KR20060095935A - System and method for selecting the affiliated store coped with community, server, payment terminal and recording medium - Google Patents

Abstract

The present invention relates to a method and system for selecting an affiliated store corresponding to a community, comprising: a first step of opening a predetermined community group by interworking with at least two clients in a server on a network; and client information of the community group member in the server; /Or a second step of interlinking and storing the payment method information owned by the clients and the community group information in a predetermined storage medium, and the community from at least two affiliated store clients selling the community group-related products in the server. In the third step of receiving product sales condition information for group members, and when selecting an affiliate store corresponding to the community group through comparison of the provided at least two product sales condition information, the selected affiliate store information from the server And a fourth step of processing product sales condition information presented by the affiliated store in association with the community group information and storing it in the storage medium.

As a result, it is possible to revitalize a community having purchasing power, and thus, it is possible to expect revenue generation.

Card company, community

Description

 System and Method for Selecting the Affiliated Store coped with Community, Server, Payment Terminal and Recording Medium}

1 is a simplified block diagram of an affiliated store selection system corresponding to a community according to a preferred embodiment of the present invention.

2 is a functional configuration diagram of a server on an affiliated store selection system corresponding to a community according to a preferred embodiment of the present invention.

3 is a functional configuration diagram of a predetermined payment terminal provided in an affiliated store client on an affiliated store selection system corresponding to a community according to a preferred embodiment of the present invention.

4 is a simple flowchart of a process for selecting an affiliate store corresponding to a community according to a preferred embodiment of the present invention.

5 is a simple flowchart illustrating a process of identifying a community group member at the affiliated store after selecting an affiliated store corresponding to a community according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: storage medium

110: merchant client 115: payment terminal

120: community group 125: member client

200: receiver 205: community group checker

210: merchant confirmation unit 215: group establishment unit

220: storage unit 225: product sales conditions confirmation unit

230: information provider 235: fee addition

240: incentive provider

300: control unit 305: memory

310: screen output unit 315: key input unit

320: print output unit 325: transaction communication unit

330: card reader

The present invention corresponds to the community group by comparing at least two or more product sale condition information provided from at least two merchants providing product sale condition information for a predetermined community group member established in association with at least two clients. The present invention relates to a method and system for selecting a merchant corresponding to a community for selecting a merchant.

Recently, financial companies (for example, credit card companies) are making efforts to secure customers and increase profits through expansion of financial infrastructure and development of various products for customer satisfaction.

However, these efforts have been relatively limited due to the development of new products and improved customer service, and at the present time when the Internet infrastructure has been widely spread, the financial company homepages provided on the Internet have been very limited to providing financial services.

In addition, each financial company has been promoting sales to individual customers, so it is true that they have overlooked the purchasing power of groups and communities.

In order to solve the above problems, an object of the present invention is to establish a community group in association with at least two or more clients, the community group member client information and / or the client owned payment means information and the The present invention provides a server on a network for interworking community group information and storing the information in a predetermined storage medium.

In addition, another object of the present invention is to select a merchant corresponding to the community group by comparing at least two or more product sales condition information provided from the at least two merchant client, the selected merchant information and goods presented by the merchant The present invention provides a server on a network that stores sales condition information in association with the community group information and stores the information on the storage medium.

In addition, another object of the present invention, located in the affiliated client, a memory for storing the client information and / or payment means information of a specific community group member, and the payment processing of the client of the specific community group member, interworking with the memory Accordingly, the present invention provides a payment terminal having a control unit which checks whether client information and / or payment means information of a client requesting the payment processing matches the client information and / or payment means information of the specific community group member.

In accordance with an aspect of the present invention, there is provided a method for selecting an affiliated store corresponding to a community, the method comprising: establishing a predetermined community group by interworking with at least two clients in a server on a network; And / or a second step of interconnecting and processing the payment means information owned by the clients and the community group information on a predetermined storage medium, and from at least two affiliated store clients selling the community group related products at the server. Selecting the affiliated store corresponding to the community group through a third step of receiving product sale condition information for the community group member and comparing the provided at least two product sale condition information with the selected affiliated store in the server; Information and remind And a fourth step of linking the merchandise sales condition information presented by the affiliate store with the community group information and storing the merchandise on the storage medium.

In addition, the present invention, when the community group member client purchases a product at an affiliated store, in conjunction with the storage medium in the server, the community group member client of the community group member according to the product sale condition corresponding to the product sale condition information presented by the merchant client The method may further include providing a predetermined incentive corresponding to the purchase of the product.

