KR20010085109A - Method and system for adapt PR/credit transaction - Google Patents

Abstract

PURPOSE: A customized advertisement and loan transaction service method and system is provided to send an advertisement, customized according to an age, a sex, an inclination or an earning, to a customer by using a credit card processor or a POS terminal, and to enable a customer to make a loan transaction with a card company by collecting loan conditions from a plurality of card companies and selecting a card company presenting an optimal loan condition. CONSTITUTION: The method comprises a customized advertisement step and a customized loan transaction step. The customized advertisement includes steps of a service company receiving an advertisement offer from advertisers(1), a server classifying the advertisements according to a business field, a location, an advertisement characteristic, a product sort and others, and transmitting the advertisements, categorized in a database, to a target member store over the Internet(2), a credit card checker or a POS terminal receiving and outputting the advertisement via peripherals, e.g. a speaker or a monitor(3), and the server giving an incentive to the member store according to an advertisement exposure frequency. The customized loan transaction includes steps of a customer receiving an integrated card from cooperative card companies, the customer requesting a card settlement to the server via the card checker, the server requesting a loan auction to the card companies, and the server comparing the loan conditions from the card companies and selecting one card company offering a loan condition optimal for the customer.

Description

Customized ad / credit transaction method and system {Method and system for adapt PR / credit transaction}

The present invention relates to a personalized advertising service and credit transaction auction service through a credit card terminal, and more specifically, to add a web function to the credit card terminal or POS terminal installed in the store to provide an advertisement service according to customer preferences, The present invention relates to a customized advertisement / credit transaction method and a system for servicing a credit condition suitable for a customer at the time of card settlement.

Recently, due to the development of communication technology, a method of using a telephone or the Internet as an advertisement medium in addition to leaflets, newspapers, and TV media has already been disclosed in various forms. For example, a mobile phone terminal such as a cellular phone or a PCS phone accesses the advertisement service management side, downloads and stores an advertisement, and after a call is initiated, a silent time or a counterpart signal (answering / busy / missing) is received. There is a way to advertise without saving the call by exporting the ad stored for a certain time until it is received. In addition, a personal computer (PC) has a form of a banner advertisement to display an advertisement screen at a predetermined position on the browser when a desired site is accessed through the Internet.

On the other hand, in recent years, a card (card) that is easy to use and carry rather than cash is used. As a result, the number of credit card merchants has increased, and the types of payments that can be made with credit cards have increased. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, and prepaid cards such as transportation cards. In addition, the types of credit cards and payment conditions vary depending on the card company. For example, different credit card companies have different payment and service conditions, such as fees, points, interest-free installments. Therefore, there is a tendency to treat only the cards with a low handling fee for each merchant, and the customer has several cards in order to use various services and payment conditions. Briefly describing the payment process using a credit card, a customer passes a credit card to a clerk when he or she needs to buy something in a store. The clerk scratches the magnetic part of the card through the card reader of the credit card checker or POS terminal, reads the credit information such as the card number recorded on the part, and asks the payment institution (card issuer) for credit inquiry and payment approval. do. Payment institutions such as banks and credit card companies confirm the credit status from the transferred credit card information and notify the transaction approval. The credit card inquiry terminal or the POS terminal prints a receipt (sales slip) when the transaction is approved, and delivers the goods to the customer after receiving the customer's payment signature on the sales slip.

In particular, the POS (Point Of Sales) terminal reads the barcode of the product label attached to the product by the operator using a barcode reader such as a hand scanner. Based on the identification information of the product included in the read bar code, the value of the product stored in the separate storage device is obtained and accounting calculation is performed. Finally, the accounting information is printed as a receipt. In addition, at this time, the operator inputs information such as the age, gender, and occupation of the customer to grasp the fashion and the like to help the purchase of the product.

On the other hand, in convenience stores and the like, information input terminals for inputting information by customers using a liquid crystal display with a touch panel are also being used to make reservations or orders for goods such as concerts and compact discs. The customer selects a desired product or ticket from the information input terminal and receives a copy printed by the information input terminal. This copy has a barcode printed on it, and the barcode is read by the POS terminal for accounting for goods or tickets.

