KR20030096568A - System and Method for Providing Location Based Coupons by Using Credit Card(Smart Card, IC Card) - Google Patents

Abstract

PURPOSE: A method and a system for offering a coupon based on location using a credit card are provided to offer the coupon for a member shop within a predetermined region to the smart card of a client by referring the settlement information of the smart card and the position information of the member shop. CONSTITUTION: A settlement information processing part(105) produces the propensity analysis information of the client(145) through the settlement particular data included in the settlement information received from the member shop(150). A pattern information generating part(110) generates the pattern information of the client by basing on a bought article and the buying region information data of the client, and the position information of the member shop. A coupon offering part(120) offers the coupon corresponding to the position frequently to the client by referring the settlement position information.

Description

System and Method for Providing Location Based Coupons by Using Credit Card (Smart Card, IC Card)}

The present invention relates to a customer-based coupon providing method and system using credit card (smart card, IC card, etc.) payment information, the payment is made by the client through the payment means (credit card, smart card, wireless communication device, etc.) By referring to the information and the location information of the merchant where the payment was made, the client sets a region in which the payment frequency of the client is high, and stores a coupon (mileage, discount ticket, ticket, etc.) that can be used at the merchant within the set region. And an IC card).

Coupons are proof of eligibility for discounts on coupon products or coupon services offered by merchants and include coupon information such as product names, discount amounts, discount rates, and expiration dates.

Existing coupons have been unilaterally provided to an unspecified number through print media such as newspapers or magazines, direct mail (DM) mailed to customers, or printed media such as product wrappers of coupon products. However, coupons that are unilaterally provided to an unspecified majority include a problem that the issuance and withdrawal process of the coupon is complicated, and information processing such as prediction of potential market through measurement of coupon effect is difficult.

In the meantime, the printed coupons are provided in the form of a plastic card capable of recording information, such as a magnetic card or an integrated circuit (IC) card. Compared to coupons, coupon issuance and collection are simpler, and the effect of coupons is relatively easy to measure. However, such a plastic card type coupon includes a problem that it is difficult to apply to a coupon targeted for a specific member, such as a membership card, but for a specific coupon product or coupon service. That is, a coupon in the form of a plastic card may be easy to issue and collect coupons for a specific member and to measure the effects of the coupons. There is also a problem that is difficult to measure.

Recently, coupons, which have been provided in the form of a printed card or a plastic card, have been provided through a wireless terminal providing portability and mobility due to the development of mobile communication technology. The coupon of has a feature that can provide a location based service (LBS) compared to the existing coupons. However, the location information obtained from the wireless terminal is merely location change information according to the movement of the location of the wireless terminal, and the location information obtained as described above cannot provide reliable information related to the offer of the coupon. That is, the location information of the customer for providing the location-based coupon may be used as reliable location information only when the purchase pattern information of the customer is included.

However, since the current location information of the client can only exchange information temporarily, continuous or continuous delivery of information is meaningless, and the information once used cannot be used again later. In addition, there is virtually no continuous information providing service through the location information of the client.

An object of the present invention to solve the above problems is to refer to the payment information of the credit card (smart card, IC card) used by the client and the location information of the merchant where the payment was made, the client's credit card (smart Calculating a region where payment is frequently made, and providing coupons (miles, discount tickets, tickets, etc.) for merchants located in the region to the credit card (including smart cards and IC cards) of the client. And providing a system.

1 illustrates a client's own payment location pattern information by referring to payment information and affiliate store location information of a client, and displays a coupon or the like that can be used at an affiliate store in a region where the client frequently pays the credit card (smart card, It is a main configuration diagram of the present invention provided by the IC card).

FIG. 2 is a coupon optimized for a client by acquiring merchant information including merchant location information from merchants, constructing a merchant database, and generating payment position pattern information through payment information of the client and the merchant location information. Simple flow chart for the process of providing it.

Figure 3 receives the payment information generated due to the payment behavior of the client, and confirms the location (payment location) of the merchant where the payment is made, generates payment location pattern information and thereby provides the best coupon to the client Work flow of location-based coupon provider.

Figure 4 shows the location-based coupon provider to select the coupon to provide to the client, to check the optimum conditions to be mounted on the client's credit card (including smart card, IC card), so that the client's own credit card (smart) Card, IC card) is a simple flow chart for the process of using the coupon mounted on.

5 is a conceptual diagram of payment location pattern information indicating payment location information in a specific region of a client by combining payment information of a client and a geographic location of a corresponding affiliate store.

