KR20050099707A - Method and system for discounting the sale price according to a settlement - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commerce method using a computer communication network. In particular, a purchaser who purchases goods and services using a payment card is given points proportional to the payment amount, and is sold at an affiliated shopping mall using the points. A method and system for discounting a price of a product.

That is, according to the present invention, a credit card company and an online shopping mall are affiliated to issue a discount shopping card, and when a credit transaction occurs on / off line using the discount shopping card, a predetermined discount point is generated in proportion to the transaction amount. This discount point is used to discount prices in real time on products sold in a particular online shopping mall affiliated with the credit card company. Therefore, it becomes possible to further activate the partnership between the credit card company and the online shopping mall.

Description

METHOD AND SYSTEM FOR DISCOUNTING THE SALE PRICE ACCORDING TO A SETTLEMENT}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commerce method using a computer communication network. In particular, a purchaser who purchases goods and services using a payment card is given points proportional to the payment amount, and is sold at an affiliated shopping mall using the points. A method and system for discounting a price of a product.

As the credit society develops, more and more cases of purchasing goods or services using payment cards such as credit cards rather than cash are increasing. In particular, in order to activate credit transactions, an affiliate card service in which a credit card company and a specific business partner alliance marketing together is being activated.

For example, in the case of an airline mileage card created by a partnership between an airline and a card company, a predetermined mileage is generated and accumulated in proportion to the amount of payment using a credit card, and if the accumulated mileage exceeds a predetermined point, Miles can be used to purchase tickets for free.

In addition, recently, as electronic commerce using a computer communication network has been activated, credit card companies and online shopping malls cooperate to grant predetermined affiliate points in exchange for use of credit cards, and the affiliate points are used as a payment method in the associated shopping malls. A service that lets you use it has emerged.

However, this alliance point causes various problems and inconveniences for both the shopping mall operator (or credit card company) and the customer. That is, in the case of a shopping mall operator (or credit card company), if cash points of a plurality of customers are accumulated without being used, it acts as a threat to profitability or financial stability of the shopping mall (or credit card company). In the case of a customer, in order to use cash points usefully, points must be accumulated to a certain degree. Thus, a considerable amount of time and effort are required to accumulate points at a predetermined level.

Therefore, a shopping mall operator (or credit card company) or a customer needs a method that can be used immediately without accumulating affiliate points for a long time.

The present invention provides a method for exhausting cash points that can satisfy both credit card companies (or shopping mall operators) and customers.

In addition, the present invention is characterized by increasing the interest and loyalty to a specific shopping mall by transmitting the cash points generated through the use of a credit card to the corresponding affiliate shopping mall in real time, and by discounting the price of a specific product in real time by this point. .

The present invention provides a method of integrating the points of a plurality of credit card users to purchase a desired product or product at a lower price by discounting the selling price of a specific product.

Other objects and advantages of the invention will be described below and will be appreciated by the embodiments of the invention. Furthermore, the objects and advantages of the present invention can be realized by means and combinations indicated in the appended claims.

A first aspect according to the present invention uses a payment means, a first computer system that permits approval of a payment request from the payment means, and a second computer system that conducts a transaction transaction with a number of potential buyers. The present invention relates to a method of updating a sale price of a specific product in real time.

More specifically, this method

(1) At the first computer system side,

(a) receiving payment request information including a payment identifier and a payment amount from the payment means via a communication network;

(b) determining whether the payment is approved based on the payment request information;

(c) when the payment is approved, generating a predetermined discount point proportional to the payment amount, and storing the discount point for the payment identifier;

(2) On the second computer system side,

(d) receiving, via the telecommunications network, the discount points from the first computer system and incorporating them for all payment identifiers;

(e) identifying whether the accumulated points exceed a predetermined reference point;

(f) searching for at least one or more products for which the selling price is to be renewed if the earning points exceed the reference point, and allocating the earning points for each of the search products;

(g) updating the selling price of each product by discounting the selling price of the corresponding product by the allocated points.

Further, using a computer as a second aspect of the present invention, a method of real-time discounting and selling a price of a specific product to a plurality of buyers is provided:

(1) real-time updating and storing the selling price of the specific product by the method of the first aspect;

(2) receiving a discount purchase request with buyer identification information from a particular buyer;

(3) identifying whether the buyer is entitled to participate in a discount purchase based on the buyer identification information;

(4) if there is a qualification to participate in the discount purchase, reading the list of products and the current renewal selling price for each product and outputting them to the buyer;

(5) identifying whether there is an order request for a particular discounted product from the buyer;

(6) if there is a request for order, determining the payment amount for the corresponding product as the renewal selling price, and receiving the order information and the payment information.

