client card in consideration of chip capacity, etc. At this time, the payment terminal in which the card is used is the contract condition of the IC chip. A code may be read and transmitted to the server 300, and the server 300 may apply contract payment based on the contract condition information corresponding to the contract condition code stored in the storage medium 140. Can be. In addition, the storage medium may be provided in the payment terminal and / or the VAN server, in this case, the payment terminal and / or VAN server checks the contract condition information read from the card 500, the confirmation result It may be provided to the server 300.

On the other hand, in order to implement the present embodiment, the server 300 may be provided with a recording medium that records a program for realizing a predetermined function.

Preferably, the recording medium has predetermined contract condition information (or predetermined contract code corresponding to the contract condition) corresponding to the purchase contract when a predetermined purchase contract is concluded between a financial company and a specific product seller or a specific merchant 145. And a function of receiving a predetermined purchase agreement from at least one or more client terminals 150 to purchase a specific product or to purchase at a specific merchant in accordance with the contract condition, and the generated contract condition information ( Or to provide a terminal having a predetermined IC chip interface or an IC chip interface to store a predetermined contract code corresponding to the contract terms) in an IC chip provided in the client-owned payment means that has made the purchase agreement. Characterized in that the program for recording.

Here, the program functions to process the contract condition information (or a predetermined contract code corresponding to the contract condition) in association with the customer information and / or payment means information of the client who has made the purchase agreement, and stores the contract condition information (or predetermined contract code) in a predetermined storage medium. And a function of notifying the contract condition information to the at least one client terminal 150, and the contract condition pre-stored in the IC chip when the customer purchases a product or a merchant that has already signed the purchase contract with the payment means. It is characterized by further realizing a function of making a payment process in accordance with the contract condition on the basis of the information (or a predetermined contract code corresponding to the contract condition).

In addition, the program may include a contract with a client agreeing to the purchase to purchase a certain amount (or a certain amount) of a certain product for a certain period of time, and / or a contract to purchase a certain amount of a certain amount of money at a specific merchant for a certain period of time. And a function of concluding a predetermined purchase contract and a function of processing the contract conclusion information in association with customer information and / or payment means information of the client and storing the contract conclusion information in a predetermined storage medium.

7 is an exemplary view showing the functional configuration of the IC card 500 according to the preferred embodiment of the present invention.

According to FIG. 7, the IC chip of the illustrated IC card 500 refers to a standard including ISO / IEC 7816 and / or ISO / IEC 14443, and includes a power supply (VCC), a reset signal (RST), and a clock signal. Communication with the payment terminal device (or card terminal device) (e.g. command or data exchange, etc.) via contact points such as (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O), etc. A processor unit 705 including at least one input / output interface 700, at least one computing element including a central processing unit (CPU), a micro process unit (MPU), a coprocessor, and / or the like, and a ROM ( The memory unit 710 may include at least one memory device including a read only memory (RAM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like.

In addition, at least one memory device (eg, a ROM) of the memory devices may store a Chip Operating System (COS) that manages and operates an internal resource of the IC card 100. VCC) When a predetermined power is supplied from the payment terminal device through the contact point, the COS stored in the memory unit 710 is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal CLK contact point. Controls the exchange of information or data between the IC chip and the payment terminal device through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz).

According to the present invention, in the memory unit 710 of the IC chip, a card user purchases predetermined contract condition information (for example, a predetermined amount or a predetermined amount or more for a predetermined period) according to a purchase contract with a specific product vendor or a specific merchant. Contract condition storage information (725) for storing product sales amount condition information according to the contract condition, and information including at least one discount condition information according to the contract condition to purchase a certain amount or more at a specific merchant for a certain period of time) It is characterized in that is stored.

More specifically, the contract condition storing information 725 may include a data storage unit 735 for storing a data set corresponding to predetermined information or data to be read and / or used by a terminal program of a payment terminal device. And / or may be driven or executed by an operation function of the processor unit 705 and an instruction set provided by the COS.

For example, the processor unit 705 stores the contract condition information (or a predetermined contract code corresponding to the contract condition) received through the interface unit 700 and stores the contract condition information in the IC chip. The contract condition information (or a predetermined contract code corresponding to the contract condition) may be provided to a predetermined payment terminal.

In addition, a program routine used by the terminal program (for example, a Java applet in the case of Javacard) is operated by the instruction call code and the processor unit 705 that interact with the instruction set of the COS. A processing unit 730 corresponding to an application including an execution code to be processed is provided, and the processing unit 730 reads a command provided from the terminal program via the input / output interface 700 through an APDU, and reads the reading. Read or record at least one or more information or data stored in the data storage unit 735 based on the received command, and output the result or read information or data through the input / output interface 700 through an APDU. It can be provided as a terminal program.