However, the conventional advertising method as described above has a problem in that the advertising efficiency is lowered because it does not target the individual because it targets an unspecified number. In addition, the conventional card transaction method is not only because the customer has to hold a plurality of cards by different cards to deal with each merchant, but also has a different payment conditions for each card, so it is difficult to efficiently use the card because it is not possible to pay for the customer have.

Accordingly, an object of the present invention is to provide a personalized advertisement using a credit card terminal or POS terminal installed in a store that can obtain information such as age, gender, occupation, disposition, income, etc. of the customer in consideration of the foregoing. The present invention provides a customized advertising method and system for export.

Another object of the present invention is to introduce a credit transaction auction to receive credit card trading conditions for each card company to select the card company that presents the best conditions for customers and member stores to be credited to the trading card company and to make a transaction through the successful card company The present invention provides a method of trading and a system thereof.

1 is a block diagram showing a custom advertising system according to the present invention,

2 is a view for explaining a process of the customized advertising service of Figure 1 system,

3 is a block diagram showing a custom credit transaction system according to the present invention,

4 is a view for explaining a custom credit transaction service process of the system of FIG.

<Description of the symbols for the main parts of the drawings>

10: Advertiser Terminal 20: Service System

21: Server 22: Customer D / B

23: Advertising D / B 24: ID One Card D / B

25: Cyber Card D / B 30: Member Terminal

40: terminal monitor 50A, 50B: affiliated financial companies

60: participating financial companies

In order to achieve the above object, the customized advertisement method of the present invention is a method of advertising by using a credit card terminal or a POS terminal, (1) ordering advertisements to produce advertisements, or connected to the advertiser side advertisements (2) separating the advertisements into member stores, (3) connecting the terminal to transmit the separated advertisements, and (4) the advertisements in the terminal. Receiving and exporting the video and audio output.

The customized advertisement system for achieving the object of the present invention, in the system for advertising using a credit card terminal or POS terminal, the advertiser terminal for listing the advertisements, change the listed advertisements, and orders for advertisements And a service system for pre-stored advertisements or advertisements listed through the advertiser terminal, and selecting and transmitting an appropriate advertisement from among advertisements stored in the connected terminal, and connecting a plurality of monitors to the advertisement system. Connecting a credit card terminal / POS terminal having a web function to display advertisements received from a service system as a picture or a video on a monitor, and between the advertiser terminal and the service system, and between the service system and the credit card terminal / POS terminal. It includes a connecting means for.

In accordance with another aspect of the present invention, there is provided a personalized credit transaction method, comprising: (1) issuing a card to a member; and (2) requesting payment with the issued card, Asking financial institutions for credit auction transactions to receive optimal trading conditions from participating financial companies, and (3) bidding the financial companies that have offered the best trading conditions to service member stores and members. Approving the payment to the financial company, and (4) If the approval is normally made, it includes the step of notifying the successful financial company.

In accordance with another aspect of the present invention, a personalized credit transaction system for a personalized credit transaction auction service is provided by a financial company affiliated with the card issuance, purchase and settlement, or issued by itself or the affiliated financial company. Service system that receives payment request of card, approves the transaction by bidding the financial company that presents the best trading condition among the trading conditions suggested by the financial institutions, and notifies the successful financial company, and credit auction implemented by the service system Participate in the transaction to present the terms and conditions of the transaction, including participating financial companies to purchase and settle the sales price according to the notification of successful bid.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a personalized advertising system according to the present invention. The system shown in FIG. 1 includes a plurality of advertiser terminals 10 for directly listing and changing advertisements online as well as offline, and a service system 20 for receiving advertisements from advertisers to produce or receive advertisements. It is provided. The advertiser terminal 10 and the service system 20 are connected through the Internet. The member terminal 30 is a credit card terminal / POS terminal in all affiliated stores where a credit card inquiry terminal is installed, such as a department store, a restaurant, a beauty salon, a clothing store, a discount store, a convenience store, a service system 20, a wireless network, and the Internet. It has a web function that can be accessed through the advertisement provided. The service system 20 is a customer D / B 22 that constructs and stores information such as customer's preferences, tendencies, regions, and ages provided from each member terminal terminal 30 as a database (DB), and the customer. An advertisement D / B 23 for classifying and storing advertisements based on the information stored in the D / B 22 according to the type of business of the member store, region, age of the main customer, education, advertisement purpose, product, etc .; It is composed of a server 21 that performs the overall operation for the customized advertising service. The system of FIG. 1 also includes a body of member terminal 30 and a monitor 40 that is port-to-portal connected to the body to display advertisements for viewing by a customer. An operation of serving an advertisement for a customer of the system of FIG. 1 having such a configuration will be described in detail with reference to FIG. 2.