At this time, the payment means is a card check terminal, the payment card is preferably a credit card.

In addition, the allocation point may be obtained by Equation 1 or Equation 2 below.

P _a = P _sum / N

(P _a : allocation points, P _sum : points earned, N: number of items found)

P _ai = P _sum × (V _i / ∑V)

Where P _ai is the allocation point of the i-th search product, P _{sum is the} earning point, V _i is the normal selling price of the i-th search product, and ∑V is the sum of the selling prices of all the searched products.

Further, a real time discount sales system as a third aspect of the present invention is:

Payment means for transmitting payment request information including a payment identifier and a payment amount to a payment approval computer via a communication network;

A payment approval computer for approving a payment request for the payment means, generating a predetermined discount point proportional to the payment amount, and transmitting the discount point to an affiliated commerce computer;

Receive the discount point from the payment approval computer, and collectively accumulate it for all affiliate members until a predetermined reference point is reached, and update the discount point by real time discounting the price of at least one or more products using the earned point. A commerce computer for performing a transaction transaction for the goods with a potential plurality of buyers based on the updated price; And

And a communication network for connecting them to each other.

At this time, the payment means is a credit card check terminal, the payment approval computer is preferably a credit card company server.

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

1 is a block diagram of a real-time discount sales system according to the present invention.

As shown in the figure, the payment request information is transmitted to the credit card company server 300 through the modem 101 from the credit card inquiry machine 100 provided in each card company affiliated store.

That is, when a buyer presents his or her credit card 500 to pay for a purchase, the credit card lookup 100 reads out a payment identifier including a card number recorded on the credit card 500, and the like. The amount to be paid is input through the key input unit 150, and whether or not payment is possible is transmitted to the data communication network 200 through the modem 101.

In one embodiment, the credit card company server 300 queries whether the credit card can pay the request amount based on the payment identifier and the payment amount data transmitted via the data communication network 200.

If the result of the inquiry indicates that the credit card 500 is a defective or lost / stolen card or exceeds the allowable amount, the card notifies the credit card checker 100 of the non-payment signal, and the credit card can be used normally. In this case, the credit card inquiry device 100 is assigned a payment possible signal and an authorization number.

In addition, the credit card company server 300 identifies whether the credit card represented by the payment identifier is a discount affiliate card according to the present invention, and in the case of a discount affiliate card generates a predetermined discount point proportional to the payment amount This is transmitted to the affiliated commerce server 400 in real time.

When the authorization number is given to the payment request, the credit card inquiry machine 100 outputs the payment history as a receipt through the printer 190.

In addition, the credit card company server 300 is connected via the communication network 200 and the commerce server 400 for processing transaction transactions from a plurality of potential buyers. The online shopping mall operated by the commerce server 400 and credit card companies are affiliated with each other, and the credit card is an affiliate card created through such an alliance. That is, online shopping malls and credit card companies partner with each other and issue affiliate cards to a large number of potential buyers. This affiliate card generates a discount point corresponding to the payment amount for each credit transaction. In addition, the discount point is transmitted to the affiliate shopping mall site in real time at the same time as the occurrence, the affiliate shopping mall accumulates this discount point for a plurality of card holders. The accumulated integrated discount points are used to discount the price of the goods sold through the affiliated shopping mall in real time.

In addition, the commerce server 400 is connected to a number of potential buyer terminals 600 via the data communication network 200.

The data communication network 200 may use an internet communication protocol (TCP / IP, POP, SMTP, etc.) that allows a client to communicate with a server. In addition, the data communication network 200 includes a public switched telephone network (PSTN), a value-added communication network and a dedicated network.

The purchaser terminal 600 may be a personal computer (PC), a workstation, a cellular phone capable of data communication, a PDA, or a larger or smaller computer system. The purchaser terminal 600 typically includes one or more processors, memory, and input / output devices.

The buyer wishes to access the information record stored, for example, by the World Wide Web server. This information record may be in the form of a wired or wireless web page. This web page may be a simple content text information or data record such as more complex digitally encrypted multimedia content such as software programs, graphics, audio signals, image images, and the like.

