KR102074443B1 - Server and client of paying using main card information - Google Patents

Abstract

The present invention relates to a server and a client for performing a payment using mainly transacted card information. According to an embodiment of the present invention, a customer management server comprises: a database unit including a user information table including user identification information, a benefit information table including the user identification information, and a mainly transacted card information table including a user identification number and card information; a communication unit communicating with a payment client and a portable terminal; and a central control unit for controlling the database unit and the communication unit, encoding a part of a card number in the card information stored in the main transacted card information table with a one-way hash function to store the same in the mainly transacted card information table, and extracting the user identification information by searching for the card number from the mainly transacted card information table using a result obtained by encoding a part of the card number with the one-way hash function when the communication unit receives the card number from the payment client or the portable terminal.

Description

SERVER AND CLIENT OF PAYING USING MAIN CARD INFORMATION}

The present invention relates to a server and a client that pays using house card information.

In addition to the increase in single-person households, there are a growing number of stores offering a variety of goods and services. In addition, due to the increase in the number of stores, competition between stores increases, and inflow of buyers into the stores is attempted in various ways to provide various economic benefits to the buyers.

In addition, with the rapid development of mobile communication technology, the popularization of portable terminals such as smartphones has been made, and many people have portable terminals. In the past, mobile terminals were able to simply transmit voice calls and text messages, but now they are expanding their functions, such as taking pictures and videos, playing music files, and connecting to wireless Internet.

Recently, applications that can be installed on smartphones have been developed to provide various benefits, but most of these applications store coupons by accumulating numerically the user's payment characteristics and the number of times of use. There is a lack of incentives.

Therefore, in order to provide buyers with various purchase needs and economic benefits, it is necessary to provide various payment methods. In addition, the buyer needs a technology for checking the purchase results and benefits in real time.

The present invention can be applied to the benefit information on payment in the payment process based on the main transaction card.

In the present invention, if you pay with the registered house card card payment store information to the app through the server Or, if the app is not in the same store or send a notification message to provide stability of the payment.

The present invention aims to enhance the security of personal information by preventing the entire trading card number from being stored in identifying a user using the registered trading card.

The problem to be solved by the present invention is not limited to the above-mentioned problems, other problems that are not mentioned here will be clearly understood by those skilled in the art from the following description.

Payment client using the main transaction card information according to an embodiment of the present invention, the communication unit for communicating with the customer management server and the card company server, the interface unit for outputting the received information and the selection of the output information, input the card information Controls the receiving card reader, the communication unit and the interface unit and the card reader, and after the card reader receives the card information of the first card, the communication unit transmits the card information of the first card to the customer management server, The card company outputs the benefit information and the user identification information to the interface unit. It includes a payment control unit for controlling to transmit to the server.

Customer management server using the trading card information according to an embodiment of the present invention, the user information table including the user identification information, the benefit information table including the user identification information, the trading card information table including the user identification number and card information The database unit, the payment client, the communication unit for communicating with the mobile terminal, and the database unit and the communication unit for controlling the portion of the card information of the card information stored in the main transaction card information table by encrypting the main transaction card information table by one-way hash function And a central control unit for retrieving a user identification information by searching a main transaction card information table using a result of encrypting a part of the card numbers by a one-way hash function when the communication unit receives the card number from the payment client or the mobile terminal. .

When the embodiment of the present invention is implemented, benefit information on payment may be applied in the payment process based on the main transaction card.

When the embodiment of the present invention is implemented, when the payment is made with the registered main trading card, payment store information may be transmitted to a server communicating with the app, or when the app is not in the same store, a notification message may be transmitted to provide stability of payment.

When embodying an embodiment of the present invention, in identifying a user using a registered trading card, the entire trading card number may not be stored, thereby increasing the security of personal information.

The effects provided by the present invention are not limited to the above-mentioned effects, and other effects not mentioned herein will be clearly understood by those skilled in the art from the following description.

1 is a view showing a process of storing the main trading card information in the CRM server using the app according to an embodiment of the present invention.
2 is a diagram illustrating a process of storing main transaction card information in a server by using a client device that performs a payment of an offline store according to an embodiment of the present invention.
3 is a diagram illustrating a database structure of a server according to an embodiment of the present invention.
4 is a diagram illustrating a payment process using a main transaction card according to an embodiment of the present invention.
5 is a diagram illustrating a processing process when a user registers a plurality of housekeeping cards according to an embodiment of the present invention.
6 is a diagram illustrating a process of making a payment using an application according to an embodiment of the present invention.
7 is a diagram illustrating a configuration of a database in which user benefit information is stored according to an embodiment of the present invention.
8 is a view showing the configuration of a payment client according to an embodiment of the present invention.
9 is a view showing the configuration of the customer management server 300 according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only the present embodiments to make the disclosure of the present invention complete, and common knowledge in the art to which the present invention pertains. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

In order to clearly describe the present invention, parts irrelevant to the description are omitted, and like reference numerals designate like elements throughout the specification. In addition, some embodiments of the invention will be described in detail with reference to exemplary drawings. In adding reference numerals to components of each drawing, the same components may have the same reference numerals as much as possible even though they are shown in different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description may be omitted.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are only to distinguish the components from other components, and the terms are not limited in nature, order, order or number of the components. When a component is described as being "connected", "coupled" or "connected" to another component, that component may be directly connected to or connected to that other component, but between components It will be understood that the elements may be "interposed" or each component may be "connected", "coupled" or "connected" through other components.

