KR20010000924A - The individual differential discount coupon, differential point reserving system using Internet and credit card settlement system and the method of the same - Google Patents

Abstract

PURPOSE: A system for individual differential discount coupon and differential point accumulation using the internet and credit card payment system is provided to supply a greater discount rate when the customer frequently purchases a particular product or visits a particular shop, to increase the sales of the member products and shops, and to promote products on the internet by enabling the manufacturers to provide discount coupons online. CONSTITUTION: A system for individual differential discount coupon and differential point accumulation using internet and credit card payment system is composed of registration, selection, and purchase. A user who wishes to become a member registers for membership by visiting the coupon manager's web site and inputting one's credit card number(1). The user searches for the necessary coupons and prints the desired coupon or stores them in the wireless internet device(2). When making a purchase, the user displays the credit card and the appropriate coupon(3), and the member store transmits the coupon identification code and the credit card number to the credit card operator(4). The credit card operator searches for the user's credit information, approves the transaction, and transmits the member's discount rate(5). The operator searches the member's past purchase information DB, calculates the discount rate for the coupon, and transmits the discount information to the credit card operator(6). The shop manager provides the discount, receives the payment, and discloses the discount information to the purchaser(7).

Description

The individual differential discount coupon, differential point reserving system using Internet and credit card settlement system and the method of the same}

The present invention is a differential discount coupon and a differential point earning system for individuals using the Internet and credit card payment system, and more specifically, the individual manufacturers / merchants using the Internet and credit card payment system in the past purchase results of consumers' own products The present invention relates to a new discount coupon and point establishment system and method for supporting higher discount benefits or points to consumers with high performance.

The discount coupons were launched in 1895 by a US cereal manufacturer attaching a one-cent discount coupon to 'Grape Nuts', and in 1999, 4.6 billion maker-issued discount coupons were used to provide direct discounts of $ 3 billion. As one of the most common promotional means.

However, in the existing discount coupon issuance system using the Internet, the Internet is only used as a new delivery medium for providing discount coupons to consumers. In addition, most discount coupons issued by makers use paper discount coupons with barcode printing to analyze promotion effects and calculate discount coupon sales / operation agents. As a result, discount coupons issued by manufacturers are not used in the e-commerce market.

On the other hand, in order to overcome the limitations of discount coupons, it is a discount card and an integrated point / mileage card of a company that has a large number of customers. Recently, credit cards combining these discount / point accumulation functions and credit purchase functions have appeared.

However, the merchants that can enjoy the discount benefits are extremely limited, or in the case of the integrated point card has a problem that the incentive to buy a merchant gradually weakened due to the very low point accumulation rate.

In addition, the conventional discount coupons and discount cards and integrated point cards are all treating the same as the situation is causing a decrease in customer satisfaction.

An object of the present invention has been made to solve the above problems, the object of the present invention is to increase the actual income by providing consumers with a higher discount benefits and points earning points when using the maker products or businesses they mainly consume It also supports the issuer of discount coupons such as makers and merchants to help them achieve the actual purpose of discount coupons by increasing the number of regular customers, while increasing the proportion of them as the Internet spreads. In addition, the present invention is to provide a differential discount coupon and a differential point earning system and a method using an improved Internet and a credit card payment system that enable makers to carry out promotional activities through discount coupons.

1 is a conceptual diagram of a manufacturer-issued discount coupon system using the existing Internet.

2 is a conceptual diagram of a discount coupon system issued by the merchant using the existing Internet.

3 is a flowchart illustrating a process of acquiring a discount coupon using the Internet.

Figure 4 is a flow chart showing the process of using the existing discount coupon issued by the manufacturer.

5 is a conceptual diagram of an integrated point earning system using a credit card with integrated point accumulation function.

Figure 6 is a flow chart of the process of earning integration points using a credit card containing the existing integration point earning function.

7 is a conceptual diagram of a maker-issued differential discount system according to the present invention.

8 is a conceptual diagram of a franchise issuance differential discount system according to the present invention.

9 is a block diagram illustrating in more detail the participants and their relationships in the commodity trading using the system according to the present invention.

10 is a flowchart illustrating a process of obtaining a differential discount coupon and a differential point coupon according to the present invention.

11 is a flowchart illustrating a process of using a differential discount coupon in an offline affiliated store according to the present invention.

12 is a flowchart illustrating a process of using a differential discount coupon according to the present invention in an electronic commerce.

Figure 13 is a conceptual diagram of a maker issued differential point coupon system according to the present invention.

Figure 14 is a conceptual diagram of the merchant providing differential point earning system according to the present invention.

15 is a flowchart illustrating a process of using a maker-issued differential point coupon in an offline affiliated store according to the present invention.

16 is a flowchart illustrating a process of using a maker-issued differential point coupon in an e-commerce affiliated store according to the present invention.

FIG. 17 is a flowchart illustrating a process in which points are differentially accumulated for each individual by using a credit card having a differential point accumulation function in an online / offline affiliate store that is subscribed to a differential point accumulation system according to the present invention.

18 is a flow chart illustrating a process for a consumer to pay using the points earned for each individual after the purchase of goods in the online / offline merchant according to the present invention.

According to an aspect of the present invention, a method for using a personalized discount coupon using the Internet and a credit card payment system according to the present invention includes information including card information, payment amount, differential discount coupon-related information, merchant number, and payment request amount. Receiving a step, identifying the card holder by retrieving the card information from the personal information-related information DB, and identifying the merchant of the received merchant number by searching the merchant number in the merchant DB, differential discount coupon / differential point Identifying the issuer or affiliated store of the differential discount coupon indicated by the related information entered by searching the differential discount coupon related information in the coupon issuer DB, and searching the individual past purchase information DB for the corresponding product to be used by the card holder. Reading past purchase information on the card, and searching the differential discount DB Investigating the purchase amount and discount rate calculation method of the purchaser and calculating the discount amount; updating the purchase status of the corresponding maker / merchant in the individual past purchase information DB and the use of the differential discount coupon in the differential discount coupon issuer DB; And transmitting the total discount amount information.