<Description of main parts of drawing>

100: location-based coupon provider 105: payment information processing unit

110: pattern information generating unit 115: pattern information extracting unit

120: coupon provider 125: member information database

130: merchant information database 135: pattern information database

140: coupon information database 145: client

150: Merchant

The present invention relates to a method and system for providing a location-based coupon using a credit card (including a smart card and an IC card). In providing an optimized coupon according to a payment location of a client, the location-based coupon provider according to the present invention. Registering a merchant information to be visited by a client and constructing a database; storing and storing payment information of the client visiting the merchant by matching with the merchant location information; and processing the accumulated information to process Generating payment location pattern information, and providing an optimized location-based coupon to a corresponding client by referring to the generated payment location pattern information.

According to the present invention, the location-based coupon provider receives the payment information of the client through the wired and wireless communication network, and obtains the merchant location information of the payment made by the client with reference to the payment information processing to deliver a useful coupon to the client Is carried out. The processing process refers to the formation of a region having a high payment frequency of the client to form a region of information that is likely to be the expected payment of the client, it is described in the present invention described as payment position pattern information. In addition, the location-based coupon provider is to specify that it can exist inside or outside the card company for the smooth implementation and configuration of the present invention.

In addition, the coupon useful to the client described above means that the location-based coupon provider accumulates the location information of the affiliated store where the client pays, configures the payment location pattern information of the client, and then locates the location within the corresponding area through the configured payment location pattern information. Refers to a merchant's coupon, which is provided to the client.

In addition, according to the present invention, the payment location pattern information generated through the location-based coupon provider does not mean information on the current location of the client who made the payment or information according to the location movement of the client. The payment location pattern information refers to distribution pattern information generated by the location-based coupon provider by distributing the payment location information on the map by associating payment location information of the client with an cadastral database or the like.

In addition, according to the present invention, the payment means for generating payment information by the client includes all credit cards (including smart cards, IC cards), wireless communication devices, etc., and generated through the payment means The payment information is used as basic information for deriving client-specific CRM (Customer Relationship Management) information according to the client's purchase of goods or the use of a service, and the client may also use a personal Internet terminal, a wireless communication device, and a kiosk. Etc., coupon information and coupons transmitted from the location-based provider may be downloaded.

In addition, the payment information includes information that the client withdraws cash and the like through an ATM (Automatic Teller Machine) using the payment means.

In addition, according to the present invention, the coupon provided by the location-based coupon provider to the client includes all the mileage, points, discounts, tickets, etc. available to the merchant, and the coupon delivery from the location-based coupon provider through a wired or wireless communication network It is loaded on credit cards (including smart cards and IC cards) held by clients.

In more detail, the location-based coupon provider will issue an optimized coupon based on the payment location pattern information of the client, and the client will install the optimized coupon in a personal internet terminal or a corresponding merchant or any place. You can download it to your credit card (including smart card and IC card).

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

FIG. 1 generates payment location pattern information unique to the client 145 with reference to payment information and affiliate store location information of the client 145, and is available to the affiliate store 150 within the area where the client 145 frequently pays. The main configuration of the present invention provides a coupon or the like as a credit card (including a smart card and an IC card) of the client 145.

The location-based coupon provider 100 serves to receive payment information when a payment activity of the client 145 occurs through a wired or wireless communication network. The payment information of the client 145 may include information on the affiliated store 150, etc., due to a purchase activity or a service purchased by the client 145, and the like, and the affiliate store information data inside the location-based coupon provider 100. It matches the location information of the affiliated store 150 recorded in the base and serves to generate payment location pattern information.

The payment location pattern information refers to region (map) information according to the payment frequency of the client 145, and the high payment frequency of the client 145 is the main activity stage that the client 145 frequently visits. The activity is taking place actively, and many consumption activities are expected in the future. Accordingly, the location-based coupon provider 100 serves to provide the client 145 with the coupon of the affiliated store 150 located in the corresponding area with reference to the payment location pattern information.

The client 145 may store the optimized coupon provided by the location-based coupon provider 100 through a personal internet terminal (including a credit card (including a smart card and an IC card) reader) or a kiosk (KIOSK). Smart card, including the IC card) can be downloaded, and the coupon downloaded to your credit card (including smart card, IC card) can be used to go to the merchant 150.

The location-based coupon provider 100 receives payment information of the client 145, generates payment location pattern information through processing of the received payment information and the corresponding merchant geographic location, and transmits the coupon generated to the client 145. For example, the payment information processing unit 105, the pattern information generating unit 110, the pattern information extracting unit 115, the location-based coupon providing unit 120 and related databases, each of which is more specific Explained as follows.