In the following, the payment process based on the house card is applied to receive the benefits of payment.If you pay with the registered house card, the payment store information is sent to the app, or if the app is not in the same store, a notification message is sent to the We will look at the configuration and operation of the server and payment client that provides stability. In addition, in the present specification, in identifying the user using the registered trading card, the entire trading card number may not be stored, thereby increasing the security of personal information.

1 is a view showing a process of storing the main trading card information in the CRM server using the app according to an embodiment of the present invention.

The mobile terminal 100 includes an interface unit capable of communicating with a smartphone, a tablet computer, and the like and outputs information, and includes various types of devices that can be carried by a user.

The mobile terminal 100 may store and execute an application having a function of registering and using the user's main trading card information or storing and providing user identification information. By executing the application, the mobile terminal 100 receives identification information from the user (S1). Prior to inputting the identification information, the mobile terminal 100 may selectively perform a subscription process.

In the sign-up process, the user may enter information such as name, gender, date of birth, mobile phone number, e-mail, address, etc., which the mobile terminal 100 or the computer transmits to the CRM server 300, and the result of the registration CRM server 300 transmits that the completion is completed.

The CRM server 300 is a server that stores and manages information about a user, and stands for a customer relationship management server or a customer management server. Hereinafter referred to as a CRM server to refer to the customer management server.

In addition, the user may log in to the application using the user identification information set during the subscription process.

The user identification information may include an ID, a user customer number, and the like. Alternatively, in addition to the identification information of the user, the input password information and the identification information (phone number, etc.) of the portable terminal may also be transmitted in step S2.

The identification information of the input user is transmitted by the mobile terminal to the CRM server 300 (S2). As a result of the transmission, the CRM server 300 verifies the identification information of the received user, and if the verification result is a normal user, the CRM server 300 checks the registration state information of the registered trading card in the database based on the user identification information. Extract (S3).

And CRM server 300 transmits the registration status information of the extracted main trading card (S4). At this time, the registration status information may include card information which is not encrypted among card information stored in the database unit.

The application of the mobile terminal 100 outputs the information received in S4, and additionally outputs information for registration of the main transaction card (S5). A screen for inputting a card number may be output from the mobile terminal 100. Here, the user inputs the card information so that the mobile terminal 100 obtains the card information (S5).

At this time, the input of the card information can be applied to a variety of input methods, such as the user directly inputs the serial number of the card on the screen and the method of automatically recording the card serial number of the card by using the camera.

The method of photographing a card with a camera is an embodiment in which a serial number of a card is input to an application by recognizing a number written on the card using a technology such as optical character recognition (OCR).

Alternatively, the mobile terminal 100 may automatically receive information on a payment card based on near field communication or a wireless communication method provided by the mobile terminal 100.

The mobile terminal 100 acquires card information in various ways and transmits the acquired card information and user identification information to the CRM server 300 (S6).

The CRM server 300 encrypts the received card information and stores it in a database (S7). In this case, some of the card information may be encrypted and some of the card information may not be encrypted. In one embodiment, configuring the card information may be a card number, a card expiration date, etc. Some of the card numbers may not be encrypted.

The first six of the card numbers are of low importance for identifying an individual, such as information about the country that issued the card, information about the card issuer, or information about the type of card member. Therefore, the CRM server 300 may store a part of the first digit of the card number in the database as it is.

The rest of the card number (for example, the seventh to sixteenth numbers) is encrypted and stored using a one-way encryption algorithm. For example, the CRM server 300 encrypts a part of the card number through a hash function and stores it in a database.

Thereafter, the CRM server 300 extracts registration state information of the main trading card including the added main trading card from the database (S8) and transmits it to the mobile terminal 100 (S9). The transmission result portable terminal 100 displays the registered main transaction card on the screen (S10).

It is possible to register the main transaction card through the process as shown in FIG. In addition, the user can check the registered main transaction card information based on the process of S1, S2, S8, S9, S10 through the mobile terminal (100).

Alternatively, once the mobile terminal 100 registers the main transaction card, the user may check the main transaction card without accessing the CRM server 300 by storing information about the main transaction card in the application of the mobile terminal 100. That is, when the information about the main transaction card is registered in the storage space in the mobile terminal 100, the application of the mobile terminal 100 checks the information stored in the mobile terminal 100 without accessing the CRM server 300 and performs the main transaction. You can check the information about the card.