In addition, according to another aspect of the present invention, in the differential point coupon earning method for individuals using the Internet and credit card payment system according to the present invention, card information, payment amount, differential point coupon related information, merchant number, payment request amount Receiving information including; identifying card holders by retrieving card information from a personal information related DB; retrieving an affiliate store number by retrieving an affiliate store number from an affiliate store DB; and differential discount Identifying the issue maker or affiliate store of the differential point coupon indicated by the related information entered by searching for the differential discount coupon related information in the coupon / different point coupon issuer DB, and searching the individual past purchase information DB for use by the card holder Reading past purchase information about the product to be purchased and the differential points Search the phone DB to find the points earning method that can be applied according to the cardholder's purchase results, and calculate the points accumulated amount, and the corresponding manufacturer / merchant purchase results and differential point coupon issuer DB in the individual past purchase information DB Updating the status of use of the differential point coupons and the individual point accumulation history DB, and transmitting the calculated point reserve amount information.

Hereinafter, the present invention will be described in more detail with reference to the drawings.

1 is a conceptual diagram of a maker issuance discount coupon system using the existing Internet. Participants of the system are a web server (discount coupon operator), a maker (discount coupon issuer), a merchant and a consumer. When an individual maker requests the issuance of a discount coupon to the web server side, the web server side registers the discount coupon on its website. After that, the consumer visits the website, searches for the discount coupon he needs (①), prints it out to the printer (②), and presents the discount coupon when purchasing the product at the merchant where the POS system is installed (③) to receive the discount benefits and purchase the goods. (④). Merchants present discount coupons collected in the course of merchandise sales to the web server operator (⑤) and receive the discount amount given to the consumer through discount coupons (⑥), and the web server operator is recovered to the maker who is the issuer of the discount coupon. After submitting the discount coupon (⑦), receive the discount coupon operation fee together with the discount coupon specified amount discount (⑧).

2 is a conceptual diagram of a discount coupon system for issuing merchants using the existing Internet. Participants of the system are largely a web server (discount coupon operator), a merchant (discount coupon issuer), and a consumer. When an individual affiliate requests a web server to issue a discount coupon, the web server registers the discount coupon on its website. After that, the consumer visits the website, searches for the discount coupon needed by the user (①), prints it out on the printer (②), and presents the discount coupon when purchasing the product at the merchant (③) to receive the discount benefits and purchase the product (④). . The web server receives a discount coupon issuance fee from the merchant (⑤).

3 is a flowchart illustrating a process of acquiring a discount coupon using the Internet. In step 310, when the consumer visits the discount coupon operator website and selects a discount coupon of his or her desired discount coupon among various discount coupons in step 320, the discount coupon is output on the screen in step 330. In step 340, when the 'print' command of the web browser or the 'print' icon of the screen is clicked, in step 350, a discount coupon in the form of paper is output to the printer connected to the consumer terminal. In this case, the discount coupon issued by the manufacturer may include a product name, a predetermined discount amount, a discount period, and a barcode of the corresponding product. The discount coupon issued by the merchant usually prints the name of the merchant, a fixed discount rate or free items, and a discount period.

4 is a flowchart illustrating a process of using an existing manufacturer-issued discount coupon. After the consumer purchases the merchandise at a retail store equipped with a POS system where discount coupons are available, in step 410, if the customer presents a discount coupon for the product, the retailer uses the barcode reader to read the barcode on the discount coupon. Read it. In step 430, the discount coupon product information read from the barcode is matched with the discount amount information of the corresponding product input in advance in the POS system to search / output a predetermined discount amount provided through the discount coupon. In step 440, the consumer pays the amount deducted from the total purchase amount.

5 is a conceptual diagram of an integrated point earning system using a credit card with integrated point accumulation function. Participants of the system are largely integrated point operators, credit card companies, merchants (point providers), consumers. When a consumer joins as a member of a credit card company with integrated point accumulation function (①), the credit card company issues a credit card to the consumer (②). After that, present the relevant credit card when purchasing the merchandise at the integrated point merchant (③), and the merchant sends the purchase information of the credit card holder to the credit card provider using a credit card payment terminal and the VAN network to request credit card approval. (④) After confirming the credit status of the consumer, the credit card company grants the credit card payment approval (⑤), and the merchant provides the goods to the consumer (⑥). On the other hand, the credit card company sends the consumer's purchase information to the integrated point operator (⑦), and the integrated point operator purchases by applying the point accumulation rate of a predetermined rate registered in advance for each merchant based on the transferred consumer's purchase information. Calculate the integration point according to the amount and notify the credit card company (⑧), and save the integration point to individual consumers by storing them in the individual integrated point management DB (⑨). On the other hand, if the merchant submits the credit card slip to the credit card company (⑩), the credit card company pays the merchant fee after deducting the credit card payment fee, the integrated point accumulated amount, and the integrated point management agency fee from the credit card payment price. (Iii), the integrated point accumulated amount and the integrated point management agency fee collected from the merchant shall be paid to the integrated point operator (iii). Thereafter, the credit card company charges the credit card payment amount to the consumer (⑬), and the consumer completes the payment by paying the amount (⑭).

Figure 6 is a flow chart of the process of earning integration points using a credit card containing the existing integration point earning function. In step 600, when a consumer applies for payment using a credit card after purchasing goods at a merchant, in step 610, the merchant inputs a credit card and a payment request amount at a credit card payment terminal, and in step 620 Credit card information, merchant information and payment request amount information are transmitted to the credit card company through the VAN network. In step 630, the credit card company searches the credit card information of the card holder to determine whether the payment is approved, and in step 640, if the payment is approved by determining whether to approve, in step 641, the integration point Sending the purchase information to the operator in step (642), the integrated point operator calculates the integrated point accumulated amount according to a predetermined predetermined earning ratio for each affiliated store in step (643), and calculates the points calculated by the individual point credit DB Store in point issuing DB for each merchant. The credit card provider then sends a payment authorization message to the credit card payment terminal in step 644 and outputs the card slip in step 660. On the other hand, if the credit card payment is not authorized in step 640, in step 650, the credit card provider sends a disapproval message to the credit card payment terminal of the merchant.

