KR20020004891A - System and Method of targeted advertisement in a card-joined store using Internet - Google Patents

Abstract

PURPOSE: A method and system for target advertisement when approving a card user are provided to inquire a credit card through the Internet instead of using a telephone, and save money by using common purchasing information of an administrator system. CONSTITUTION: A credit card member store system(100) receives credit card information of a credit card user through a card reader, outputs a credit card allowance request and authentication result, and provides an advertisement to the credit card user. An administrator system(200) is connected through the Internet for mediating the credit card allowance request and the authentication result of the credit card user, comparing a card number previously stored in a card database with a card number transmitted from a member store, analyzes a residence registration number code of the credit card number, and transmits an appropriate advertisement to the credit card member store system(100). A VAN company credit card inquiry system(300) transmits the credit card allowance request result. A credit card provider system(400) transmits the card number and the residence registration number code to the card database of the administrator system(200). An advertiser(500) provides advertisements.

Description

System and Method of targeted advertisement in a card-joined store using Internet}

The present invention relates to an advertisement method using the Internet, and more particularly, to a target advertisement method and system using the Internet that exposes a specific advertisement through a display device while a credit card user waits for approval of a card use.

In the current credit card payment system, when a credit card member (buyer) presents a credit card (magnetic card, IC card) to a credit card merchant for purchase, the credit card merchant is connected to the PSTN through a card inquiry machine. Network card request authorization to use. The VAN operator analyzes the credit card information sent from the merchant and requests transaction approval to the card company, and the credit card company verifies its membership status and credit limit, and then approves the transaction to the VAN company. Send it. The VAN operator sends the credit card's approval to the merchant's credit card checker, and the merchant prints the received authorization result to the credit card checker and completes the use of the credit card after receiving the signature of the credit card user.

Meanwhile, the credit card user waits about 40 seconds to one minute free of charge until the credit card use approval request and the credit card use approval result are output to the credit card checker.

In addition, in transactions using credit cards, regular credit card merchants and Internet shopping mall operators must pay a certain fee per inquiry if they receive identity verification services through VAN operators. There is a problem that the cost burden and telephone bills increase, resulting in a cost burden to the buyer.

The present invention has been made to solve the above problems, reducing the cost burden of the credit card merchant to look up the magnetic card or IC card, and the age, gender, and use of the user while the credit card user waiting for signature It is to provide a target advertising system that provides a specific advertisement for the region.

Another object of the present invention to provide a target advertising method for providing an advertisement for the user's age, gender, credit card using region using credit card information.

1 is a block diagram showing a target advertising system at the time of payment card merchant merchants according to the present invention.

2 is a conceptual diagram illustrating a business model of a target advertising method according to the present invention.

Figure 3 is a flow chart illustrating a target advertisement method when the card merchant payment of a credit card user according to the present invention.

Explanation of symbols on the main parts of the drawings

100: card merchant system

110a: user display device

110b: display device for merchants owners

120: card reader

200: operator system

300: VAN business card inquiry system

400: credit card provider system

500: Advertiser

In order to achieve the above object, the target advertisement system according to the present invention receives credit card information of a credit card user through a card reader, outputs a credit card use approval request and an approval result, and provides a specific advertisement to the credit card user. It intermediates with the merchant terminal system, the request for approval of the credit card user and the result of the approval, and compares the credit card number pre-stored in the card database with the received credit card number. The operator system that analyzes and sends customized advertisements according to the user's age, gender, and usage area to the terminal system of the credit card merchant, and the credit card inquiry that transmits the credit card use approval result using the credit card information input from the operator system. (VAN provider) system, and card burn It includes a credit card operator system that transmits a call and social security number code to a card database of an operator system.

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

1 illustrates a target advertisement system when a credit card user pays a merchant card according to the present invention.

As shown in FIG. 1, the target advertisement system receives a credit card user's credit card information through a card reader, outputs a credit card use approval request and an approval result, and provides an advertisement to the credit card user. 100), the connection to the Internet and mediate credit card user authorization request and authorization results, and compare the card number stored in the card database (not shown) with the card number received from the credit card merchant to match the credit card number VAN's credit card inquiry system for transmitting the results of the credit card use approval request received from the operator system 200, the operator system 200 to send a personalized advertisement to the credit card merchant system 100 by analyzing the social security number code of the ( 300), transfer the card number and social security number code to the card database of the operator system 200 The transmission is composed of a credit card provider system 400 and an advertiser 500 for providing an advertisement.