In addition, the user may set a name for the main trading card in the process of storing the main trading card. This makes it easier to check the card when the user registers a large number of housekeeping cards. The set name may be stored in the database of the server 100.

FIG. 2 is a diagram illustrating a process of storing main transaction card information in a server using a client device that performs a payment of an offline store according to an embodiment of the present invention. This shows a process in which a user visits an offline store and registers a main transaction card in the CRM server 300 using the payment client 200 installed in the store.

The user identification information is input to the payment client 200 disposed in the offline store (S12), information output for registering the main trading card and card information are input (S13).

When the user holds the mobile terminal 100 and the application is installed, S12 may proceed to the process S11 of providing the user identification information to the payment client 200 through the user's application. If the user identification information is displayed on the mobile terminal 100 using a barcode, a QR code, or the like, the barcode reader or the QR code reader of the payment client 200 may read the code displayed.

S13 may proceed through a card reader of the payment client 200. In particular, in addition to the magnetic card reading method, the card reader may be applied to an IC card reading method, a card reading method through NFC or wireless communication, or a reading method through a cyber card stored in the mobile terminal 100.

The payment client 200 transmits the information input in S12 / S13 to the CRM server 300. The server encrypts and stores the card information using the transmitted information (S15). This process may be performed in the same manner as the S7 process.

The CRM server 300 transmits the processing result to the payment client 200 (S16). In addition, the processing result is also transmitted to the user's portable terminal 100 (S17) so that the user can confirm the final processing result of the main transaction card registration.

3 is a diagram illustrating a database structure of a server according to an embodiment of the present invention.

The database includes a user information table 301 and a trading card information table 302. The database of FIG. 3 may constitute an integrated membership information system for users of multiple stores.

The user information table 301 is information generated when a user registers, and includes user identification information (UID), name (NAME), date of birth (BIRTHDAY), phone number (PHONE), gender (GENDER), and email. Information such as (EMAIL) is stored for each user.

The main trading card information table 302 stores one or more main trading card information for each user.

It consists of an unencrypted card number CARD_NUMBER, an encrypted card number CARD_ENCR_NUMBER, and a card name CARD_NAME based on the user identification information UID.

The unencrypted card number CARD_NUMBER means card information stored without encryption. In one embodiment, the first part of the card number (for example, six digits) is a number assigned by card (or country and member type) rather than personal information, and thus the number is stored without encryption. Some card numbers stored without encryption are referred to as IIN (Issuer Identification Number) or BIN (Identification Number).

On the other hand, the encrypted card number CARD_ENCR_NUMBER means information encrypted in one direction. You can use the hash function. In one embodiment, some of the later digits of the card number (eg, numbers after the seventh) are encrypted and stored for the protection of personal information.

The hash function, which is an embodiment of the one-way encryption algorithm, cannot infer the original information through the encrypted information, but encrypting the original information means that the same encrypted result is obtained. Instead, since the original information cannot be extracted from the encrypted information, the card number itself is not stored.

For example, assume that the "GSR H card" number of the user whose UID is abcd1234 is "0123 2531 1234 1234". The first six digits of the card "0123 25" are stored unencrypted. The seventh and subsequent information "31 1234 1234" of the card stores "fjkfsdjlgsls23sdfs243lfdsal", which is a result of inputting a hash function. The result is stored separately from the unencrypted card number (CARD_NUMBER).

Also, information "31 1234 1234" after the seventh of the cards inputted to the hash card is not stored in the database.

As a result, if there is a card number transmitted in the payment process, the CRM server 300 retrieves the first six digits of the card number as it is, and the back digit retrieves the result calculated by putting it into a hash function, so that only part of the card number is stored and whether it is the main transaction card. You can check. That is, while protecting the user's main card information, it is possible to check whether or not the main card when the user's main card payment.

Also, as shown in the main trading card information table 302, a plurality of main trading cards can be registered in correspondence with the user identification information. The CRM server 300 may limit the number of main trading cards that can be registered (for example, three or five, etc.). Alternatively, the CRM server 300 may not limit the number of registered main trading cards.

In this case, if the user has a card with a higher payment benefit through the payment client when paying for the card, the user may select and perform payment again.

The main transaction card information table 302 may further store various information related to payment. Benefit information, discount information, etc. at the time of payment may be stored for each card or may be separately stored in the CRM server (300).

In addition, the user information table 301 may store information to be applied at the time of payment, such as discount benefits, ratings, points, carrier discounts, mobile discounts, etc. together with user information.

In particular, simply register the user's payment card based on OCR card information is securely stored in the system. In particular, since some of the card information is encrypted to store the result value of the hash function, the user information can be identified at the time of the card payment without storing the entire card number.

