KR102610663B1 - Terminal, server, POS terminal for providing benefit about products using admission number of credit card, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon - Google Patents

Abstract

The present invention discloses a terminal, a server, a POS terminal for providing per-product benefits using a credit card approval number, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. In other words, the present invention provides product-level benefits to customers using credit cards by using the credit card's authorization number, allowing manufacturers to promote product-level products depending on whether the customer recognizes the purchased product, and for customers, You can receive product-level benefits without taking any additional action at the time of payment, and credit card companies can increase card usage by conveniently providing benefits to customers.

Description

A terminal, server, POS terminal for providing benefits for each product using a credit card approval number, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded {Terminal, server, POS terminal for providing benefit about products using admission number of credit card, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon}

The present invention relates to a terminal, a server, a POS terminal for providing benefits on a per-product basis using a credit card approval number, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded, particularly providing personal information. For users of terminals who have agreed to this, if the product they wish to purchase among the event products is registered on the service server in advance and they pay with a credit card when purchasing one or more products in a store through the terminal, the credit card will be processed at the POS terminal in the store. The authorization number, store information, and purchase product details are transmitted to the service server, the credit card number and credit card authorization number are transmitted to the credit card company server, and the customer CI and credit card authorization number corresponding to the credit card number are transmitted from the credit card company server. is transmitted to the service server, and the service server checks whether the credit card authorization number transmitted from the POS terminal matches the credit card authorization number transmitted from the credit card company server, and selects the product you wish to purchase among the event products pre-stored on the service server. A terminal and server for providing product-level benefits using the credit card approval number that checks whether the product matches the purchased product in the purchase product details sent from the POS terminal and automatically provides the benefits of the event product to the terminal. , relates to a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded.

When paying with one of multiple credit cards, payment is made using the credit card available at the store among the multiple credit cards.

At this time, when paying with the relevant credit card, benefits such as discounts or savings are provided depending on the payment amount, affiliated merchants, etc. However, when applying these benefits, the product purchased by the customer cannot be recognized, so promotions for specific products cannot be carried out. I can't.

Korean Patent Publication No. 10-2014-0124914 [Name: Payment amount immediate discount method and system]

The purpose of the present invention is to provide a terminal, server, POS terminal, etc. for providing product-level benefits using the credit card approval number to provide product-level benefits to customers using the credit card. The purpose is to provide a recording medium on which a payment system including a payment system, its control method, and a computer program are recorded.

Another purpose of the present invention is to allow terminal users who have agreed to provide personal information to register the product they wish to purchase among event products on the service server in advance and pay with a credit card when purchasing one or more products at a store through the terminal. In this case, the POS terminal in the store transmits the credit card authorization number, store information, and purchase product details to the service server, transmits the credit card number and credit card authorization number to the credit card company server, and transmits the credit card number to the credit card company server. The corresponding customer CI and credit card authorization number are transmitted to the service server, and the service server checks whether the credit card authorization number transmitted from the POS terminal matches the credit card authorization number transmitted from the credit card company server, and the service server A product that utilizes the credit card approval number to automatically provide the benefits of the event product to the terminal by checking whether the product you wish to purchase among the event products pre-stored in the POS device matches the purchased product in the purchase product details transmitted from the POS terminal. The purpose is to provide a terminal, server, POS terminal for providing unit benefits, a payment system including the same, a recording medium on which its control method and computer program are recorded.

A method of controlling a service server according to an embodiment of the present invention includes receiving a wish list containing product information related to at least one product transmitted from a point of contact (POC) server and identification information of a terminal; A step of receiving personal information and approval numbers related to the terminal according to payment for one or more products selected by the user of the terminal from the credit card company server, receiving the paid purchase product details and approval numbers from the POS terminal, and matching based on the approval numbers. ; And when there is one or more first product information included in the wish list among one or more products included in the received purchase product details, providing a pre-registered benefit in relation to the one or more first product information to the terminal. can do.

As an example related to the present invention, the purchase product details include at least one of one or more product names, product unique codes, unit price, quantity, discount amount, coupon application, amount, payment date and time information, total amount, and payment card type. may include.

As an example related to the present invention, the step of providing pre-registered benefits in relation to one or more first product information to the terminal includes: storing a plurality of product-specific benefit information transmitted from a plurality of affiliates in a storage unit; When the authorization number transmitted from the credit card company server matches the authorization number transmitted from the received POS terminal, and there is one or more first product information included in the wish list among one or more products included in the received purchase product details, A process of checking benefit information corresponding to the first product information among a plurality of product-specific benefit information stored in the storage unit; And it may include a process of providing confirmed benefit information to the terminal.

As an example related to the present invention, the benefit may be at least one of savings and discounts.

A method of controlling a payment system according to an embodiment of the present invention includes the steps of a POC server transmitting a list of event products to a terminal; A terminal transmitting a wish list containing product information related to at least one product selected according to user selection of the terminal from the event product list and identification information of the terminal to a service server via a POC server; A POS terminal scanning one or more products to be paid for selected by the user of the terminal and transmitting product information to be paid, payment card type, payment card number, terminal identification information, and POS terminal identification information to a credit card company server; A credit card company server transmitting an approval number for product payment to the POS terminal, and after the POS terminal receives the approval number, transmitting the received approval number, store information, and purchased product details to the service server; And the service server compares the authorization number received from the POS terminal with the authorization number transmitted from the credit card company server, and if it matches, checks the received purchase product details, and when there is one or more first product information included in the wish list, one It may include providing a pre-registered benefit to the terminal in relation to the above first product information.

A computer program for performing the method according to the above-described embodiment may be stored in a recording medium on which the computer program according to the embodiment of the present invention is recorded.

