KR20040024831A - System and Method for Processing Mileage(Incentive) by Sending Settlement Information in Wire·Wireless - Google Patents

Abstract

PURPOSE: A method and a system for processing a mileage through the wire/wireless settlement particulars information transmission are provided to receive an incentive matched with the settlement particulars by connecting to a settlement particulars repaying server after storing the settlement particulars received from a settlement terminal in an IC chip or a memory of a wireless terminal. CONSTITUTION: The settlement terminal(105) transmits the settlement particulars according to a transaction activity to the wireless terminal(100) of a client when the client visiting a shop buys goods. The wireless terminal transmits the settlement particulars information to the settlement particulars repaying server(110) offering the mileage by using the wire/wireless communication network. The settlement particulars repaying server generates the mileage matched with the settlement particulars by receiving the settlement particulars information from the wireless terminal and stores/manages the mileage by linking with the client.

Description

System and Method for Processing Mileage (Incentive) by Sending Settlement Information in Wire · Wireless}

The present invention relates to a method and system for processing mileage (or incentive) through transmission of wired / wireless payment history information, wherein a client visiting a product or service providing store makes a payment for a product purchase (or service use), and stores a POS in the store. Receive payment history information according to the transaction from the payment processing terminal such as Point Of Sales to the wireless terminal or smart card of the client and store the payment history information provided to the wireless terminal or smart card in the memory area or the IC chip. And access the payment history repayment server on a wired / wireless network through the wireless terminal or a smart card, and provide the received payment history information, and the payment history repayment server receives the payment history information to provide an incentive corresponding to the corresponding payment history. It is provided by repayment by means.

Points and miles (discount tickets, coupons, etc.) have a certain degree of promotion to the user when purchasing a specific product or using a specific service, thereby promoting the product or service provider, and providing the product or service provider. It is widely used as a means to attract members of.

Recently, as the incentive means such as points, miles or discounts have emerged as a useful model effective for attracting and promoting users, there are many places where new mileage policies or coupon policies are implemented.

However, the existing methods are mainly used in a way that the terminal in the merchant to be processed through the program, etc. In implementing a policy such as mileage or coupon, if the policy is changed, a new program in the terminal must be installed and a new product is released. There is a disadvantage in that a program update or the like is required.

An object of the present invention for compensating the above problems is to perform a transaction in a product or service providing store, and receives the payment details according to the transaction from the payment terminal to the wireless terminal, IC chip for interworking with the wireless terminal Or storing in a memory in a wireless terminal, accessing a payment history repayment server on a wireless network, and providing a method and system for processing mileage (or incentive) through wired / wireless payment history information to be repaid incentives corresponding to the stored payment history. have.

In addition, a transaction is performed at a store that provides a product or service, and the payment details according to the transaction are provided as a smart card (or an IC card) and stored in a memory area or an IC chip of the smart card (or an IC card). The present invention provides a method and system for processing mileage (or incentive) through transmission of wired / wireless payment history information for accessing a payment history repayment server on a network and repaying incentives corresponding to the stored payment history.

1 is a simplified configuration diagram of the present invention configured as a payment terminal of a payment history repayment server, a wireless terminal, a store for providing goods or services according to the present invention.

2 is a flowchart briefly illustrating the overall process of implementing the present invention through a wireless communication network.

3 is a simple conceptual diagram of a process of transmitting payment details information to a wireless terminal by using infrared, RF, or Bluetooth data communication means from a payment terminal.

4 is a simple conceptual diagram of data exchange between a wireless terminal and a payment history repayment server on a wireless communication network.

5 is a simple conceptual diagram for data exchange for authentication of payment history information between a payment history repayment server and a payment authentication server.

6 is a simple configuration diagram of the present invention configured as a payment history repayment server, a smart card (or IC card), and a payment terminal of a product or service providing store according to the present invention.

7 is a flowchart briefly illustrating an overall process of implementing the present invention through a wired communication network.

8 is a simple conceptual diagram of a process of transmitting payment details information from a payment terminal to a smart card (or IC card).

9 is a simple conceptual diagram of data exchange between a smart card (or IC card) and a payment history repayment server on a wired communication network.

FIG. 10 is a diagram illustrating a simple data model of payment history information generated from a payment terminal of a product or service providing store and transmitted to and stored in a client wireless terminal or a smart card.

FIG. 11 is a diagram illustrating a simple data model of incentive information stored in an incentive database in a payment history repayment server.

12 is a simple data model example of an incentive policy database in the payment history repayment server.

