KR102145489B1 - System for providing a trading platform between merchants and customers - Google Patents

Abstract

According to an embodiment of the present invention, a system for providing a transaction platform may comprise: a platform server providing points corresponding to deposited cash if the cash has been identified as being deposited from a customer, supporting such that payment is made with the points at a previously registered affiliated store, and generating advertisement based on customer information and affiliated store information to a customer terminal; and a customer terminal executing the advertisement received from the platform server.

Description

System for providing a trading platform between merchants and customers}

The present invention relates to a system for providing a trading platform between affiliated stores and customers. More specifically, the present invention relates to providing a platform that allows a customer who owns points to use goods and services through point payment at a predetermined affiliated store.

In general, in the payment field, points are a concept that is provided to consumers as rewards corresponding to a certain amount of payment, and these points are accumulated for a long period of time and then accumulated by the company that provided the points or other companies affiliated with the company that provided the points. Could be used for payment. These points have been mainly used as a means to secure regular customers, and for this reason, the service field in which points can be used is limited, and it is difficult to use services in various fields such as cash as points.

1) Published Patent Publication 10-2019-0015696 (System and method of advertising and point payment for local commercial areas)

An object of the present invention is to provide a platform for managing customers and affiliated stores in order to perform payment for goods and services in various fields using points.

An object of the present invention is to provide a customer-tailored affiliate store advertisement to promote purchase of customers based on customer information and sales-related information obtained from the affiliate store, and thereby increase the sales of the affiliate store.

The system for providing a trading platform according to an embodiment of the present invention provides points corresponding to the deposited cash upon confirmation of cash deposit from the customer, supports payment with the points at a previously registered affiliate store, and provides customer information and affiliate stores. It may be configured to include a platform server that generates an advertisement based on information and provides it to a customer terminal, and a customer terminal that executes the advertisement received from the platform server.

The present invention provides a system for providing a trading platform between affiliated stores and customers, thereby enabling customers to more conveniently provide membership-based services through various types of affiliated stores.

In addition, the present invention can build a transaction network using points. Accordingly, it is possible to transact or transmit non-cash points to others. Accordingly, it is possible to support foreigners and those with poor credit who have difficulty opening a bankbook to conveniently use services and perform money transactions using points.

In addition, since the present invention selects and provides an appropriate affiliate store advertisement to the customer, it is possible to promote active transactions between the customer and the affiliate store.

1 is a diagram illustrating a point delivery system in a point payment support system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a platform server 100 according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a consumption pattern calculation unit according to an embodiment of the present invention.
4 is a diagram showing the configuration of an affiliated store advertisement unit according to an embodiment of the present invention.
5 is a diagram showing the configuration of a consumption potential measuring unit according to an embodiment of the present invention.
6 is a diagram showing the configuration of an affiliated store device according to an embodiment of the present invention.
7 is a diagram showing the configuration of a customer terminal according to an embodiment of the present invention.
8 is a diagram illustrating a sequence of an advertisement operation according to an embodiment of the present invention.

In the present invention, various modifications may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail.

However, this is not intended to limit the present invention to a specific embodiment, it is to be understood as including all changes, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals have been used for similar elements.

When an element is referred to as being'connected' or'connected' to another element, it is understood that it may be directly connected or connected to the other element, but other elements may exist in the middle. Should be. On the other hand, when a component is referred to as being'directly connected' or'directly connected' to another component, it should be understood that there is no other component in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as'include' or'have' are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof does not preclude in advance.

Hereinafter, in order to schematically describe the structure of a point payment support system according to an embodiment of the present invention, reference will be made to FIG. 1.

1 is a diagram illustrating a point delivery system in a point payment support system according to an embodiment of the present invention.

As shown in FIG. 1, the point payment support system according to an embodiment of the present invention includes a platform 10 that manages overall point payment, and an affiliate store 20 that receives points from customers (users) and provides products and services corresponding thereto. , It may be configured to include 30 customers who provide points to 20 affiliated stores and receive products and services. In addition, the point payment support system may include a bank 40, and the bank 40 may play an intermediate role in a process of refunding customer points in cash.

According to various embodiments, the platform 10 may receive cash from the customer 30, convert it into points of corresponding value, and provide it. Customers (users) who convert cash into points on platform 10 can be managed as members, and customers can purchase goods at affiliate stores 20 with the points granted. At this time, in order to purchase goods with points, the customer (user) may perform point payment through a non-face-to-face payment method such as mobile pay.

According to various embodiments, the affiliated store 20 may serve as a point bank and a point exchange. In this case, the affiliate store 20 may receive cash from a user and charge it with points that can be paid. Accordingly, the affiliate store 20 provides the cash obtained from the user to the platform 10, and the platform 10 is the affiliate store. The amount of points provided by the 20 side to the user can be transferred to the affiliated store 20.

According to various other embodiments, the platform 10 may mediate and manage operations such as charging, payment, and remittance of various points performed through the affiliated store 20 and the customer 30.

The platform 10, the affiliated store 20, the customer 30, and the bank 40 may perform a signal transmission/reception operation related to point payment through the platform server 100, the affiliated store device 200, the customer terminal 300, and the bank server 400, respectively.

2 is a diagram illustrating a configuration of a platform server 100 according to an embodiment of the present invention.

As shown in FIG. 2, the platform server 100 may include a communication unit 110, a storage unit 120, and a control unit 130. In addition, the control unit 130 may include a member information management unit 131, a consumption pattern calculation unit 132, an affiliate store advertisement unit 133, a consumption potential measurement unit 134, and a point management unit 135.