7 is a conceptual diagram of a maker issuance differential discount system according to the present invention. Participants of the system are web servers (different discount coupon operators), credit card companies, manufacturers (different discount coupon issuers), franchisees and consumers. A consumer who wants to use a differential discount coupon first visits the website, enters his real name and credit card number, and registers as a member (①), then searches for the discount discount coupon that he / she needs and outputs it to a printer or stores it on a wireless Internet terminal ( ②). After that, when the merchant presents the credit card and the corresponding discount coupon at the merchant where the credit card payment terminal is installed (③), the merchant sends the differential discount coupon identification code number to the credit card company (④) when requesting the credit card approval. The credit card company retrieves the credit card holder's credit information and sends the consumer's application for using the differential discount coupon to the differential discount coupon operator when the payment is approved (⑤). The differential discount coupon operator searches the member's past purchase information DB, calculates the discount amount of the differential discount coupon, and sends it to the credit card provider (⑥). The discount amount, and the discount amount after the discount coupon, and the discount amount information are transmitted to the credit card payment terminal of the merchant so that it can be printed on the card slip (⑦). As a result, the consumer receives the product (⑧). After that, the merchant submits the credit card slip and the differential discount coupon to the credit card company (⑨) and receives the credit card payment amount (the amount after deduction of the payment fee) and the discount amount through the differential discount coupon (⑩). The credit card company presents the discounted amount through the differential discount coupon paid to the merchant to the differential discount coupon operator (⑪) to receive the discount amount (⑫), and the differential discount coupon operator gives the differential discount coupon to the maker who is the issuer of the differential discount coupon. (⑬) and receive the discount amount and the differential discount coupon operation fee accordingly. The credit card company then charges the consumer for the credit card payment (결제), and the consumer completes the payment by paying the amount (16).

8 is a conceptual diagram of a merchant discount coupon system according to the present invention. Participants of the system are web servers (different discount coupon operators), credit card companies, merchants (different discount coupon issuers), and consumers. The consumer visits the website of the discount discount coupon and registers as a member (①), searches for the discount coupon issued by the merchant and prints it out on the printer or stores it on the wireless Internet terminal (②). After that, if the merchant presents the credit card and the discount coupon after purchasing the goods (③), the merchant sends the differential discount coupon use identification information with the credit card authorization request (④), and the credit card provider makes a differential discount after payment approval. Send the application for the use of the discount coupon to the coupon operator (⑤). The discount coupon operator searches the member's past purchase information and calculates the discount rate and the discount amount according to the purchase amount and sends it to the credit card company (⑥). In addition, the payment request amount, the discount amount through the differential discount coupon, and the discount amount information after the discount is transmitted to the credit card payment terminal of the merchant (⑦) and printed on the card slip, and the consumer receives the product / service (⑧). Subsequently, when the credit card company submits the credit card slip to the merchant (⑨), the credit card payment amount is deducted from the payment fee and the differential discount coupon operation fee (⑩), and the operation fee is paid to the differential discount coupon operator. (Iii). Thereafter, the credit card company charges the credit card payment amount to the consumer (⑫), and the consumer completes the payment by paying the amount (⑬).

9 is a block diagram illustrating in more detail the participants and their relationships in the commodity trading using the system according to the present invention. The consumer 900 accesses the webpage 911 operated by the differential discount coupon / differential point earning system operator 910 through a wired / wireless web browser 901 that can access the Internet, and then registers as a member. The ID and password 902 are registered, the desired differential discount coupon or the differential point coupon is searched (1), and the output is obtained in the form of a paper coupon 903 or a wireless Internet terminal coupon 904 (2). When registering, you must enter the credit / prepaid card number you wish to use for future payments. A consumer 900 having a differential discount coupon or a differential point coupon visits an affiliated store 930 and purchases a product, and then presents the differential discount coupon or differential point coupon at the time of payment using a credit / prepaid card (③). The merchant 930 enters a payment request amount using a credit card payment terminal 931, and additionally enters a differential discount coupon or a differential point coupon use identification code and a corresponding code number of a credit / prepaid card provider (920). ) Request payment approval (④). The credit / prepaid card company 920 approves the payment request amount, and when the differential discount coupon or the differential point coupon code is entered at the affiliate store 930, the discount coupon / differential point is differentiated between the information, the card number, and the payment amount. Transfer to the earning system operator 910 (⑤). The differential discount coupon / differential point earning system operator 910, which receives the code number and the credit / prepaid card number of the differential discount coupon or the differential point coupon from the credit / prepaid card company 920, receives the card holder through the credit / prepaid card number. Find out. When a differential discount coupon is used, the differential discount coupon / differential point accumulation system operator 910 examines the past purchase information DB 914 and the differential discount DB DB91910 for each individual credit / prepaid card holder to determine a discount / discount amount. Calculate and transmit to the credit / prepaid card company 920 how much the amount is discounted from the payment request amount (⑥). The credit / prepaid card company 920 transmits a payment request amount, a discount amount, and a payment amount after a discount to the credit card settlement terminal 931 of the affiliate store 930 and outputs it to the card slip (⑦, ⑧).

When the differential point coupon is used, the differential discount coupon / differential point accumulation system operator 910 calculates the points accumulated by investigating the individual's past purchase information DB 914 and the differential point DB 918 for each person, and points for each individual point. After recording in the earning DB (919), and transfers the amount of points earned credit / prepaid card (920) (⑥). The credit / prepaid card company 920 transmits the payment amount and the point accumulation amount to the credit card settlement terminal 931 of the affiliate store 930 and outputs it to the card slip (⑦, ⑧).

On the other hand, if the consumer 900 wants to pay using the points earned when purchasing the product, the merchant 930 enters the credit card payment terminal 931 with the payment request amount and the identification code indicating the point payment use to the credit / prepaid card company ( 920, and this information is transmitted to the differential discount coupon / differential point accumulation system operator 910. The differential discount coupon / differential point earning system operator (910) finds the cardholder through the credit / prepaid card number, and then checks the individual point earning DB (919) of the cardholder for the point payment amount that can be paid by the accumulated points. Calculate and send this amount to credit / prepaid card vendor 920. The credit / prepaid card company 920 approves the amount of credit card payment required except the point payment amount from the payment application amount, and pays the payment amount and point payment to the credit card payment terminal 931 of the merchant 930. Transfer the amount and credit card payment amount and print it out on the card slip.