<Description of main parts of drawing>

100: wireless terminal 105: payment terminal

110: payment history repayment server 115: incentive D / B

120: incentive policy D / B125: payment authentication server

The present invention relates to a method and system for processing mileage (or incentive) through transmission of wired / wireless payment history information. When a client visiting a product or service providing store makes a payment, a point of sales (POS) in the store, etc. (1) providing the payment history information according to the transaction from the payment processing terminal to the wireless terminal; (2) storing the payment history information provided to the wireless terminal in the IC chip or the wireless terminal memory; (3) providing the received payment history information by accessing a payment history repayment server on a wireless communication network through a wireless terminal, and receiving the payment history information from a wireless terminal to correspond to the payment history; (4) generating a mileage (or incentive) to the said; and the generated mileage from the payment history repayment server (Or incentive) includes (5) a step of storing, in association with the management client.

In addition, in the step of receiving payment history information from the wireless terminal and redeemed with a mileage (or incentive) corresponding to the corresponding payment history, in order to prevent manipulation, forgery, or tampering with the payment history information, a payment confirmation (authentication) server The method further includes verifying the validity of the payment history information by performing an inquiry about the payment history information with a card company or a VAN.

According to the present invention, payment details information refers to electronic receipt data including details of transactions and payments that occur due to transactions such as the purchase of goods or the use of the corresponding service, and the goods or services for payment processing. The information is prepared from a payment terminal such as a point of sales (POS) or a credit authorization terminal (CAT) in a provided store and transmitted to the wireless terminal.

In addition, the terminals (wireless terminal and payment terminal) as a data transmission means for transmitting the payment means information and payment history information, it is revealed that the means such as infrared, RF (Radio Frequency) or Bluetooth.

In addition, according to the present invention, when a client visiting a product or service store pays for the product or service, the payment means includes all payment means such as cash and credit card, and the subscriber authentication information capable of payment. And the payment through the wireless terminal based on the IC chip that can include financial settlement information, etc. is revealed.

In addition, according to the present invention, the payment history information for a transaction occurring in the product or service store is transmitted to the wireless terminal carried by the client, the wireless terminal is IC chip or a separate payment history information transmitted from the payment terminal It stores in the wireless terminal memory, and transmits to the payment history repayment server through the wireless communication network.

1 is a simplified configuration diagram of the present invention composed of a payment history repayment server, a wireless terminal, a product or service providing store payment terminal according to the present invention.

1 is a simplified configuration diagram of the present invention composed of a payment history repayment server 110, a wireless terminal 100, a product or service providing store payment terminal 105 according to the present invention.

The wireless terminal 100 receives payment history information from the payment terminal 105 of a store providing a product or service, and stores the payment history information in an IC chip or a memory in the wireless terminal 100, and the wireless terminal 100 stores the stored payment. By transmitting the details information to the payment history repayment server 110, and serves to obtain a mileage (or incentive) corresponding to the payment history.

In addition, the wireless terminal 100 may be equipped with a communication module for data communication with the payment terminal 105 in the product or service providing store, the data communication is all infrared, RF or Bluetooth used for wireless payment It may be included.

In addition, the wireless terminal 100 may include an IC chip loaded with information such as client subscriber authentication and financial settlement information (credit card, bank account, electronic money, etc.), and may be used to purchase goods or use services. Payment is also possible.

The payment terminal 105 may include a point of sales (POS) terminal and a credit authorization terminal (CAT) terminal, and the like, and may include all kinds of terminals performing payment processing in a product or service providing store. Further, according to the present invention, the payment terminal 105 communicates with the wireless terminal 100 such as infrared, RF, or Bluetooth for data communication such as transmission of payment history information and reception of payment means information (credit card, etc.). It is specified that a module is provided.

The payment history repayment server 110 is connected to the wireless terminal 100 on a wireless network, receives payment history information from the wireless terminal 100, and applies an appropriate incentive policy to an incentive corresponding to the corresponding payment history. Repayment is provided. In addition, the payment history repayment server 110 may be configured to include the incentive database 115 and the incentive policy database 120 to achieve the role.

The incentive database 115 is a database in which payment history information transmitted from the client wireless terminal 100, incentive repayment means, incentive acquisition means, and the like are stored. The payment history information is information on payment history of the client transmitted from the product or service providing store payment terminal 105 to the wireless terminal 100, and the incentive repayment means is provided by the client by any means (e.g., incentive corresponding to the payment history). Mileage, cash, points, etc.), and the incentive acquiring means stores information on which means (IC chip interworking with the wireless terminal, in the payment history repayment server, etc.) to store the repaid incentive. Say.

The incentive policy database 120 is a database in which a policy for an incentive repayment rate determined by a product or service providing store or a specific product or service is stored.

The payment authentication server 125 is connected to the corresponding product or service providing store and the payment history repayment server 110. When a transaction of the client occurs in the product or service providing store, the payment history information is received, and the client is subsequently received. When the payment history information is transmitted to the payment history repayment server 110, and the corresponding incentive payment request is made, in conjunction with the payment history repayment server 110, the payment history information is responsible for authentication.