The communication unit 110 may use a network to transmit and receive data between a user device and a server, and the type of the network is not particularly limited. The network may be, for example, an IP (Internet Protocol) network that provides transmission and reception of large amounts of data through Internet Protocol (IP) or an All IP network integrating different IP networks. In addition, the network includes a wired network, a wireless broadband (Wibro) network, a mobile communication network including WCDMA, a high speed downlink packet access (HSDPA) network and a mobile communication network including a long term evolution (LTE) network, and LTE advanced (LTE-A). ), a mobile communication network including 5G (Five Generation), a satellite communication network, and a Wi-Fi network, or a combination of at least one or more of them.

The communication unit 110 according to an embodiment of the present invention may perform data transmission/reception with the affiliated store device 200 and the user terminal 300. In addition, the communication unit 110 may perform Internet communication with an external web server, and obtain information necessary for product advertisement and purchase promotion therefrom.

The storage unit 120 may include, for example, an internal memory or an external memory. The built-in memory is, for example, volatile memory (e.g., dynamic RAM (DRAM), static RAM (SRAM), synchronous dynamic RAM (SDRAM), etc.)), non-volatile memory (e.g., OTPROM (one time programmable ROM), PROM (programmable ROM), EPROM (erasable and programmable ROM), EEPROM (electrically erasable and programmable ROM), mask ROM, flash ROM, flash memory (e.g., NAND flash or NOR flash), hard drive, Alternatively, it may include at least one of a solid state drive (SSD).

External memory is a flash drive, for example, compact flash (CF), secure digital (SD), micro secure digital (Micro-SD), mini secure digital (Mini-SD), extreme digital (XD), It may further include a multi-media card (MMC) or a memory stick. The external memory may be functionally and/or physically connected to the electronic device through various interfaces.

The storage unit 120 according to an embodiment of the present invention may store customer information registered as a member and registered affiliate store information. In addition, the storage unit 120 may store product information and sales-related information obtained from each affiliate store, and may store commands and programs required to generate advertisement content based on the obtained product information and sales-related information. Furthermore, the storage unit 120 may store advertisement content produced for an affiliate store or a product of the affiliate store.

The controller 130 may also be referred to as a processor, a controller, a microcontroller, a microprocessor, a microcomputer, or the like. Meanwhile, the control unit may be implemented by hardware, firmware, software, or a combination thereof.

In the case of implementation by firmware or software, an embodiment of the present invention may be implemented in the form of a module, procedure, or function that performs the functions or operations described above. The software code may be stored in a memory and driven by the controller. The memory may be located inside or outside the user terminal and the server, and may exchange data with the controller by various known means.

The control unit 130 according to an embodiment of the present invention may include a member information management unit 131, a consumption pattern calculation unit 132, an affiliate store advertisement unit 133, a consumption potential measurement unit 134, and a point management unit 135.

The member information management unit 131 may classify as members and manage information about customers who have made a subscription request to the platform server 100 if a predetermined condition is satisfied. Specifically, the member information management unit 131 may manage personal information of customers who have joined as members, whether to pay a subscription fee, and whether to pay points provided in response to the subscription. Furthermore, the member information management unit 131 may collect and manage information related to a customer's purchasing power (eg, monthly salary, credit rating, property, age, etc.) or consumption power (such as presence or absence of dependents).

According to various embodiments, the member information management unit 131 may manage customer's periodic deposit information (eg, periodic deposit date, periodic deposit amount, etc.). The member information management unit 131 may separately classify a list of members who perform an operation of regularly depositing a specified amount of money and converting it into points (point charging operation).

The consumption pattern calculation unit 132 may acquire purchase-related information including a type of affiliate store, a type of purchased goods, and a point amount used by the customer. In addition, the consumption pattern calculation unit 132 may calculate a customer's consumption pattern based on the obtained customer's purchase related information. Details related to the calculation of the consumption pattern of the customer in the consumption pattern calculation unit 132 will be described with reference to FIG. 3.

3 is a diagram illustrating a configuration of a consumption pattern calculation unit according to an embodiment of the present invention.

As illustrated in FIG. 3, the consumption pattern calculation unit 132 according to an embodiment of the present invention may include a history-based calculation unit 132a and a trend-based calculation unit 132b.

The history-based calculation unit 132a may calculate information on a user's purchase pattern based on the type of goods already purchased by the user (customer), the type of affiliate store using points, and a purchase date.

Specifically, the history-based calculation unit 132a may determine a cycle (1 week, 1 month, 3 months, etc.) in which purchases of items in the same field occur repeatedly based on the purchase history of the user. In addition, the history-based calculation unit 132a may determine an item field occupying the highest proportion based on monthly purchase details. In addition, the history-based calculation unit 132a may extract information such as whether the same affiliate store is repeatedly visited, and in the case of repeated visits, a main visit period.

For example, the history-based calculation unit 132a may calculate information such as that a user visits a dental affiliated store periodically at the end of each month, or that a user orders food delivered at least once a week.

The trend-based calculation unit 132b may calculate a consumption pattern of users based on consumption trends found in all customers, not individual purchase details of one customer. The trend-based calculation unit 132b may determine a field in which consumption increases by more than a preset ratio and a field in which consumption decreases within a preset period. At this time, the trend-based calculation unit 132b may determine information on not only the field of consumer goods, but also individual affiliated stores and individual product items when determining an increase or decrease in consumption. Through this, the trend-based calculation unit 132b may determine consumption trends of customers according to seasonal or environmental factors, changes in trends, and the like. In addition, the trend-based calculation unit 132b may calculate a field of consumer goods expected to increase consumption and individual items included therein based on the consumption trend of customers. Likewise, the trend-based calculation unit 132b may calculate a consumer goods field in which consumption is expected to decrease and individual items included therein based on the consumption trend of customers.