The service server according to an embodiment of the present invention receives a wish list containing product information related to at least one product transmitted from the POC server and terminal identification information, and processes the POS terminal according to payment for one or more products selected by the user of the terminal. a communication unit that receives an approval number, store information, and purchase product details transmitted from a credit card company server, and receives personal information related to the terminal and an approval number transmitted from a credit card company server; And, based on the approval number transmitted from the credit card company server and the approval number transmitted from the received POS terminal, the details of purchased products for which payment has been made are classified, and the details of purchased products for which payment has been completed are confirmed to provide information on one or more first products included in the wish list. When there is, it may include a control unit that provides pre-registered benefits in relation to one or more first product information to the terminal.

The present invention provides product-level benefits to customers using credit cards by using the credit card's authorization number, allowing manufacturers to promote product-level products depending on whether the customer recognizes the purchased product, and for customers at the time of payment. Product-level benefits can be provided without any additional action, and credit card companies can increase card usage by conveniently providing benefits to customers.

Figure 1 is a block diagram showing the configuration of a payment system for providing per-product benefits using a credit card approval number according to an embodiment of the present invention.
Figures 2 to 4 are flowcharts showing a control method of a payment system for providing per-product benefits using a credit card approval number according to an embodiment of the present invention.
Figures 5 and 6 are diagrams showing the screen of a terminal according to an embodiment of the present invention.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention, unless specifically defined in a different sense in the present invention, should be interpreted as meanings generally understood by those skilled in the art in the technical field to which the present invention pertains, and are not overly comprehensive. It should not be interpreted in a literal or excessively reduced sense. Additionally, if the technical terms used in the present invention are incorrect technical terms that do not accurately express the idea of the present invention, they should be replaced with technical terms that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted according to the definition in the dictionary or according to the context, and should not be interpreted in an excessively reduced sense.

Additionally, as used in the present invention, singular expressions include plural expressions unless the context clearly dictates otherwise. In the present invention, terms such as “consists of” or “comprises” should not be construed as necessarily including all of the various components or steps described in the invention, and some of the components or steps may not be included. It may be possible, or it should be interpreted as being able to further include additional components or steps.

Additionally, terms containing ordinal numbers, such as first, second, etc., used in the present invention may be used to describe constituent elements, but the constituent elements should not be limited by the terms. Terms are used only to distinguish one component from another. For example, a first component may be named a second component without departing from the scope of the present invention, and similarly, the second component may also be named a first component.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. However, identical or similar components will be assigned the same reference numbers regardless of the reference numerals, and duplicate descriptions thereof will be omitted.

Additionally, when describing the present invention, if it is determined that a detailed description of related known technologies may obscure the gist of the present invention, the detailed description will be omitted. In addition, it should be noted that the attached drawings are only intended to facilitate easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the attached drawings.

Figure 1 is a block diagram showing the configuration of a payment system 10 for providing per-product benefits using a credit card approval number according to an embodiment of the present invention.

As shown in Figure 1, the payment system 10 for providing product-level benefits using the credit card approval number includes a terminal 100, a POC server 200, a service server 300, and a credit card company server ( 400) and a POS terminal 500. Not all of the components of the payment system 10 shown in FIG. 1 are essential components, and the payment system 10 may be implemented with more components than those shown in FIG. 1, or fewer components. The payment system 10 may also be implemented by .

The terminal 100 agrees to provide personal information by linking with the POC server 200, the service server 300, and the credit card company server 400, and sends a wish list containing information on one or more products selected from the event product list to the service server. In the state stored in (300), when the user of the corresponding terminal (100) proceeds to pay for one or more selected products through the POS terminal (500), the POS terminal (500) provides information from the credit card company server (400). An approval number is received, and the received approval number, store information, purchase product details, etc. are transmitted to the service server 300. Additionally, the credit card company server 400 also transmits the approval number, personal information (CI), etc. to the service server 300. Afterwards, the approval number related to the terminal 100 transmitted from the credit card company server 400 matches the approval number transmitted from the POS terminal 500, and one or more items included in the purchase product details transmitted from the POS terminal 500 Among the products, if there is product information included in the wish list related to the terminal 100 pre-stored in the service server 300, the service server 300 provides benefits (benefits) to the terminal 100 in relation to the specific product information. For example, discounts, points, etc.) are provided.

The terminal 100 includes a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, and a telematics terminal. , navigation terminal, personal computer, laptop computer, slate PC, tablet PC, ultrabook, wearable device (e.g., watch type terminal) (Smartwatch, Smart Glass, HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal, smart TV, digital broadcasting terminal, television, 3D television , It can be applied to various terminals such as home theater systems, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) systems, flexible terminals, etc.

Additionally, the terminal 100 communicates with the POC server 200, service server 300, credit card company server 400, POS terminal 500, etc.

Additionally, the terminal 100 performs a membership registration procedure for the user of the terminal 100 by linking with the POC server 200.

In addition, when performing the membership registration process, the terminal 100 must complete the authentication function through an identity authentication method (including mobile phone, credit card, i-PIN, email, etc.) to complete the membership registration process for the POC server 200. It can be completed normally.

Additionally, the terminal 100 receives a PIN number (personal identification number) according to user input through a specific app pre-installed on the terminal 100.

Additionally, in order to perform the simple payment function, the terminal 100 transmits the corresponding PIN number, identification information of the terminal 100, etc. to the POC server 200, service server 300, POS terminal 500, etc.

Additionally, the terminal 100 connects to the POC server 200. At this time, the terminal 100 may access the POC server 200 through a specific app pre-installed on the terminal 100.

Additionally, the terminal 100 transmits personal information provision consent information, identification information of the terminal 100, etc. to the POC server 200. Here, the personal information provision consent information provides personal information (Connecting Information: CI) related to the user of the terminal 100 to one or more credit card company servers 400 affiliated with the service server 300 for purposes such as marketing. It may be information that you agree with. Additionally, the identification information of the terminal 100 includes MDN (Mobile Directory Number), mobile IP, mobile MAC, SIM (subscriber identity module) card unique information, serial number, etc.