The payment verification server 125 may be a financial institution such as a credit card company, a VAN operator in charge of transaction authentication, and the like. In addition, it reveals that it may be a mobile carrier having a number of stores providing goods or services.

2 is a flowchart briefly illustrating the overall process of implementing the present invention.

In the figure, a client visiting a product or service providing store performs payment for a product purchase or service use according to the present invention, and receives detailed information about the payment from the payment terminal to the wireless terminal 100, It describes the flow of a process of transmitting to a payment history repayment server on a wireless network and requesting repayment of mileage (or incentive) for the payment history.

When the payment terminal 105 such as the POS terminal in the product or service providing store confirms the product purchase request of the client (200), payment is made using a payment means (credit card, cash, wireless terminal 100, etc.). (205). The payment terminal 105 receives a request for payment history information for the payment from a client (210), generates payment history information, and transmits it to the wireless terminal 100 of the client (215). Data communication between the payment terminal 105 and the wireless terminal 100 may be any method using infrared, Bluetooth or RF.

The wireless terminal 100 receives payment details information from the payment terminal 105 through data communication means such as infrared, Bluetooth, or RF, and operates in the IC chip or the wireless terminal 100 interoperating with the wireless terminal 100. The storage in the memory (220).

In order to obtain redeemed incentives for payment history information stored in the wireless terminal 100, a wireless terminal 100 is connected to a payment history repayment server 110 on a wireless network (225). The payment history information stored in the 100 is transmitted to the payment history repayment server 110 (230).

The client requests the payment history reimbursement server 110 for the incentive payment corresponding to the payment history information (235), and the payment history repayment server 110 works with the incentive policy database 120 to the payment history. To the corresponding incentive. When the incentive repayment process is completed, the payment history repayment server requests the acquisition means for the incentive reimbursed to the wireless terminal 100 (240), the incentive acquisition means (interworking with the wireless terminal 100) IC chip or payment history repayment server, etc.) and provide the incentive repaid to the corresponding incentive acquisition means (245).

The incentive acquiring means may store the IC chip interworking with the wireless terminal 100 or the payment history repayment server 110 or the like appropriately for the client.

3 is a simple conceptual diagram of a process of transmitting payment details information to the wireless terminal 100 using infrared, RF, or Bluetooth data communication means from a payment terminal.

According to the present invention, the mutual data communication about the payment history information between the wireless terminal 100 and the payment terminal 105 in a corresponding product or service providing store is performed using infrared rays or RF (Radio Frequency) as described above. And it can be said that both the communication using Bluetooth (BlueTooth) and the like may be possible.

When a client visiting a product or service providing store purchases a product or uses a service and requests a payment for the product (1), the payment terminal 105 in the product or service providing store receives a payment method (credit card, cash or The payment for the product purchase is performed using the wireless terminal payment, etc.) and notified to the client (2). The client requests the payment history information for the payment from the payment terminal 105 (3), and the payment terminal 105 receives the payment history information to generate the payment history information to the wireless terminal 100 of the client. Will be transmitted (4).

The wireless terminal 100 receiving payment history information from the payment terminal 105 stores the payment history information in an IC chip or a wireless terminal 100 memory interoperating with the wireless terminal 100, and the payment terminal 105. (5), the payment terminal 105 confirms the payment history information reception response of the wireless terminal (100). The payment history information refers to a kind of electronically issued receipt data, which is subsequently transmitted to the payment history repayment server 110 to be repaid with an incentive corresponding to the payment history.

4 is a simple conceptual diagram of data exchange between a wireless terminal 100 and a payment history repayment server 110 on a wireless network.

In this figure, the wireless terminal 100 includes payment history information on the IC chip or wireless terminal 100 memory interoperating with the wireless terminal 100 through the process of FIG. The process of obtaining an incentive corresponding to the payment history by accessing the payment history repayment server 110 on the wireless network in order to repay the incentive is described.

In addition, the payment history information (stored in the wireless terminal memory or the IC chip interworking with the wireless terminal) that the wireless terminal 100 transmits to the payment history repayment server 110 for incentive redemption is provided with the wireless terminal 100. It is noted that it is possible to store the payment history information for various transactions immediately or at the time of the transaction between the product or service providing store payment terminal 105, and transmit them in a batch.

When the wireless terminal 100 that receives and stores payment history information about a product purchase, etc. from the payment terminal 105 of a corresponding product or service providing store requests a connection to the payment history repayment server 110 on a wireless network ( 1), the payment history repayment server 110 in response to the connection request of the wireless terminal 100, and determines whether to allow the connection (2).

When the connection is permitted, the wireless terminal 100 may transmit payment history information stored in a memory in the wireless terminal or an IC chip interworking with the wireless terminal 100 to incentive payment of the payment history. 110, the payment history repayment server 110 receives the payment history information and responds to the payment history information reception (4).