In addition, the purchaser terminal 200 monitors and manages the system hardware and software so as to efficiently use the system, an operating system as system software, a navigator for locating a web page, and an explorer. A web browser program and a network interface such as a modem for interfacing the computer communication network and the purchaser terminal 600 to share information with the server 400 through a computer communication network 200 such as the Internet.

The browser program allows the user to enter the address (or location information) of the particular web page to search. The address (or location information) of the page is specified as a uniform resource locator (URL). In addition, the browser program makes it possible to access another page by clicking on a hyperlink of the obtained web page when the page is obtained. These hyperlinks automate entering the URL of another page after obtaining the page.

The commerce server 400 connected to the purchaser terminal 600 through the network 200 may include a multiprocessor (CPU), memory (RAM, ROM), and storage (or database) 450 connected to each other by a high-speed communication bus. ) And the network interface 430. Of course, the present invention is not limited to a server computer composed of multiple processors connected to each other by a high speed communication bus.

The commerce server 400 provides the buyer with an electronic catalog for various products to help the buyer shop online.

In addition, the commerce server 400 provides a predetermined list of discounted products to buyers, and the selling price of the products belonging to the list of products is updated in real time by the earned points. Therefore, when the buyer checks the product discount list and determines that the product to be purchased is properly discounted, the buyer can purchase the product at the discounted price.

The commerce server 400 includes a ROM 420, a RAM 425, a CPU 410, a commerce engine 412, a payment processor 411, an operating system 413, and a network interface 430 as shown in FIG. 2. ) And a data storage device 450.

Traditional personal computers or workstations with significant amounts of memory and processing power can be used as the commerce server 400 of the present invention.

The commerce server 400 of the present invention can perform a large amount of work by executing a huge amount of mathematical calculations in information processing or database search. A Pentium microprocessor, mainly produced by Intel Corporation, may be used as the CPU 410.

The payment processor 411 may be comprised of one or more traditional microprocessors that support the transfer and exchange of payment fees, various fees, and the like. Payment services performed by the payment processor 411 include all payment services such as online deposit account declaration, order receipt and credit card payment verification, credit card payment, automatic VAT calculation, digital receipt issuance, and purchase tracking based on deposit. do.

The network interface 430 is a gateway for exchanging and receiving information with the purchaser terminal 600. Existing internal and external modems may serve as the network interface 430.

The commerce engine 412 provides the buyer with a list of products having a match point with the entered product name according to the buyer's product search request. In addition, the transaction is executed according to the order information and payment information input from the buyer. In addition, the commerce engine 412 integrates and accumulates the points transmitted from the credit card company server 300 to the point database 453, and in order to update the sale price of the discount event products in real time using the earned points. The process routine shown in FIG. 4 and FIG. 5 is executed.

The data storage device 450 may include a hard disk that is magnetic or optical storage device such as a CD-ROM driver or a flash memory. The data storage device 450 includes a member information database 451, an order information database 452, a point database 453, a discount product database 454, a payment information database 455, and a general product database 457. do.

The member information database 351 includes a user name, user address, gender, occupation, age, social security number, e-mail account, authentication code (for example, ID, password), affiliate card information (card number, expiration date, card company, etc.) Store and manage personal information of members such as In other words, this member information is registered when the user registers at the shopping mall site or receives a transfer from an affiliated credit card company. The member holds a discount shopping card issued by a credit card company affiliated with the shopping mall, and uses a predetermined discount point generated by his or her credit transaction to discount the price of the product sold in the shopping mall in real time. I agree with them. Therefore, in order to participate in the real-time discount sale event serviced by the shopping mall, the member having the discount shopping card must be.

The order information database 452 is information obtained from the buyer with the purchase request of the buyer, the purchase customer information (name, address, e-mail account, etc.), shipping address information (shipping address), payment method selection information (payment deposit, card) Payment, etc.), order product information (product name, quantity purchased, product code, purchase amount, etc.) and payment information.

The point database 453 collectively stores, for all members, discount points sent from the affiliated credit card company server 300 until a predetermined reference level is reached.

The discount product database 454 stores information (product image, product name, normal selling price, product code, product detail information, manufacturer, etc.) for a discount event product to be sold at a discount price in real time using the discount point. , Manage.

The payment information database 455 stores all payment items generated by the buyer, such as a payer name, a payment identifier (card number, etc.), and the total payment amount.