In addition, the user information table 301 of FIG. 3 may store some type of membership account information, particularly when a number of stores provide points to one membership account, such as a franchise, a convenience store, a large discount mart, or the like. The present invention can be applied even if a choice is given for each card.

4 is a diagram illustrating a payment process using a main transaction card according to an embodiment of the present invention.

The payment client 200 receives card information through a card reader (S21). Then, the received card information is transmitted to the CRM server 300 (S22). In S22, not only the card number but also information on the goods to be paid, or information such as the amount to be paid, and information about the payment shop may be transmitted together with the card information. Of course, the information about the payment store may be transferred by the payment client 200 in a different process from S22.

Upon receiving the card information including the card number, the CRM server 300 generates a hash result by applying a hash function to an encrypted portion of the received card information (S23). In addition, the CRM server 300 extracts the user identification information extraction with the information on the non-encrypted portion of the card information and the hash result calculated in S23 (S24). For example, the CRM server 300 receiving the card information including the card number "0123 2531 1234 1234" is a hash result calculated by applying a hash function to the information "31 1234 1234" after the seventh of the cards. "fjkfsdjlgsls23sdfs243lfdsal" and the first six digits of the card "0123 25" are searched in the main trading card information table 302 of FIG. 3 to confirm that the UID is "abcd1234".

The CRM server 300 extracts UID "abcd1234" as user identification information and extracts benefit information corresponding thereto (S25). The benefit information may be variously configured by way of example.

First, the benefit information includes information on whether coupons or points allocated to the UID of "abcd1234" can be used. Contains exclusive benefit information provided directly to the user. In addition, the product information already stored by the user (for example, product information previously purchased or stored as exchangeable by receiving a gift) is also included in the benefit information.

In addition, the benefit information includes additional earned points or cyber money at the store. In addition, the benefit information includes additional earned points, cyber money, or discount amount according to the purchase of a specific product.

Next, the benefit information includes information about the affiliate discount. Carrier membership discount information or card affiliate discount information.

Next, benefit information specific to the store is also included in the embodiment of the present invention. For example, the benefit information includes information about a discount or an extension product that can be used at a store to be paid.

The CRM server 300 extracts the benefit information based on the corresponding user identification information or the identification information of the store to be paid, and then transmits the user identification information and the benefit information to the payment client 200 (S26).

The payment client 200 outputs the received information to the interface window. For example, a selling price, benefit information (amount, coupon, point application, etc.), a final payment scheduled amount, and the like may be output. Here, the user identification information may or may not be output only for security.

Benefit information outputs information such as discounts and available coupons at the time of payment. In addition, the payment client 200 calculates the final payment amount by automatically reflecting the benefit information selected by the user or the benefit information, and transmits the final payment amount and the card information to the card company server 500 (S32). The final payment amount may be an amount less than the original payment amount by applying the benefit.

The card company server 500 proceeds with the payment based on the received information and transmits the payment completion information to the payment client 200 (S33). After confirming that the payment is completed, the payment client 200 transmits payment completion information, applied benefit information, and user identification information to the CRM server 300 (S36).

The CRM server 300 updates the user information table 301 by reflecting the payment result in response to the user identification information (S37). When the coupon is used, the coupon used in response to the user identification information is deleted. If the earned points occur, add the reserve in response to the user identification information.

In addition, the CRM server 300 transmits payment completion information, applied benefit information, updated benefit information, etc. to the user's mobile terminal 100 (S38). CRM server 300 may send a text message to the mobile terminal (100). Alternatively, the CRM server 300 transmits a push message to an application installed in the mobile terminal 100 so that the information received by the application installed in the mobile terminal 100 may pop up on the screen.

According to the embodiment of FIG. 4, when the payment client 200 of the store receives the card information of the card held by the user and transmits it to the CRM server 300, some of the transmitted card information is matched through hash processing. To identify individuals. In addition, when the user information of the card to be paid is identified, the CRM server 300 automatically provides the payment client 200 with benefit information such as a coupon, a point, and a gift.

The payment client 200 may output the benefit information through a screen so that the user can check the information, and when the user selects specific benefit information or automatically deducts the payment without additional selection, the payment information may be applied to the payment. Benefit information includes coupons, point applications, and the like.

In addition, the CRM server 300 transmits the benefit information applied in the payment process to the mobile terminal 100 of the user so that the user can immediately check. In other words, even after paying only with the card, the app displays the payment result and benefit information such as points and rewards.

5 is a diagram illustrating a processing process when a user registers a plurality of housekeeping cards according to an embodiment of the present invention. In the case of the same reference numeral as in Fig. 4, the same operation as in Fig. 4 replaces the description of Fig. 4.

