KR20040062121A - System and Method for Providing Individual Incentives by an Affiliated Store by Using Card(or Credit Card) - Google Patents

Abstract

PURPOSE: A method and a system for offering an individual incentive to each member using a card are provided to make a member shop confirm the customer information of a client settling price with the card by linking with a server and offer the individual incentive of the member shop to the client as the member shop selects/registers the client information offered from the server. CONSTITUTION: A database(120) stores the customer information selected from the member shop by linking with the member shop information. The server(100) on wire/wireless communication network extracts the customer information matched with the member shop information stored in the database based on the member shop information and/or the card information requesting the settlement approval. A member shop terminal(130) gives the customer(135) the individual incentive by receiving the customer information from the server.

Description

System and Method for Providing Individual Incentives by an Affiliated Store by Using Card (or Credit Card)}

The present invention selects the desired customer information (list) by referring to the individual merchants (list) provided (presented) by the (card company) server on the wired / wireless communication network, and the client pays the card (or credit card) at the merchant. In this case, the personal information of the payment client is confirmed according to the registered personal information (list) in association with the server, and accordingly, the affiliated store provides individual incentives to the client.

In the past, the issuance of cards (or credit cards) that have been performed offline has been rapidly spreading, and various kinds of cards (or credit cards) can be issued online.

In addition, as the Internet has an absolute effect on the promotion or sale of media, many card operators have provided more diverse services (discounts, reservations, coupons, miles, etc.) using cards (or credit cards).

As an example of the above service, a card (or credit card) that forms an alliance with a variety of online and offline companies, and provides various incentives for the promotion of the company as well as the use of products or services related to the company. Issued.

However, incentives (mileage, points, etc.) provided by the use history of the card (or credit card) are managed and operated by the card company that issued the card (or credit card). Or credit card) merchants (especially offline merchants or small merchants) using a card (or credit card) is a problem that it is not easy to provide individual incentives of the merchant itself rather than the card company incentives for self-promotion and marketing. It was.

An object of the present invention to solve the above problems is that the individual merchant to select and register the customer information (list) presented by the server on the wired and wireless communication network, the client paying by using the card (or credit card) at the merchant The present invention provides a method and a system for providing individual incentives for each affiliate store using a card (or credit card) for confirming customer information of the affiliated server in association with the server and granting the client individual incentives according to the verification result.

1 is a simplified block diagram showing a preferred embodiment of the present invention.

2 is a simple flowchart of the overall process implemented in the present invention.

3 is a simple conceptual diagram of the present invention.

4 is a simplified embodiment diagram of an implementation of the invention.

5 is a simple flowchart of the overall process of implementing the present invention, according to the embodiment of FIG.

<Description of main parts of drawing>

100: server 105: register

110: extraction unit 115: confirmation unit

120: database (1) 125: database (2)

130: Merchant 135: Client

The present invention relates to a method and system for providing individual incentives for each merchant using a card (or credit card), and presents or provides a list of customer information to merchants providing goods or services in a (card company) server located on a wired / wireless communication network. And selecting or checking desired customer information with reference to the customer information list at a merchant or a product or service providing merchant, and matching the affiliated store information with the selected or checked customer information in the server to a predetermined database. And storing the merchant information previously stored in the predetermined database based on the payment approval request merchant information and / or card information at the server when the customer pays a card (or credit card) according to the provision of goods or services at the merchant. Extracting customer information matched with the at the server; And notifying the extracted customer information to the affiliated store and granting individual incentives to the customer at the affiliated store that has received the customer information.

In addition, the granting of the individual incentives may further include storing the granted incentive details in the affiliated store terminal or a separate authentication server, and providing the incentive details to the client. In addition, the incentive details can be stored in association with the client's card (or credit card) information.

According to the present invention, the customer information (list) that the (card company) server presents to the individual affiliated stores, and the affiliated store selects and registers in the server includes all other personal information such as a birthday, a wedding anniversary, etc. of the client.

In addition, the card (or credit card) includes all of the IC chip or memory area mounted in the wireless (portable) terminal including the smart card, IC card, magnetic stripe (MS) card and credit card information.

The incentive policy of the affiliated store is an example of the present invention. An individual affiliated store plans its own event based on customer information (birthday or wedding anniversary), and the affiliated store through the card (or credit card) on the corresponding date. In order to check the customer information of the client to pay in order to provide incentives to the corresponding client, according to the present invention, the merchant selects the customer information presented or provided by the server in advance (before the event) You must register with the server.