The general product database 457 stores information (product image, product name, normal selling price, product code, product details, manufacturer, etc.) for all products traded at a normal selling price in the online shopping mall site according to the present invention. Manage.

While one computer is described as acting as a commerce server 600, those skilled in the art will recognize that the functionality may be distributed over a plurality of computers.

In the above, an example in which a discount point according to the present invention is generated through a credit transaction in an offline store is illustrated, but the present invention is not necessarily limited to this example, but an example of generating a discount point through a credit transaction in an online shopping mall It will also be included in the scope of the invention. In this case, the credit card lookup device 100 should be replaced with a payment agent solution of a commerce server that a credit transaction is made. That is, the payment means according to the present invention includes not only a credit card inquiry but also an online payment agency solution mounted on a commerce server.

In the above, only the credit card is described as an example of the payment card, but the payment card of the present invention is not limited to the credit card but also includes a debit card and a membership card.

In addition, the above describes an example in which the credit card company and the online shopping mall perform the business of the present invention through cooperation, but also includes a case where the credit card company operates the online shopping mall by itself.

In addition, hereinafter, the present invention will be described based on a case in which the network 100 is a wired Internet network based on the World Wide Web and the purchaser terminal 200 is a personal computer. However, it is a matter of course that the present invention is not necessarily limited to these examples.

Hereinafter, the real-time discount sales method according to the present invention will be described in detail with reference to FIGS. 3 to 7.

<Creation and transfer of discount points>

Hereinafter, a process of a user performing a credit transaction using a discount shopping card according to the present invention and generating a discount point in proportion to the transaction amount (that is, the payment amount) will be described.

First, a credit card company and an online shopping mall operator form an alliance with each other and issue a discount shopping card. This discount shopping card is a card that promises to generate a predetermined discount point in exchange for the use of the card and to use this discount point to discount the price of a specific product sold in the shopping mall in real time. Therefore, the person holding this discount shopping card can enjoy the real-time discount at any time in the affiliate shopping mall. In other words, since discount points generated by the crediting behavior of themselves or other members are used to discount the price of a certain product in real time, all discount shopping card holders including themselves can use various products at a lower price in the discount mall. You will have the opportunity to purchase.

When the discount shopping card holder presents the discount shopping card 500 in order to pay for the purchase of the product or the use of the service, the credit card lookup 100 in the store receives a card number or the like from the credit card 500. Read the payment identifier including a (S110).

When the reading of the payment identifier is completed, the merchant inputs the payment amount through the key input unit 150 of the credit card inquiry device 100 (S115). When the input of the payment identifier and the payment amount is completed, the credit card inquiry device is completed. 100 dials the credit card company server 300 through a public telephone network or a value-added network (S120).

In the state of dialing the credit card company server 300, payment request information such as the payment identifier and the payment amount is transmitted to the credit card company server 300 through the modem unit, and the credit card company server 300 will approve the transaction. It is determined whether or not (S125).

At this time, if there is an authorization disqualification reason such as a bad credit card or a lost / stolen card, a non-payment message is notified on the display of the credit card inquiry device 100 (S130 and S135). If possible, the credit card company server 100 generates an authorization number (S130, S140).

In addition, the credit card company server 100 determines whether the corresponding card is a discount shopping card based on the card number (S145).

In this case, when the discount shopping card is not, the payment authorization information including the authorization number is transmitted to the credit card inquiry device 100 (S155), and the printer 190 of the credit card inquiry device 100 receives this authorization number. Print the approval information, including the receipt in the form of a slip. (S165)

On the other hand, when the payment card is a discount shopping card in S145, the credit card company server 300 generates a predetermined discount point proportional to the payment amount, and temporarily stores it for the corresponding payment identifier (S150).

In addition, the credit card company server reads the location information of the affiliated commerce server 400 from the memory, and communicates with the affiliated commerce server 400 using the location information. The credit card company server 300 connected to the commerce server 400 transmits the temporarily stored discount point to the commerce server 400 in real time.

After completing the transmission of the discount point or in addition to the transmission of the discount point, the payment approval information including the authorization number is transmitted to the credit card inquiry machine 100 (S170).

As described above, when a credit transaction is performed on / offline using the discount shopping card, the credit card company server generates a predetermined discount point in proportion to the transaction amount (that is, the payment amount), and associates the discount point with the associated credit card. Send to the commerce server in real time.