In the flow of FIG. 5, the payment client 200 receives card information (S21), and the payment client 200 transmits the information to the CRM server 300 (S22). The CRM server 300 extracts user identification information as card information at step S23 / S24. As a result of extracting the user identification information, the CRM server 300 extracts other registered trading card information and benefit information corresponding to the user identification information (S25a).

For example, referring to 302 of FIG. 3, when the "GSR H card" information of the user abcd1234 is transmitted, the CRM server 300 confirms that the "AMEX card" of the same user is also registered as the main transaction card. In addition, the benefit information of the "AMEX card" and the benefit information of the "GSR H card" may be different according to the promotion of the card partner.

The CRM server 300 transmits the extracted main trading card information, the benefit information, and the user identification information to the payment client 200 (S26a). At this time, in order to protect the user's personal information, only part of the name CARD_NAME of the card set by the user may be transmitted. For example, "AMEX card" may be transferred to "A **** card".

The payment client 200 outputs other main transaction card information and benefit information to the interface window (S31a). The user checks the case where more benefits are given or other kinds of benefits to determine whether to change the payment card (S31b). If the payment card is changed to an "AMEX card", the user may provide the "AMEX card" to the store again. The payment client 200 of the store starts the step of S21 again. However, since the main transaction card has been received and the payment has been attempted with the changed card, the steps S21 to S38 of FIG. 4 may be performed as it is.

That is, if the information of the principal card is entered more than once within a predetermined time in the same payment client 200, even if there is another principal card of the user identified as the principal card, the CRM server 300 provides information of another principal card. You can't. This reflects the fast payment and the user's willingness to use the card.

Next, if the payment card is not changed in S31b, the payment client 200 calculates the final payment amount by reflecting the benefit information when the payment is selected as the main transaction card in S21 (S31c), and the steps S32 to S38 described in FIG. Proceed.

According to the embodiment of FIG. 5, a payment client 200 such as a POS may provide a benefit to a user by outputting information of another house card of the user, which is provided with a higher benefit to the user during a card payment process. .

4 and 5, the user-set main transaction card can be used for payment at any time online / offline, and in particular, payment information according to membership can be automatically applied even in offline payment.

4 and 5, when there is no matching user identification information in the process of paying for the card, the payment client 200 may output a voice message / video message or the like for a card registration or user identification information registration. . For example, if there is no user identification information matched by the CRM server 300 in S24, the payment client 200 may output a message for inducing registration to the main transaction card using the interface unit.

If the above embodiment is applied, credit card, check card, prepaid card, etc. are easily recognized on / off line and encrypted in the CRM server 300 to increase the convenience of payment. After that, when you pay with the card, you can automatically provide membership benefits to the user.

In particular, by using the user's registered trading card card can automatically reflect the benefits (discounts / credits) in the payment process without having to run the app separately or submit the user identification information to the store at the time of payment can increase the convenience.

In addition, in the embodiment of FIG. 5, when a plurality of trading cards are identified through user identification information, the CRM server 300 may selectively provide other trading card information. For example, a user USER1 who registers the main trading cards A and B may pay with the "A" card. At this time, the CRM server 300 also confirmed the "B" card as the main transaction card of USER1 through the card "A". However, if the benefit of the "A" card is higher, the CRM server 300 does not provide the payment client 200 with information that the "B" card is the main transaction card.

Conversely, if the card company of the "B" card offers a discount event, or if the benefit of the "B" card has expired (for example, one week or shorter than the benefit of the "A" card), "A" In order to induce the payment of the "B" card instead of the "card", the CRM server 300 provides the payment client 200 with information that the "B" card is the main transaction card.

6 is a diagram illustrating a payment process using an application according to an embodiment of the present invention. In the app of the mobile terminal 100, select a product to purchase and input the card information for payment (S21c). After the input, the user identification information and the card information by the application are transmitted from the mobile terminal 100 to the CRM server 300 (S22c). Since S23, S24, S25 processes that operate in the CRM server 300 is as described above in FIG. The CRM server 300 extracts the benefit information and transmits the user identification information and the benefit information to the mobile terminal 100 (S26c).

Here, S23 and S24 may be omitted because the user identification information is transmitted from the mobile terminal 100. However, the user identification information is transmitted, and the CRM server 300 may perform steps S23 and S24 in order to confirm whether the transmitted card information is a main trading card of the corresponding user.

Benefit information is output to the interface window of the mobile terminal 100, and the final payment amount is calculated by reflecting the benefit information according to the user's selection (S31c). And the final payment amount and card information is sent to the CRM server 300 for payment (S32c), the CRM server 300 again delivers the final payment amount and card information to the card company server 500 (S32d).

When the card company server 500 transmits the payment completion information (S33c), the CRM server 300 updates the user information table according to the payment result in response to the user identification information (S37). In addition, the payment completion information and the applied benefit information is transmitted to the mobile terminal 100 (S38c), and the user can confirm this.