The payment history repayment server 110 receives an incentive repayment request for payment details from the wireless terminal 100 (5), performs an incentive repayment processing with reference to the incentive policy database 120, and performs an incentive repayment history. To transmit to the wireless terminal 100 (6).

In addition, the payment history repayment server 110 is notified of the storage means for storing the incentives reimbursed from the wireless terminal 100 (7), and stores the incentive in the storage means requested from the wireless terminal 100 The incentive storage is transmitted to the wireless terminal 100 (8).

5 is a simple conceptual diagram for data exchange for authentication of payment history information between the payment history repayment server 110 and the payment authentication server 125.

In the authentication process of the payment history information described in the drawing, incentive repayment of payment history information transmitted from a payment terminal 105 of a store providing goods or services to a wireless terminal 100 or a smart card (or an IC card) of a client is performed. When transmitted to the payment history repayment server 110 on a wired or wireless network, it is a necessary process to prevent the validity of the payment history information and to counterfeit and tamper with.

The payment history repayment server 110 receiving payment history information for incentive repayment from the client wireless terminal 100 requests payment history authentication from the payment authentication server 125 for authentication of the payment history information (1). The payment verification server 125 permits payment history authentication (2).

When payment history authentication is allowed from the payment authentication server 125, the payment history repayment server 110 transmits the payment history information received from the client wireless terminal 100 to the payment authentication server 125 (3), The payment verification server 125 performs payment history authentication.

The payment authentication server 125 may include a credit card company selected by the client as a payment method or a VAN company that performs a payment authentication agency when a transaction occurs in a product or service providing store.

The payment history repayment server 110 receives a confirmation of payment history verification from the payment verification server 125 (4), and responds to the payment history verification completion (5).

Figure 6 is a simple configuration of the present invention, consisting of payment history repayment server 110, smart card (or IC card) 100, a product or service providing store payment terminal 105 in accordance with the present invention.

According to this figure, when a client visiting a store providing goods or services makes a payment, payment history information (including a receipt) according to the transaction is received from a payment processing terminal such as a point of sales (POS) in the store. Providing a smart card (or IC card) (1), storing the payment history information provided by the smart card (or IC card) in a memory area of the smart card (or IC card) or an IC chip (2) (3) providing a payment history information stored in the memory area or the IC chip by accessing a payment history repayment server on a wired communication network through the smart card (or IC card); (4) generating mileage (or incentive) corresponding to the payment details by receiving the details information from the smart card (or IC card), and to the payment history repayment server The emitter the generated miles (or incentive) comprises the steps (5) to store, manage, in conjunction with the client.

In addition, in the step of receiving payment history information from the smart card (or IC card) and repaying the mileage (or incentive) corresponding to the corresponding payment history, in order to prevent manipulation, forgery, or tampering with the payment history information, The method may further include verifying the validity of the payment history information by performing an inquiry about the payment history information to a verification (authentication) server (card company or VAN).

In addition, the payment history information refers to an electronic form of receipt data including details of transactions and payments that occur due to transactions such as purchase of goods or use of the corresponding service, and stores of goods or services providing payments. It refers to information created from a payment terminal such as Point Of Sales (POS) or Credit Authorization Terminal (CAT), and transmitted to a smart card (or IC card) of the client.

In addition, in the present embodiment, when a client visiting a product or service store pays for the product or service, a smart card based on an IC chip may include subscriber authentication information and financial settlement information that can be paid. (Or IC card).

In addition, in the present embodiment, payment history information for a transaction occurring in the product or service store is transmitted to a smart card (or IC card) possessed by the client, and the smart card (or IC card) is transmitted from the payment terminal. The payment history information is stored in the memory area of the smart card (or IC card) and transmits to the payment history repayment server through a wired communication network.

The smart card (or IC card) 600 is to receive the payment history information from the payment terminal 105 of the product or service providing store stores in the memory area or IC chip in the smart card (or IC card) 600, In addition, the smart card (or IC card) 600 transmits the stored payment history information to the payment history repayment server 110 to obtain mileage (or incentive) corresponding to the payment history.

In addition, the smart card (or IC card) 600 is based on an IC chip loaded with information such as client subscriber authentication and financial settlement information (credit card, bank account, electronic money, etc.), and purchase goods using the same. Or you can pay for the service.

The payment terminal 105 may include a point of sales (POS) terminal and a credit authorization terminal (CAT) terminal, and the like, and may include all kinds of terminals performing payment processing in a product or service providing store. In addition, when the client makes a payment with a smart card (or IC card), the payment history information is stored in the memory area of the smart card (or IC card).

Payment history repayment server 110 is connected to the smart card (or IC card) 600 and the wired network, receives the payment history information from the smart card (or IC card) 600, and the appropriate incentive policy It is applied to repay incentives corresponding to the payment details. In addition, the payment history repayment server 110 may be configured to include the incentive database 115 and the incentive policy database 120 to achieve the role. In addition, the payment history repayment server 110 may transmit the mileage (or incentive) of the repaid client to the client.