In the above description, an example of real-time transmission to the affiliated commerce server as soon as a discount point occurs is described, but may be accumulated and transmitted until the discount point reaches a predetermined reference point, or a predetermined time (for example, 30 minutes). Or 1 hour, etc.) and then accumulate the accumulated points.

<Real time update of product sales price>

The commerce server 400 that receives the discount point data from the credit card company server 300 accumulates the discount point in the point database 453 for all members regardless of its owner (S210, S215).

The commerce server 400 frequently reads the accumulated points P _sum recorded in the points database 453 and determines whether the accumulated points P _sum exceeds a predetermined reference point P _s . (S220)

At this time, if the accumulated points exceed the reference point, the commerce server 400 determines whether there is a discount event product (S225), that is, if there is a product under the discount event in the discount product database 454, commerce The server 400 searches for discount event target products from the database 454.

The allocation point P _a for each discount event product is calculated by using Equation 1 or Equation 2 below based on the retrieved discount event product information and the accumulated points P _sum (S235).

[Equation 1]

P _a = P _sum / N

(P _a : allocation points, P _sum : points earned, N: number of items found)

[Equation 2]

P _ai = P _sum × (V _i / ∑V)

Where P _ai is the allocation point of the i-th search product, P _{sum is the} earning point, V _i is the normal selling price of the i-th search product, and ∑V is the sum of the selling prices of all the searched products.

When the allocation point for each discount event product is calculated, the sales price of the discount products stored in the discount product database 454 is updated in real time by discounting the selling price of each product by the determined allocation point (S240).

The update of the selling price for a particular discounted product is repeated indefinitely until the discounted product is purchased by the particular buyer. If the discounted product is determined to be purchased at a specific discounted price, the earned points are redistributed to other discounted products.

In the above example, the allocation point is calculated based on the accumulated points exceeding a predetermined level, but the modification point may be modified to calculate the allocated points based on the accumulated points every predetermined time period (for example, 10 minutes). Do. That is, after accumulating points occurring for a predetermined time, and after a predetermined time, it will also be possible to obtain allocation points using the points accumulated up to that time.

<Purchase discount>

When a person who wishes to purchase a specific product or product (hereinafter, referred to as a buyer) accesses the site of the present invention (S301), the commerce server 400 displays a login page corresponding to reference numeral 10 of FIG. It is displayed on the browser screen of the purchaser terminal 600. In this case, when the buyer visits this site for the first time, the normal membership registration procedure should be performed. (If the member information is registered by handing over from the credit card company, the membership registration procedure is omitted.)

The purchaser who receives the login page 10 of FIG. 6 inputs his or her own identification information (for example, card information (card number, expiration date, password) or login information (ID, password)), and the commerce server ( 400. (S303) Upon receiving the card information or login information from the buyer, the commerce server 400 checks whether the buyer is a legitimate holder of the discount shopping card based on the card information (or login information). (S305) That is, the member information database 451 is searched to determine whether there is a discount shopping card that matches the corresponding card information (or login information).

As a result of the determination, if there is a matching discount shopping card, the commerce server 400 guides the buyer to the menu list screen as shown in FIG. At this time, both the discount purchase menu 11b and the general purchase menu 11a of the menu list screen 11 are activated. On the other hand, when there is no matching discount shopping card, the discount purchase menu 11b of the menu list screen 11 is not activated, and only the general purchase menu 11a is activated.

Here, "activation" means a state in which the next page linked by selecting a menu button on the web page can be called up. In addition, a process of selecting an activated discount purchase menu and participating in a discount event event is called a "discount purchase mode", and a process of performing a normal e-commerce by selecting a general purchase menu is defined as a "normal purchase mode".

In operation S305 of FIG. 5, when the buyer has a discount shopping card, a menu list page 11 of FIG. 6 in which the discount purchase menu 11b is activated is displayed on the browser screen of the buyer terminal 600.

Therefore, the buyer selects the discount purchase mode by clicking the discount purchase menu 11b on the menu list page 11 (S307).

When the buyer selects a discount purchase mode (i.e., clicks a discount purchase menu), the commerce server 400 receives information about the discount event products (product image, product name, normal selling price, product code, manufacturer) from the discount product database 454. And the current renewal selling price (i.e., the current discounted price), and use this to construct a discounted product list as shown by reference numeral 15 in FIG.