In the embodiment of FIG. 6, when the user registers the trading card, the CRM server 300 provides the user with appropriate benefit information without providing the user with the benefit information of each trading card so that the use of the specific trading card provides the benefit. The user can confirm that they can. And according to the user's choice, the payment can be performed using the high-priority main trading card.

Benefits are, for example, a membership discount, a carrier discount, a seller discount, and point accumulation provided in response to the main transaction card.

In addition, after the settlement of the card company server 500, the CRM server 300 transmits the applied benefit information reflecting the payment result to the mobile terminal 100, so that the user can check the payment benefits in real time.

In addition, when the user's information is confirmed using the main transaction card, the product benefits assigned to the user may also be checked in an offline store or an online channel. For example, as a benefit provided to a user, an exchange ticket of a product received from another user, or an exchange ticket of a product previously purchased by the user may be provided as benefit information.

In this case, when the user information is confirmed by the main transaction card, the payment client 200 or the mobile terminal 100 of the offline store may provide as a notification message that the user has a free exchange voucher.

7 is a diagram illustrating a configuration of a database in which user benefit information is stored according to an embodiment of the present invention. The benefit information table 305 in which the benefit information is stored includes a type and details of benefits provided for each user. The type consists of card benefit information (CARD_ADV), points (POINT), exchange tickets (EXCHANGE), carrier discount (TELECOM), etc. The type of benefit information can be added in various ways.

Details may be composed of the card name and the discount rate (%) or points earned set by the user. In the case of a carrier discount, the discount rate (10%) at the carrier is included. In the case of an exchange ticket, it means a product that a user can acquire without a separate payment. For example, the serial " 0003 " indicates the benefit information for the exchange ticket in which the user with the UID " abcd1234 " can acquire the hamburger without paying. The serial " 0004 " indicates the benefit information for the exchange voucher of bottled water presented by the user whose UID is " abcd1234 ". The user presented here has a UID of "gsr7890".

Therefore, since the benefit information is stored in the database of the CRM server 300 for each user as shown in FIG. 7, when the user attempts to make a payment with the main transaction card, an application of the payment client 200 or the mobile terminal 100 of the offline store. Benefit information extracted as user information corresponding to the main trading card is provided, such as S26 or S26a and S26c. This allows the user to always check the available benefit information when he or she tries to pay with the house card without having to remember the benefits available to him / her each time.

In addition, when a user makes a payment using a housekeeping card, an additional new benefit may be presented to other users. For example, there is benefit information additionally provided to the user due to the purchase of the product, and this benefit information may be held by the user or presented to another user.

8 is a diagram showing the configuration of a payment client according to an embodiment of the present invention.

The payment client 200 includes a communication unit 210, an interface unit 220, a card reader 230, and a payment control unit 250.

The communication unit 210 communicates with the customer management server 300 and the card company server 500. The interface unit 220 outputs the information received by the communication unit 210 and receives a selection of the output information. A display screen capable of a touch screen or a display screen combined with a keyboard input is an embodiment of the interface unit 220.

The card reader 230 receives card information such as a magnetic card and an IC card. There are various methods of receiving card information, and the present invention is not limited thereto.

The payment control unit 250 controls the communication unit 210, the interface unit 220, and the card reader 230. In addition, after the card reader 230 receives the card information of the first card, the payment control unit 250 controls the communication unit 210 to transmit the card information of the first card to the customer management server 300.

The payment control unit 250 outputs the benefit information and the user identification information received by the communication unit 210 to the interface unit 220.

In addition, the payment controller 250 may determine the final payment amount to which the benefit information is applied and the card information of the first card or the card information of the second card received by the card reader 230 according to the selection input to the interface unit 220. 210 controls to transmit to the card company server 500.

Here, the first card is the first trading card presented by the user, and the second card is a card provided for the user to check the benefit information output from the interface unit 220 and calculate the new trading card.

When the communication unit 210 receives the payment completion information of the first card or the second card from the card company server 500, the payment control unit 250 receives the benefit information according to the input selection and the first card or second applied to the payment. The card information of the card is transmitted to the customer management server 300. Thereafter, the process of updating the user information table by the customer management server 300 and notifying the mobile terminal 100 of the payment information is as described with reference to FIGS. 4 and 5.

9 is a diagram showing the configuration of the customer management server 300 according to an embodiment of the present invention. The customer management server 300 is composed of a database unit 310, the communication unit 320, and the central control unit 350. Tables constituting the database unit 310 have been described with reference to FIGS. 3 and 7.

The database unit 310 includes a user information table 301 including user identification information, a benefit information table 305 including user identification information, and a trading card information table 302 including a user identification number and card information. do.

The communication unit 320 communicates with the payment client 200 and the mobile terminal 100.

