KR20050061661A - Credit card discount payment system and method using thereof - Google Patents

Abstract

The present invention provides a credit card company that returns a result of an authorization request in accordance with an authorization request, at least two or more merchants selling services or goods, a credit card issued to a member by embedding serial number and card-specific information of an expiration date, A credit card including a card inquiry terminal which is provided in each affiliated store, inquires the card unique information, inputs a purchase amount and an installment month, inputs a request for approval to the credit card company, and returns a slip after receiving an approval request result. A discount payment system, wherein the credit card includes a store storing information of a merchant and a purchase point of a purchase of an item or a service, and the terminal records the merchant information and the purchase point of the store in the memory and inquires the memory. Time and / or day from the point of purchase of the merchant Credit card discount payment system and credit card discount payment using the same, comprising a transaction module for calculating the discount to calculate a part of the purchase price of the merchant in the case of within the region and the same credit card company affiliated stores Provide a method.

Description

Credit card discount payment system and method using KR}

The present invention relates to a credit card discount payment system and a method thereof, and more particularly, a part of the purchase price when purchasing goods or services using a credit card in a certain time and / or within a certain region at different merchants of the credit card company. The present invention relates to a credit card discount payment system for discounting and a credit card discount payment method using the same.

A credit card is a kind of consumer credit issued to a member who has a contract with a credit card company. A member who holds it can purchase goods or services at a merchant without spending cash. Is transferred from the member's bank account to the merchant's bank account.

Attached Figure 1 is a system configuration for a general credit card transaction, the credit card company (1) and the member (3), the merchant (5) and bansa (7) is the subject of the credit card transaction.

At this time, the credit card 4 possessed by the member 3 stores card-specific data such as a unique serial number and an expiration date, and the merchant 5 inquires the credit card 4 of the member 3 and purchases the amount of money. And a card inquiry terminal 6 for generating an approval request by inputting transaction details such as an installment month, the card inquiry terminal 6 being connected to a credit card company 1 and a wired / wireless communication network through a bansa 7. It is.

In addition, the credit card company 1 is provided with an approval system 2 including a database in which member and merchant information is stored. The member 3 purchases goods or services from the merchant 5 by the credit card 4. When presenting the merchant (5) side by using the card inquiry terminal (6) to look up the card specific information of the credit card (4) to enter the transaction details, such as purchase amount and installment month to generate an authorization request.

Then, a request for approval to the credit card company (1) through the bansa (7).

Subsequently, the credit card company 1 determines the approval or rejection of the approval request based on the member's credit information and the merchant information stored in the database of the approval system 2, and returns the approval number as a result of the approval request. Is returned to the card inquiry terminal (6).

In the card inquiry terminal 6, a slip is issued and confirmed by the member 3 and then signed by hand to complete the approval of the credit card transaction.

Next, the charge for the credit card transaction is transmitted from the card inquiry terminal 6 to the credit card company 1 through the bansa 7, and the credit card company 1 metabolizes the money to the account of the affiliated store 5. After the deposit, the corresponding amount is transferred from the member's 3 bank account to the account of the credit card company 1 for a certain period of time. This completes the billing and payment.

In recent years, each company has established a holistic and customer-oriented marketing strategy that ties customer profits and corporate development out of existing corporate-centered thinking.As part of this, continuous customer management, customer retention, and improvement of work efficiency have been established. A membership card has been developed.

The membership card, although not a payment method like the credit card (4), can receive a number of additional benefits when purchasing goods or services from the issuer's merchant. It also benefits from the accumulation of points that can be refunded for goods or services. In addition, the company has the advantage of securing and managing customers in a long-term and stable manner, and has the advantage of attracting more customers to the merchant.

Recently, credit card companies (1) are also seeking ways to provide various benefits to excellent customers when a member purchases goods or services with a credit card (4) at an affiliated store (5).

Therefore, the present invention has been devised to satisfy the above requirements, it is possible to attract more merchants from the credit card company perspective and to secure more customers from the merchant perspective, and from the member's point of view when purchasing the desired goods or services The purpose of the present invention is to provide a credit card discount payment system and a credit card discount payment method using the same, which provides a lot of discount benefits to all.