According to various embodiments, the consumption pattern calculator 132 may calculate a customer's consumption pattern by considering both the user's consumption history and trend. The consumption pattern calculation unit 132 may extract consumption trend information predicted that the consumption sensitivity of a corresponding customer is more than a reference value based on personal information of the customer, such as the customer's age group, the customer's gender, and the customer's job group. The consumption sensitivity may mean a ratio in which the consumption increase/decrease value and the average consumption increase/decrease value of an individual customer (or a specific group) coincide, and when the coincidence ratio is greater than or equal to a reference value, the consumption sensitivity may be determined to be high.

For example, the consumption pattern calculation unit 132 may extract major consumption trends of women in research workers in their 20s and major consumption trends of men in construction workers in their 30s (e.g., an increase in consumption, a decrease in consumption, and a consumption maintenance field). In response, consumption tendencies can be predicted in response to the age group, gender, and occupation group to which the customer belongs.

According to various embodiments, the consumption pattern calculation unit 132 is a field in which a match rate between a customer's main consumption field and a general consumption trend is equal to or higher than a preset value, a field in which the coincidence rate with the general consumption trend is less than a preset value, or a correlation with a general consumption trend. Each of these non-existent or opposite tendencies can be calculated. In addition, the consumption pattern calculation unit 132 may predict a user's future consumption trend based on a match rate between the user's consumption field and the consumption trend. For example, when a female user in her twenties in the esthetic field has a coincidence rate between the main consumption fields and general consumption trends in the aesthetic field below a preset value, the calculation of the consumption trends of office workers in their twenties results in a field in which consumption increased by more than the preset threshold. Even if it is a skin home care-related product (which belongs to the esthetic field), this may not be reflected in the user's consumption pattern information.

The affiliate store advertisement unit 133 may provide advertisements for the affiliate stores 20 registered in the platform server 100 to the customer's terminal 300. According to various embodiments, the advertisement content provided from the affiliate store advertisement unit 133 to the customer terminal 300 may be produced by the affiliate store device 200 and provided to the platform server 100 side. In addition, according to various embodiments, the affiliated store advertisement unit 133 may generate affiliated store-related advertisement content based on product information obtained from the affiliated store device 200, and transmit the generated advertisement content to the affiliated store device 200 side.

A detailed description of the affiliated store advertisement unit 133 will be described with reference to FIG. 4.

4 is a diagram showing the configuration of an affiliated store advertisement unit according to an embodiment of the present invention.

As shown in FIG. 4, the affiliate store advertisement unit 133 according to an embodiment of the present invention may include a location-based advertisement unit 133a, a pattern-based advertisement unit 133b, and a personalized advertisement unit 133c.

The location-based advertisement unit 133a may provide an appropriate affiliate store advertisement based on current location information of a user (customer). Specifically, the location-based advertisement unit 133a may select an advertisement for an affiliate store located within a preset distance range from the current location of the user and provide the advertisement to the customer terminal 300 side.

In addition, the location-based advertisement unit 133a may select an advertisement to be provided to the customer terminal 300 based on region information regularly visited by the user and location information of new affiliated stores in addition to the user's current location. For example, the location-based advertisement unit 133a may collect destination information of a customer (user) or information on a commute route from the customer terminal 300, and based on this, the route to the user's destination or within a preset distance from the commute route. Affiliates may be selected, and advertisements related to the selected affiliated stores (eg, advertisements related to products sold by the affiliated stores) may be provided to the customer terminal 300. The location-based advertisement unit 133a may additionally perform an operation of providing a route guide from the current location of the user detected by the customer terminal 300 to the location of the affiliated store during advertisement content delivery.

In addition, the location-based advertisement unit 133a may determine the type of area where the customer mainly consumes points and present advertisements for each time slot in response thereto. For example, the location-based advertisement unit 133a may determine whether the customer's main point consumption area is based on a residence, travel, or workplace. If it is determined that the customer's main consumption area is based on the place of residence, it is possible to control the transmission of advertisement content on the main day of the week and the main time period (eg, Wednesday, Saturday evening time) when the user's location is confirmed at the place of residence.

The pattern-based advertisement unit 133b may provide advertisement content based on a user's consumption pattern. The pattern-based advertisement unit 133b may select and transmit appropriate advertisement content to be provided to the customer terminal 300 based on the user's consumption pattern calculated by the consumption pattern calculation unit 132. Specifically, the pattern-based advertisement unit 133b calculates trend information corresponding to the classification item (e.g., female social worker in their 30s) in which the user is classified based on the user's personal information (age, gender, occupation). It can be obtained from part 132b. In addition, the pattern-based advertisement unit 133b may obtain various types of consumption pattern information (eg, history-based consumption pattern information calculated by the history-based calculation unit 132a) calculated by the consumption pattern calculation unit 132.

The pattern-based advertisement unit 133b obtains the consumption pattern information calculated by the consumption pattern calculation unit 132 as described above, and then calculates a list of services, products, and affiliated stores corresponding to the consumption pattern of the individual customer or the group to which the customer belongs. can do. Thereafter, the pattern-based advertisement unit 133b may provide a service calculated as a list, an advertisement corresponding to an affiliate store providing a product, and an advertisement corresponding to the affiliate store calculated in the list, to the customer terminal 300.

Accordingly, the pattern-based advertisement unit 133b may transmit an advertisement regarding an affiliated store that sells the corresponding item to the terminal 300 of the corresponding customer when it is determined that the repurchase time has come for the product that the customer periodically purchases. In addition, the pattern-based advertising unit 133b has a consumption field in which the matching rate of trend information (consumption trend of all consumers) is higher than the standard value (or high sensitivity) to a specific customer, and a specific product (product or service) in the corresponding consumption field exists. When the sales amount shows an improvement of more than a preset reference value, an advertisement corresponding to the product and an affiliate store that sells the product may be provided to the terminal 300 of the specific customer. As a result, the pattern-based advertisement unit 133b may stimulate a customer's purchase desire to promote purchase activities at the affiliated store.