According to the present invention, when the community group member clients purchase a product at an affiliate store selected in correspondence with the community group, confirmation of the affiliate store information and / or confirmation of a product sale condition presented by the affiliate store is confirmed at the server or the affiliate store Can be identified at

Preferably, when checking the affiliated store information and / or the product selling condition presented by the affiliated store at the server, when the community group member clients purchase the product at the affiliated store, the server purchases the product from the community group member clients. After reading the predetermined payment means information and / or client information read from the predetermined payment approval request message according to, and confirms the community group corresponding to the read payment means information and / or client information in conjunction with the storage medium And confirming affiliated store information for selling the community group related product corresponding to the identified community group by interworking with the storage medium in the server, and confirming the affiliated store information read from the payment approval request text message. Group related goods The step of determining whether to be consistent with the merchant selling information may further include.

In addition, when the community group member clients purchase a product at an affiliate store, reading the affiliate store information from a predetermined payment approval request message according to the purchase of the product by the community group member clients at the server, and the storage medium at the server. In conjunction with, it may further comprise the step of identifying the predetermined product selling condition information processed in conjunction with the read the affiliated store information.

Preferably, when the affiliated store confirms the affiliated store information and / or the conditions for selling the goods presented by the affiliated store, the server provides the selected affiliated client client information and / or payment means information to the selected affiliated store client. Storing the client information and / or payment means information of the community group member in a predetermined storage medium at the affiliated store client; and when the community group member clients purchase a product at the affiliate store, the community group member stored in the storage medium. On the basis of the client information and / or payment means information, it may further comprise the step of confirming whether the product purchase client is a member of the community group, at this time, according to the confirmation result, the sale of the product to the client Products can be sold under conditions.

Here, the storage medium for storing the client information and / or payment means information of the community group member provided to the selected affiliated client client, the payment terminal (for example, the memory provided in the payment terminal, etc.) provided in the affiliated store; ) May be included.

According to the present invention, the product selling condition information provided by the affiliated store corresponding to the community group includes a predetermined product discount condition, and / or a point or mileage providing condition, which is applied when the product is sold to the community group members, and / Or at least one predetermined service provision condition provided to the community group members.

In addition, the present invention comprises the step of receiving the community group-related goods (or merchants selling the goods) related information from the affiliated store client that sells the community group-related goods in the server and the received community group-related goods in the server (Or an affiliate store that sells the product) may further include posting the related information on a bulletin board assigned to the community group and / or transmitting the information to the community member clients.

The present invention may provide the information by interworking with the storage medium in the server when providing information related to the community group related product (or the affiliated store selling the product) in the affiliated store client selling the community group related product. Confirming whether an affiliated client client is an affiliated client client selling the selected community group related product, and when the result of the checking indicates that the affiliated client client is a selected affiliated client client, the community group related product provided by the affiliated client client (or the product) And affiliated stores selling the related information to a bulletin board assigned to the community group, and / or to the community member clients.

In addition, according to the present invention, when the affiliated client client selling the community group related product provides the community group related product (or the affiliate store selling the product) related information, the community group related product (or the The method may include adding a predetermined information providing fee (or fee) to the affiliated client client providing the related information.

Here, the community group-related product (or affiliate store that sells the product) related information provided by the affiliate store client that sells the community group-related product may include the community group-related product sale discount information and / or event information and the community group. And at least one of related product price information, precautionary information on using the community group related product, and location information of affiliated stores that sell the community group related product.

According to the present invention, a first step of establishing a predetermined community group in cooperation with at least two clients in a server on the network includes receiving predetermined community information from a client who wants to establish a specific community group in the server and the server. And establishing a predetermined community group corresponding to the community information.

Hereinafter, a process of selecting an affiliated store corresponding to a community proposed by the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

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 addition, in describing the present invention, if 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 of an affiliated store selection system corresponding to a community according to a preferred embodiment of the present invention.

1 is a financial company server including a card company server or a bank server, a server 100 on a network including at least one or more mobile communication company servers, and a merchant client 110 to select a merchant corresponding to a community according to the present invention. And an affiliated store selection system corresponding to a community composed of community groups 120.