The incentive database 115 is a database in which payment history information transmitted from the client smart card (or IC card) 600 and incentive repayment means and incentive acquisition means are stored. The payment history information is information on payment history of the client transmitted from the product or service providing store payment terminal 105 to the smart card (or IC card) 600, and the incentive repayment means corresponds to the payment history of the client. Information on which means (miles, cash, points, etc.) will be repaid, and the incentive acquiring means stores the redeemed incentives in any means (smart card (or IC card), the payment history repayment server, etc.). Say information about whether or not you want to.

The incentive policy database 120 is a database in which a policy for an incentive repayment rate determined by a product or service providing store or a specific product or service is stored.

The payment authentication server 125 is connected to the corresponding product or service providing store and the payment history repayment server 110. When a transaction of the client occurs in the product or service providing store, the payment history information is received, and the client is subsequently received. When the payment history information is transmitted to the payment history repayment server 110, and the corresponding incentive payment request is made, in conjunction with the payment history repayment server 110, the payment history information is responsible for authentication.

The payment verification server 125 may be a financial institution such as a credit card company, a VAN operator in charge of transaction authentication, and the like. In addition, it reveals that it may be a mobile carrier having a number of stores providing goods or services.

7 is a flowchart briefly illustrating the overall process of implementing the present invention.

In this figure, a client visiting a product or service providing store performs a payment for a product purchase or a service using a smart card (or IC card) 600 of the client according to the present invention. Receiving the details information to the smart card (or IC card) 600, transmits to the payment history repayment server on the wired network, the flow of the process to receive and request the mileage (or incentive) repayment for the payment history It is describing.

When the payment terminal 105, such as a POS terminal in the product or service providing store, confirms the product purchase request of the client (700), the payment terminal 105 performs a payment using a smart card (or IC card) of the client (705). The payment terminal 105 receives a request for payment history information for the payment from the client (710), generates payment history information, and transmits it to the smart card (or IC card) 600 of the client ( 715).

The smart card (or IC card) 600 receives payment history information from the payment terminal 105 to store in the memory area of the smart card (or IC card) 600 (720).

In order to obtain redeemed incentives for payment details stored in the smart card (or IC card) 600, the smart card (or IC card) 600 is connected to the payment history repayment server 110 on the wired network. In operation 725, the payment history information stored in the smart card (or IC card) 600 is transmitted to the payment history repayment server 110 (730).

The client requests the payment history repayment server 110 for the incentive payment corresponding to the payment history information (735), and the payment history repayment server 110 works with the incentive policy database 120 to the payment history. To the corresponding incentive. When the incentive repayment process is completed, the payment history repayment server requests the acquisition means for the incentive repaid to the client having the smart card (or IC card) 600 (740), the smart card (or IC card) ( In step 745, an incentive acquiring means (a smart card (or an IC card) or a payment history repayment server, etc.) is received from the client, and the incentive repaid to the corresponding incentive acquiring means is provided.

The incentive acquiring means may allow the client to store the smart card (or IC card) 600 or the payment history repayment server 110 or the like appropriately.

8 is a simple conceptual diagram of a process of transmitting payment details information to a smart card (or IC card) 100 from a payment terminal.

When a client visiting a product or service providing store purchases a product or uses a service and requests a payment for the payment by a smart card (or IC card) possessed by the client (1), payment in the product or service providing store The terminal 105 uses the smart card (or IC card) 600 to make a payment for the product purchase and notify the client (2). The client requests the payment history information for the payment from the payment terminal 105 (3), and the payment terminal 105 receives the payment history information to generate the payment history information of the client. Payment information is transmitted to the (4).

The smart card (or IC card) 600 that has received payment history information from the payment terminal 105 stores the payment history information in a memory area of the smart card (or IC card) 600, and the payment terminal ( In step 105, a response to the payment history information is received (5), and the payment terminal 105 confirms the payment history information reception response of the smart card (or IC card) 600 (6). The payment history information refers to a kind of electronically issued receipt data, which is subsequently transmitted to the payment history repayment server 110 to be repaid with an incentive corresponding to the payment history.

9 is a simple conceptual diagram for data exchange between the smart card (or IC card) 600 and the payment history repayment server 110 on a wired network.

In the drawing, the smart card (or IC card) 600 includes payment history information in the memory area of the smart card (or IC card) 600 through the process of FIG. 8 and the payment history information. The process of obtaining an incentive corresponding to the payment history by accessing the payment history repayment server 110 on the wired network in order to repay the incentive is described.

In addition, although not shown in the figure, the smart card (or IC card) communicates with the payment history repayment server through a wired network using a terminal (client PC, kiosk, etc.) including a smart card (or IC card) reader. .