Referring to FIG. 2, the embodiment of the present invention will be described. The credit card merchant system 100 is installed at a counter of a store, and is opposite to the display device 110a for a credit card user and the display device 110a. Merchant display device 110b installed in the direction, the card reader 120 composed of a magnetic card reader module and an IC card reader module, and a main body 130 including an advertising database.

Preferably, the display device (110a, 110b) is composed of an LCD monitor.

When a credit card user requests the use of a credit card through the card merchant system 100, the card merchant system 100 is connected to the card reader using any one of a parallel port, a serial port, a USB port, an infrared port, and a wireless communication port. The information of the credit card is read using the 120, and the read credit card information (for example, the card number and the expiration date) is transmitted to the operator system 200 through the Internet.

Preferably, the read credit card information is encrypted and transmitted using a web security module, and may use an already developed security module.

In the absence of a credit card, the display device 110a for the credit card user of the card merchant system 100 provides general advertisements and store advertisements, and the display device 110b for the merchant owners displays an order confirmation, a general PC screen, or a shopping mall screen. Etc. are provided, and the affiliated store owner can purchase the necessary goods at a low cost by using a joint purchase or an event through the shopping mall, and the shopping mall may be operated by the operator system 200. On the other hand, when requesting the use of a credit card user display device (110a) is given a prize or event-related advertising in the upper portion of the screen of a certain size, a customized advertisement for the credit card user is provided in the lower portion of the remaining screen, merchant display device for merchants 110b is provided with a card approval application and a payment confirmation screen.

The advertisement database 130 of the card merchant system 100 stores general advertisements or store advertisements, and may store customized advertisements according to the age and gender of the card user.

The operator system 200 receives credit card information from the card merchant system 100 and transmits the credit card information to the VAN company's credit card inquiry system 300 using a dedicated line or a PSTN, and approves the use from the VAN company's credit card inquiry system 300. It receives the result and sends it to the card merchant system 100 using the web security module to encrypt.

On the other hand, the operator system 200 receives the card number and the predetermined resident registration number (birth and gender) of the credit card company member for a predetermined period (for example, one week) from the credit card operating system 400 of the credit card company to the card database Save it. The card number stored in the card database is compared with the card number transmitted from the card merchant system 100 to analyze the social security number code of the matching card number and select a personalized advertisement suitable for the age and gender of the credit card user. 100).

In addition, the operator system 200 classifies the advertisement data provided from the advertiser 500 according to the age, gender, and credit card usage area, and stores the advertisement data in the advertisement database.

Referring to FIG. 3, a step-by-step process of the target advertisement system according to the present invention will be described. As shown in FIG. 3, the card merchant system 100 displays a credit card user / merchant owner display device when there is no credit card used. In step S1, each display screen is transmitted. In the step S1, the display device 110a for a credit card user provides a general advertisement or a store advertisement to a credit card user, and the display device for the merchant owner 110b provides an order confirmation, a general PC screen, or a shopping mall screen to the merchant owner. .

The step S1 is performed until the credit card use approval request (S2) is input through the card reader 120, and if the step S2 is input, performing the step (S3) of checking the type of the input card, In step S4 and S5, a credit card number and an expiration date of the credit card are input.

After performing steps S4 and S5, the credit card information input is encrypted using a web security module and then transmitted to an operator system connected to the Internet (S6). The web security module may use a web security module currently in use.

The credit card information encrypted and transmitted in step S6 is decrypted by the operator system 200 to search for a card number that matches the card number previously stored in the card database (S7), and determines whether the card number matches (S8), and the card. If the numbers do not match, the card merchant system 100 performs a general advertisement transmission step (S9). If the card numbers match in step S8, the card number of the credit card user is stored using the resident registration number code stored with the card number. Step S10 of analyzing the age and gender is performed. In step S10, the social security number code is analyzed using the first two digit code (birth year) and the first one digit (gender) of the second half.

After performing the step S10, and performing the step (S11) of analyzing the credit card using region using the IP of the connected card merchant system (100).

The step 12 of transmitting from the operator system 200 to the card merchant system 100 using the information analyzed in steps S10 and S11 is performed. In step S12, the customized advertisement is selected according to the age, gender, and card use region of the credit card user from among advertisements previously stored in the advertisement database of the operator system 200. For example, if a woman in her 20s uses a credit card in a clothing store in Sinchon, the advertisement database 130 of the card merchant system 100 may display specific advertisements such as clothing, accessories, and cosmetics among the advertisements stored in the advertisement database of the operator system 200. To send). In addition, the specific advertisement may be stored in advance in the advertisement database 130.