The payment information processing unit 105 in the location-based coupon provider 100 serves to receive information on purchase of goods or service usage paid by the client 145 visiting the merchant 150, and the payment information received from the merchant 150. Information for the propensity analysis of the client 145 is calculated based on the payment details included therein. Propensity analysis information of the client 145 in providing the coupon through the coupon providing unit 120 to be described later, with the payment position pattern information, it is possible to provide a more optimized coupon to the client 145.

The pattern information generating unit 110 is connected to the payment information of the client 145 received through the payment information processing unit 105 and the affiliate store information database 130 in the location-based coupon provider 100 and the client 145. It serves to generate payment location pattern information based on the location information of the merchant 150 where the payment act was performed.

The payment location pattern information of the client 145 generated through the pattern information generation unit 110 is not simply temporary information on the current region where the client 145 is located, and is also located at the payment location of the client 145 that has paid. It does not reveal information including mobility. The payment location pattern information may be distributed on a map by linking payment information and payment location information of the client 145 continuously performed to some extent with a geographical point of view, thereby providing distribution pattern information indicating a distribution of payment locations generated. Say.

The pattern information extracting unit 115 in the location-based coupon provider 100 uses the payment location pattern information unique to the client 145 generated through the pattern information generating unit 110, where the client 145 is located ( By determining whether the payment is frequently performed in a region), the user may extract optimized information about a coupon to be provided to the client 145 through the coupon providing unit 120 to be described below.

The coupon providing unit 120 serves to provide the extracted optimized coupon to the client 145 when the optimized coupon is extracted to the corresponding client 145 through the pattern information extracting unit 115. The optimized coupon provided to the client 145 is provided to the client 145 through an information terminal such as a personal internet terminal or a kiosk, and the client 145 may use his or her own credit card (including smart card and IC card). It is possible to use by mounting the coupon provided from the location-based coupon provider 100 by using.

The member information database 125 stores the information of the client 145 who wants to mount a coupon for his / her credit card (including a smart card and an IC card) for a region where he / she frequently pays (uses) through the present invention. As a database, credit card (including smart card and IC card) information possessed by the client 145 is included.

The affiliated store information database 130 is a database in which geographic location information of the affiliated store 150 is stored together with basic information about the affiliated store 150 (trade name, business type, business status, etc.).

The pattern information database 135 is a database that stores payment location pattern information configured based on payment information of the client 145 and merchant location information where payment is made, and the payment location pattern information is a client 145 that has made a payment. It does not mean the information about the current location of the) or the information according to the movement of the location of the client 145, the payment location pattern information is the location-based coupon provider 100 the payment location information of the client 145 cadastral database, etc. It refers to distribution pattern information created by distributing the settlement location processed in association with the map.

The coupon information database 150 transmits an optimal coupon suitable for the propensity of the client 145 extracted through payment position pattern information of the client 145 to the client 145 using a wired / wireless communication network.

The merchant 150 shown in this figure means an offline merchant 150 that can use the coupon provided to the client 145 according to the present invention, and the location-based coupon provider ( The affiliated store information (information including the affiliate store location) may be registered in 100. In addition, the payment activity performed by the client 145 in the affiliated store 150 may include all payments using a credit card, a credit card (including a smart card and an IC card), a wireless communication device, and the like.

FIG. 2 obtains merchant information including location information of the affiliate store 150 from the affiliate stores 150, constructs an affiliate store information database 130, and displays payment information and the affiliate store location information of the client 145. FIG. It is a simple flow diagram for the process of providing the optimized coupon to the client 145 by generating payment location pattern information through.

The location-based coupon provider 100 obtains affiliate store information including the location information of the affiliate store 150 from the affiliate stores 150 for smooth implementation of the present invention (200), and the affiliate store based on the acquired store information. An information database 130 is constructed (205).

The merchant information database 130 is processed along with the payment information for the payment behavior occurring from the client 145 obtained through the wired / wireless communication network to provide help in generating payment location pattern information of the corresponding client 145. It will play a role.

The payment activity generated from the client 145 visiting the affiliated store 150 generates payment information (210), and the location-based coupon provider 100 receiving the payment information stores a merchant information database including location information ( In operation 215, the affiliate store 150 checks the location of the affiliate store 150 required for generation of payment location pattern information.

If it is possible to determine the location (220), the location-based coupon provider 100 processes the payment information and merchant location information (225) will generate the unique payment pattern location information of the client 145 (235). The payment pattern location information is processed by processing payment location information of the client 145 in association with a cadastral database, and the like, thereby distributing distribution pattern information generated by distributing the payment location (the location of the affiliated store) of the client 145 on a map. Say.

The location-based coupon provider 100 may provide an optimal coupon to the client 145 based on the analysis of the payment pattern location information and the purchase propensity according to the payment information of the client 145 (240). .