In addition, the incentive given to the client in the affiliated store means an individual incentive provided by the affiliated store itself regardless of the (card company) server, and includes points (or mileage), a coupon, and the like.

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.

1 is a simplified block diagram showing a preferred embodiment of the present invention.

For the configuration of a preferred embodiment of the present invention, this figure is shown to be divided into a server 100, an on-offline merchant 130 and a client 135 on a wired or wireless communication network.

The server 100 is located on a wired or wireless communication network, is connected to the affiliated store 130 and a payment processing network, and serves to present (provide) customer information (list) to be used by the affiliated store 130. In addition, the affiliate store 130 receives the selected customer information and serves to store the matched information with the affiliate store 130. In addition, when a payment request using a card (or credit card) is received from the affiliated store 130, the affiliated store 130 extracts and checks the customer information (list) selected and registered and confirms the affiliated store 130 (or authentication). Server) and sends the confirmed customer information along with card (or credit card) authorization.

It will be reasonable for the server 100 on the present invention to be located inside or outside the card company in conjunction with the card company for proper implementation of the present invention.

In addition, according to the present invention, the server 100 comprises a register, an extracting unit, a confirming unit, and a predetermined database for implementing the invention more clearly.

The registration unit of the server 100 receives the request for the client 135 personal information (list) to be used by the affiliated store 130 connected through the wired / wireless communication network, and registers and stores the request in the database.

In addition, the registration unit to match the customer information (list) registered in the server 100 by selecting or checking the corresponding merchant 130 information (the merchant 130 ID, code, etc.) and selected or stored in the database. By doing so, it is easy to check the customer information (list) for each affiliate store 130 according to the payment request later.

The extracting unit in the server 100 grasps the affiliate store 130 information and the card information according to the card (or credit card) payment request of the client 135 coming from the affiliate store 130, and the affiliate store 130 is determined. It is responsible for extracting selected customer information (list).

The verification unit in the server 100 checks the customer information (list) selected and checked by the affiliated store 130 extracted through the extraction unit and the customer information of the payment client 135.

In this figure, the merchant 130 provides at least one product or service, and serves to select (or check) and register customer information (list) provided or presented by the server 100 to achieve the present invention. When the client 135 performs a card (or credit card) payment at the affiliated store 130, the client 135 provides an appropriate incentive to the client 135 based on the registered customer information (list).

In addition, according to the present invention, the incentive provided to the client 135 from the affiliated store 130 may be provided in various forms such as points, miles, coupons, etc. The incentive reveals that it is an individual incentive according to the affiliated store 130.

In addition, the affiliated store 130 is provided with at least one card (or credit card) payment terminal (not shown in the figure), the payment terminal is connected to a communication network (VAN, etc.) to the server 100 Send and receive information according to the present invention.

In addition, the payment terminal in the affiliated store 130 obtains card (or credit card) information from the client 135 through various means. The means may be implemented in various forms such as MS (Magnetic Stripe) card type, IC card type, RF (Radio Frequency) type using a wireless (portable) terminal, infrared type, Bluetooth type, etc. It is.

The client 135 is provided with goods or services through the merchant 130, and pays for it with a card (or credit card), according to the present invention incentives by the customer information from the merchant 130 Acquire.

As an example to help understand the present invention, the merchant 130 decides to give incentives such as points or coupons on the birthday of the visited customer, and the merchant 130 is provided by the card company in the customer information (list) that can be presented or provided. Check your birthday information. When the customer who visited the affiliated store 130 performs the payment for the provision of goods or services with the card, the card company checks the affiliated store 130 information and the card information and according to the contents checked by the affiliated store 130. , Confirming the customer information (date of birth, etc.) paying by the card, and notifying the confirmed customer information to the affiliated store 130, the affiliated store 130 according to the notification details, the point according to the birthday to the customer ( Or coupons).

2 is a simple flowchart of the overall process implemented in the present invention.

In order to achieve the present invention, when the merchant 130 connects to the server 100 through a wired or wireless communication network (200), the server 100 may present or provide customer information (list) available to the merchant 130. The merchant 130 checks and registers the presented customer information (list) (205).