In the present invention, the consumer unit 900 is a web browser 901 for accessing the web server 910, a paper coupon 903 in the form of a paper, a wireless Internet terminal coupon 904 stored in a wireless Internet terminal Includes, the consumer is registered as a member in the web server 910 refers to a person having an ID and password (902).

The web server 910 issues a differential discount coupon or a differential point coupon in the form of a paper coupon 903 or a wireless Internet terminal coupon 904, and discounts or points using a differential discount coupon at the time of payment using a credit / prepaid card. It calculates the point payment amount that can be paid using the accumulated amount or points previously accumulated and serves to inform the credit / prepaid card company 920. The web server 910 is a personal information related information DB (913) for storing personal information (including credit / prepaid card number to be used for payment) input by the consumer 900, the individual past recorded the past purchase information for each individual Purchasing information DB (914), the merchant number and the merchant name of the merchant where the credit / prepaid card is used, the merchant DB (915), the differential discount coupon or the differential point coupon that recorded the details of payment points earned at the merchant Different discount coupon / differential point coupon issuer DB (916) that remembers information such as how the coupon was actually used by each company, code discounts for each differential discount coupon, issuer name, differential discount rate or differential discount according to purchase performance in the past period Different discount coupon DB (917) that stores the method of calculating the amount of money, the differential rate of points earned according to the code number, issuer name, and purchase performance in the past for each differential point coupon (B) a differential point coupon DB (918) stored in the differential fund calculation method and the like, and an individual point accumulation DB (919) for recording points accumulated for each individual consumer, and the consumer 900 is a differential discount coupon or differential A web page 911 for searching and viewing point coupons and a server program 912 for driving them are embedded.

The affiliate store 930 may communicate with the credit / prepaid card company 920 by additionally inputting the use amount identification code and code number of the differential discount coupon or the differential point coupon as well as the payment application amount, and the point payment use identification code. An off-line company having a credit card payment terminal 931, or an electronic commerce company having an online payment access network 932 that can communicate with the Internet via a credit / prepaid card company 920.

The credit / prepaid card company 920 may apply the differential discount coupon / differential point accumulation function credit / prepaid card member DB 921 issued through a contract with the differential discount coupon / differential point accumulation system operator 910 to the differential point accumulation system. As a company with a affiliated merchant DB (922), the payment application amount, card number, point payment use identification code, differential discount coupon or differential point coupon use identification code from the credit card payment terminal 931 of the merchant 930 And a code number, etc., to deliver the information to the differential discount coupon / differential point accumulation system operator 910 and receive a discount amount, a point accumulation amount, and a payment amount using points, and a payment request amount, a discount amount / point accumulation amount. The point payment amount and the final payment amount are sent to the credit card settlement terminal 931.

10 is a flowchart illustrating a process of obtaining a differential discount coupon and a differential point coupon according to the present invention. In step 1000, when a consumer visits a web server operating a differential discount coupon / differential point earning system according to the present invention using a web browser, in step 1010, if a member is checked and checked for membership, step 1020 In step 2), the user enters an ID and password to log in. Otherwise, in step 1011, the registration step is performed. In step 1030, the consumer who accesses the web server searches for and selects the desired differential discount coupon or differential point coupon. In step 1040, the web server selects the individual past purchase information DB and the differential discount coupon DB or the differential point coupon DB. After determining the discount rate / discount amount of the differential discount coupon selected by the consumer or the point accumulation amount of the differential point coupon, in step 1050, the corresponding coupon information is output on the screen. In the differential discount coupon, a code number (in the case of a differential discount coupon issued by a maker, a barcode form may be used instead of a code number), the issuer's name, and a discount rate according to the past purchase performance by an individual (a merchant's differential discount coupon) or a discount amount (a maker's differential) Discount coupons), coupon expiration date and the like can be output. In the Differential Point Coupon, the code number (in case of the Differential Point Coupon issued by the maker can be indicated in the form of a barcode instead of the code number), the issuer's name, the point accumulation rate according to the past purchase performance by the individual (Different Point Coupon issued by the merchant) or the amount of accumulation Issued differential point coupons), coupon expiration date and the like can be output. In step 1060, the consumer determines whether to output the coupon in the form of paper coupons and wireless Internet terminal coupons, and in step 1070, one of the 'yes' and 'no' icon in the 'wireless Internet terminal coupon transmission' Click. In this case, in step 1080, if the user selects the paper coupon by clicking 'No', the consumer directly outputs the printer using the printer, and in step 1071, if the user selects the wireless Internet terminal coupon by clicking 'Yes', the consumer in advance The coupon information is transmitted to the registered wireless Internet terminal, and in step 1072, the wireless Internet terminal coupon is stored in the wireless Internet terminal. In step 1090 after retrieving / receiving one differential discount coupon, if the consumer continues to search for another differential discount coupon, go to step 1030, otherwise terminate.