Additionally, the terminal 100 receives a list of event products transmitted from the corresponding POC server 200 through linkage with the POC server 200.

Additionally, the terminal 100 displays a list of received event products.

Additionally, the terminal 100 selects at least one product according to the user selection of the terminal 100.

Additionally, the terminal 100 transmits a wish list (or interest product list) containing product information related to at least one selected product, identification information of the terminal 100, etc. to the POC server 200.

In addition, when the payment function is normally performed for one or more products to be paid for selected by the user of the terminal 100 visiting the store, the user of the terminal 100 provides a receipt, etc., which is output in printed form from the POS terminal 500. Receive. Here, payment information (or payment function performance results) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

In addition, when the terminal 100 purchases a product corresponding to promotional information pre-registered on the service server 300, the terminal 100 provides information about benefits (or benefit information) provided by the service server 300. Receive.

Additionally, the terminal 100 displays the received benefit information.

The POC server (point of contact server) 200 communicates with the terminal 100, the service server 300, etc.

Additionally, the POC server 200 collects personal information (CI) from the terminal 100 and provides a list of event products including promotional information (or benefits) to the terminal 100.

That is, the POC server 200 connects to the terminal 100 that is accessed through a dedicated app or web page installed on the terminal 100.

Additionally, the POC server 200 receives personal information provision consent information transmitted from the terminal 100, identification information of the terminal 100, etc. Here, the personal information provision consent information refers to consent to providing personal information (CI) related to the user of the terminal 100 to one or more credit card company servers 400 affiliated with the service server 300 for purposes such as marketing. This may be information.

Additionally, the POC server 200 stores the received personal information provision consent information, identification information of the terminal 100, etc.

In this way, the POC server 200 collects personal information (CI) from the terminal 100.

Additionally, the POC server 200 transmits the received personal information provision consent information, identification information of the terminal 100, etc. to the service server 300.

Additionally, the POC server 200 provides the terminal 100 with a list of event products including promotional information provided by one or more affiliates provided from the service server 300.

In addition, the POC server 200 provides a wish list (or interest product list) containing product information related to at least one product selected according to the user selection of the terminal 100 from the corresponding event product list, and identification of the terminal 100. Receive information, etc.

Additionally, the POC server 200 stores a wish list (or product list of interest) containing product information related to at least one received product, identification information of the terminal 100, etc.

In this way, the POC server 200 provides promotional information (or benefits) to the terminal 100 by linking with the service server 300.

Additionally, the POC server 200 transmits a wish list (or product list of interest) containing product information related to at least one received product, identification information of the terminal 100, etc. to the service server 300.

The service server 300 communicates with the terminal 100, POC server 200, service server 300, credit card company server 400, POS terminal 500, etc.

Additionally, the service server 300 stores (or registers) one or more (or multiple) promotional information (or benefit information/promotion information for each product/benefit information for each product) by linking with an affiliate (not shown). Here, the affiliate (or affiliate server) includes a manufacturer that manufactures a specific product, a distributor that distributes the specific product, etc.

Additionally, the service server 300 receives personal information provision consent information and identification information of the terminal 100 transmitted from the POC server 200.

Additionally, the service server 300 transmits the received personal information provision consent information, identification information of the terminal 100, etc. to one or more credit card company servers 400 affiliated with the service server 300.

Additionally, the service server 300 receives a wish list (or product list of interest) containing product information related to at least one product transmitted from the POC server 200, identification information of the terminal 100, etc.

Additionally, the service server 300 stores a wish list (or product list of interest) containing product information related to at least one received product, identification information of the terminal 100, etc.

If the payment function is normally performed by linking between the terminal 100, the credit card company server 300, and the POS terminal 500 for one or more products selected by a user holding the terminal 100 visiting the store, the service server ( 300) receives an authorization number (including, for example, a credit card authorization number, a check card authorization number, etc.), store information, purchase product details, etc. transmitted from the POS terminal 500. At this time, the purchase product details include one or more product names, product unique codes, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

Additionally, the service server 300 stores the received authorization number (including, for example, a credit card authorization number, check card authorization number, etc.), store information, purchase product details, etc.

Additionally, the service server 300 receives personal information, approval numbers, etc. related to the corresponding terminal 100 transmitted from the credit card company server 400.

Additionally, the service server 300 determines whether the authorization number transmitted from the corresponding credit card company server 400 matches the authorization number transmitted from the POS terminal 500 previously received.

As a result of the determination, if the authorization number transmitted from the credit card company server 400 and the authorization number transmitted from the previously received POS terminal 500 do not match, the service server 300 provides the benefit to the terminal 100. It does not provide any information and terminates the entire process.

In addition, as a result of the determination, if the approval number transmitted from the credit card company server 400 matches the approval number transmitted from the previously received POS terminal 500, the service server 300 determines that the previously received POS terminal 500 Within a wish list (or interest product list) containing product information corresponding to at least one product related to the terminal 100 pre-stored in the service server 300 among one or more products included in the purchase product details transmitted from Check whether there is product information (or product) included.

As a result of confirmation, among one or more products included in the purchase product details transmitted from the previously received POS terminal 500, there is no product information included in the wish list related to the terminal 100 previously stored in the service server 300. , the service server 300 terminates the entire process without providing benefits to the corresponding terminal 100.

In addition, as a result of confirmation, among one or more products included in the purchase product details transmitted from the POS terminal 500 previously received, product information included in the wish list related to the terminal 100 pre-stored in the service server 300 ( For example, if there is one or more first product information), the service server 300 may provide information regarding one or more specific products included in the wish list related to the terminal 100 among the one or more products included in the purchase product details. Benefits (including, for example, discounts, savings, etc.) are provided to the corresponding terminal 100 for each specific product information.

In this way, when a payment function is performed for a product registered in advance on the terminal 100 through the wish list, the service server 300 provides promotional information (or When there is benefit information), benefits according to a promotion related to the product are provided to the terminal 100 purchasing the product, thereby maximizing the advertising effect of the sponsor (or affiliate) according to the promotion.