An example of such a discount product list page 700 is shown in FIG. 7. The list of discounted products includes product information 710 such as an image, a product name, a manufacturer, a product code, etc. of the products to be discounted, and a discounted price information 730 updated at least once by the normal selling price information 720 and the allocation point. do. Therefore, after confirming the discount product list of FIG. 7, the buyer determines whether the discounted price of each discount product is appropriate, and determines whether to purchase.

If the buyer wants an additional discount for a particular product, the purchaser must monitor the discounted price without making a purchase request to the commerce server 400. If there is no purchase request from any buyer for the particular product, the commerce server 400 repeatedly executes the update of the selling price shown in FIG.

The purchaser who wants to check the new discounted price for the specific product without making a purchase request requests a refresh (S331), and the commerce server 400 reads the new renewal selling price from the discounted product database 454 before transferring it. Revise the discounted price of the product (S333, S335, S337).

When the buyer determines that the discounted price of the particular product is appropriate, the buyer finally selects the product to purchase from the discount product list 700. As such, the commerce engine 412 receiving the selection information about the specific product from the buyer provides the corresponding purchaser terminal 600 with a web page (16 of FIG. 6) containing detailed information about the corresponding product.

The purchaser checks the detailed information, determines the purchase quantity for the corresponding product, and then transfers a purchase request for the corresponding product to the commerce server 600 by clicking the purchase button 16a. The payment amount for the purchased product is determined as a discount price for the corresponding product at the moment of receiving the purchase request from the buyer (S325).

The commerce server 400 receiving the purchase request from the buyer provides the purchaser terminal 600 with an order such as 17 in FIG. 6. In this order form 17, there are input sections such as order customer information section, shipping information section, payment method selection section, payment information section. The purchaser prepares an order form 17 by inputting or selecting information corresponding to the above sections, and transmits the prepared order form 17 to the commerce server 400 (S327).

The commerce server 400 receiving the order from the buyer stores the order information in the order information database 452, and provides the payment window (18 in FIG. 6) to the buyer terminal 600. The purchaser who has selected credit card payment completes the payment for the purchase by inputting the card number, expiration date and payment amount in the payment window 18 (S329).

< General purchase>

On the other hand, when the corresponding buyer does not have a discount shopping card in S305 or the buyer selects the general purchase menu 11a, the general purchase mode of S309 to S314 of FIG. 5 is performed (S309).

That is, the purchaser who selects the normal purchase mode enters a search term in a search box or searches for a desired purchase product by using a product directory as shown by reference numeral 12 of FIG. 6 (S310). 412 searches the general merchandise database 457 to extract the merchandise having a match with the merchandise search term, and provides the buyer with a merchandise list as shown in FIG. The buyer who has received the product list 13 checks the product image, product name, manufacturer, selling price, product specification, etc. of the various products existing on the product list, and finally selects the product to be purchased (S311). The commerce engine 412 receiving the selection information about the specific product from the buyer provides the buyer terminal 600 with a web page (14 of FIG. 6) containing detailed information about the product. For example, if the product selected by the buyer is clothing, this detailed information includes information such as product image, composition, color, size, material, and washing method. Therefore, after the purchaser determines the purchase quantity for the corresponding product, the purchaser transmits a purchase request for the corresponding product to the commerce server 400 by clicking the purchase button 14a. (S312) The purchase request from the buyer is received. The commerce server 400 provides the purchaser terminal 600 with an order such as 17 in FIG. 6. In the order form 17, there are input sections such as an order customer information section, a delivery address information section, a payment method selection section, and a payment information section. The purchaser prepares an order form 17 by inputting or selecting information corresponding to the above sections, and transmits the prepared order form 17 to the commerce server 400 (S313).

The commerce server 400 receiving the order from the buyer stores the order information in the order information database 452, and provides the payment window (18 in FIG. 6) to the buyer terminal 600. The purchaser who has selected credit card payment completes the payment for the purchase by inputting the card number, expiration date and payment amount in the payment window 18.

The terms or words used in this specification and claims are not to be construed as being limited to their ordinary or dictionary meanings, and the inventors may appropriately define the concept of terms in order to best describe their invention. It should be interpreted as meaning and concept corresponding to the technical idea of the present invention based on the principle that the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention, and do not represent all of the technical idea of the present invention, which can be replaced at the time of the present application It should be understood that there may be various equivalents and variations.

The present invention is not limited to the above-described embodiments, and various modifications and variations are made by those skilled in the art within the equivalent scope of the technical concept of the present invention and the claims to be described below. Of course it is possible.