The personalized advertisement unit 133c may provide the customer's terminal 300 with a point purchase amount required for a corresponding customer to upgrade a membership level, based on point information consumed by a specific customer at an affiliate store. For example, if the total purchase amount of points required to upgrade from a general member to a VIP member is 120,000 points, and the amount of points previously paid by the customer is 100,000 points, the personalized advertisement unit 133c An advertisement message can be provided to purchase an additional 20,000 points within a period (eg, one week). According to an embodiment, a time point at which the personalized advertisement unit 133c provides information on remaining points and an advertisement for additional purchase notification, a purchase amount, etc. may be set, and an advertisement may be sent when the corresponding condition is satisfied. Through the remaining point information and the advertisement for additional purchase notification provided by the personalized advertisement unit 133c, each customer may stimulate a desire to additionally consume the remaining purchase amount in order to upgrade his or her membership level.

Further, the personalized advertisement unit 133c may provide a product advertisement of a price corresponding to the remaining purchase amount required to upgrade the membership level to the customer's terminal 300. To this end, the personalized advertisement unit 133c may classify pre-produced advertisement content according to the amount of the advertisement target (eg, in units of 10,000 points). Accordingly, the personalized advertisement unit 133c can extract an advertisement corresponding to an additional purchase amount required from each customer.

Among the components of the controller 130, the consumption potential measurement unit 134 may measure the consumption potential possessed by the customer. According to an embodiment, the consumption potential measurement unit 134 may select customers whose usage amount of points for each period is less than a preset value, and measure a possibility of future point consumption for the selected customer lists. A more detailed description of the consumption potential measurement unit 134 will be described with reference to FIG. 5.

5 is a diagram showing the configuration of a consumption potential measuring unit according to an embodiment of the present invention.

As shown in FIG. 5, the consumption potential measurement unit 134 may include a log-based determination unit 134a, an event determination unit 134b, and a loyalty determination unit 134c.

The log-based determination unit 134a may perform an operation of measuring a consumption potential score corresponding to each customer based on the customer's log record.

Specifically, the log-based determination unit 134a may collect Internet usage logs including the customer's SNS collected from the customer terminal 300. Thereafter, the log-based determination unit 134a may determine each customer's interest information based on the collected log records of the customer. More specifically, the log-based determination unit 134a may acquire log records such as a user's search record through an SNS or web site, a visit record of an SNS or web site, and a captured photo image. Thereafter, the log record determination unit 134a may determine an area of interest of the customer for a preset period based on the acquired log record.

In addition, the log recording determination unit 134a may determine the amount of point consumption related to the customer's interests for each period (eg, interests for the last week). When it is determined that the consumption related to customer interest is less than a certain amount, the log record determination unit 134a determines that the customer's desire for consumption in the relevant field is latent, and a predetermined score for the consumption potential of the field Can be given. In this case, it can be interpreted that as the consumption potential score allocated to one customer has a higher value, the probability that the corresponding customer will consume the points within a certain period of time is higher.

The event determination unit 134b may determine a customer's consumption potential according to whether an event date related to a sales rate of a theme product has arrived.

Specifically, the event determination unit 134b may determine the consumption potential of the customer for each predetermined period (eg, in units of one week). For example, the event determination unit 134b may collect relationship information including customer family information. In addition, the event determination unit 134b may use a list of general consumption growth prediction dates such as Mother's Day, Children's Day, Christmas, Valentine's Day, Lunar New Year, and Chuseok, as reference event data. In addition to the above-mentioned cases, a specific date or period at which the sum of point consumption of all customers is determined to be equal to or greater than a preset value may be included in the consumption increase prediction date item based on point usage information of a plurality of customers.

Thereafter, the event determination unit 134b may acquire event information related to the user's personal schedule and determine a consumption potential value based thereon. Event information related to the personal schedule may include, for example, information on a customer's wedding anniversary, and anniversary information such as birthdays of the person and family. In addition, the event information related to the personal schedule may include monthly salary date information registered by the customer or a deposit date detected by the customer terminal 300 (eg, a date determined that a deposit notification is periodically generated through a bank application).

Furthermore, the event determination unit 134b may predict the arrival of an event based on the main search word detected in the portal web. For example, the event determination unit 134b may acquire information related to social interests or broadcast content, and perform an operation of determining and processing whether the information is an event related to an increase in consumption. For example, the event determination unit 134b may extract information on a rapidly rising search word detected in a search window of an application provided by the platform server 100 or in a previously linked monitoring portal site or SNS. Thereafter, the event determination unit 134b classifies the rapidly rising factor of the search word based on the extracted news article content, news article headline, and related comment content, etc., but classifies it by classifying it according to the relevance of consumption increase to the sudden increase factor. can do. According to an embodiment, when'OO claw audit system' is detected as the main search word of the monitoring target portal site, the event determination unit 134b may determine that the sudden increase factor of the search word is due to a discount event, and accordingly The relevance of search word and consumption increase can be judged as A grade.

The event determination unit 134b may determine that an event date related to the relevant search word has arrived when there is an item determined to have a consumption increase relevance level higher than a reference value among the details extracted as information on the rapidly increasing search word.

The event determination unit 134b may determine the type of event schedule in which point consumption may be promoted and whether the event arrives by various methods described above.

In addition, the event determination unit 134b may determine a consumption potential for each customer according to a correlation between the keyword-related event attribute and customer personal information.