The credit card company server 400 communicates with the service server 300, POS terminal 500, etc.

In addition, the credit card company server 400 performs a payment function for one or more products selected by the user of the terminal 100 by linking with the terminal 100 and the POS terminal 500.

Additionally, the credit card company server 400 registers as an affiliated company with the corresponding service server 300.

Additionally, the credit card company server 400 receives personal information provision consent information, identification information of the terminal 100, etc. transmitted from the service server 300.

Additionally, the credit card company server 400 stores the received personal information provision consent information, identification information of the terminal 100, etc.

That is, the credit card company server 400 stores personal information provision consent information for each terminal based on the received personal information provision consent information and identification information of the terminal 100.

In addition, the credit card company server 400 receives one or more product information to be paid, payment card type, payment card number (including, for example, credit card number, check card number, etc.) transmitted from the POS terminal 500, and the terminal 100. Identification information, identification information of the POS terminal 500, etc. are received.

In addition, the credit card company server 400 determines one or more products to be paid for based on one or more product information to be paid for, payment card type, payment card number (including, for example, credit card number, check card number, etc.), etc. Perform the approval procedure for the payment amount corresponding to the product to be paid above.

In addition, after the approval process is normally performed, the credit card company server 400 sends the approval number (including, for example, credit card approval number, check card approval number, etc.) related to the one or more product information to be paid to the POS terminal 500. send to

Additionally, when the approval process fails, the credit card company server 400 transmits to the POS terminal 500 information indicating that approval has failed for one or more products to be paid for requested by the POS terminal 500.

After performing the approval process, the credit card company server 400 selects personal information (CI) corresponding to the credit card number (or the corresponding terminal ( 100) Confirm personal information/personal information provision consent information).

Additionally, the credit card company server 400 transmits personal information, approval numbers, etc. related to the confirmed corresponding terminal 100 to the service server 300.

The POS (Point of Sales) terminal 500 communicates with the terminal 100, the service server 300, etc.

In addition, the POS terminal 500 scans one or more products to be paid (or products to be paid) selected by the user of the terminal 100 (or recognizes the barcode attached to the product to be paid).

Additionally, the POS terminal 500 displays product information about one or more scanned (or recognized) products to be paid. Here, product information includes product name, product unique code, unit price, quantity, amount, total amount, etc.

In addition, the POS terminal 500 includes one or more product information to be paid, a payment card type, a payment card number (including, for example, a credit card number, a check card number, etc.), identification information of the terminal 100, and the POS terminal 500. Identification information, etc. is transmitted to the credit card company server 400 related to the payment card number. At this time, in order to perform a simple payment function by linking with the terminal 100 and the POC server 300, the POS terminal 500 provides one or more product information to be paid, payment card type, and PIN number (or the corresponding terminal (100) ), identification information of the terminal 100, identification information of the POS terminal 500, etc. may be transmitted to the credit card company server 400 related to the corresponding payment card number.

In addition, the POS terminal 500 receives an authorization number related to the one or more product information to be paid transmitted from the credit card company server 400 in response to the previously transmitted one or more product information to be paid, payment card type, payment card number, etc. do.

In addition, upon completion of normal approval, the POS terminal 500 outputs payment information through a printout such as a receipt and provides it to the user of the terminal 100. Here, payment information (or payment function performance results) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

After payment is completed, the POS terminal 500 transmits an authorization number (including, for example, a credit card authorization number, a check card authorization number, etc.), store information, and purchase product details to the service server 300. At this time, the purchase product details include one or more product names, product unique codes, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

In an embodiment of the present invention, when a user of the terminal 100 who visits an off-store equipped with the POS terminal 500 performs a payment function through a credit card, check card, etc., the product for which the promotion has been registered in advance It is explained that additional benefits are provided when purchasing, but it is not limited to this, and even when performing a simple payment function through the Electronic Armor app installed on the terminal 100, the product for which the corresponding promotion is registered is purchased. If so, additional benefits may be provided.

The terminal 100, POC server 200, service server 300, credit card company server 400, and POS terminal 500 have a communication unit (not shown), a storage unit (not shown), and a display unit (not shown), respectively. , a voice output unit (not shown), a control unit (not shown), etc.

The communication unit communicates with any internal component or at least one external terminal through a wired/wireless communication network. Here, wireless Internet technologies include Wireless LAN (WLAN), DLNA (Digital Living Network Alliance), Wibro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), and HSDPA (High Speed Downlink Packet Access). ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), LTE-A (Long Term Evolution-Advanced), Wireless Mobile Broadband Service (WMBS), etc. There is a communication unit that transmits and receives data according to at least one wireless Internet technology, including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, RFID (Radio Frequency Identification), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, and Near Field Communication (NFC). , Ultrasound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, etc. may be included. Additionally, wired communication technologies may include Power Line Communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cables, etc.

Additionally, the communication unit can transmit information to and from any terminal through the Universal Serial Bus (USB).

In addition, the Ministry of Communications develops technical standards or communication methods for mobile communication (e.g., GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), Long Term Evolution (LTE-A) -Advanced, etc.) transmits and receives wireless signals to a base station, terminal 100, POC server 200, service server 300, credit card company server 400, POS terminal 500, etc.

The storage unit stores various user interfaces (UI), graphic user interfaces (GUI), etc.

In addition, the storage unit stores data and programs necessary for the operation of the terminal 100, POC server 200, service server 300, credit card company server 400, POS terminal 500, etc.

That is, the storage unit is used for the operation of a number of applications (application programs or applications) running on the terminal 100, POC server 200, service server 300, credit card company server 400, POS terminal 500, etc. Data and commands can be stored. At least some of these applications may be downloaded from an external service providing device through wireless communication. In addition, at least some of these applications include the terminal 100, POC server 200, service server 300, and credit card from the time of shipment for basic functions (e.g., call incoming and outgoing functions, message receiving and sending functions). It may exist in the card company server 400, POS terminal 500, etc. Meanwhile, the application program is stored in the storage unit, installed on the terminal 100, POC server 200, service server 300, credit card company server 400, POS terminal 500, etc., and operated (or function).