Also, the memory unit 710 of the illustrated IC chip may include a security structure based on ISO / IEC 10202. In this case, the memory unit 710 may store secret information such as a chip serial number (CSN). And a protection area, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. It would be desirable to store in areas other than areas and COS control areas.

In addition, referring to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 710 may include one master file (MF) corresponding to a root file, and the master file. ATR (Answer To Reset) including function information on at least one stored information at a lower portion, at least one dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the contract condition storage information according to the present invention comprises the file structure as described above It would be desirable.

8 is an exemplary data structure of a predetermined element file recorded on the IC card 500 according to the preferred embodiment of the present invention.

Referring to FIG. 8, when the contract condition information (or contract code corresponding to the contract condition) generated in the server 300 is stored in the IC card 500 as an element file according to FIGS. 5 to 6 described above. In FIG. 8, a contract code corresponding to a contract condition is stored in consideration of IC chip capacity and the like.

According to FIG. 8, the illustrated element file may include a customer name, specific product merchant identification information, payment means information, contract information code, contract condition information code, and the like, but this embodiment helps to understand the present invention. Since the present invention has been presented for the purpose of limitation, the person skilled in the art will realize the present invention without departing from the spirit of the present invention.

The customer name is a real name of the card user, and may be made of 15-byte English characters including null characters. According to a preferred embodiment of the present invention, a predetermined payment terminal device (eg, a contract term code) Terminal device having contract condition information, etc.) may be used when checking the contract condition information of the customer.

The specific product merchant identification information is unique information for identifying a specific product seller or a specific product merchant that has entered into a contract with the server 300, according to a preferred embodiment of the present invention, the business registration number assigned by the tax office, etc. And / or the corporate registration number assigned by the company registration office, etc. are shown, but may be a unique code provided separately from the server 300.

The specific product affiliated store identification information is product sales amount condition information according to a contract condition for purchasing a specific product or a predetermined amount or more for a predetermined period of time with the server 300 according to the present invention, and for a predetermined period or more at a certain merchant. When the card user uses a payment terminal device provided in a specific product seller or a specific product merchant having a predetermined contract to purchase, the card user can extract and use the payment terminal device.

The payment means information may be a card issued by the server 300 according to a preferred embodiment of the present invention, and may be a number or code for a payment means associated with the contract condition information.

The contract information code includes a contract to purchase a certain amount (or a certain amount) or more of a certain product for a certain period of time with the client (customer), and / or a contract to purchase a certain amount or more of a certain amount of merchants for a certain period of time. Code generated to correspond to the contract conclusion information.

The contract condition information code is generated according to the conclusion of a predetermined purchase contract with at least one specific product seller or a specific merchant, and the product sales amount condition information according to the contract condition for purchasing a certain amount or a predetermined amount for a certain period of time; For example, the code is generated to correspond to the contract condition information including at least one or more discount condition information according to a contract condition for purchasing a predetermined amount or more at a specific merchant for a predetermined period of time.

According to a preferred embodiment of the present invention, the contract information code and the contract condition information code may be extracted through a payment terminal device interworking with the IC chip, and the contract information corresponding to the contract information code and the contract condition information code. And when the contract condition information is provided in the payment terminal device, the contract information and the contract condition information corresponding to the contract information code and the contract condition information code, which are confirmed through the payment terminal device, and / or the like, are displayed on the server 300 on the network. Alternatively, when provided in the storage medium 140, it is transmitted to the server 100 through the payment terminal device can be confirmed by the server 300.

According to the present invention, a contract between a server and a client and / or a specific product vendor (or merchant) to purchase a certain amount (or a certain amount) or more of a certain product for a certain period of time, and / or to purchase a certain amount or more at a specific merchant for a certain period By signing a contract, financial companies can reduce the cost of developing new products and provide new incentives to customers to secure superior customers.

In addition, financial firms can secure card users in advance to increase card usage.

In addition, the company (specific product sales company or merchant) has the advantage that it can be guaranteed to secure sales from financial companies.

Claims (8)

Generating a predetermined contract condition information (or a predetermined contract code corresponding to the contract condition) corresponding to the purchase contract when a predetermined purchase contract is concluded between a financial company and a specific product seller or a specific affiliate store; Receiving a predetermined purchase agreement from at least one client terminal to purchase a specific product using a specific payment method or to perform a purchase at a specific affiliate store using a specific payment method according to the contract condition; And A predetermined IC chip interface or an IC chip interface is provided to store the generated contract condition information (or a predetermined contract code corresponding to the contract condition) in an IC chip included in a client-owned specific payment means that has made the purchase agreement. And a program for realizing a function provided to the terminal. delete delete According to claim 1, wherein the program, When the customer purchases a product or a merchant that has already signed the purchase contract as the payment means, And a function of performing payment processing in accordance with the contract condition on the basis of contract condition information (or a predetermined contract code corresponding to the contract condition) previously stored in the IC chip. delete delete delete delete

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