The central controller 350 controls the database 310 and the communicator 320. In addition, the central controller 350 encrypts a part of the card number of the card information stored in the main trading card information table 302 by using a one-way hash function and stores the card number in the main trading card information table. In 302 of FIG. 3, it can be seen that the card number itself is not stored as "CARD_ENCR_NUMBER".

In addition, when the communication unit 320 receives the card number from the payment client 200 or the mobile terminal 100, the central control unit 350 uses a result of encrypting a part of the card number with a one-way hash function to generate a main transaction card information table ( In step 302, the user identification information is extracted.

The case where the customer management server 300 according to an embodiment receives the information of the main transaction card from the payment client 200 will be described.

The communication unit 320 receives the product information and the card information from the payment client 200. The central control unit 350 retrieves the user identification information by searching the main transaction card information table 302 using the received card information. The central controller 350 searches for and extracts one or more benefit information from the benefit information table 305 using the extracted user identification information.

In addition, the communication unit 320 transmits the benefit information together with the user identification information to the payment client 200. This process has been described in S23 to S26 of FIG. 4.

Meanwhile, as shown in FIG. 5, the central control unit 350 may confirm that the main transaction card information included in the extracted one or more benefit information is different from the received card information.

In this case, the communication unit 320 transmits the benefit information including the new trading card information to the payment client 200 together with the user identification information.

In addition, the customer management server 300 may recommend an exchange ticket or a special discount product when the extracted benefit information is an exchange ticket or a special discount product.

For example, the central controller 350 checks a case where the similarity between the product information included in the extracted one or more benefit information and the product information transmitted for payment is high. For example, if the user's benefit information has a "hamburger exchange voucher," and the goods sent for payment are also "hamburger" or "sandwich", it is confirmed that the degree of similarity of the goods is high.

Alternatively, if the product information sent for payment is "1 bottle of mineral water 500ml", and the benefit information of the user has "30% discount when two bottles of water 500ml", it is confirmed that the degree of similarity of the product degree is high.

The central control unit 350 transmits the benefit information including the product information to the payment client 200 together with the user identification information so that the user can select it.

In addition, when the information on the main transaction card is received, the customer management server 300 may determine whether the card is stolen or misused by extracting the user identification information and confirming the location of the user. For example, the central controller 350 may calculate the location of the mobile terminal in which the logged-in application is installed using the extracted user identification information.

And it compares the position of the payment client 200 (location of a store), and confirms whether it differs. If different, the central control unit 350 may determine that the payment is in progress at a place where the main transaction card is different from the user's location.

In this case, the communication unit 320 may transmit the product information and the card information to the mobile terminal 100 so that the user may check the card theft status.

4 and 5, an embodiment in which the mobile terminal 100 confirms benefit information after payment is described. To this end, the communication unit 320 receives a payment completion message applying the benefit information previously transmitted from the payment client 200. The communication unit 320 transmits the benefit information applied in the payment process to the mobile terminal in which the application logged in with the user identification information by using the user identification information under the control of the central control unit 350. It can be found in S38 and S38c.

Meanwhile, as described with reference to FIG. 6, payment may be performed in the mobile terminal. The communication unit 320 receives user identification information, product information, and card information from the first mobile terminal (S22c).

The central control unit 350 searches for and extracts one or more benefit information from the benefit information table using the transmitted user identification information (S25 of FIG. 6). In addition, the communication unit 320 may transmit the benefit information to the first mobile terminal 100 together with the user identification information or without the user identification information.

In the embodiment of FIG. 6, card theft can be confirmed. The user identification information retrieved from the main transaction card information table 305 using the card information received by the central controller 350 may be different from the user identification information received from the first mobile terminal. For example, the user identification information received by the first mobile terminal has a UID of "abbcd1234", and a result of applying the hash function to the received card information as a result of "Jkcva03klsj23980fkl". "Gsr7890" may be retrieved as the identification information.

In this case, the communication unit 320 may transmit the product information and the card information to the second mobile terminal in which the application logged in with the searched user identification information (“gsr7890”) is installed.

In the offline service environment, the user had to purchase a payment card after presenting a physical card or app that can be applied to a carrier's membership or membership benefits in order to receive a discount. Or, even if membership discount application and card payment through a simple payment app, it takes a long time to find and run the app and recognize it on the card terminal, suddenly the communication environment is difficult to use the problem occurred.

However, when applying the embodiment of the present invention, the customer can simply apply a variety of benefit information, such as carriers and brand membership benefits, exchange voucher even if the payment simply as usual by presenting only the card.

In the case of applying the present invention, when paying with a registered main transaction card, payment store information may be transmitted to the app, or when the app is not in the same store, a notification message may be transmitted to provide stability of payment.

In addition, when a product purchased in advance is stored with a registered main trading card or when a product is received from another person, it may be stored in the benefit information table 305 as benefit information of an exchange ticket. In addition, when the user pays with the main transaction card, the user can receive a product without paying an amount using an exchange ticket.