The server 100 checks and registers personal information (list) to be used by the affiliate store 130 according to the request of the affiliate store 130 and stores it in a predetermined database (215).

When the client 135 executes payment for the provision of goods or services in the affiliated store 130 using a card (or a credit card) (220), the server 100 performs the payment through the affiliated store 130 terminal. Client 135 acquires card (or credit card) information (225), and the server (100) checks the merchant (130) that transmitted card (or credit card) information of the client 135 for the payment. Then, it is determined whether the customer information (list) of the client 135 to be used is a registered merchant 130.

If it is determined that the affiliate store 130 is the affiliate store 130 that registered the personal information (list) of the client 135 to use (230), the server 100 the merchant approval request affiliate store 130 information And (or) the affiliate store 130 extracts matched customer information (list) from the database by referring to the card information (235).

However, if the affiliated store 130 is an affiliated store 130 that has not registered for the use of customer information (list) (240), a general card (or credit card) processing approval is allowed (245).

When the customer information (list) registered by the affiliate store 130 is extracted from the database, the server 100 checks card (or credit card) information of the client 135 transmitted from the affiliate store 130 terminal, and the customer Information 250 is notified to the affiliated store 130 with the card (or credit card) approval details.

The merchant 130 receives a card (or credit card) approval history and customer information of the payment client 135 from the server 100 and provides the client 135 according to an incentive policy of the merchant 130. Possible individual incentives are identified (255).

The affiliated store 130 grants the identified individual incentive to the client 135 and notifies the client 135 of the incentive grant details (260). The notification of the individual incentive grant details can be outputted so that the client 135 can check the related information, or can be outputted along with the card approval details.

The affiliate store 130 stores the individual incentive details granted to the client 135 in the affiliate store 130 terminal (or a separate authentication server) (265).

3 is a simple conceptual diagram of the present invention.

FIG. 2 is a diagram illustrating the role of each component in the process of making the present invention through the process shown in FIG. 2, and in accordance with the present invention, the affiliate store 130 may have a client 135. The incentive provided to each means an individual incentive provided by each individual merchant 130.

In addition, although not shown in the figure, a payment relay processing server may be included between the affiliated store 130 and the server 100, and may also include an authentication server for processing individual incentives provided by the affiliated store 130. Do.

According to the present invention, the server 100 presents or provides a list of customer information to the affiliated store 130, and the affiliated store 130 refers to the desired customer information by referring to the customer information (list) presented by the server 100. Select to register. The server 100 matches customer information (list) selected by the affiliate store 130 with the affiliate store 130 information and stores it in a database.

When the client 135 visiting the affiliated store 130 pays for a card (or credit card), the affiliated store 130 obtains the card approval details and the customer information from the server 100.

Hereinafter, the embodiment described below is in the step of verifying the validity of the customer information provided from the client 135, when the client 135 at the merchant 130 in the payment using a card (or credit card), By adding an authentication server between the server 100 and the merchant 130 to implement the present invention, it is made through the following process.

Presenting or providing a list of customer information to a product or service providing merchant 130 at a (card company) server 100 located on a wired / wireless communication network, and providing the customer information list at a product or service providing merchant 130 Selecting or checking desired customer information with reference, providing the affiliated store 130 information and the selected customer information selected or checked by the affiliated store 130 to an authentication server in the server 100, and the authentication server In step of matching the merchant information and the customer information selected or checked by the merchant 130 and storing in a predetermined database, the customer according to the card (or credit according to the provision of goods or services in the merchant 130) Card) at the time of payment, the merchant 130 previously stored in the predetermined database on the basis of the payment approval request merchant 130 information and / or card information in the authentication server Extracting the customer information matched with the beam; notifying the affiliated store 130 of the extracted customer information at the authentication server; and granting individual incentives to the customer at the affiliated store 130 that has received the customer information. It comprises a step.

Registering and storing the customer information (list) of the client 135 to be used from the affiliated store 130 that provides at least one product or service in a predetermined database by the server 100 on the wired / wireless communication network, and the affiliated store ( In step 130, the client 135 performs a payment for the provision of goods or services by using a card (or a credit card), and the merchant 130 in which the server 100 makes a request for approval of the payment. And checking whether the registered customer information (list) is the registered merchant 130, extracting the used customer information (list) registered by the affiliated store 130, and using the card (or credit card) client 135 Confirming the customer information, and notifying the authentication information of the customer information confirmation result to the authentication server, and the authentication server is an insen of the individual affiliated store 130 provided. In the policy policy database, extracting and confirming the incentive policy of the affiliate store 130, granting incentives based on the incentive policy, and provides the incentive grant details to the affiliated store 130 along with the card approval details; Steps.