11 is a flowchart illustrating a process of using a differential discount coupon in an offline affiliated store according to the present invention. In step 1100, when the consumer presents and shows a paper coupon or a wireless Internet terminal coupon with an intention to use the differential discount coupon at the time of payment at the offline merchant, in step 1110, at the merchant, the differential discount coupon is in the merchant. After checking whether it is possible to use in step (1120), the credit card payment terminal coupon use identification code (for example, # mark) and the type of differential discount coupon that you want to use (for example, discount discount coupon issued by the merchant) Is 0, the maker is issued a discount coupon number 1) and enter the code number of the individual coupon, and in step 1130, enter the payment application amount in the credit card payment terminal. Coupon related information can be entered in the following order: ① Coupon identification code, ② Different discount coupon type classification number, ③ Classification identification code, ④ Different discount coupon code number, ⑤ Coupon usage identification code, ⑥ Payment application amount. have. At this time, if you want to use different types of coupons issued by the manufacturer, you can enter multiple identification codes (for example, * marks) to distinguish the code number input between each coupon code number. In the case of a manufacturer product, when the same product is purchased in plural, the same differential discount code number may be repeatedly inputted to enable processing. On the other hand, if you use only the discount coupons issued by merchants, the coupon-related information input order is ① coupon use identification code (#), ② merchant discount coupon discount number (0), ③ coupon use identification code (#), ④ payment application It may be in the order of amount. In addition, when using a discount coupon issued by a manufacturer and a discount coupon issued by a merchant at the same time, first, enter a merchant discount coupon, a classification discount code (0), a classification identification code (*), and a maker discount coupon (1). After inputting again, a distinction identification code (*) may be implemented by inputting a code number of an individual discount coupon issued by an individual merchant. For example, using the above method, a consumer pays a total of 38,000 won at the supermarket with a credit card, and a discount coupon code number 108 is 1, 213 powdered milk is 2, and 547 is a waste paper package 1 If a manufacturer-issued discount coupon is presented for each purchase, the contents entered in the credit card payment terminal are # 1 * 108 * 213 * 213 * 547 # 38000. In this case, if a consumer offers a differential discount coupon at a supermarket purchased by the consumer and also presents a differential discount coupon issued by an affiliated store with a manufacturer-issued differential discount coupon, the information entered in the credit card payment terminal is # 0 * 1 * 108. * 213 * 213 * 547 # 38000 On the other hand, if the barcode reader is connected to the credit card payment terminal installed in the offline merchant in step 1130, instead of manually inputting the individual discount coupon code number, the barcode of the corresponding discount coupon is read with a barcode reader. An input method can be used. In addition, when the credit card payment terminal installed in the offline merchant is connected to the POS system in step 1130, the barcode information read from the product packaging material is read at the time of purchase information instead of manually inputting the individual differential discount code number. Among the products purchased by consumers, only the product information for which a differential discount coupon is issued is separately collected and automatically entered and sent when a credit card payment approval request is made. The information entered in this way is transmitted to the credit / prepaid card company through the VAN network in step 1140. In step 1150, the credit / prepaid card company checks the credit status or balance of the card holder and applies it to the payment amount. The process of determining whether or not to approve the approval is determined in step 1160. If it is impossible to approve, in step 1170, a non-payment message is sent to the merchant's credit card payment terminal, and in step 1180, it is output to the card slip. If the approval is possible, in step 1161, the differential discount coupon code number, credit / prepaid card number, merchant number, payment request amount is transmitted to the differential discount coupon operator. In step 1162, the differential discount coupon operator searches the credit / prepaid card number in the personal identification information DB to identify the cardholder, and searches the merchant DB to identify the merchant of the merchant number received from the credit / prepaid card provider. Search for the discount coupon / differential point coupon issuer database, identify the issue maker / merchant of the differential discount coupon indicated by the differential discount coupon code number (or barcode information) entered at the merchant, and search the past purchase information DB by individual Issuing Differential Discount Coupons that Cardholders Want to Use After finding out past purchase information about the maker / merchant's products, search the differential discount DB to find the discount amount or discount rate calculation method that can be applied according to the cardholder's purchase performance. Calculate the discount amount. In step 1163, after updating the purchase status of the corresponding maker / merchant in the individual past purchase information DB and the use status of the differential discount coupon in the differential discount issuer DB, in step 1164, the total discount amount information is credited / Send to prepaid card company. In step 1165, the credit / prepaid card company calculates the final settlement amount by deducting the total discount amount received from the differential discount coupon operator from the settlement application amount entered at the merchant, and then the settlement application amount, discount amount, and discount. The payment amount information is transmitted to the credit card payment terminal of the affiliated store so as to be output to the card slip in step 1180.

12 is a flowchart illustrating a process of using a differential discount coupon according to the present invention in an electronic commerce. In step 1200, when the consumer checks the item in the shopping cart and clicks the 'buy' icon, in step 1210, the availability of the differential discount coupon of each purchase item and the e-commerce site and the corresponding discount The code number of the coupon is displayed on the screen. In step 1220, click the 'Use Different Discount Coupons' icon displayed on the screen for each individual purchase item, and in step 1230, apply for credit / prepaid card payment and enter the card number or password to perform the payment process. In step 1240, the card information, payment amount, and coupon use information are transmitted to the credit / prepaid card company through the VAN network. In step 1250, the credit / prepaid card company examines the credit card holder or the balance of the card holder to approve the payment, and if it is impossible to approve according to the approval in step 1260, the step ( In operation 1270, the payment non-payment message is transmitted to the e-commerce site which is the affiliate store, and in operation 1280, the non-payment message is output on the screen. On the other hand, if the approval is possible, in step 1261, the differential discount coupon operator transmits related information such as a differential discount code number, credit / prepaid card number, e-commerce merchant number, payment request amount, and the like. In step 1262, the differential discount coupon operator searches for the purchase result related to the differential discount coupon issuing maker / merchant of the card holder identified through the credit / prepaid card number, and then finds it through a personal coupon, and then provides the discount coupon. Calculate the amount of discount that can be made. Then, in step 1263, the individual past purchase information DB and the differential discount issuer DB are updated. In step 1264, the total discount amount information is transmitted to the credit / prepaid card company. In step 1265, the credit / prepaid card company calculates the final payment amount after deducting the discount amount from the payment application amount, and together with the payment approval message, provides the payment application amount, the discount amount, and the payment amount information after the discount. It is sent to the site, and in step 1280, it is output to the e-commerce site screen.