The service company receives orders from advertisers (①). In this case, the advertisement may be produced directly by the advertiser or commissioned to be produced by a service company. When the advertiser directly produces the advertisement, the advertiser may directly register the advertisement produced online by accessing the system 20 of the service company through the terminal 10 online. Of course, you can change the advertised listing. The service company receives the advertisement and produces or receives the advertisement. Meanwhile, the service system 20 constructs a client-server environment that can exchange information with member points through the Internet and a wireless network (or a wireless data communication network), and uses the member point serving as a client. It allows the service and program to be operated and managed in general and directly on the server 21. A member store is a place where a credit card terminal or a POS terminal is installed, such as a department store, a discount store, or a restaurant, or a business place.The service system 20 provides information such as the type of business, region, consumer's preference, tendency, and age from the member store. A database is received and stored in the customer D / B 22. The service system 20 also stores advertisements produced or listed by the advertiser based on the information stored in the customer D / B 22 and stored in the advertisement D / B 23 according to their characteristics. In other words, the service system 20 separates the advertisements by member stores (merchants), by industry, by region, by customer hierarchy, by characteristics of advertisements, by products, and by purpose. The server 21 of the service system 20 transmits advertisements stored separately in the advertisement D / B 23 for each target member point through the Internet and the wireless network (②). The credit card terminal / POS terminal 30 of the member store receives the advertisement transmitted from the server 21 and advertises it on its own screen or a peripheral access device. Here, the peripheral connection device spreads the advertisements as pictures, videos, voices, etc. to the advertisement consumer with a plurality of monitors 40 and speakers connected to the member terminal terminal 30 (③). The terminal monitor 40 or speakers connected one to many with respect to the member terminal terminal 30 is installed at an appropriate position where the customers in the store can see well. As such, the present invention can differentiate and transmit advertisements according to the type of business and products of the member store in the advertisement transmission system, and select and transmit appropriate advertisement targets in consideration of preferences and preferences, regions, and ages of the advertisement consumers. For example, by searching for the age and gender of the main members of the member shops, the advertisement content is segmented and delivered by advertising cosmetics for women in their 20s or sports ads for men in their 20s. Then, the service system 20 pays incentives according to the frequency of advertisement exposure to the member store (④).

The advertising technique of the present invention is a communication channel between an advertiser (or a service provider), a member store, an advertisement consumer (customer), and interconnects various events such as promotion activities, event guides, product advertisements, and image advertisements for products and services. Can serve as a venue for communication.

Figure 3 shows the configuration of a custom credit transaction system according to the present invention. The system shown in FIG. 3 is a service system (20) for a credit card company that bids for a financial card company that proposes an optimal condition by auctioning the transaction conditions of the financial card companies in the configuration of a general credit transaction system and makes a credit transaction to the successful financial card company (20). More). The service system 20 stores the member credit information for the card issued by itself or through the affiliated financial institution 50A, and the member ID card D / B 24 for storing the member credit information for each member who issued the affiliated card. 60) is provided with a cyber card D / B (25) for storing information on the card issued on the cyber or issued card. Participating financial company 60 is composed of external institutions such as card companies or banks, other electronic money, gift certificates, installment financing companies, etc. to provide payment conditions for the customer requesting a transaction to the member store for payment processing. An operation of servicing a credit transaction suitable for a customer of the system of FIG. 3 having such a configuration will be described in detail with reference to FIG. 4.