4 is a simple embodiment of an implementation of the invention.

This figure is an exemplary view that includes an authentication server for processing individual incentives for each affiliate store 130 in the middle of the server 100 and the affiliate store 130, in order to implement the present invention, the authentication server is a corresponding merchant 130 Incentive policies are already stored.

The authentication server is connected to the server 100 and the affiliated store 130 through a communication network, and receives the customer information (list) of the client 135 registered by the affiliated store 130 from the server 100, It stores in the database, and also serves to authenticate the customer information at the time of payment of the client 135.

In addition, the authentication server is provided with a database in which the incentive policy of the respective affiliated store 130 is stored.

5 is a simple flowchart of the overall process of implementing the present invention, according to the embodiment of FIG.

In order to achieve the present invention, when the merchant 130 connects to the server 100 through a wired or wireless communication network (500), the server 100 may present or provide customer information (list) available to the merchant 130. In step 505, the affiliated store 130 checks and registers the presented customer information (list) (510).

The server 100 provides the customer information checked or selected by the affiliate store 130 to the authentication server (515), and the authentication server provides the affiliate store 130 information and the affiliate store 130 provided by the server 100. The checked customer information is stored in a database (520).

When the client 135 pays for the provision of goods or services at the affiliate store 130 using a card (or a credit card) (525), the server 100 performs a payment according to the payment through the affiliate store 130 terminal. The client 135 acquires card (or credit card) information (530), and the authentication server checks an affiliate store 130 that transmits the card (or credit card) information of the client 135 for the payment. It is determined whether the customer information (list) of the client 135 to be used is a registered merchant 130.

If it is determined that the affiliate store 130 is the affiliate store 130 that registered the personal information (list) of the client 135 to use (535), the authentication server is the payment approval request affiliate store 130 information and ( Alternatively, the affiliated store 130 extracts matched customer information (list) from a database by referring to card information (540).

However, if the affiliated store 130 is an affiliated store 130 that has not registered for use of customer information (list) (545), the general card (or credit card) approval process proceeds.

When the customer information (list) registered by the affiliate store 130 is extracted from the database, the authentication server checks the card (or credit card) information of the client 135 transmitted from the affiliate store 130, and stores the customer information. The affiliated store 130 is notified with the card (or credit card) approval details (550).

The merchant 130 receives a card (or credit card) approval history and customer information of the payment client 135 from the authentication server, and provides the individual to the client 135 according to an incentive policy of the merchant 130. Incentives are identified (555).

The affiliated store 130 grants the identified individual incentive to the client 135 and notifies the client 135 of the incentive grant details (560). The notification of the individual incentive grant details can be outputted so that the client 135 can check the related information, or can be outputted along with the card approval details.

The affiliated store 130 stores the individual incentive details granted to the client 135 in the affiliated store 130 terminal or authentication server (565).

In this figure, it is described that the incentive is granted by the affiliated store 130, but the incentive is given to the authentication server to specify that the incentive grant policy of the affiliated store 130 may be granted.

According to the present invention, individual merchants register customer information (list) to use on a server on a wired or wireless communication network, and check the customer information of a client who pays using a card (or credit card) at the affiliated store in association with the server. By providing a method and system for providing individual incentives for each merchant using a card (or a credit card) for granting the individual incentives of the merchant to the client according to a verification result, the merchant firstly provides a new card (or credit card). There is an advantage that the individual incentives can be provided to the client using an existing card (or credit card) without issuance.

Second, there is an advantage that the individual incentives can be used for marketing and promotion differentiated from other merchants.

Card operators have the advantage that they can generate new revenue from multiple merchants who want to use their client-specific personal information.