The advertisement data transmitted in step S12 is exposed to the credit card user through the credit card user display apparatus 110a of the card merchant system 100 (S12).

While performing the step S13, the operator system performs a step (S14) of transmitting the credit card number to the VAN's credit card inquiry system 300.

The card use approval result received after performing the step S14 is performed by the operator system 200 by encrypting through the web security module to transmit to the card merchant system 100 (S15), the card merchant system 100 The result of the encrypted card use authorization received is decrypted and provided to the merchant owner display device, and the credit card user's payment is received.

On the other hand, the Internet described herein includes not only a wired network using a dedicated line or a cable, but also a wireless network using a mobile communication terminal.

Target advertising system according to the present invention as described above has the advantage that card merchants can reduce the cost burden, such as telephone bills by raising awareness and credit card inquiry using the Internet through advertising, and know the age and gender of credit card users There is an advantage that can prevent fraudulent use of the credit card, there is an effect such as cost saving using the joint purchase information provided through the operator system.

In addition, VAN operators have the advantage of providing credit card inquiry services of card merchants regardless of the card terminal of a particular VAN operator, advertisers have the advantage to maximize the advertising effect through customized advertising.

In the above, the present invention has been shown and described with respect to certain preferred embodiments. However, the present invention is not limited to the above-described embodiments, and those skilled in the art to which the present invention pertains may vary without departing from the spirit of the technical idea of the present invention described in the claims below. It will be possible to carry out the change.

Claims (9)

A credit card merchant terminal system that receives credit card information of a credit card user through a card reader, outputs a request for approval and approval of a credit card through the Internet, and provides a specific advertisement to the credit card user; By comparing the credit card number stored in the credit card information database with the credit card number received from the credit card merchant terminal system, the user's social security number code corresponding to the matching credit card number is obtained. An operator system for transmitting a customized advertisement for a region to a terminal system of a credit card merchant, A credit card inquiry system for transmitting a credit card use approval result using credit card information input from the operator system, and A target advertisement system comprising a credit card operator system for transmitting a card number of a credit card member and a predetermined social security number code to a credit card information database of an operator system. The method of claim 1, wherein the credit card merchant system Dual display devices configured for credit card users and merchant owners installed in opposite directions; A card reader composed of a magnetic card reader module and an IC card reader module; And Target advertising system comprising a computer system including a general advertising, store advertising, advertising database for storing the customized advertisement according to the age and gender of the card user. The method of claim 2, wherein in the dual display device The display device for the credit card user is provided with an advertisement screen; Merchant owner display device is a target advertising system, characterized in that the order confirmation, normal PC screen, card approval application and payment confirmation screen is provided. The target advertisement system of claim 3, wherein the display device for a credit card user is provided with a prize and an event related advertisement at an upper portion of a screen of a predetermined size, and a customized advertisement for a credit card user is provided at a lower portion of the remaining screen. . The card reader of claim 2, wherein the card reader is Target advertising system, characterized in that connected to the computer system using any one of a parallel port, serial port, USB port, infrared port, wireless communication port. Targeted advertising methods for credit card users. Receiving credit card information of the credit card user from the credit card merchant system and transmitting a request for authorization of use of the credit card to the operator system through the Internet; Comparing the stored credit card number with the received credit card number in the operator system, analyzing the social security number code of the matching credit card number, and sending a customized advertisement for the credit card user to the credit card merchant system; Displaying the customized advertisement on a credit card user's display device of a credit card merchant; And transmitting the request for approval of the credit card user to the credit card inquiry service provider, receiving the use approval result, and transmitting the result of the approval to the merchant system for display on the display device for the merchant owner. The method of claim 6, wherein the outputting of the credit card use approval request and the approval result is performed by encrypting credit card information using a web security module. The method of claim 6, wherein the personalized advertisement provided to the credit card user is generated according to the age, gender, and usage area based on the predetermined social security code of the user, and includes general advertisements, store advertisements, and premium event advertisements. Targeted advertising method. The method of claim 6, wherein the pre-stored credit card number is stored and transmitted from the credit card company operator system to the operator system at predetermined intervals.