In order to achieve the above object, the present invention includes a credit card company that returns an approval request result according to an approval request, at least two merchants selling a service or an article, and serial number and card-specific information of an expiration date. Credit card issued to the member and the respective merchants, the card unique information is inquired, the purchase amount and the transaction details of the installment month are inputted to request the approval to the credit card company and the result of the approval request is returned and the slip is outputted. A credit card discount payment system including a card inquiry terminal, wherein the credit card includes a merchant storing information and a purchase point of a purchase of goods or services, and the terminal records the merchant information and a purchase time in the memory. Inquiry of the memory, the purchase point at the previous affiliated store Provides a credit card discount payment system, comprising a transaction module for calculating a discount on a part of the purchase price of the affiliated store within a predetermined time from the mashing point and being a member of the same credit card company. do.

At this time, the credit card is a smart card, the predetermined time is at least 10 hours, the credit card company is characterized in that at least two or more signed a discount agreement. The affiliated store information may include an affiliated store name and an affiliated store location, and the transaction module may calculate a discount on a part of the purchase price at the affiliated store when the previous affiliated store is within a predetermined distance from the affiliated store.

In addition, the transaction module is characterized in that the program encrypted in a predetermined language, the memory is characterized in that the EEPROM (EEPROM).

The present invention also provides a credit card discount payment method using the credit card discount payment system as described above, wherein the member purchases a service or an item using a credit card at a first merchant and then uses the credit card at a second merchant. When purchasing a service or an article, the first affiliated store and the second affiliated store are affiliated stores of the same credit card company, the purchase point of the first affiliated store is within a predetermined time from the purchase point of the second affiliated store, When the location of the merchant is within a certain distance from the second affiliated store provides a credit card discount payment method characterized in that a portion of the purchase price at the second affiliated store.

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

Attached Figure 2 is a network configuration showing a credit card discount payment system according to the present invention, a credit card company 10 equipped with an authorization system 12, and a member having a credit card (30) issued therefrom 20 and a card inquiry terminal 50 connected to a credit card company 10 and a wired / wireless communication network, each of which includes at least two merchants 40 for selling goods or services.

The credit card 30 possessed by the member 20 is embedded with card-specific data such as a unique serial number and an expiration date, respectively, and the card inquiry terminal 50 of the affiliated shop 40 is the credit of the member 20. After querying the card 30, the member 20 inputs transaction details such as the purchase amount and installment month of the goods or services to be purchased, and generates an authorization request, and the authorization request is credited through the bansa 90. After being sent to the approval system 12 of the card company 10, the approval number is returned again as a result of the approval request.

In this case, the bansa 90 provides a wired / wireless communication network connecting the card inquiry terminal 50 and the credit card company 10, and relays the approval request and the approval request result communicated therebetween, and collects and charges the bill and As a relay agency that provides various agency services such as management and the like, there is no particular relationship with the present invention, and thus a detailed description thereof will be omitted.

For reference, the accompanying drawings are briefly illustrated in order to most easily understand the present invention. As will be described in detail below, the credit card company 10 may have two or more discount contracts, and at least two or more. Merchants 40 are each affiliates of these credit card companies 10, the number can be easily understood through the following description that the number can be free.

On the other hand, the credit card payment discount system according to the present invention in the above description is characterized in particular in the card inquiry terminal 50 which is provided in the credit card 30 and each affiliated shop 40 possessed by the member 20 In this case, the dual credit card 30 is provided with a separate memory for storing merchant information such as the name and location of each affiliated store and the purchase point of purchase of goods or services for a predetermined time.

Credit card 30 may be a smart card for this purpose, Figure 3 is a block diagram thereof.

Smart cards are, as is well known, a central processing unit (31) having a built-in microprocessor and performing logical operations according to predetermined rules, a ROM (R0M: 33) having an operating system and a security algorithm, RAM temporarily stores data (RAM), and various applets such as application programs, and EPIROM (EEPROM: 37) in which card-specific information of serial numbers and expiration dates are embedded. In particular, the information and the time of purchase of merchants who purchased goods or services using the credit card 30 for a predetermined time is stored in YPIROM37.

In addition, reference numeral 39 denotes a platform in which an application device such as an RF antenna may be embedded in the case of a contactless or combination smart card.

Next, the card inquiry terminal 50 records the affiliated store information and the purchase point in the EPI rom 37 of the credit card 30 and at the same time inquires this to discount a part of the purchase price when the predetermined condition is satisfied. An example thereof is illustrated in FIG. 4.