Of course, the benefit information (for example, points, vouchers, exchange vouchers, etc.) provided in the process of purchasing the product with the corresponding trading card may be presented to other users. This may be done in the payment client 200 or the mobile terminal 100.

When the embodiment of the present invention is implemented, benefit information on payment may be applied in the payment process based on the main transaction card.

When the embodiment of the present invention is implemented, when the payment is made with the registered main trading card, the payment store information may be transmitted to the app, or when the app is not in the same store, a notification message may be transmitted to provide stability of the payment. The payment store information is information for identifying a convenience store, a store, a mart, and the like, in which payment has been made, and includes code information and location information assigned to each store. This can confirm the location information of the payment client. Of course, payment client-specific information (identification information) may also be stored in the customer management server, and the customer management server may check the location of the user using payment client information instead of payment store information.

When embodying an embodiment of the present invention, in identifying a user using a registered trading card, the entire trading card number may not be stored, thereby increasing the security of personal information.

Methods according to an embodiment of the present invention can be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, and the like, alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from these descriptions. This is possible. It is to be understood that the foregoing embodiments are illustrative in all respects and not restrictive, the scope of the invention being indicated by the claims that follow, rather than the foregoing detailed description. And it is to be understood that all changes and modifications derived from the equivalent concept as well as the meaning and scope of the claims are included in the scope of the present invention.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined by the following claims and their equivalents.

100: mobile terminal
200: payment client
300: customer care server
500: card company server

Claims (10)

A database unit including a user information table including user identification information, a benefit information table including user identification information, and a main trading card information table including user identification numbers and card information;
A communication unit communicating with a payment client and a mobile terminal; And
Controls the database unit and the communication unit, encrypts a part of the card number among the card information stored in the main trading card information table by using a one-way hash function and stores the card number in the main trading card information table, and does not encrypt the remaining part of the card number. Stored in the main trading card information table, and when the communication unit receives the card number from the payment client or the mobile terminal, the main trading card using a result of encrypting a part of the card number by a one-way hash function and the remaining part of the card number. And a central control unit for retrieving user identification information by searching in an information table, wherein the remaining portion of the non-encrypted card number is an IIN (Issuer Identification Number) or BIN (Bank Identification Number). .
The method of claim 1,
The payment client
A communication unit which communicates with a customer management server and a card company server, an interface unit which outputs the information received by the communication unit of the payment client and receives the selection of the output information, a card reader which receives the card information,
Control the communication unit, the interface unit, and the card reader of the payment client, and after the card reader receives the card information of the first card, the communication unit of the payment client stores the card information of the first card. After transmitting to the management server, and outputs the benefit information and the user identification information received by the communication unit of the payment client to the interface unit, the final payment amount and the first card to which the benefit information is applied according to the selection input to the interface unit And a payment control unit for controlling the communication unit of the payment client to transmit the card information of the card or the card information of the second card received by the card reader to the card company server.
The method of claim 2,
When the communication unit of the payment client receives payment completion information of the first card or the second card from the card company server,
The payment control unit transmits the benefit information according to the input and the card information of the first card or the second card applied to the payment to the customer management server, customer management server using the trading card information.
The method of claim 1,
The communication unit receives the product information and card information from the payment client,
The central controller extracts user identification information by searching in the trading card information table using the card information, and retrieves and extracts one or more benefit information from the benefit information table using the user identification information.
And the communication unit transmits the benefit information together with the user identification information to the payment client.
The method of claim 4, wherein
The central control unit, when the trading card information included in the extracted one or more benefits information is different from the received card information, the communication unit transmits the benefit information including the trading card information to the payment client together with the user identification information. Customer management server using the transaction card information to transmit.
The method of claim 4, wherein
The extracted benefit information, the customer management server using the trading card information, including information on the exchange coupon or special discount products.
The method of claim 4, wherein
The central control unit compares the location of the mobile terminal in which the application logged in with the extracted user identification information and the location of the payment client are different.
And the communication unit transmits the product information and the card information to the mobile terminal.
The method of claim 4, wherein
When the communication unit receives a payment complete message applying the benefit information sent from the payment client,
And the communication unit transmits the applied benefit information to a portable terminal on which an application logged in with the user identification information is installed using the user identification information under the control of the central control unit.
The method of claim 1,
The communication unit receives the user identification information, product information and card information from the first mobile terminal,
The central controller searches for and extracts one or more benefit information from the benefit information table using the received user identification information.
And the communication unit transmits the benefit information together with the user identification information to the first mobile terminal.
The method of claim 9,
When the user identification information retrieved from the main trading card information table by the central controller using the received card information is different from the user identification information received from the first mobile terminal,
And the communication unit transmits the product information and the card information to a second mobile terminal in which the application logged in with the searched user identification information is installed.

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