The optimal coupon is provided to the client 145 based on the payment position pattern information of the client 145 according to the present invention, and may include mileage, discount tickets, tickets, etc. available at the affiliate store 150, Refers to a coupon for the affiliated store 150 in the region where the client 145 frequently visits and makes a payment.

3 receives payment information generated due to a payment activity of the client 145, checks the location (payment location) of the merchant 150 where the payment is performed, generates payment location pattern information, and thereby generates a client ( 145 is a work flow diagram of the location-based coupon provider 100 that provides the best coupon.

When a payment act occurs from the client 145 visiting the affiliated store 150 (300), payment information according to the payment act of the client 145 is generated. The payment information may include purchase price (or service usage amount) information, client 145 card information, merchant code information, payment time information, and the like. In addition, the payment act means that the client 145 purchases goods or uses a specific service through the affiliate store 150, and the payment means includes a credit card, a credit card (including a smart card and an IC card), a wireless communication device, and the like. It may include all offline payment methods.

The payment information processing unit 105 in the location-based coupon provider 100 receives the payment information generated by the payment operation (305), and the payment processing in conjunction with the merchant information database 130 with reference to the received payment information. The location of the affiliated store 150 is determined (310). In addition, the payment information processing unit 105 performs an analysis of the propensity of the client 145 through the received payment information of the client 145 to assist in providing an optimized coupon.

When the location information (payment location information) of the affiliated store 150 is confirmed, the pattern information generation unit 110 in the location-based coupon provider 100, the payment location to geographically express the distribution of the payment location of the client 145 The pattern information is created (315), and the pattern information extracting unit 115 extracts the characteristics of the client 145 from the payment position pattern information (320).

The characteristics of the client 145 extracted from the payment location pattern information are statistically indicating how much the client 145 has made in which region (payment of a merchant), and the location-based coupon provider 100 with reference thereto The coupon providing unit 120 selects an optimal coupon suitable for the payment behavior pattern of the client 145 (325) and provides it (330).

According to the present invention, the coupon provided by the location-based coupon provider 100 may be provided with basic (advertising) information about the (issued) merchant 150, the use of the coupon is carried by the client 145 It can be installed on credit cards (including smart cards and IC cards). In addition, download to the credit card (including smart card, IC card) is possible through a personal Internet terminal (including credit card (including smart card, IC card) reader), wireless communication device and kiosk or ATM, etc. .

4 shows that the location-based coupon provider 100 selects a coupon to be provided to the client 145, and checks the optimum condition so that the location-based coupon provider 100 mounts the credit card (including the smart card and the IC card) of the client 145. The client 145 is a simple flowchart of a process of using a coupon mounted on a credit card (including a smart card and an IC card) of the client.

The location-based coupon provider 100 checks the coupon merchant 150 to provide the best coupon to the client 145 through payment position pattern information of the client 145 (400), the payment information of the client 145 The analysis selects the merchant 150 of interest (often used) (405). The coupon merchant 150 may be included in an area where payment of the client 145 is frequently made according to the payment location pattern information, and may also provide an optimized coupon according to the analysis of the propensity of the client 145. Means that the merchant 150.

When a merchant 150 that can provide an optimized coupon to the client 145 is selected, the location-based coupon provider 100 extracts coupon information to be transmitted from the coupon information database (410), and sends it to the client 145. And transmit (415).

If the client 145 can receive a coupon (420), a credit card (smart card) held by the client 145 through a personal Internet terminal, a wireless communication device, a kiosk, etc., to which the client 145 can be connected. The coupon is mounted on the IC card (425).

Receipt of the above coupon means that the client 145 holds a credit card (including a smart card and an IC card), and the information can be loaded onto a credit card (including a smart card and an IC card). In this case, a credit card (including smart card and IC card reader) exists.

When a coupon optimized for a credit card (including a smart card and an IC card) of the client 145 is loaded, the client 145 uses the credit card (including a smart card and an IC card) when visiting the affiliated store 150. The mounted coupon can be used (435).

According to the present invention, the area in which the payment of the client 145 is frequently made consists of one payment position pattern information to check the activity area of the client 145, extract the appropriate coupon in the area, and trust the client 145. It should be mounted on a card (including smart card and IC card).

FIG. 5 is a conceptual diagram of payment location pattern information indicating payment location information in a specific region of the client 145 by combining payment information of the client 145 and the geographic location of the affiliate store 150.

FIG. 5 is geographical information shown to help understanding payment location pattern information according to the present invention. As described above, payment location pattern information is information about a current location of a client 145 who has made a payment or client 145. It does not mean the information according to the movement of the location, and the payment location pattern information, the location-based coupon provider 100 is associated with the payment location information of the client 145, such as cadastral database, the payment location on the map Distribution pattern information created by distribution.