The loyalty determination unit 134c may determine the loyalty of the customer based on the diversity of consumer items and whether daily necessities are included. The value of the customer's loyalty determined by the loyalty determination unit 134c may be measured larger as it is determined that the proportion of purchases of goods and services required for life at an affiliated store registered in the platform server 100 is higher. For example, in order to measure the loyalty of a single customer, the loyalty determination unit 134c stores information such as the order amount by period (e.g., monthly) of the customer, the diversity index of purchased items, and the purchase proportion of items designated as daily necessities among the total purchased items. Can be collected. Further, the loyalty determination unit 134c measures a value of the user's loyalty based on the collected information. The loyalty determination unit 134c may assign a consumption potential value in proportion to a value having a large loyalty value.

The consumption potential measurement unit 134 may measure consumption potential based on log records, event information, and loyalty values as described above. According to an embodiment, since it is determined that the consumption potential is higher for customers whose consumption potential is calculated as a value, the consumption potential measurement unit 134 creates and provides customized advertisements to customers with a large consumption potential value. Can be requested from Part 133.

Finally, the control unit 130 may include a point management unit 135 that is responsible for overall management of points transacted by customers and affiliated stores. According to an exemplary embodiment, the point management unit 135 may check the customer's cash deposit and assign a point corresponding to the deposited amount to the customer's account (point charge). In addition, the point management unit 135 may perform an operation of accumulating points for a purchase or accumulating points for events, which is a part of a service provided by an affiliated store, and manages related information. To this end, the point management unit 135 may receive a point accumulation request signal from the affiliated store device 200 and provide a predetermined point to a corresponding customer account when the point accumulation request signal is received.

In addition, according to an embodiment, the point management unit 135 may evaluate and manage a customer's membership level based on the customer's point usage performance. In addition, similarly, the point management unit 135 may acquire point sales performance information of not only the customer but also the affiliated store and evaluate the affiliated store rating based on this.

Specifically, the point management unit 135 may check a customer's point usage amount (eg, monthly usage amount, cumulative usage amount), and calculate an additional point purchase amount required to increase the membership level. Information related to the point usage amount for each individual customer and the purchase amount of additional points required for the membership level upgrade calculated by the point management unit 135 may be provided to the personalized advertisement unit 133c of the affiliate store advertisement unit 133.

The point management unit 135 may determine the sales amount and the point collection amount for each affiliated store as well as the customer, and calculate statistical information of the sales amount for all affiliated stores based on this.

Meanwhile, the platform server 100 can accumulate points of customers or affiliates through various methods. For example, the platform server 100 may accumulate points to customers or affiliates according to methods such as direct accumulation, accumulation accumulation, and shared accumulation.

In one embodiment, the platform server 100 may allow members to accumulate points by a direct accrual method. Direct accumulation is a method of accumulating additional points when a customer or affiliate joins an app or web provided by the platform server 100 and registers another member. When registering another member, the platform server 100 may provide a preset amount of points (eg, 20,000 points), or may accumulate points of a preset rate (eg, 5%) when paying an affiliate store.

In another embodiment, the platform server 100 may allow a member to accumulate points through an accumulative accrual method. For example, when a customer or an affiliated store joins an app or web provided by the platform server 100, the platform server 100 may provide a preset number of units to the customer or affiliated store. In this case, the unit may be a configuration capable of accumulating and storing points. When the unit is filled, the platform server 100 can accumulate certain points to the unit. Specifically, when the platform server 100 satisfies various conditions, points set for each condition may be filled in the unit. In this case, various conditions may be conditions such as member recommendation, product or service introduction, management contribution, plan participation, and autoship activity. Another accumulating condition may be a condition for registering more than a preset number of members as a member, paying a preset point at an affiliate store, or donating a preset point.

In another embodiment, the platform server 100 may allow members to accumulate points through a shared accrual method. Specifically, the platform server 100 may set a reward of KRW M when N membership registration is achieved, and when the registration of N members is completed, it may accumulate points equal to M/N to each member. Alternatively, it goes without saying that the platform server 100 can accumulate points of a preset rate to a specific member when a new member registration is completed by promotion of a specific member. As an example of the accumulation condition, the affiliate store may be registered as a sharing member by donating a preset ratio or amount to the payment amount. When registered as a shared member, the affiliated store can earn points as much as a preset ratio to the total affiliated store sales instead of donating the preset points every month. For example, if an affiliate store accumulates 2.4 million points, 120,000 points, 5% of 2.4 million points, are accumulated, and the accumulated 120,000 points can be donated to the shared connection program to be registered as a shared member. After registering as a shared member, if you donate 12,000 points, which is 5% of the monthly payment of 240,000 points, the member or affiliate who became a shared member can distribute points for 1% of the total affiliate store sales to other shared members.

According to various embodiments of the present disclosure, the platform 10 may provide a reward for a predetermined loyal customer by paying points corresponding to a certain percentage of the total sales of affiliated stores to customers who satisfy a preset condition. And, in order to perform such customer compensation, the point management unit 135 may perform an operation to determine in advance customers who satisfy the conditions for awarding compensation points (e.g., accumulated points 120,000P, monthly donations 12,000P) among all customers. have.

In addition, the point management unit 135 may perform a cash refund operation of converting cash received from a customer into points and providing points to the customer, as well as converting points held by the customer or affiliated store into cash. The point management unit 135 may determine whether a refund request for refunding points in cash is received from the customer or the affiliated store. In response to receiving the refund request, the point management unit 135 may perform an operation of depositing cash of a value corresponding to the amount of points requested for refund to an account previously registered by the customer.