4 is a block diagram showing a card inquiry terminal 50 according to the present invention, a reader unit 51 that can inquire a member's credit card, a purchase amount and an installment month transaction for goods or services to be purchased. Approved based on the input unit 53 consisting of a plurality of buttons, each of which is assigned a unique number or letter so that the details can be entered, the card-specific data inquired by the reader unit 51 and the transaction history input from the input unit 53. A communication unit 59 for generating a request, a communication unit 59 connected to a bansa and a credit card company and a communication interface device such as a modem or a LAN card that transmits an authorization request to a credit card company and receives a result of the authorization request; And a display unit 60 such as a liquid crystal display device for displaying each of these data to the outside.

Since each of these components is based on general technical details, detailed descriptions are omitted.

In this case, the credit card inquiry terminal 50 according to the present invention inquires the merchant information and the purchase point of the previous merchant from the YPIROM 37 embedded in the credit card 30 of the member 20, and the purchase point is the merchant point. If it is within a certain time from the point of purchase, the part of the purchase price of the goods or services of the affiliated store is calculated to be reflected in the approval request, which is the contents thereof, and at the same time, the affiliated store is displayed on the IPIROM 37 of the credit card 30. It is characterized in that the transaction module 57 for inputting information and the point of purchase is built.

The transaction module 57 may be embedded in the card inquiry terminal 50 in the form of a program encoded in a predetermined language.

On the other hand, in recent years, it is possible to connect to the Internet, which basically has a browser function to search and display web pages, and MSR (Magnetic Stripe Reader) and IC card slots to search all kinds of cards such as magnetic and IC. The application is built-in, so that affiliate sales can be point of sale, and furthermore, enterprise resource planning (ERP) such as customer relationship management (CRM) and supply chain management (SCM) can be performed. POS terminal has been introduced, in which case the transaction module 57 according to the present invention can be easily embedded in the form of a program.

On the other hand, as described above, the member 20 through the card inquiry terminal 50 in which the merchant information and the purchase time point are recorded and the transaction module 57 is built, the member 20 of the same credit card company 10 within a predetermined time. When the merchant 40 purchases goods or services using the same credit card, each of the purchase price may be discounted.

At this time, as long as the purchase is made within a certain time, the number of affiliates 40 that can receive a discount on each purchase amount may be free. However, they are affiliated stores 40 of the same credit card company 10 and at the same time a credit card 30 ) It is also assumed that it is issued from the same credit card company 10, which will be easily understood in view of the object of the present invention.

However, in this case, since the credit card company 10 may be two or more with the above-mentioned discount agreement, the affiliated shop 40 may also be a different credit card company, but in all cases, one credit card company 10 may eventually be used. ) And its affiliated shop 40 are not much different from those of a person skilled in the art.

That is, the biggest feature of the credit card discount payment system according to the present invention is that members 20 at different merchants 40 of the at least one credit card company 10 having the same agreement by using the same credit card 30 In the case of purchasing goods or services, the affiliated shops may receive a discount on the purchase price within a predetermined time from the point of purchase of the previous affiliated shop.

In addition, since the location information of the affiliated store 40 is recorded together with the ypyrom 37 of the credit card 30, an additional restriction of the affiliated store in a limited place is also possible.

Hereinafter, the description of the present invention will be described with reference to FIG. 5, which is a flowchart illustrating a credit card discount payment method according to the present invention.

First, the member 20 having the credit card 30 stops at the affiliated shop 40 to indicate the intention to purchase goods or services and presents the credit card 30. (st1)

In this regard, the affiliate store 40 inquires the card-specific information such as the serial number and the expiration date recorded on the credit card 30 by using the card inquiry terminal 50. At this time, the reader unit 51 contacts the YPIROM 37. Inquires the merchant information and the purchase time of the recorded previous merchant. (St2)

And the merchant (40) side inputs transaction details such as purchase amount and installment month in the card inquiry terminal 50 to generate a request for approval, where the transaction module 57, if the purchase time from the previous merchant within a certain time Part of the purchase price is discounted so that the approval request is generated (st4 or st5).