According to the present invention, a credit card company and an online shopping mall cooperate to issue a discount shopping card, and use the discount shopping card to generate a predetermined discount point proportional to the transaction amount when a credit transaction occurs on / offline. This discount point is used to discount prices in real time on products sold in a particular online shopping mall affiliated with the credit card company. Therefore, it becomes possible to further activate the partnership between the credit card company and the online shopping mall.

Therefore, since the points of the plurality of cardholders are added up to immediately discount the selling price of the product, the affiliated members may have an opportunity to purchase the desired product at a lower price. In addition, the credit card company can prevent the various cash points generated due to the credit transaction to accumulate indefinitely. In addition, there is a natural competition among buyers over discount prices and purchasing opportunities, which can amplify interest and interest in purchasing.

The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate the presently preferred embodiments of the invention and, together with the description of the following preferred embodiments, serve to explain the principles of the invention.

1 is a schematic block diagram of a real-time discount sales system according to the present invention.

2 is a diagram illustrating an internal function of a commerce server according to the present invention.

3 is a flowchart illustrating a process of generating a discount point in proportion to a payment amount.

4 is a flowchart illustrating a method of updating by discounting the selling price of a specific product in real time using the earned points.

5 is a flowchart for explaining a discount sales method according to the present invention.

6 is a chart of menus, display screens, input screens used for a shopper.

7 is a display screen containing a list of discount products.

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

100: credit card checker 200: PSTN

300: credit card company server 400: commerce server

500: credit card

Claims (9)

Using a payment method, a first computer system that permits approval of a payment request from the payment method, and a second computer system that conducts a transaction transaction with a plurality of potential buyers, the sale price of a particular product in real time As a way to update, (1) At the first computer system side, (a) receiving payment request information including a payment identifier and a payment amount from the payment means via a communication network; (b) determining whether the payment is approved based on the payment request information; (c) when the payment is approved, generating a predetermined discount point proportional to the payment amount, and storing the discount point for the payment identifier; (2) in the second computer system side, (d) receiving, via the telecommunications network, the discount points from the first computer system and incorporating them for all payment identifiers; (e) identifying whether the accumulated points exceed a predetermined reference point; (f) searching for at least one or more products for which the selling price is to be renewed if the earning points exceed the reference point, and allocating the earning points for each of the search products; (g) updating the selling price for each product by discounting the selling price of the corresponding product by the allocated points. The method of claim 1, And the payment means is a card check terminal for interfacing the first computer system and a payment card via a communication network. The method of claim 2, The payment card is a credit card. The method of claim 1, The allocation point is characterized by the following equation. P _a = P _sum / N (P _a : allocation points, P _sum : points earned, N: number of items found) The method of claim 1, The allocation point is characterized by the following equation. P _ai = P _sum × (V _i / ∑V) Where P _ai is the allocation point of the i-th search product, P _{sum is the} earning point, V _i is the normal selling price of the i-th search product, and ∑V is the sum of the selling prices of all the searched products. Using a computer to sell discounted prices of certain items to multiple buyers in real time, (1) real-time updating and storing the selling price of the specific product by the method of claim 1; (2) receiving a discount purchase request with buyer identification information from a particular buyer; (3) identifying whether the buyer is entitled to participate in a discount purchase based on the buyer identification information; (4) if there is a qualification to participate in the discount purchase, reading the list of products and the current renewal selling price for each product and outputting them to the buyer; (5) identifying whether there is an order request for a particular discounted product from the buyer; And (6) if there is a request for order, determining a payment amount for the corresponding product as the renewal selling price, and receiving order information and payment information. The method of claim 6, And said purchaser identification information comprises a credit card number. Payment means for transmitting payment request information including a payment identifier and a payment amount to a payment approval computer via a communication network; A payment approval computer for approving a payment request for the payment means, generating a predetermined discount point proportional to the payment amount, and transmitting the discount point to an affiliated commerce computer; Receive the discount point from the payment approval computer, and collectively accumulate it for all affiliate members until a predetermined reference point is reached, and update the discount point by real time discounting the price of at least one or more products using the earned point. A commerce computer for performing a transaction transaction for the goods with a potential plurality of buyers based on the updated price; And A real-time discount sales system, comprising a communication network for connecting them to each other. The method of claim 8, The payment means is a credit card check terminal, and the payment approval computer is a credit card company server.