In addition, the storage unit is a flash memory type, hard disk type, multimedia card micro type, card type memory (for example, SD or XD memory, etc.), and magnetic Memory, magnetic disk, optical disk, RAM (Random Access Memory), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory) It may include at least one storage medium (Only Memory). In addition, the terminal 100, POC server 200, service server 300, credit card company server 400, POS terminal 500, etc. are web storage that performs a storage function on the Internet. ), or may operate in relation to web storage.

The display unit can display various contents, such as various menu screens, using the user interface and/or graphic user interface stored in the storage unit under the control of the control unit. Here, the content displayed on the display unit includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. Additionally, the display unit may be a touch screen.

In addition, the display unit includes a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. , it may include at least one of a 3D display, an e-ink display, and an LED (Light Emitting Diode).

Additionally, the display unit may be configured as a three-dimensional display unit that displays a three-dimensional image.

A three-dimensional display method such as a stereoscopic method (glasses method), an autostereoscopic method (glasses-free method), or a projection method (holographic method) may be applied to the three-dimensional display unit.

The audio output unit outputs audio information included in a signal processed by the control unit. Here, the audio output unit may include a receiver, speaker, buzzer, etc.

Additionally, the voice output unit outputs a guidance voice generated by the control unit.

The control unit executes overall control functions of the terminal 100, POC server 200, service server 300, credit card company server 400, and POS terminal 500.

Additionally, the control unit executes overall control functions using programs and data stored in the storage unit. The control unit may include RAM, ROM, CPU, GPU, and a bus, and the RAM, ROM, CPU, GPU, etc. may be connected to each other through the bus. The CPU can access the storage unit, perform booting using the O/S stored in the storage unit, and perform various operations using various programs, content, data, etc. stored in the storage unit.

Additionally, the terminal 100 may further include an interface unit (not shown) that serves as an interface with all external devices connected to the terminal 100. For example, the interface unit includes a wired/wireless headset port, an external charger port, a wired/wireless data port, a memory card port, a port for connecting a device equipped with an identification module, and audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. Here, the identification module is a chip that stores various information for authenticating the use authority of the terminal 100, including a user identity module (UIM), a subscriber identity module (SIM), and a general-purpose user authentication module. (Universal Subscriber Identity Module: USIM), etc. Additionally, a device equipped with an identification module may be manufactured in a smart card format. Accordingly, the identification module can be connected to the terminal 100 through the port. Such an interface unit receives data or power from an external device and transmits it to each component inside the terminal 100, or transmits data inside the terminal 100 to an external device.

In addition, the interface unit becomes a path through which power from the cradle is supplied to the terminal 100 when the terminal 100 is connected to an external cradle, or various command signals input from the cradle by the user are transmitted to the terminal 100. It can be a conduit for transmission. Various command signals or corresponding power input from the cradle may be operated as signals for recognizing that the terminal 100 is correctly mounted on the cradle.

In addition, the terminal 100 has an input unit (not shown) for receiving a signal according to a user's button operation or arbitrary function selection, or a command or control signal generated by an operation such as touching/scrolling the displayed screen. Poetry) may also be included.

The input unit is a means for receiving at least one of the user's commands, selections, data, and information, and may include a plurality of input keys and function keys for receiving numeric or character information and setting various functions.

In addition, the input unit includes a key pad, dome switch, touch pad (static/capacitive), touch screen, jog wheel, jog switch, jog shuttle, and mouse. , a variety of devices such as a stylus pen and a touch pen may be used. In particular, when the display unit is formed in the form of a touch screen, some or all of the input functions can be performed through the display unit.

Additionally, each component (or module) of the terminal 100 may be software stored in the memory (or storage) of the terminal 100. The memory may be an internal memory of the terminal 100, an external memory, or another type of storage device. Additionally, the memory may be non-volatile memory. Software stored on the memory may include a set of instructions that cause the terminal 100 to perform a specific operation when executed.

Additionally, the POC server 200, service server 300, and credit card company server 400 may be implemented in the form of a web server, database server, proxy server, etc. In addition, the POC server 200, the service server 300, and the credit card company server 400 have a network load balancing mechanism, or the POC server 200, the service server 300, and the credit card company server 400 are connected to the Internet or other network. One or more of a variety of software that allows operation on the computer may be installed, thereby enabling it to be implemented as a computerized system. Additionally, the network may be an http network, a private line, an intranet, or any other network. Furthermore, the connection between the POC server 200, service server 300, and credit card company server 400 and the terminal 100 or POS terminal 500 prevents data from being attacked by any hacker or other third party. It can be connected to a secure network. In addition, the POC server 200, service server 300, and credit card company server 400 may include a plurality of database servers, and these database servers may be connected to the POC through any type of network connection, including a distributed database server architecture. It may be implemented in a way that it is separately connected to the server 200, the service server 300, and the credit card company server 400.

In addition, the processor mounted on the terminal 100, POC server 200, service server 300, and credit card company server 400 according to the present invention can process program instructions for executing the method according to the present invention. . In one implementation, the processor may be a single-threaded processor, and in another implementation, the processor may be a multi-threaded processor. Furthermore, this processor is capable of processing instructions stored in memory or a storage device.

In this way, product-level benefits can be provided to customers using credit cards by using the credit card authorization number.

Hereinafter, a method of controlling a payment system for providing per-product benefits using a credit card approval number according to the present invention will be described in detail with reference to FIGS. 1 to 6.

Figures 2 to 4 are flowcharts showing a control method of a payment system for providing per-product benefits using a credit card approval number according to an embodiment of the present invention.