Subsequently, the authorization request is transmitted to the credit card company 10 through the bansa 90, which may be an authorization request reflecting an actual purchase amount or an authorization request reflecting a discounted purchase amount. (St6)

Next, the credit card company 10 determines the approval or rejection with reference to the previously stored member information and the bad credit blacklist, and then transmits the authorization number as a result of the approval request, which is received through the bansa 90 through the affiliate store (40). ) Is sent to the card inquiry terminal 50 is issued a slip. Then, the member 20 completes the purchase of the goods or services at the affiliated store 40 by checking the slip and signing the letter in hand, and at the same time, the card inquiry terminal 50 displays the corresponding merchant information and the purchase point of the credit card 30. Is stored in the ypyrom (37) of (st7, st8).

Therefore, since the member 20 stops at another affiliated store of the same credit card company 10 and purchases an item or service, the member 20 may receive a discount of a purchase amount if it is within a certain period from the point of purchase at the previous affiliated store through the same process.

On the other hand, in the above description with reference to FIG. 5, the conditions for receiving the discount of the purchase price are the merchants 40 of the same credit card company 10 or the same credit card 30, or the point of purchase at the previous merchants. It is listed as whether it is within a certain time from the point of purchase, but according to the purpose, it is natural that additional conditions under the unique policy of the credit card company 10, such as whether the previous merchant and the affiliated store are within a certain distance, may be applied. It will be preferable to indicate that the credit card discount according to the present invention is reflected.

In addition, the above description is limited to smart cards, but otherwise, it is also applicable to magnetic credit cards. In this case, since a typical magnetic card has a limit on the amount of data that can be stored, various information for discounting credit cards are bansa or credit. It will be apparent to those skilled in the art that the data may be stored in a separate settlement system such as a card company, and may be performed by inquiring and metabolizing it with a card inquiry terminal of an affiliate store.

The present invention according to the above description can attract more merchants from the point of view of a credit card company and at the same time improve the spread and usage of its credit card, and can use more cards from a second card company. It is possible to secure more customers, and from the member's point of view, they can get more discounts when purchasing desired items or services.

This has the advantage of activating the use of credit cards more.

1 is a network diagram showing a typical credit card payment system.

2 is a network diagram showing a credit card discount payment system according to the present invention.

Figure 3 is a block diagram of a credit card of the credit card discount payment system according to the present invention.

Figure 4 is a block diagram of a card inquiry terminal of the credit card discount payment system according to the present invention.

5 is a flowchart illustrating a credit card discount payment method according to the present invention.

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

10: Credit card company 12: Authorization system

20: Member 30: Credit Card

31: central processing unit 33: RAM

35: Romans 37: Ypyrom

39: Platform 40: Merchant

50: card inquiry terminal 51: leader

53 input unit 55 operation unit

57: transaction module 59: communication unit

60: display unit 90: bansa

Claims (6)

A credit card company that returns the result of the request for approval according to the request for approval, at least two merchants selling the service or item, a credit card issued to the member by embedding the serial number and the card-specific information of the expiration date, Credit card discount payment system including a card inquiry terminal that is provided in the merchant to query the card-specific information, the purchase amount and the transaction details of the installment month are inputted to the credit card company for approval and then return the approval request result. As The credit card includes a store that stores merchant information and the point of purchase when the goods or services are purchased, The terminal records the affiliated store information and the purchase point in the memory, and if the purchase point at the previous affiliated store is within a certain time from the purchase point of the affiliated store and the affiliated store of the same credit card company, inquiring the memory. Credit card discount payment system, characterized in that it comprises a transaction module for calculating a portion of the purchase price is reflected in the approval request. The method of claim 1, The credit card is a smart card, credit card discount payment system, characterized in that at least two times according to the policy of the predetermined time or a certain region and the card company, the credit card company signed a discount agreement. The method of claim 1, The affiliated store information includes affiliated store name and affiliated store location, And the transaction module discounts a portion of the purchase price at the affiliated store when the previous affiliated store is within a predetermined distance from the affiliated store. The method of claim 1, The transaction module is a credit card discount payment system, characterized in that the program encrypted in a predetermined language. The method of claim 2, And the memory is EPIROM. A credit card discount payment method using the credit card discount payment system according to claim 1, wherein When the member purchases a service or an article using a credit card at a first affiliate store and then purchases a service or an article using a credit card at a second affiliate store, the first affiliate store and the second affiliate store have the same credit card company. Purchase at the second affiliate store when the purchase point at the first affiliate store is within a predetermined time from the purchase point at the second affiliate store and the location of the first affiliate store is within a certain distance from the second affiliate store. Credit card discount payment method characterized in that a part of the price discount.