Claims (38)

Presenting or providing a list of customer information to a product or service providing merchant at a (card company) server located on a wired / wireless communication network; Selecting or checking desired customer information with reference to the customer information list at a merchant or a product providing service provider; Storing, at the server, the affiliated store information and the customer information selected or checked by the affiliated store in a predetermined database; When the customer pays a card (or credit card) according to the provision of goods or services at the affiliated store, the customer information matched with the merchant information previously stored in the predetermined database based on the payment approval request merchant information and / or card information at the server. Extracting; Notifying the affiliated store of the extracted customer information at the server; And Granting individual incentives to the customer in the merchant receiving the customer information; Individual incentives for each merchant using a card (or credit card) comprising a. The method of claim 1, wherein granting individual incentives comprises: Method of providing individual incentives for each merchant using a card (or credit card), characterized in that further comprising the step of storing the given incentive details in the merchant terminal or a separate authentication server. The method of claim 1, wherein granting individual incentives comprises: The method of providing individual incentives for each merchant using a card (or credit card), characterized by further comprising providing the incentive details to the customer. The method of claim 1, wherein granting individual incentives comprises: And processing the incentive details in association with the customer's card (or credit card) information and storing the incentive details for each merchant using a card (or credit card). The method of claim 1, wherein the customer information (list), Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it includes all personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 1, wherein the card (or credit card), Using a card (or credit card), characterized in that it comprises at least one IC chip or memory area mounted on a wireless (mobile) terminal including a smart card, IC card, magnetic strip (MS) card, credit card information How to provide individual incentives by merchant. The method of claim 1, wherein the customer information provided to the affiliated store in the server, Providing individual incentives for each merchant using a card (or credit card), wherein the merchant (or credit card) uses information indicating whether to provide an incentive such as providing points (or miles) or providing a coupon to a customer using the card (or credit card). Way. The method of claim 1, wherein the incentive is Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it comprises an incentive provided on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant. The method of claim 1, wherein the incentive is Individual incentive providing method for each merchant using a card (or credit card), characterized in that the individual incentive provided by the merchant itself. The method of claim 1, wherein the incentive is Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it comprises at least one or more points, miles, or coupons. Presenting or providing a list of customer information to a product or service providing merchant at a (card company) server located on a wired / wireless communication network; Selecting or checking desired customer information with reference to the customer information list at a merchant or a product providing service provider; Providing, by the server, the affiliated store information and the customer information selected or checked by the affiliated store to an authentication server; Matching the affiliated store information and the customer information selected or checked by the affiliated store in the authentication server and storing the matched store information in a predetermined database; When the customer pays a card (or credit card) according to the provision of goods or services at the affiliated store, the customer matches the merchant information previously stored in the predetermined database based on the payment approval request merchant information and / or card information in the authentication server. Extracting information; Notifying the affiliated store of the extracted customer information in the authentication server; And Granting individual incentives to the customer in the merchant receiving the customer information; Individual incentives for each merchant using a card (or credit card) comprising a. The method of claim 11, wherein the providing of the affiliated store information and the customer information selected or checked by the affiliated store to the authentication server in the server comprises: And matching the merchant information and the customer information selected or checked by the affiliate store in the server and storing the matched customer information in a predetermined database. The method of claim 11, wherein granting individual incentives comprises Method of providing individual incentives for each merchant using a card (or credit card), characterized in that further comprising the step of storing the given incentive details in the merchant terminal, or the authentication server. The method of claim 11, wherein granting individual incentives comprises The method of providing individual incentives for each merchant using a card (or credit card), characterized by further comprising providing the incentive details to the customer. The method of claim 11, wherein granting individual incentives comprises And processing the incentive details in association with the customer's card (or credit card) information and storing the incentive details for each merchant using a card (or credit card). The method of claim 11, wherein the customer information (list), Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it includes all personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 11, wherein the card (or credit card), Using a card (or credit card), characterized in that it comprises at least one IC chip or memory area mounted on a wireless (mobile) terminal including a smart card, IC card, magnetic strip (MS) card, credit card information How to Offer Individual Incentives by Merchant. The method of claim 11, wherein the customer information provided to the merchant in the authentication server, Providing individual incentives for each merchant using a card (or credit card), wherein the merchant (or credit card) uses information indicating whether to provide an incentive such as providing points (or miles) or providing a coupon to a customer using the card (or credit card). Way. The method of claim 11, wherein the incentive is Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it comprises an incentive provided on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant. The method of claim 11, wherein the incentive is Individual