In addition, the point management unit 135 may perform various other points providing functions. For example, the point management unit 135 has received recognition of promotional activities when points are charged, when points are used at affiliated stores, when it is recognized as a recommender (e.g., when another customer registers an ID as a recommender at the time of membership registration). Points may be paid to the target customer account for at least one of the cases (eg, when a product advertisement sold by an affiliate store or an affiliate store advertisement is uploaded to a personal SNS).

Platform 10 according to an embodiment of the present invention may issue real point cards that can use points to customers registered as members. Accordingly, customers can pay with points at affiliated stores using a point card. In this case, the point card may include a barcode, and the like, and the affiliated store device 200 may check the amount of points held by scanning the barcode of the customer's point card, and perform payment by deducting the amount used. In addition, the customer can perform point payment using a mobile pay (eg, check pay 1s, check wallet 1s, etc.). Accordingly, the point management unit 135 may manage costs (mobile pay system usage fees, etc.) required in a payment situation between the customer and the affiliated store. According to an embodiment, the point management unit 135 may provide a mobile pay system usage fee for point payment or a point amount corresponding thereto to a member store that satisfies a preset condition (e.g., sales amount, point transaction amount, etc.) among member stores. have.

6 is a diagram showing the configuration of an affiliated store device according to an embodiment of the present invention.

The affiliated store device 200 according to an embodiment of the present invention may include a communication unit 210, a storage unit 220, and a control unit 230 as shown in FIG. 6. In addition, the control unit 230 may include a sales management unit 231 and a service information providing unit 232.

The communication unit 210 may include, for example, a cellular module, a WiFi module, a Bluetooth module, a GPS module (eg, a GPS module, a Glonass module, a Beidou module, or a Galileo module), an NFC module, and a radio frequency (RF) module.

The cellular module may provide, for example, a voice call, a video call, a text service, or an Internet service through a communication network. According to an embodiment, the cellular module may distinguish and authenticate electronic devices within a communication network using a subscriber identification module (eg, a SIM card). According to an embodiment, the cellular module may perform at least some of the functions that can be provided by the processor. According to an embodiment, the cellular module may include a Communication Processor (CP).

Each of the WiFi module, Bluetooth module, GPS module, or NFC module may include, for example, a processor for processing data transmitted and received through a corresponding module. According to some embodiments, at least some (eg, two or more) of a cellular module, a WiFi module, a Bluetooth module, a GPS module, or an NFC module may be included in one integrated chip (IC) or IC package.

The RF module may transmit and receive, for example, communication signals (eg, RF signals). The RF module may include, for example, a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), or an antenna. According to another embodiment, at least one of a cellular module, a WiFi module, a Bluetooth module, a GPS module, or an NFC module may transmit and receive RF signals through separate RF modules.

The communication unit 210 according to an embodiment of the present invention may perform communication for data transmission/reception with the server 100 of the present invention. According to an embodiment, the communication unit 210 may receive advertisement content from the server 100, and may provide sales information for each item of sale, point payment information, and the like to the server 100. In addition, the communication unit 210 may transmit information (eg, point amount information, etc.) corresponding to the platform fee or promotion fee to the platform server 100 to the server 100.

The storage unit 220 according to an embodiment of the present invention may store product-related information and sales-related information. Furthermore, the storage unit 220 may store advertisement content information received from the server 100. According to an embodiment, the advertisement content received by the server 100 may be played through a display device provided at an affiliate store.

The control unit 230 according to an embodiment of the present invention may include a sales management unit 231 and a service information providing unit 232.

The sales management unit 231 may manage an order and payment-related operation of each affiliated store. The sales management unit 231 may separate and manage cash sales and point sales at a corresponding store.

According to an embodiment, each affiliated store may perform a point exchange function such as point charging and point transfer to others, as well as point payment for customers. Point transactions, such as point charging offline through affiliated stores, can be mainly performed for people who are unable to open a bankbook, such as credit bad persons, multicultural residents, and foreigners.

In this case, each affiliated store can perform transactions such as recharging, remittance, and refund for customers, and can obtain agency fees accordingly. At this time, the sales management unit 231 may perform an operation of calculating a fee amount corresponding to a transaction item such as a point charge, remittance or refund of customers and a transaction amount, and deducting a point fee of the corresponding amount as the transaction is performed.

The service information providing unit 232 may select information related to a service provided to a consumer by an affiliated store and provide it to the platform server 100 side. According to an embodiment, in order to select service information to be provided to the platform server 100, the service information providing unit 232 may list products or service items according to a ranking of sales or sales. Depending on the embodiment, item information according to the sales amount or the sales amount ordered in a list may be automatically provided to the server 100 for each set period (eg, per day).

According to various embodiments, the service information providing unit 232 extracts information such as a service (product) item recording a sales volume greater than or equal to a preset reference value, and an item whose sales increase or decrease rate is greater than or equal to the standard value, selects only the extracted item information, and periodically server It can be provided on the 100 side. In addition, the service information providing unit 232 may also acquire customer ID information of a point card account corresponding to the purchased product (or service) when a customer performs payment using a point card, and accordingly, Information such as purchasing age group and major purchasing occupation group can be checked together. Accordingly, the service government providing unit 232 may provide the server 100 with information related to major purchasing customers.

7 is a diagram showing the configuration of a customer terminal according to an embodiment of the present invention.

As illustrated in FIG. 7, the customer terminal 300 may include a communication unit 310, a storage unit 320, an input unit 330, a display unit 340, and a control unit 350. Further, the control unit 350 may include a payment execution unit 351, an advertisement playback unit 352, and a user information collection unit 353.

The communication unit 310 according to an embodiment of the present invention may perform communication for transmitting and receiving data between the platform server 100 and the affiliated store device 200. Specifically, the communication unit 310 may perform data transmission/reception with the server platform server 100 to charge points and award points for reward purposes.