First, the terminal 100 connects to the POC server 200 and then transmits personal information provision consent information, identification information of the terminal 100, etc. to the POC server 200. Here, the personal information provision consent information provides personal information (Connecting Information: CI) related to the user of the terminal 100 to one or more credit card company servers 400 affiliated with the service server 300 for purposes such as marketing. It may be information that you agree with. Additionally, the identification information of the terminal 100 includes MDN, mobile IP, mobile MAC, SIM card unique information, serial number, etc.

As an example, after the first terminal 100 connects to the POC server 200 through the electronic wallet app installed on the first terminal, as shown in FIG. 5, the first terminal is provided through the electronic wallet app. A function of agreeing to provide personal information (CI) related to the user of the first terminal for marketing purposes to the ABC credit card company server (400) affiliated with the service server (300) according to the user's selection of the first terminal through the screen. Perform. Thereafter, the first terminal transmits personal information provision consent information, identification information of the first terminal, etc. to the POC server 200 (S210).

Thereafter, the POC server 200 receives personal information provision consent information transmitted from the terminal 100, identification information of the terminal 100, etc.

Additionally, the POC server 200 transmits the received personal information provision consent information, identification information of the terminal 100, etc. to the service server 300.

As an example, the POC server 200 receives personal information provision consent information and identification information of the first terminal transmitted through an electronic wallet app installed on the first terminal, and receives the received personal information provision consent information and the first terminal. Stores identification information, etc.

Additionally, the POC server 200 transmits personal information consent information related to the first terminal, identification information of the first terminal, etc. to the service server 300 (S220).

Thereafter, the service server 300 receives personal information provision consent information, identification information of the terminal 100, etc. transmitted from the POC server 200.

Additionally, the service server 300 transmits the received personal information provision consent information, identification information of the terminal 100, etc. to one or more credit card company servers 400 affiliated with the service server 300.

As an example, the service server 300 receives personal information provision consent information, identification information of the first terminal, etc. transmitted from the POC server 200, and receives the received personal information provision consent information, identification information of the first terminal, etc. It is transmitted to the ABC credit card company server (400) affiliated with the corresponding service server (300) (S230).

Thereafter, the credit card company server 400 receives personal information provision consent information, identification information of the terminal 100, etc. transmitted from the service server 300.

Additionally, the credit card company server 400 stores the received personal information provision consent information, identification information of the terminal 100, etc.

As an example, the ABC credit card company server receives personal information provision consent information, identification information of the first terminal, etc. transmitted from the service server 300, and matches the received personal information provision consent information, identification information of the first terminal, etc. and save it (S240).

Thereafter, the terminal 100 selects at least one product according to the user selection of the terminal 100 from the list of event products provided by the POC server 200 through linkage with the POC server 200.

Additionally, the terminal 100 transmits a wish list (or interest product list) containing product information related to at least one selected product, identification information of the terminal 100, etc. to the POC server 200.

As an example, the first terminal selects the first to tenth products from the event product list provided by the POC server 200 by linking with the POC server 200, and corresponds to the selected first to tenth products. The first wish list including the first to tenth product information, identification information of the first terminal, etc. are transmitted to the POC server 200 (S250).

Thereafter, the POC server 200 receives a wish list (or product list of interest) containing product information related to at least one product transmitted from the terminal 100, identification information of the terminal 100, etc.

Additionally, the POC server 200 transmits a wish list (or product list of interest) containing product information related to at least one received product, identification information of the terminal 100, etc. to the service server 300.

As an example, the POC server 200 receives a first wish list including first to tenth product information corresponding to the first to tenth products transmitted from the first terminal, identification information of the first terminal, etc. And the received first wish list, identification information of the first terminal, etc. are transmitted to the service server 300 (S260).

Thereafter, the service server 300 receives a wish list (or product list of interest) containing product information related to at least one product transmitted from the POC server 200, identification information of the terminal 100, etc.

Additionally, the service server 300 stores a wish list (or product list of interest) containing product information related to at least one received product, identification information of the terminal 100, etc.

As an example, the service server 300 may provide a first wish list containing first to tenth product information corresponding to the first to tenth products transmitted from the POC server 200, identification information of the first terminal, etc. is received, and the received first wish list, identification information of the first terminal, etc. are linked and stored (S270).

Thereafter, the POS terminal 500 scans one or more products to be paid (or products to be paid for) selected by the user of the terminal 100 (or recognizes the barcode attached to the product to be paid for).

Additionally, the POS terminal 500 displays product information about one or more scanned (or recognized) products to be paid. Here, product information includes product name, product unique code, unit price, quantity, amount, total amount, etc.

In addition, the POS terminal 500 includes one or more product information to be paid, a payment card type, a payment card number (including, for example, a credit card number, a check card number, etc.), identification information of the terminal 100, and the POS terminal 500. Identification information, etc. is transmitted to the credit card company server 400 related to the corresponding payment card number. At this time, in order to perform a simple payment function by linking with the terminal 100 and the POC server 300, the POS terminal 500 provides one or more product information to be paid, payment card type, and PIN number (or the corresponding terminal (100) ), identification information of the terminal 100, identification information of the POS terminal 500, etc. may be transmitted to the credit card company server 400 related to the corresponding payment card number.

As an example, the POS terminal 500 recognizes the barcodes attached to the tenth to twelfth products, respectively, for the tenth to twelfth products selected by the user of the first terminal, and recognizes the barcodes attached to the tenth to twelfth products, respectively, and displays the recognized tenth to twelfth products. Displays product information about the 12th product.

In addition, the POS terminal 500 stores product information for the recognized 10th to 12th products, AA card (or AA card type), identification information of the first terminal, identification information of the POS terminal 500, etc. It is transmitted to the ABC credit card company server (or payment server) (not shown) related to the card (S280).

Thereafter, the credit card company server 400 receives one or more product information to be paid for transmitted from the POS terminal 500, a payment card type, a payment card number (including, for example, a credit card number, a check card number, etc.), and the terminal 100. Identification information, identification information of the POS terminal 500, etc. are received.