13 is a conceptual diagram of a maker-issued differential point coupon system according to the present invention. Participants of the system are web server (different point coupon operator), credit card provider, maker (different point coupon issuer), affiliated store and consumer. A consumer who wants to use a differential point coupon first visits the website, enters his real name and credit card number, registers as a member (①), searches for the differential point coupon he needs and prints it out on a printer or stores it on a wireless Internet terminal ( ②). If the credit card payment terminal presents the credit card and the corresponding point coupon when purchasing goods (③), the merchant sends the differential point coupon identification code number together with the credit card provider when requesting credit card approval (④). The credit card company searches the credit card holder's credit information and sends the consumer's application for using the differential point coupon to the differential point coupon operator when the payment is not approved (⑤). The differential point coupon operator searches the member's past purchase information DB, calculates the point accumulation amount of the differential point coupon and sends it to the credit card company (⑥), and the credit card provider who received the point accumulation amount information pays with credit card approval The amount and point accumulation information is transmitted to the merchant's credit card payment terminal so that it can be printed on the card slip (⑦). In addition, the consumer is provided with the product (⑧) and the differential point coupon operator accumulates the consumer's integrated point (⑨). After that, the merchant submits the credit card slip to the credit card company (를), deducts the credit card payment fee, and receives the credit card payment amount (⑪) .The differential discount coupon operator uses the differential point coupon to the maker who is the issuer of the differential discount coupon. Provide the details (⑫) and receive the points accumulated amount and integrated point management agency fee accordingly (⑬). Thereafter, the credit card company charges the credit card payment amount to the consumer (⑭), and the consumer completes the payment by paying the amount (⑮).

14 is a conceptual diagram of a merchant providing differential point earning system according to the present invention. Participants of the system are web servers (differential point earning system operators), credit card companies, merchants (different point providers), and consumers. The consumer visits the differential point earning system website and registers for membership (①) to search for affiliated stores and differential point related information participating in the differential point earning system (②). After the consumer purchases the goods at the Differential Point Credit System Merchant (③) and the credit card payment application is made (④), the Credit Card Provider shall notify the Different Point Coupon Operator after payment approval if the purchase is made at the Differential Point Credit System Merchant. Transmit purchase related information (⑤). The differential point coupon operator searches the member's past purchase information of the merchant and calculates the point accumulation amount according to the differential point accumulation rate and the purchase amount and sends it to the credit card company (⑥). Along with the approval, the payment amount and the point accumulation amount information are transmitted to the merchant's credit card payment terminal for printing on the card slip (⑦). In addition, the consumer is provided with the product / service (⑧), and the differential point accumulation system operator accumulates the consumer's integration point (⑨). Subsequently, when the credit card company submits the credit card slip from the merchant (⑩) after paying the credit card settlement fee, the point credit amount, and the differential point management agency fee after deducting the credit card payment amount (⑪), the differential point coupon The operator shall pay the points accumulated amount and the differential point management agency fee (iii). Thereafter, the credit card company charges the credit card payment amount to the consumer (⑬), and the consumer completes the payment by paying the amount (⑭).

15 is a flowchart illustrating a process of using a maker-issued differential point coupon in an offline affiliated store according to the present invention. In step 1500, when the consumer presents and shows a paper coupon or a wireless Internet terminal coupon with the intention to use the differential point coupon when paying for the purchase at the offline merchant, the merchant in step 1510, the differential issuing the maker. After checking whether the point coupon can be used in the merchant, in step 1520, the credit card payment terminal uses the coupon use identification code (for example #) and the maker issued differential point coupon classification number (for example, 8) and Enter the code number of the individual coupon and in step 1530, enter the payment amount. Coupon related information can be entered in the following order: ① coupon use identification code, ② maker's differential point coupon classification number, ③ classification identification code, ④ differential point coupon code number, ⑤ coupon use identification code, ⑥ settlement amount. At this time, if you want to use different types of coupons issued by the maker, multiple inputs are possible by entering a classification identification code (for example, a * mark) that distinguishes the code number input between each coupon code number. In the case of purchasing the same product in plural, the same differential point coupon code number can be repeatedly inputted. A consumer pays a total of 38,000 won at the supermarket with a credit card, and the difference points are issued for the purchase of one shampoo with code number 608, two powdered milk with 713, and one tissue package with 947. When the coupon is presented, the contents entered into the credit card payment terminal are # 8 * 608 * 713 * 713 * 947 # 38000. On the other hand, if the barcode reader is connected to the credit card payment terminal installed in the offline merchant at step 1530, instead of directly inputting the individual code number of the differential point coupon issued by the maker, the barcode of the corresponding differential point coupon is read. Can be used to read and input. In addition, when the credit card payment terminal installed in the offline merchant is connected to the POS system in step 1530, the barcode information read from the product packaging material is input when purchasing information is entered instead of manually inputting individual differential point coupon code numbers. It is possible to use the method of automatically inputting and sending out only the product information for which the differential point coupon is issued among the purchased products of the consumer and collecting the credit card payment approval request. The information entered in this way is transmitted to the credit / prepaid card company through the VAN network in step 1540. In step 1550, the credit / prepaid card company checks the credit status or balance of the cardholder and adds it to the payment amount. The application is reviewed for approval and in step 1560, the approval is determined. If the authorization is not possible, in step 1570, a non-payment message is sent to the merchant's credit card payment terminal, and in step 1580, it is output to the card slip. If the approval is possible, in step 1561, the differential point coupon code number, credit / prepaid card number, merchant number, payment request amount to the differential point coupon operator. In step 1562, the differential point coupon operator searches the credit / prepaid card number in the personal information-related information DB to identify the cardholder, and searches the merchant DB to identify the merchant of the merchant number received from the credit / prepaid card company. Search the discount discount coupon / differential point coupon issuer DB to identify the issue maker of the differential point coupon indicated by the differential point coupon code number (or barcode information) entered at the affiliate store, and search the individual past purchase information DB by cardholder Issue a Differential Point Coupon to be Used After finding out the past purchase information for the corresponding maker product, search the Differential Point Coupon DB to find the point accumulation method that can be applied according to the cardholder's purchase performance. In step 1563, after updating the purchase status of the corresponding maker product in the individual past purchase information DB, the point accumulation DB for each individual, the use status of the differential point coupon in the differential discount coupon / differential point coupon issuer DB (1564) ), The calculated point accumulation amount information is transmitted to the credit / prepaid card company. In step 1565, the credit / prepaid card company transmits the approved payment amount and the point accumulation amount information received from the differential point coupon operator to the merchant's credit card payment terminal and outputs the card slip to the card slip in step 1580. To be.