In addition, the smart card (or IC card) 600 is sent to the payment history repayment server 110 for incentive redemption, the payment history (stored in the memory area or IC chip in the smart card (or IC card)) The transmission of the information stores payment history information on various transactions that may occur between the smart card (or IC card) 600 and the product or service providing store payment terminal 105, and also transmits them in a batch. Include.

A smart card (or IC card) 600 that receives and stores payment history information about a product purchase from a payment terminal 105 of a corresponding product or service providing store is connected to a payment history repayment server 110 on a wired network. When requesting (1), the payment history repayment server 110 in response to the connection request of the smart card (or IC card) 600, and determines whether to allow the connection (2).

If the connection is permitted, the smart card (or IC card) 600 is used to pay the billing history information stored in the memory area in the smart card (or IC card) 600 for incentive payment of the payment history. It is transmitted to the repayment server 110 (3), the payment history repayment server 110 receiving the payment history information is to perform a response to the payment history information received (4).

The payment history repayment server 110 receives an incentive repayment request for payment details from the smart card (or IC card) 600 (5), and performs an incentive repayment process with reference to the incentive policy database 120. And transmits the incentive repayment details to the smart card (or IC card) 600 (6).

In addition, the payment history repayment server 110 is notified of the storage means that will store the incentives redeemed from the smart card (or IC card) possession client (7), carrying the smart card (or IC card) 600 The incentive is stored in the storage means requested by the client, and the incentive storage is transmitted to the client (8).

FIG. 10 is a diagram illustrating a simple data model of payment history information generated from a payment terminal of a product or service providing store and provided to and stored in a client wireless terminal or a smart card.

The drawings are made from a payment terminal (POS or CAT, etc.) of the product or service providing store when the client who visits the product or service providing store makes a purchase according to the present invention. A diagram of payment history information provided to the wireless terminal through the smart card (or IC card) through the smart card (or IC card) interface, and a bill number (Bill No.) in the payment history information. , Purchase serial number, terminal type, payment method, transaction type, payment method number, expiration date, transaction date and time, product or service providing store number, amount information, approval number, terminal ID, purchaser, product name, store providing goods or services Representative, the name of the store providing the goods or services, the business registration number of the store providing the goods or services, the address of the store providing the goods or services, Transaction unique number, subscriber certification (signature) can be included.

FIG. 11 is a diagram illustrating a simple data model for incentive information stored in an incentive database in a payment history repayment server.

The incentive database includes incentive information for a plurality of clients requesting incentive payment for the payment details to the payment history repayment server, and basically, a user ID, a corresponding payment history, a total payment amount (incentive payment amount), Incentive repayment means, incentive acquisition means and the like can be included. The payment history includes the data of FIG. 10, and the total payment amount refers to an amount to which incentive repayment is applied according to one or more payment details, and the incentive repayment means uses any means (mileage, Points, cash, etc.), and the incentive acquiring means indicates information on whether the redeemed incentive is to be stored in a wireless terminal or a smart card (or IC card) or stored in a server.

12 is a diagram illustrating a simple data model for an incentive policy database in a payment history repayment server.

According to the present invention, an incentive policy means a policy for an incentive redemption rate determined for each product or service providing store or for a specific product or service. In this drawing, an example having an incentive policy different for each product or service providing store is given. However, the present invention is not limited thereto, and modifications may be made by those skilled in the art without departing from the scope of the present invention.

According to the present invention, when a transaction occurs due to a product purchase or service use in a product or service providing store, the payment history information according to the transaction is received and stored in the wireless terminal or a smart card, and the wireless terminal or smart card By connecting to the payment history repayment server on the wireless or wired network through the transmission of the received payment history information, by providing the incentive corresponding to the payment history information through the payment history information processing server, the user There is an advantage that the payment history can be more conveniently confirmed and stored through the terminal or the smart card, and there is an advantage that the incentive corresponding to the payment history can be obtained.

In addition, the merchant has the advantage that it is possible to conveniently implement a discount policy, such as mileage or coupons, without installing a separate program, or without continuous updates to new discounted items.