In addition, the credit card company server 400 determines one or more products to be paid for based on one or more product information to be paid for, payment card type, payment card number (including, for example, credit card number, check card number, etc.), etc. Perform the approval procedure for the payment amount corresponding to the product to be paid above.

In addition, after the approval process is normally performed, the credit card company server 400 sends the approval number (including, for example, credit card approval number, check card approval number, etc.) related to the one or more product information to be paid to the POS terminal 500. send to

As an example, the ABC credit card company server performs an approval process through the AA card for the total payment amount corresponding to product information for the 10th to 12th products, and sends approval information (e.g. 77001122) according to the approval process. ) is transmitted to the POS terminal 500 (S290).

Thereafter, the POS terminal 500 receives an authorization number related to the one or more product information to be paid transmitted from the credit card company server 400 in response to the previously transmitted one or more product information to be paid, payment card type, payment card number, etc. do.

In addition, upon completion of normal approval, the POS terminal 500 outputs payment information through a printout such as a receipt and provides it to the user of the terminal 100. Here, payment information (or payment function performance results) includes product name, product unique code, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

As an example, the POS terminal 500 receives an authorization number (for example, 77001122) transmitted from the ABC credit card company server in response to product information for the tenth to twelfth product previously transmitted, and provides payment information in the form of a receipt. It is printed, and the printed receipt is provided to the user of the first terminal (S300).

After payment is completed, the POS terminal 500 transmits an authorization number (including, for example, a credit card authorization number, a check card authorization number, etc.), store information, and purchase product details to the service server 300. At this time, the purchase product details include one or more product names, product unique codes, unit price, quantity, discount amount, coupon application, amount, total amount, payment date and time information, payment card type, etc.

As an example, the POS terminal 500 may display an authorization number for an AA credit card (e.g., 77001122), store information, and purchase product details (e.g., 10th to 12th product information corresponding to the 10th to 12th products). (including product quality, etc.) is transmitted to the service server 300 (S310).

Thereafter, the service server 300 receives an authorization number (including, for example, a credit card authorization number, a check card authorization number, etc.), store information, purchase product details, etc. transmitted from the POS terminal 500.

Additionally, the service server 300 stores the received authorization number (including, for example, a credit card authorization number, check card authorization number, etc.), store information, purchase product details, etc.

As an example, the service server 300 may provide an authorization number (e.g., 77001122) for an AA credit card transmitted from the POS terminal 500, store information, and purchase product details (e.g., corresponding to the 10th to 12th products). (S320).

After performing the approval process, the credit card company server 400 selects personal information (CI) corresponding to the credit card number (or the corresponding terminal ( 100) Confirm personal information/personal information provision consent information).

Additionally, the credit card company server 400 transmits personal information, approval numbers, etc. related to the confirmed corresponding terminal 100 to the service server 300.

As an example, after performing an approval process through an AA card, the ABC credit card company server collects information related to the first terminal corresponding to the AA card from among the personal information provision consent information for each credit card number pre-stored on the ABC credit card company server. Confirm personal information (CI) (or personal information provision consent information), and transmit personal information (CI) and approval information (for example, 77001122) corresponding to the confirmed AA card to the service server 300 ( S330).

Afterwards, the service server 300 receives personal information, approval numbers, etc. related to the corresponding terminal 100 transmitted from the credit card company server 400.

Additionally, the service server 300 determines whether the authorization number transmitted from the corresponding credit card company server 400 matches the authorization number transmitted from the POS terminal 500 previously received.

As an example, the service server 300 determines whether the authorization information transmitted from the ABC credit card company server matches the authorization information transmitted from the POS terminal 500 (S340).

As a result of the determination, if the authorization number transmitted from the credit card company server 400 and the authorization number transmitted from the previously received POS terminal 500 do not match, the service server 300 provides the benefit to the terminal 100. It does not provide any information and terminates the entire process.

For example, when the authorization information transmitted from the ABC credit card company server and the authorization information transmitted from the POS terminal 500 do not match, the service server 300 terminates the entire process (S350).

In addition, as a result of the determination, if the approval number transmitted from the credit card company server 400 matches the approval number transmitted from the previously received POS terminal 500, the service server 300 determines that the previously received POS terminal 500 Within a wish list (or interest product list) containing product information corresponding to at least one product related to the terminal 100 pre-stored in the service server 300 among one or more products included in the purchase product details transmitted from Check whether there is product information (or product) included.

As an example, when the approval information transmitted from the ABC credit card company server matches the approval information transmitted from the POS terminal 500, the service server 300 records the purchase product details transmitted from the POS terminal 500 (e.g. Among the 10th to 12th products included in the 10th to 12th products (including the 10th to 12th product information corresponding to the 10th to 12th products), the first product related to the terminal 100 pre-stored in the corresponding service server 300 It is checked whether there is product information included in the wish list (for example, including the first to tenth product information, etc.) (S360).

As a result of confirmation, among one or more products included in the purchase product details transmitted from the previously received POS terminal 500, there is no product information included in the wish list related to the terminal 100 previously stored in the service server 300. , the service server 300 terminates the entire process without providing benefits to the corresponding terminal 100.

As an example, among the 10th to 12th products included in the purchase product details transmitted from the POS terminal 500, the 21st to 23rd product information related to the terminal 100 previously stored in the corresponding service server 300 When there is no product information included in the second wish list, the service server 300 terminates the entire process (S370).

In addition, as a result of confirmation, among one or more products included in the purchase product details transmitted from the POS terminal 500 previously received, product information included in the wish list related to the terminal 100 pre-stored in the service server 300 ( For example, if there is one or more first product information), the service server 300 may provide information regarding one or more specific products included in the wish list related to the terminal 100 among the one or more products included in the purchase product details. Benefits (including, for example, discounts, savings, etc.) are provided to the corresponding terminal 100 for each specific product information.