The storage unit 320 according to an embodiment of the present invention may store information or programs related to execution and display of applications and web pages provided by the platform server 100. In addition, the storage unit 320 may store personal information (eg, family relationship information, log-in information, anniversary information, interest information, etc.) directly input by the customer to be used.

The input unit 330 according to an embodiment of the present invention may receive an ID, a password, etc. required to load the customer's own point information. In addition, when searching for a specific affiliate store, the input unit 330 may receive a search word such as an affiliate store field and an affiliate store name from a user.

The display unit 340 according to an embodiment of the present invention may display a screen of a web or an app provided by the platform server 100. In addition, the display unit 340 may display a screen required for a user's point payment (eg, a remaining point confirmation screen, etc.).

The control unit 350 may access a web or an app supported by the platform server 100 from the customer terminal 300 to perform overall platform-related operations (eg, point payment, advertisement playback, etc.).

The control unit 350 may include a payment execution unit 351, an advertisement playback unit 352, and a user information collection unit 353.

First, the payment execution unit 351 may support to receive information on the remaining point of the customer account from the platform server 100 in response to the request of the customer to inquire about the amount of their remaining point and display it on the screen. In addition, the payment execution unit 351 may support a payment operation according to a general mobile pay method. According to an embodiment, in the case of mobile pay using a QR code, the payment execution unit 351 performs an operation for recognizing a QR code provided at an affiliated store, and an operation for transmitting a specified amount of points to an account corresponding to the recognized QR code. Can be done. According to another embodiment, when a customer uses a mobile pay using a barcode, the payment execution unit 351 may display a scannable barcode using a device provided at an affiliate store. The barcode displayed at this time may include point information held by the customer.

In addition to the general payment described above, the payment execution unit 351 may support operations such as point installment payment and cash and point combination payment. According to an embodiment, the payment execution unit 351 may confirm that a request for an installment payment or a combination payment of cash and points is input from a user (customer). Thereafter, the payment execution unit 351 is required to settle the information required for payment in installments (e.g., information for selecting the number of months in installment) or information required for a combination payment of cash and points (e.g., the amount to be paid in points out of the total payment amount, or in cash. Amount information) can be input from the user (customer). In addition, the payment execution unit 351 may transmit a command signal for performing point payment to the platform server 100 based on the received information required for payment.

The advertisement playback unit 352 may play the affiliate store advertisement or product advertisement content received from the platform server 100 according to preset requirements. For example, when the user is located at a specific location, the advertisement playback unit 352 may control to execute an advertisement related to the location (eg, an affiliate store advertisement existing within a preset distance range from the current location of the user).

According to various embodiments, the advertisement playback unit 352 may request the platform server 100 to transmit an advertisement related to the user's search content in response to a search operation such as a location search, an affiliate store search, a product name search, and a knowledge search. Accordingly, the platform server 100 may select and transmit an advertisement related to a user's search word among pre-produced advertisement contents. Thereafter, the advertisement playback unit 352 may execute or play the advertisement received from the platform server 100.

As described above, the advertisement reproducing unit 352 may request an advertisement to be played back at the user's search situation or when a user's specific location exists, and immediately execute the advertisement content received from the platform server 100. However, the present invention is not limited thereto, and the advertisement playback unit 352 may periodically receive advertisement contents from the platform server 100 according to various embodiments, and may expose the advertisement contents at a frequency desired by the customer. In addition, the advertisement playback unit 352 sets different factors such as the timing of provision, provision method, and provision period according to the type of advertisement content (photo advertisement, video advertisement, reward type advertisement, banner advertisement, power link, etc.) to the user. You can expose advertisements.

The user information collection unit 353 may collect information such as payment related information, personal information directly input by the user, and interest information. In addition, the user information collection unit 353 may transmit user information periodically collected with the user's consent to the platform server 100 side. User information provided to the platform server 100 can be used to create user-customized advertisements and consumption patterns of users.

8 is a diagram illustrating a sequence of an advertisement operation according to an embodiment of the present invention.

The control unit 130 of the platform server 100 according to an embodiment of the present invention may perform operation 805 of obtaining location information of a customer from the customer terminal 300. In addition, the controller 130 may perform operation 810 of obtaining affiliate store information from the affiliate store device 200.

Thereafter, the controller 130 may perform operation 815 of selecting an affiliated store existing within a preset distance from the user's location based on the acquired location information of the customer. After operation 815, the controller 130 may perform operation 820 of extracting advertisement content related to the selected affiliate store from pre-generated and stored advertisement content data. Further, the controller 130 may perform operation 825 of transmitting the extracted advertisement content to the customer terminal.

In addition, the platform server 100 of the present invention can implement more various types of services. The platform server 100 may check that points have been paid at a previously registered affiliate store, and in that case, control to accumulate points of a preset ratio (eg, 5%). In addition, a pre-set percentage (e.g., 1%) of the total sales of all affiliates is paid to members who meet the pre-set conditions (e.g., shared membership level; qualifications can be granted based on the amount of points expenditure, donation, etc.) , You can control to pay 1/N monthly.

In addition, the platform server 100 may support free use of the payment system as it is confirmed that the member is a registered member. In this case, the payment system may support a payment method performed using a credit card, a debit card, and various mobile payments without going through a VAN company. (When paying at a member store, even if there is no separate card terminal, points are paid through a communication network such as the Internet, and the points received later are refunded in cash, so the payment is made without going through a VAN company.) Also, non-face-to-face payments through the Internet, In order to perform services such as payment settlement, account transfer, remittance, recharge, and ATM withdrawal through a bank, the platform server 100 checks the account between the user and the affiliated store and moves points (payment), and checks the account between the user and other users. And a point movement (remittance) function.