16 is a flowchart illustrating a process of using a maker-issued differential point coupon in an e-commerce affiliated store according to the present invention. In step 1600, when the consumer checks the item in the shopping cart and clicks the 'buy' icon, in step 1610, the availability of each differential point coupon for each purchase item and the code number of the corresponding differential point coupon Is displayed on the screen. In step 1620, click the 'Use Different Point Coupons' icon displayed on the screen for each purchase item, and in step 1630, apply for credit / prepaid card payment and enter a card number or password to complete the payment process. In step 1640, the card information, payment amount, and coupon use information are transmitted to the credit / prepaid card company through the VAN network. In step 1650, the credit / prepaid card company examines the credit card status or the balance of the card holder to approve the payment, and in step 1660, the credit card is determined. If it is impossible to approve, in step 1670, the non-payment message is transmitted to the e-commerce site which is the affiliate store, and in 1680, the non-payment message is output on the screen. On the other hand, if the approval is possible, in step 1661, the differential point coupon operator transmits relevant information such as a maker issued differential point coupon code number, credit / prepaid card number, e-commerce merchant number, payment request amount, and the like. In step 1662, the differential point coupon operator retrieves the purchase results related to the differential point coupon issuer / merchant of the cardholder identified through the credit / prepaid card number, and then provides the result through the point coupon. Calculate the amount of points accumulated. In step 1663, the individual past purchase information DB, the individual point accumulation history DB, the differential point coupon issuer DB are updated, and in step 1664, the point accumulation amount information is transmitted to the credit / prepaid card company. In step 1665, the credit / prepaid card company transmits the payment request amount and the point accumulation amount to the e-commerce site of the affiliated store together with the payment approval message and the payment request amount, the discount amount, and the payment amount information after the discount. In the e-commerce site screen.

FIG. 17 is a flowchart illustrating a process in which points are differentially accumulated for each individual by using a credit card having a differential point accumulation function in an online / offline affiliate store that is subscribed to a differential point accumulation system according to the present invention. In step 1700, when the consumer purchases the goods at the online / offline member store, the consumer applies for a payment using a credit card including a differential point accumulation function through a contract between the differential point accumulation system operator and a credit / prepaid card company in step 1710. In step 1720, if a payment amount is input to an offline merchant's credit card payment terminal or an online merchant's online payment access network, the input information is transmitted to the credit / prepaid card provider through the VAN network in step 1720. In step 1730, the credit / prepaid card company examines the credit card holder or the balance of the card holder to approve the payment amount, and in step 1740, the credit card is determined. If the authorization is not possible, in step 1750, the non-payment message is transmitted to the merchant's credit card payment terminal or online payment access network, and in step 1780, the card payment or the online merchant website is output. If the approval is possible, in step 1741, the credit / prepaid card company searches the differential point accumulation function card member DB and the differential point accumulation system subscription merchant DB to determine if the corresponding purchase information is applied to the differential point accumulation system. In step 1760, it is determined whether the application. If not applicable to the differential point earning system, at step 1770, the general credit card payment authorization message is sent to the merchant's credit card payment terminal or to the online payment access network, and at step 1780, the card slip or online merchant website. To be output to When the differential point accumulation system is applied, in step 1701, the credit point prepaid card number, the merchant number, and the payment request amount are transmitted to the differential point accumulation system operator. In step 1762, the differential point accumulation system operator searches for a credit / prepaid card number in the personal identification information DB to identify a cardholder, and searches a merchant DB to identify a merchant of a merchant number received from a credit / prepaid card company. On the other hand, by searching the past purchase information DB by individual to find out the past purchase information from the cardholder's relevant affiliate stores, search the differential point coupon DB to look up the points earning method that can be applied according to the cardholder's purchase performance points Calculate the amount. In step 1763, after updating the point offering information of the affiliated store in the member's past purchase information DB at the affiliated store, individual point accumulation DB, differential discount coupon / different point coupon issuer DB, and then (1764) At, transmit the calculated point reserve amount information to the credit / prepaid card company. In step 1765, the credit / prepaid card company sends the approved payment amount and the point accumulation amount information received from the differential point accumulation system operator to the merchant's credit card payment terminal or the online payment access network, in step 1780. To be printed on a card slip or online merchant web site.

18 is a flowchart illustrating a process in which a consumer pays using points earned for each individual after purchasing an item in an online / offline affiliate store according to the present invention. In step 1800, when the consumer indicates the intention to pay using the points earned after purchasing the goods at the merchant, the merchant at 1810, the coupon use identification code (for example #) and credit points in the credit card payment terminal Enter the payment usage classification number (e.g. 9) and the payment amount, and this information is transmitted in step 1820 to the credit / prepaid card company using the VAN network. On the other hand, in the online merchant, steps 1800 and 1810 are replaced by a process of inputting a credit / prepaid card payment and entering a card number or password after clicking the 'use credit point payment' icon displayed on the screen. Can be. When the credit / prepaid card company receives the credit points payment use code together in the payment approval request, in step 1830, the credit / prepaid card company immediately transmits the relevant purchase information such as the card number, payment request amount, and merchant number to the differential point accumulation system operator. . In operation 1840, the differential point accumulation system operator finds out the cardholder through the card number, searches the individual point accumulation history DB, calculates the amount to be paid using the points, and in step 1850, the individual purchase information DB After updating the individual point accumulation DB, the merchant DB, in step 1860, the payment amount is transferred to the credit / prepaid card company using the points. In step 1870, the credit / prepaid card company calculates the final payment amount after deducting the point payment amount from the payment application amount sent from the merchant, and then, in step 1870, the credit card payment approval is checked. Determine whether to approve. If authorization is not possible, in step 1188, a non-payment message is sent to the merchant's credit card payment terminal or online payment access network, and in step 1890, output to the card slip or online merchant web site. If the approval is possible, in step 1188, the payment request amount, point payment amount, and credit card payment amount information are transmitted to the merchant's credit card payment terminal or online payment access network, and in step 1890, the card slip or online merchant web Have the output printed on the site.

As described above, the present invention provides a higher discount / point accumulation opportunity to regular customers who have high sales contributions by using the purchase information DB, away from the marketing method that previously treated all consumers the same. By doing so, the loyalty of the regular customer is improved, and the frequency of purchase of them is increased, which can achieve more effective sales expansion.