Additionally, the terminal 100 receives information about benefits (or benefit information) provided from the service server 300 and displays the received benefit information.

As an example, among the 10th to 12th products included in the purchase product details transmitted from the POS terminal 500, the 10th product included in the first wish list related to the first terminal pre-stored in the corresponding service server 300 When there is information, the service server 300 provides the corresponding terminal 100 with a 10% accumulation benefit for the payment amount for the relevant tenth product information, which is a benefit according to a preset promotion in response to the tenth product information.

In addition, the terminal 100 receives information about the 10% savings benefit for the 10th product provided from the corresponding service server 300, and, as shown in FIG. 6, 10% savings for the received 10th product Information about benefits (510) is displayed (S380).

The terminal, server, POS terminal, and payment system including the same according to an embodiment of the present invention can be written as a computer program, and the codes and code segments constituting the computer program can be easily inferred by a computer programmer in the field. there is. In addition, the computer program is stored in a computer-readable information storage medium, and is read and executed by a computer or a terminal, server, or POS terminal according to an embodiment of the present invention, so that the terminal, server, or POS terminal , a payment system including it can be implemented.

Information storage media include magnetic recording media, optical recording media, and carrier wave media. A terminal, a server, a POS terminal, and a computer program implementing a payment system including the same according to an embodiment of the present invention may be stored and installed in the internal memory of the terminal, server, POS terminal, etc. Alternatively, an external memory such as a smart card storing and installing a computer program implementing a terminal, server, POS terminal, and payment system including the same according to an embodiment of the present invention includes the terminal, server, POS terminal, and the like through an interface. It can also be installed in a payment system, etc.

As described above, an embodiment of the present invention provides product-level benefits to customers using credit cards by using the credit card's authorization number, and in the case of a manufacturer, product-level promotion according to whether the customer recognizes the purchased product. This is possible, and customers can receive product-level benefits without taking additional action at the time of payment, and credit card companies can increase card usage by conveniently providing benefits to customers.

The above-described content can be modified and modified by anyone skilled in the art without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but are for illustrative purposes, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be interpreted in accordance with the claims below, and all technical ideas within the equivalent scope should be construed as being included in the scope of rights of the present invention.

The present invention provides product-level benefits to customers using credit cards by using the credit card's authorization number, allowing manufacturers to promote product-level products depending on whether the customer recognizes the purchased product, and for customers at the time of payment. Product-level benefits can be provided without additional actions, and credit card companies can increase card usage by conveniently providing benefits to customers. It can be widely used in the promotional field, terminal field, server field, and marketing field. .

10: Payment system 100: Terminal
200: POC server 300: Service server
400: Credit card company server 500: POS terminal

Claims (7)

Receiving a wish list containing product information related to at least one product selected from the event product list by the user of the terminal that has received the event product list from the POC (point of contact) server and identification information of the terminal from the POC server. steps;
For one or more products selected by the user of the terminal for purchase, personal information and approval numbers related to the terminal according to the payment are received from the credit card company server, and the details of the purchased products paid for and the approval number are received from the POS terminal, and the approval number is received. matching based on; and
When there is one or more first product information included in the wish list among one or more products included in the received purchase product details, providing a pre-registered benefit in relation to the one or more first product information to the terminal. Includes,
The step of providing pre-registered benefits in relation to the one or more first product information to the terminal,
The authorization number transmitted from the credit card company server matches the authorization number transmitted from the received POS terminal, and among the one or more products included in the received purchase product details, one or more first product information included in the wish list is When there is, a process of checking benefit information corresponding to the first product information among a plurality of product-specific benefit information transmitted from a plurality of affiliates and stored in advance; and
Including the process of providing the confirmed benefit information to the terminal,
A control method of a service server, wherein the benefit information is at least one of accumulation and discount. According to claim 1,
The above purchased product details are:
A control method of a service server comprising at least one of one or more product names, product unique codes, unit price, quantity, discount amount, coupon application status, amount, payment date and time information, total amount, and payment card type. delete delete A step where the POC server transmits a list of event products to the terminal;
transmitting, by the terminal, a wish list containing product information related to at least one product selected according to user selection of the terminal from the event product list and identification information of the terminal to a service server via the POC server;
The POS terminal scans one or more products to be paid for selected by the user of the terminal for purchase and transmits product information to be paid, payment card type, payment card number, identification information of the terminal, and identification information of the POS terminal to the credit card company server. steps;
The credit card company server transmitting an authorization number for product payment to the POS terminal, and after the POS terminal receives the authorization number, transmitting the received authorization number, store information, and purchased product details to the service server; and
The service server compares the authorization number received from the POS terminal with the authorization number transmitted from the credit card company server, and if it matches, confirms the received purchase product details, and when there is one or more first product information included in the wish list, Comprising the step of providing pre-registered benefits related to the one or more first product information to the terminal,
A method of controlling a payment system for providing per-product benefits using a credit card approval number, wherein the benefit information is at least one of savings and discounts. A recording medium on which a computer program for performing the method according to any one of claims 1, 2, and 5 is recorded. Receive from the POC server a wish list containing product information related to at least one product selected from the event product list by a user of the terminal that has received the event product list from the POC server and identification information of the terminal, and A communication unit that receives an authorization number, store information, and purchased product details transmitted from a POS terminal according to payment for one or more products selected by the user, and receives personal information and an authorization number related to the terminal transmitted from a credit card company server; and
The details of purchased products for which payment has been completed are distinguished based on the approval number transmitted from the credit card company server and the approval number transmitted from the received POS terminal, and the approval number transmitted from the credit card company server and the received POS terminal When the approval numbers match each other and there is one or more first product information included in the wish list by checking the details of the purchased product for which the payment has been completed, pre-registered benefits related to the one or more first product information are provided to the terminal. It includes a control unit that
A service server wherein the benefit is at least one of accumulation and discount.

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