incentive providing method for each merchant using a card (or credit card), characterized in that the individual incentive provided by the merchant itself. The method of claim 11, wherein the incentive is Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it comprises at least one or more points, miles, or coupons. Presenting or providing a list of customer information to a product or service providing merchant at a (card company) server located on a wired / wireless communication network; Selecting or checking desired customer information with reference to the customer information list at a merchant or a product providing service provider; Providing, by the server, the affiliated store information and the customer information selected or checked by the affiliated store to an authentication server; Matching the affiliated store information and the customer information selected or checked by the affiliated store in the authentication server and storing the matched store information in a predetermined database; When the customer pays a card (or credit card) according to the provision of goods or services at the affiliated store, the customer matches the merchant information previously stored in the predetermined database based on the payment approval request merchant information and / or card information in the authentication server. Extracting information; Granting individual incentives to the customer based on the extracted customer information in the authentication server; And Providing the given incentive details in the authentication server to the affiliated shop or the customer; Individual incentive providing method for each merchant using a card (or credit card) comprising a. The method of claim 22, wherein granting the individual incentives comprises And processing the incentive details in association with the customer's card (or credit card) information and storing the incentive details for each merchant using a card (or credit card). The method of claim 22, wherein the customer information (list), Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it includes all personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 22, wherein the card (or credit card), Using a card (or credit card), characterized in that it comprises at least one IC chip or memory area mounted on a wireless (mobile) terminal including a smart card, IC card, magnetic strip (MS) card, credit card information How to provide individual incentives by merchant. The method of claim 22, wherein the incentive is Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it comprises an incentive provided on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant. The method of claim 22, wherein the incentive is Individual incentive providing method for each merchant using a card (or credit card), characterized in that the individual incentive provided by the merchant itself. The method of claim 22, wherein the incentive is Method for providing individual incentives for each merchant using a card (or credit card), characterized in that it comprises at least one or more points, miles, or coupons. A predetermined database configured to store customer (personal) information (list) selected or checked by a merchant or a product or service provider in correspondence with the merchant information; When requesting payment approval of a card (or credit card) according to the provision of goods or services at the affiliated store, extracting customer information matched with merchant information previously stored in the predetermined database based on the payment approval request merchant information and / or card information A server on a wired / wireless communication network provided to the affiliated store; And Merchant store terminal for receiving customer information from the server and granting individual incentives to the customer; Individual incentive providing system for each merchant using a card (or credit card). The method of claim 29, wherein the server, Individual incentive providing system for each merchant using a card (or credit card), characterized in that consisting of an authentication server located in the card company server or VAN company. The method of claim 29, wherein the server, A registration unit for matching customer (personal) information (list) provided by a merchant or a product providing service with the affiliated store information and storing it in a predetermined database; When requesting payment authorization of a card (or credit card) according to the provision of goods or services at the affiliated store, extracting customer information matched with merchant information previously stored in the predetermined database based on the payment approval request merchant information and / or card information An extraction unit; And A confirmation unit that checks whether the affiliate store provides an incentive such as providing points (or mileage) or providing a coupon to the card (or credit card) using customer by referring to the customer information (list) extracted through the extraction unit; Individual incentive providing system for each merchant using a card (or credit card) characterized in that it is made. The method of claim 29, wherein the merchant terminal, Individual incentive providing system for each merchant using a card (or credit card) characterized in that it comprises an interface connected to a communication network (VAN, etc.) to process data transmission and reception with the server. The method of claim 29, wherein the customer information (list), Individual incentive providing system for each merchant using a card (or credit card), characterized in that it comprises all the personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 29, wherein the card (or credit card), Using a card (or credit card), characterized in that it comprises at least one IC chip or memory area mounted on a wireless (mobile) terminal including a smart card, IC card, magnetic strip (MS) card, credit card information Individual incentive provision system for each merchant. The method of claim 29, wherein the customer information provided to the affiliated store in the server, Providing individual incentives for each merchant using a card (or credit card), wherein the merchant (or credit card) uses information indicating whether to provide an incentive such as providing points (or miles) or providing a coupon to a customer using the card (or credit card). system. The method of claim 29, wherein the incentive is Individual incentive providing system for each merchant using a card (or credit card), characterized in that it comprises an incentive provided on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant. The method of claim 29, wherein the incentive is Individual incentive providing system for each merchant using a card (or credit card), characterized in that the individual incentive provided by the merchant itself. The method of claim 29, wherein the incentive is Individual incentive providing system for each merchant using a card (or credit card), characterized in that it comprises at least one or more points, miles, or coupons.