Further, the platform server 100 may evaluate the degree of promotion and advertisement activity of a user (member) or affiliated store, and provide a corresponding reward. According to an embodiment, if it is confirmed that the user or the affiliate has performed promotion and advertisement activities that meet the preset criteria (e.g., by registering the SNS advertisement link performed by him/herself on the platform server 100, etc.), the user who meets the criteria Alternatively, reward points can be provided for affiliate stores. The reward points may differ between the affiliated store and the individual user, such as 20,000 points for an individual and 200,000 points for an affiliated store.

In addition, the platform server 100 may control to accumulate and accumulate reward points to a user who newly registers a random user who satisfies a certain standard. At this time, the conditions under which the reward points are paid are that the new registered user's membership level is higher than the standard level (e.g., regular member level), and the relationship information of the newly registered user (eg, the referral information of the newly registered user) is registered. Conditions may apply. Alternatively, when it is determined that the newly registered user has performed a point payment equal to or greater than the reference value at a specific affiliated store designated by the application provided by the platform server 100, the reward points for that may be accumulated and accumulated to the recommender user. In addition, when the basis of the continuous and stable point accumulation activity of the new registered user (point accumulation according to point charging, payment, etc.) is confirmed by the charging period, amount, etc., redeposit may be performed to the recommender user.

Although the present invention has been described in detail with reference to the above-described examples, those skilled in the art can make modifications, changes, and modifications to the examples without departing from the scope of the present invention. In short, in order to achieve the intended effect of the present invention, it is not necessary to separately include all the functional blocks shown in the drawings or to follow all the orders shown in the drawings as the order shown. Note that it may fall within the range.

10: platform
20: affiliated store
30: customer
100: platform server
200: affiliated store device
300: customer terminal
110: (server) communication department
120: (server) storage
130: (server) control unit
131: Member Information Management Department
132: consumption pattern calculation unit
133: affiliate store advertising department
134: consumption potential measurement unit
135: point management unit

Claims (8)

As cash deposit from the customer is confirmed, points corresponding to the deposited cash are provided, support for payment with the points at previously registered affiliate stores, and advertisements are generated based on customer information and affiliate store information and provided to the customer terminal. Platform server; And
Including; a customer terminal for executing the advertisement received from the platform server,
The platform server
Based on the consumption history of daily customers, it extracts the frequency of occurrence of repetition of items in the same field, and provides information on the fields of consumer goods, franchisees and individual product items in which the increase or decrease in consumption by more than a preset percentage within a preset period A consumption pattern calculation unit that determines customer consumption pattern information based on;
An affiliated store advertisement unit for generating advertisement content based on consumption-related information obtained from the customer terminal and the affiliated store device, and transmitting the generated advertisement content to the customer terminal; Including,
The consumption pattern calculation unit
A history-based calculation unit that determines a cycle in which the purchase of the same item occurs repeatedly based on the customer's consumption history;
Calculates the consumption pattern of users based on the purchase history of all registered customers, but changes in the season and environment by calculating the fields of consumer goods, franchisees, and individual product items whose consumption increased or decreased by more than a preset percentage within a preset period. It judges the consumption trend information of the customer accordingly, calculates the field of consumer goods and individual product items that the consumption is judged to increase based on the consumption trend information of the determined customer,
By comparing the average consumption increase/decrease per person per consumption sector for the reference period identified for all customers with the daily customer's consumption increase/decrease, select the field of consumer goods and individual product items in which the matching rate of the compared consumption increase/decrease value is above or below the standard value. Including a trend-based calculation unit to check each;
The affiliated store advertisement unit
If the target customer has a consumption field in which the matching rate of consumption trend information is more than the standard value, and the sales of a specific product in the relevant consumption field is improved by more than the standard value, an advertisement corresponding to the product or the affiliated store that provides the product is provided to the customer terminal. Including; a pattern-based advertising unit
The pattern-based advertisement unit
Providing a trading platform, characterized in that, based on the consumption pattern information calculated by the consumption pattern calculation unit, when the time to repurchase a product periodically purchased by a customer comes, an advertisement for a member store that sells the product is provided to the customer terminal. system. The method of claim 1,
The customer terminal
A payment execution unit that performs an operation related to a customer's point payment, but performs a payment operation including general payment, point installment payment, and cash and point combination payment;
An advertisement reproducing unit that executes an affiliate store advertisement or product advertisement received from the platform server according to preset requirements, but plays an advertisement related to a search word or location information when a customer is in a search operation or a specific location; And
And a user information collection unit that collects customer's payment-related information, personal information and interest information directly input by the customer, and periodically provides it to the platform server. delete delete The method of claim 1
The affiliated store advertisement unit
Location-based advertising unit that selects advertisements for affiliated stores located within a preset distance from the customer's current location and routes to specific destinations of the customer, or for affiliate stores that exist within a preset distance from the commute route and provides them to the customer terminal Trading platform providing system comprising; delete The method of claim 1,
The affiliated store advertisement unit
A system for providing a trading platform, comprising: a personalized advertisement unit that calculates the purchase amount of additional points required for the upgrade of the membership level, and provides a product advertisement of a price corresponding to the purchase amount of the additional points to the customer terminal. The method of claim 1,
When a point transaction, including point recharge, point remittance, and point refund, occurs, the commission amount corresponding to the point transaction item and transaction amount is calculated, and points corresponding to the commission amount from the transaction party are obtained, and sales volume above the standard value is obtained. A system for providing a trading platform, further comprising: an affiliated store device periodically transmitting information on the recorded product or service item to the platform server.

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