Claims (25)

Mileage through wired / wireless payment history information including a wireless terminal (or IC chip based wireless terminal) of a client, a payment terminal of a store where a product or service is provided, and a payment history repayment server that provides mileage (or incentive) according to the payment history ( Or incentive) treatment method, When a client visiting a product or service providing store purchases a product (or uses a service), the payment history information according to the transaction activity from the payment terminal of the product or service providing store to the wireless terminal (or IC chip based wireless terminal) of the client. Transmitting (including receipts); Storing payment history information transmitted to the wireless terminal (or an IC chip based wireless terminal) in the wireless terminal memory area or an IC chip; Transmitting payment history information (including a receipt) stored in the memory area or IC chip from the wireless terminal (or IC chip based wireless terminal) to the payment history repayment server; Receiving mileage information (or incentive) corresponding to the payment history by receiving payment history information provided from the wireless terminal (or an IC chip based wireless terminal) from the payment history repayment server; And Storing and managing the generated mileage (or incentive) from the payment history repayment server in association with the client; mileage (or incentive) processing method through the transmission of wired / wireless payment history information. The method of claim 1, When a client visiting a product or service providing store purchases a product (or uses a service), the payment terminal of the product or service providing store from the wireless terminal (or an IC chip based wireless terminal) including subscriber authentication information and financial settlement information. Mileage (or incentive) processing method through the wired and wireless payment history information, characterized in that further comprising the step of processing the payment. The method of claim 1, Sending the mileage (or incentive) stored and managed in association with the client from the payment history repayment server to the client mileage (or incentive) processing through the transmission of wired and wireless payment history information Way. The method of claim 1, Receiving payment history information provided by the wireless terminal (or IC chip based wireless terminal) from the payment history repayment server to generate a mileage (or incentive) corresponding to the payment history, In order to prevent manipulation and / or forgery or tampering with payment history information provided from the wireless terminal (or an IC chip based wireless terminal), an inquiry about the payment history information is performed to a payment confirmation server, thereby validating the payment history information. Mileage (or incentive) processing method through the wired and wireless payment history information, characterized in that further comprising the step of verifying. The method of claim 1, wherein the payment history information, Method for processing mileage (or incentive) through the transmission of wired / wireless payment history information, including receipt data in electronic form including details of transactions and payments arising from the purchase of goods or the use of the corresponding service. The method of claim 1 or 5, wherein the payment history information, Document number (Bill No.), purchase serial number, terminal type, payment method, transaction type, payment method number, expiration date, transaction date and time, product or service store number, amount information, authorization number, terminal ID, document purchase company, Item name, product or service representative, product or service providing store name, product or service providing store business registration number, product or service providing store address, transaction unique number, subscriber authentication (signature) Mileage (or incentive) processing method through the transmission of wired and wireless payment history information. The method of claim 1, When a client who visits the product or service providing store purchases a product (or uses a service), the payment history according to the transaction activity from the payment terminal of the product or service providing store to the wireless terminal (or IC chip based wireless terminal) of the client. Transmitting information (including receipts), When transmitting payment history information (including receipts) data according to the transaction from the payment terminal of the product or service providing store to the wireless terminal (or IC chip based wireless terminal) of the client, the data transmission method is a data infrared method, Mileage (or incentive) processing method through the transmission of wired and wireless payment history information comprising at least one of RF (Radio Frequency), Bluetooth. When a client visiting a product or service providing store purchases a product (or uses a service), the product transmitting payment details (including a receipt) according to the transaction to the client's wireless terminal (or an IC chip based wireless terminal) or A payment terminal of a service providing store; After receiving payment history information transmitted from the payment terminal of the product or service providing store, the wireless terminal (or IC chip based) transmits the payment history information to a payment history repayment server providing mileage (or incentive) using a wireless communication network. Wireless terminal); And Receiving payment history information provided from the wireless terminal (or IC chip based wireless terminal) to generate mileage (or incentive) corresponding to the payment history, and stores the generated mileage (or incentive) in association with the client, Mileage (or incentive) processing system through the wired and wireless payment history information transmission characterized in that it comprises a; payment history repayment server to manage. The method of claim 8, In order to prevent manipulation, and / or forgery, or tampering with payment history information provided by the wireless terminal (or an IC chip based wireless terminal), a payment for verifying the validity of the payment history information by performing an inquiry on the payment history information. Mileage (or incentive) processing system through the wired and wireless payment history information, characterized in that further comprising a verification server. The method of claim 8, wherein the payment terminal, Mileage (or incentive) processing system through the transmission of wired and wireless payment history information, characterized in that it comprises a point of sales (POS) or CAT (Credit Authorization Terminal) in the store providing goods or services. The method of claim 8, wherein the payment terminal, At least one of an infrared method, a radio frequency (RF) method, and a Bluetooth method as a data transmission means for transmitting payment history information (including a receipt) data according to the transaction to the wireless terminal (or IC chip based wireless terminal) of the client. Mileage (or incentive) processing system through the wired and wireless payment history information characterized in that it comprises a communication module using the above method. The wireless terminal of claim 8, wherein the client wireless terminal (or IC chip based wireless terminal) comprises: As a data receiving means for receiving payment history information (including receipt) data according to the transaction from the payment terminal is provided with a