Explaining the customized credit transaction auction service process, a customer who wants to receive this service is issued a card directly from the service system 20 through membership registration or through an affiliate financial company 50A selected by the service system 20 (①. ). At this time, the issued card is a card that can be credited with all financial card companies while having one ID (ID), in the present embodiment is called an ID card for the purpose of distinguishing from a general credit card. The service system 20 may provide the personal information of the member who issued the ID card and the ID card issuing information, that is, the card ID, name, social security number, address, work, educational information, etc. Save it to B (24). The service system 20 also participates in the credit transaction auctions of the financial institutions, and the member information stored in the ID one-card D / B 24 to the participating financial companies 60 (the service company has shown on the member's ID one-card application). Information on members who have obtained the consent of the service). Participating financial companies 60 issue a card suitable for the member based on the credit information provided. At this time, the issued card is not issued directly to the member as a magnetic card, but provides only the card information to the service system 20 side. In this embodiment, this is called a cyber card. The service system 20 stores the information on the cyber card issued from the participating financial companies 60, that is, the card company name, card ID, member name, social security number, etc. in the cyber card D / B 25. Then, in case of purchasing goods and paying the bill, the member customer presents the issued ID card and pays the fee. The service member store scratches the ID card through the card reader, reads card information, and makes a payment request to the service system 20 (②). The service system 20 that receives the payment request reads the corresponding member information from the ID one card D / B 24, and has a cyber card ID for each participating financial company having the member information matched on the cyber card D / B 25. Read The cyber card ID for each participating financial company 60 is read along with the transaction request to the participating financial company 60 to request participation in the credit auction transaction (③). Participating financial firms 60, which have been asked for, suggest optimal conditions. The service system 20 compares the conditions presented by the participating financial companies 60 and selects and bids a service member point and a financial company that presents the most suitable conditions for the member. For example, if a participant financial company (A) presented a franchise fee of 4.0%, a participant financial company (B) of 3.5%, and a participant financial company (C) of 3.0%, the service system 20 participates in the purchaser for card sales. Sold with a financial company (C). In addition, if the member mileage is 3.0% of the transaction amount by the participating financial company (A), 2.0% by the participating financial company (B), and 1.0% by the participating financial company (C), the service system 20 identifies the issuer for card sales. Sold as a participating financial company (A). In other words, the service system 20 allows the merchant to receive a merit of more mileage (gifts), interest-free installment, etc. with a low merchant fee. The service system 20 approves the transaction to the service member store by the successful financial card company (④). The service member store completes the transaction upon approval. If the transaction approval is normally made, the service system 20 notifies the successful bid card company (⑤). Here, the reason for notifying after approval is that an error may occur during the approval process. The service system 20, when payment is normally made, makes a purchase request to the affiliated financial institution 50B (⑥), so that the purchase agent is made through the affiliated financial institution 50B (⑦). Affiliated financial institutions 50A and B perform purchase and billing. Among the participating financial companies (60), the successful financial companies make payments to the service member stores (⑧) and bill the members (⑨). Here, ⑦ through ⑨ are the same as general credit transactions.

As described above, the customized advertisement / credit transaction method and the system of the present invention, by receiving an advertisement from the advertiser to produce an advertisement, and sending the advertisement by the member store type, main customer / age, etc. It has the effect of increasing the advertising efficiency by sending advertisements to the screen of the card inquiry terminal or POS terminal of the point or separate monitor and speaker connected to the port and advertising the customer or member store. In addition, it can be used as a place for providing information to the customer, it is also helpful for product purchase planning. In addition, when the card transaction of the member store receives credit auction transaction requests such as merchant fees and member's mileage or interest-free installment from the financial companies has the effect that the card transaction can be made by approving payment on the best terms to the merchant or member.