In addition, the payment location shown in the figure reveals that the client may include the location of the ATM (Automatic Teller Machine) withdraw cash, etc. using a credit card (including smart cards, IC cards) and the like. If a client frequently withdraws cash using an ATM, the location of the ATM can be included in the payment location because the probability of purchasing or using the service in the area is high.

In this figure, the part indicated by the black dot shows the position of the affiliated store 150 where the client 145 has made a payment, and in this figure, it can be confirmed that the part where the black dot is relatively many gathered. The above portion indicates an area where the client 145 frequently pays, and the range of the area may vary depending on the number of payment positions, the payment location (merchant location), or the like of the client 145.

According to the present invention, by generating payment location pattern information through the payment location of the client and the location of the affiliated store, and extracts the coupon information optimized for the client using the payment location pattern information, the client has his own activity Coupons are offered for many locations, so it is cheaper and closer to buying or using goods.

In addition, operators have the advantage of being able to attract clients by providing them with coupons of merchants in areas that are more likely to visit them, and merchants can attract more loyal (highly likely to visit) customers. There is an advantage.

Claims (16)

And extracting merchant location information data matching the credit card (including the smart card and the IC card) payment information data of the client and providing the client with a coupon corresponding to the extracted location. Matching and accumulating payment information data of a client visiting a card affiliate store (including a credit card, a smart card, and an IC card affiliate store) with the affiliate store location information data; Generating payment location pattern information data of the client with reference to the accumulated information data; And And providing the client with a coupon that corresponds to a location frequently visited by the client with reference to the generated payment location pattern information. The method of claim 2, wherein the location-based coupon, A location-based coupon providing method further comprising the step of registering the location information of the card merchant (including credit card, smart card and IC card merchant) to build a database. Registering a location information of a card affiliate (including a credit card, a smart card, and an IC card affiliate) to build a database; Accumulating and matching payment information data of a client visiting the card affiliate with the affiliate store location information data; Generating payment location pattern information data of the client with reference to the accumulated information data; And And providing the client with a coupon that corresponds to a location frequently visited by the client with reference to the generated payment location pattern information. The method of claim 1 or 2 or 4, wherein the location-based coupon, Location-based coupon providing method characterized in that consisting of coupons used in the region where the frequency of payment of the client is high. The method according to claim 1 or 2 or 4, wherein the coupon, Location-based coupon providing method comprising a mileage, a discount, a gift certificate, a ticket. The method of claim 2 or 4, wherein the payment location pattern information, And providing payment location information data on a map by associating payment location information data of the client with a cadastral database. The method of claim 2 or 4, wherein the coupon providing step, Location-based coupon providing method characterized in that provided by the smart card or IC card possessed by the client via a wired / wireless communication network. The method of claim 2 or 4 or 8, wherein the coupon providing step, And providing the coupon through all devices connected to the smart card or the IC card including an internet terminal, a wireless communication device and a kiosk, and an ATM device. A payment information processor configured to calculate propensity analysis information (including payment items and payment areas) of the client through payment history data included in the client payment information received from the credit card merchant; A pattern information generation unit for generating payment location pattern information of the client based on payment information and payment area information data of the client and location information of the credit card affiliate store calculated by the payment information processing unit; And And a coupon providing unit for providing the client with a coupon corresponding to a location frequently visited by the client with reference to the payment position pattern information generated by the pattern information generating unit. . The method of claim 10, An affiliate store information database that stores geographical location information of the credit card affiliate store; A pattern information database for storing payment location pattern information configured based on payment information of the client and location information of affiliated stores; And And a coupon information database for storing a coupon corresponding to a location frequently visited by the client, which is extracted through payment position pattern information of the client, in association with the client. The method of claim 10, wherein the coupon, Location-based coupon providing system, characterized in that consisting of coupons used in the region where the payment frequency of the client is high. The method of claim 10, wherein the coupon, Location-based coupon providing system comprising a mileage, a discount, a gift certificate, a ticket. The method of claim 10, wherein the payment location pattern information, And position the payment location information data on a map by associating payment location information data of the client with a cadastral database. The method of claim 10, wherein the coupon providing unit, And a function of transmitting the coupon to a smart card or an IC card held by the client through a wired / wireless communication network. The method of claim 10 or 15, wherein the coupon providing unit, Location-based coupon providing system, characterized in that for transmitting the coupon to any device connected to the smart card or IC card, including Internet terminals, wireless communication devices and kiosks, ATM devices.