In addition, while discount coupons issued by makers were used only in offline stores with POS systems, coupon codes can be used in offline stores without POS systems by entering the relevant code information in the credit card payment terminal. The distribution area can be greatly improved.

In addition, as a consumer, the benefit of a substantial income improvement can be obtained by being provided with a higher discount or points earning benefits at the maker / merchant which he or she purchases mainly.

Claims (12)

In the method of using a personalized discount coupon using the Internet and a credit card payment system, Receiving information including card information, payment amount, differential discount coupon-related information, merchant number and payment amount; Identifying the cardholder by retrieving the card information from the personal information related DB; Identifying an affiliate store of the affiliate store number received by searching for the affiliate store number in the affiliate store DB; Retrieving the differential discount coupon related information from the differential discount coupon / different point coupon issuer DB and identifying the issue maker or affiliate store of the differential discount coupon indicated by the related information input; Reading the past purchase information DB for each individual and reading the past purchase information for the corresponding product to be used by the cardholder; Calculating the discounted amount by searching the differential discount coupon DB and inquiring the purchase performance and discount rate calculation method of the cardholder; Updating the purchase history of the manufacturer / merchant in the individual past purchase information DB and the use of the differential discount coupon in the differential discount coupon issuer DB, Method for using the individual discount coupons using the Internet and credit card payment system, characterized in that it comprises the step of transmitting the total discount amount information. The Internet and credit card payment system of claim 1, wherein the information including card information, payment amount, differential discount coupon-related information, merchant number, payment request amount is transmitted through a credit card payment terminal. How to use individual discount coupons. The method of claim 1, wherein the information including card information, payment amount, differential discount coupon-related information, affiliated store number, payment application amount is printed on the differential discount coupon as a bar code, and is transmitted through a barcode reader. How to use individual discount coupon using internet and credit card payment system. The Internet and credit card payment system of claim 1, wherein the information including card information, payment amount, differential discount coupon related information, merchant number, payment request amount is transmitted from a web server of an e-commerce site. How to use individual discount coupons. The Internet according to any one of claims 1 to 4, wherein the differential discount coupon-related information includes a coupon use identification code, a type classification number of a differential discount coupon to be used, and a code number of an individual coupon. How to Use Differential Discount Coupon Using Credit Card and Payment System. In the method of earning the individual differential point coupon using the Internet and credit card payment system, Receiving information including card information, payment amount, differential point coupon related information, merchant number, and payment amount; Identifying the cardholder by retrieving the card information from the personal information related DB; Identifying an affiliate store of the affiliate store number received by searching for the affiliate store number in the affiliate store DB; Retrieving the differential discount coupon related information from the differential discount coupon / different point coupon issuer DB and identifying an issue maker or affiliate store of the differential point coupon indicated by the related information entered; Reading the past purchase information DB for each individual and reading the past purchase information for the corresponding product to be used by the cardholder; Calculating the points accumulated amount by searching the differential point coupon DB to look up the points earning method that can be applied according to the cardholder's purchase performance; Updating the use status of the differential point coupon in the individual maker / merchant purchase records in the individual past purchase information DB and the differential point coupon issuer DB and the individual points earning history DB, Method for accumulating individual point coupons using the Internet and credit card payment system, characterized in that it comprises the step of transmitting the calculated point reserve amount information. 7. The Internet and credit card payment system of claim 6, wherein the information including card information, payment amount, differential point coupon related information, merchant number, payment request amount is transmitted through a credit card payment terminal. How to earn individual point coupons used by individuals. The method of claim 6, wherein the information including card information, payment amount, differential point coupon related information, merchant number, payment request amount is printed on the differential point coupon as a bar code, and is transmitted through a barcode reader. How to earn individual point coupons using the Internet and credit card payment system. 7. The Internet and credit card payment system according to claim 6, wherein the information including card information, payment amount, differential point coupon related information, merchant number, payment request amount is transmitted from a web server of an e-commerce site. How to earn individual point coupons by using. The Internet according to any one of claims 6 to 9, wherein the differential point coupon related information includes a coupon use identification code, a type classification number of a differential point coupon to be used, and a code number of an individual coupon. How to Earn Differential Point Coupons Using Personal Credit Card Payment System. In the system using the individual discount coupon using the Internet and credit card payment system, Means for receiving information including card information, payment amount, differential discount coupon-related information, merchant number, payment request amount; Single means for identifying the card holder by retrieving the card information in the personal information related DB; Means for identifying an affiliate store of the affiliate store number received by searching for the affiliate store number in the affiliate store DB; Means for retrieving the differential discount coupon information from the differential discount coupon / different point coupon issuer DB and identifying the issue maker or affiliate store of the differential discount coupon indicated by the related information input; Means for retrieving the past purchase information DB for each individual and reading the past purchase information for the corresponding product to be used by the cardholder; A means for calculating a discount amount by searching a differential discount coupon DB to look up the purchase performance and discount rate calculation method of the cardholder; Means for updating the manufacturer's / merchant's purchase results in the individual past purchase information DB and the use status of the differential discount coupon in the issuer's DB; And a means for transmitting the total discount amount information, wherein the individual discount coupon use system using the Internet and a credit card payment system. In the differential point coupon earning system for individuals using the Internet and credit card payment system, Means for receiving information including card information, payment amount, differential point coupon related information, merchant number and payment amount; Means for identifying the cardholder by retrieving the card information from the personal information related DB; Means for identifying an affiliate store of the affiliate store number received by searching for the affiliate store number in the affiliate store DB; Means for retrieving the differential discount coupon information from the differential discount coupon / differential point coupon issuer DB and identifying the issue maker or affiliate store of the differential point coupon indicated by the related information entered; Means for retrieving the past purchase information DB for each individual and reading the past purchase information for the corresponding product to be used by the cardholder; Means for calculating the point accumulation amount by searching the differential point coupon DB to look up the point earning method that can be applied according to the cardholder's purchase performance, Means for updating the manufacturer's / merchant's purchase results in the individual past purchase information DB and the use status of the differential point coupon in the issuer DB and the point accumulation DB for each individual; Personalized differential point coupon earning system using the Internet and credit card payment system, characterized in that it comprises a means for transmitting the calculated point reserve amount information.