Claims (17)

In the method of advertising using a credit card terminal or POS terminal, (1) receiving an advertisement to produce an advertisement or accessing an advertiser and registering an advertisement; (2) separating the advertisements into member stores; (3) accessing the terminal and transmitting the separated advertisement; And (4) receiving the advertisement in the terminal and a customized advertising method comprising the step of exporting the video and audio output. The method of claim 1, wherein the second step is (2a) constructing a database of information including the type of business, region, and age, gender and occupation of the member store; And (2b) Personalized advertising method comprising the steps of analyzing the preferences and preferences of the advertising consumers based on the membership points and customer information built into the database, and accordingly separates the advertisements to build a database. [3] The method of claim 2, wherein the step (2b) separates the advertisement by the type of business and region of the member store, by the customer hierarchy, by the characteristics and products of the advertisement, and by the purpose of the advertisement. [4] The method of claim 3, wherein the step (3) selects the advertisements suitable for the member store where the terminal is installed and the main customer of the member store among the advertisements on the constructed database and transmits the advertisements through the Internet and the wireless network. Customized advertising method characterized by. The method according to claim 1, further comprising the step (5) of providing incentives to member points according to the frequency of exposure of advertisements. In the system for advertising by using a credit card terminal or POS terminal, An advertiser terminal for listing advertisements and changing the listed advertisements; A service system which prestores advertisements produced by receiving an advertisement or advertisements registered through the advertiser terminal, and selects and transmits an appropriate advertisement among advertisements stored in the connected terminal; A credit card terminal / POS terminal having a web function for port-connecting a plurality of monitors and displaying advertisements received from the service system on a monitor as pictures or videos; And And a connecting means for connecting the advertiser terminal and the service system between the service system and the credit card terminal / POS terminal. The method of claim 6, wherein the service system A customer D / B that stores member points and customer information in a database; Advertisement D / B for constructing and storing advertisements registered and produced from advertisers as a database; And And a server that analyzes the customer D / B and the advertisement D / B, selects an appropriate advertisement object in consideration of the taste, the propensity, the region, and the age of the advertisement consumer, and separately transmits the advertisement. The system of claim 7, wherein the service system pays incentives according to the frequency of advertisement exposure of member stores. The system of claim 6, wherein the credit card terminal / POS terminal is connected to a monitor and a speaker port one by one to output pictures, videos, and audio. The system of claim 6, wherein the connection means is an internet and a wireless network. In the method for custom credit transaction auction service, (1) issuing a card to a member; (2) requesting credit auctions from financial institutions when a payment request is made with the issued card and receiving optimal trading conditions from participating financial companies; (3) bidding and approving the financial member who has presented the most suitable transaction condition to the service member point and the member among the presented transaction conditions and approving the settlement to the successful financial institution; And (4) Custom credit transaction method comprising notifying the successful financial company if the approval is successful. 12. The method of claim 11, wherein step (1) (1a) constructing and storing the issued card information in a database; (1b) providing cyber credit companies with member credit information to issue cyber cards for each financial company; And (1c) Personalized credit transaction method comprising the step of constructing and storing the issued cyber card information in a database. The method of claim 12, wherein the (2) step is (2a) searching the database and delivering a cyber card ID for each card company that matches the ID of the requested card to the participating financial company together with the transaction request details; And (2b) Personalized credit transaction method characterized in that it comprises the step of presenting a transaction condition from a participating financial company. 14. The method of claim 13, wherein the trading conditions of step (2b) include merchant fees, mileage, installment conditions, and the like. In the system for custom credit transaction auction service, Financial institutions affiliated to issue cards, buy and settle; A service system that receives payment requests of the affiliated financial institutions and self-issued cards, approves a transaction by winning a financial company that presents an optimal trading condition among the trading conditions presented from the financial companies, and notifies the successful financial company; And Participate in the credit auction transactions enforced by the service system to present the trading conditions, and tailored credit trading system including a participating financial company to purchase and settle the settlement. The method of claim 15, wherein the service system ID one card D / B for constructing and storing the issued card information as a database; And Personalized credit transaction system characterized in that it comprises a cyber card D / B for constructing and storing a cyber card information issued from the participating financial companies in a database. 17. The card system of claim 16, wherein the service system provides credit information of the member who issued the card to the participating financial companies, receives a cyber card for each participating financial company, stores them in the cyber card D / B, and matches the card ID requested for payment. Cyber card IDs by participating financial companies are delivered to the participating financial companies with transaction request details, and the optimal trading conditions are presented from participating financial companies. Customized credit transaction system, characterized in that the card member is approved as a successful bidding company and notified to the successful bidder.