communication module using at least one of the infrared method, RF (Radio Frequency) method, Bluetooth method Mileage (or incentive) processing system through the wired and wireless payment history information characterized in that. The method of claim 8, wherein the payment history repayment server, A database storing the payment history information data transmitted from the wireless terminal (or IC chip based wireless terminal) of the client in association with the client information data and the mileage (or incentive) information data reimbursed according to the transmitted payment history information. Mileage (or incentive) processing system through the wired and wireless payment history information characterized in that it further comprises. The method of claim 13, wherein the database, Mileage (or incentive) processing system through the transmission of wired and wireless payment history information, characterized in that for storing at least one user ID, the corresponding payment history, payment total amount (incentive payment amount), incentive repayment means, incentive acquisition means. It is possible to make a financial settlement, and a client-owned smart card (or IC card) having a predetermined data storage space, a payment terminal of a product or service providing store, and a payment history repayment server that provides mileage (or incentive) according to the payment history. In the mileage (or incentives) processing method through the transmission of wired and wireless payment history information, When a client visiting a product or service providing store purchases a product (or uses a service), the payment history information (including a receipt) from the payment terminal of the product or service providing store to the smart card (or IC card) of the client according to the transaction activity Providing; Storing payment history information provided to the smart card (or IC card) in the smart card (or IC card) memory area or IC chip; Providing payment history information (including a receipt) stored in the smart card (or IC card) memory area or IC chip from the client to the payment history repayment server; Receiving payment history information provided from the smart card (or IC card) from the payment history repayment server and generating mileage (or incentive) corresponding to the payment history; And Storing and managing the generated mileage (or incentive) from the payment history repayment server in association with the client; mileage (or incentive) processing method through the transmission of wired / wireless payment history information. The method of claim 15, When a client visiting a product or service providing store purchases a product (or uses a service), payment is processed from the smart card (or IC card) including subscriber authentication information and financial settlement information to a payment terminal of the product or service providing store. Mileage (or incentive) processing method through the wired and wireless payment history information characterized in that it further comprises the step of. The method of claim 15, Sending the mileage (or incentive) stored and managed in association with the client from the payment history repayment server to the client mileage (or incentive) processing through the transmission of wired and wireless payment history information Way. The method of claim 15, Receiving payment history information provided by the smart card (or IC card) from the payment history repayment server to generate a mileage (or incentive) corresponding to the payment history, In order to prevent manipulation and / or forgery or tampering with payment details information provided from the smart card (or IC card), the payment confirmation server is inquired about the payment details information to verify the validity of the payment details information. Mileage (or incentive) processing method through the wired and wireless payment history information characterized in that it further comprises a step. The method of claim 15, wherein the payment history information, Method for processing mileage (or incentive) through the transmission of wired and wireless payment history information, including receipt data in electronic form including details of transactions and payments arising from the purchase of goods or the use of the service. The method of claim 15 or 19, wherein the payment history information, Document number (Bill No.), purchase serial number, terminal type, payment method, transaction type, payment method number, expiration date, transaction date and time, product or service store number, amount information, authorization number, terminal ID, document purchase company, Item name, product or service representative, product or service providing store name, product or service providing store business registration number, product or service providing store address, transaction unique number, subscriber authentication (signature) Mileage (or incentive) processing method through the transmission of wired and wireless payment history information. When a client visiting a product or service providing store purchases a product (or uses a service), the product or service providing store providing payment history information (including a receipt) according to the transaction with the smart card (or IC card) of the client. Payment terminal; A smart card (or IC) for storing payment history information provided from a payment terminal of the product or service providing store in a memory area and then providing the payment history information to a payment history repayment server providing mileage (or incentive) using a wired communication network. Card) (or client terminal for smart card (or IC card)); And Receiving payment history information provided from the smart card (or IC card) to generate mileage (or incentive) corresponding to the payment history, and to store and manage the generated mileage (or incentive) in association with the client Mileage (or incentive) processing system through the wired and wireless payment history information characterized in that comprises a history repayment server. The method of claim 21, In order to prevent the manipulation and / or forgery, or tampering with the payment history information provided from the smart card (or IC card), the payment confirmation server for verifying the validity of the payment history information by performing an inquiry on the payment history information; Mileage (or incentive) processing system through the wired and wireless payment history information characterized in that it further comprises. The method of claim 21, wherein the payment terminal, Mileage (or incentive) processing system through the transmission of wired and wireless payment history information, characterized in that it comprises a point of sales (POS) or CAT (Credit Authorization Terminal) in the store providing goods or services. The method of claim 7, wherein the payment history repayment server, And a database storing the payment history information data provided from the smart card (or IC card) of the client in association with the client information data and the mileage (or incentive) information data reimbursed according to the transmitted payment history information. Mileage (or incentive) processing system through the wired and wireless payment history information, characterized in that made. The method of claim 24, wherein the database, Mileage (or incentive) processing system through the transmission of wired and wireless payment history information, characterized in that for storing at least one user ID, the corresponding payment history, payment total amount (incentive payment amount), incentive repayment means, incentive acquisition means.