In more detail, referring to FIG. 1, a predetermined community group 120 is established in association with at least two clients, and the community group member client information and / or payment means information owned by the clients and the community group information. To the server 100 and the server 100 on the network storing the data in a predetermined storage medium 105 and the community group related goods for providing the product sales condition information for the community group member client to the server 100. Characterized in that it comprises at least two merchant client 110 to sell.

According to the present invention, the server 100 establishes a predetermined community group 120 in association with at least two or more clients, and establishes the community group member client information and / or payment means information owned by the clients and the community. The group information may be stored in a predetermined storage medium 105 by performing cooperative processing.

Herein, the payment means of the client stored in the storage medium 105 in association with the community group member client information and / or the community group information may be related to the community group at the affiliated store by the community group member client according to the present invention. As a payment means used to purchase a product, it may be a payment means issued by the server 100 (for example, a card company).

The payment means may include at least one credit card payment means, financial account payment means, debit card payment means, prepaid card payment means, electronic money payment means, mobile payment means.

In addition, the server 100 receives product sales condition information for the community group member client from at least two affiliate store clients 110 selling the community group related product, and the at least two affiliate store client 110. Selects an affiliate store corresponding to the community group 120 by comparing at least two product sale condition information provided from), and displays the selected affiliate store information and the product sale condition information provided by the affiliate store with the community group information. It is characterized by storing in the storage medium 105 by the cooperative process.

In addition, when the community group member clients purchase the community group related products, etc. at the affiliate store corresponding to the community group 120, the server 100 may interwork with the storage medium 105 to provide the affiliate store client ( According to a product selling condition corresponding to the product selling condition information presented by 110, a predetermined incentive (eg, points or miles) corresponding to the product purchase of the community group member clients may be provided.

In addition, when the community group member clients purchase a product at a predetermined affiliated store, the server 100 may provide predetermined payment means information read from a predetermined payment approval request text corresponding to the product purchase of the community group member clients, and After reading the client information, in conjunction with the storage medium 105, the community group 120 corresponding to the read payment means information and / or the client information may be identified.

In addition, the server 100 interoperates with the storage medium 105 to check affiliate store information for selling the community group related products corresponding to the identified community group 120, and then reads from the full payment approval request message. It may be determined whether the affiliated store information matches the affiliated store information that sells the identified community group related product.

In addition, the server 100 provides the selected affiliated client client 110 with client information and / or payment means information of the community group member, thereby providing the affiliated client client with client information of the community group member and / or Or by storing payment means information, when the community group member clients purchase a product at a merchant, based on community group member client information and / or payment method information stored in the storage medium 105, You can make sure that you are a group member client.

Further, according to the present invention, the product includes an intangible service product including at least one type of product, and / or accommodation products provided by the accommodation facility, travel products provided by a travel agency, and insurance products provided by an insurance company. It is characterized by being made.

A client participating as a member of a predetermined community group shown in FIG. 1 is connected to the server 100 to process the establishment or joining of a predetermined community group 120, and the affiliated client client 110 It characterized in that it comprises a wired or wireless terminal for receiving the product information and the like provided through the server 100.

In addition, the affiliated client client 110 shown in FIG. 1 provides predetermined product selling condition information for the community group 120 and / or the community group member client to the server 100 according to the present invention. It is characterized by.

Here, the merchandise sales condition information provided by the affiliated store client 110 may be a predetermined merchandise discount condition, and / or a point or mileage providing condition, and / or the community group, which are applied when the merchandise is sold to the community group member clients. And at least one predetermined service provision condition provided to member clients, and may be applied when the community group member client purchases the community group related product at the affiliate store.

2 is a functional configuration diagram of the server 100 on the affiliated store selection system corresponding to a community according to a preferred embodiment of the present invention.

FIG. 2 includes the function of selecting a predetermined affiliated store corresponding to a community according to the present invention on the affiliated store selection system corresponding to the community through FIG. To this end, a more detailed description of a predetermined functional unit provided in the server 100 is given.

Referring to FIG. 2, a server establishment unit 215 for establishing a predetermined community group 120 in cooperation with at least two clients, for realizing a function of selecting a predetermined affiliated store corresponding to the community. ), The storage unit 220 and the community group related product which interoperate and store the community group member client information and / or payment means information owned by the clients and the community group information in a predetermined storage medium 105. It characterized in that it comprises a receiving unit 200 receives the product selling condition information for the community group member client from at least two merchant client 110 to sell the.

Preferably, the group establishment unit 215 is a client that wants to establish a specific community group 120 corresponding to a predetermined affiliate store according to the present invention through a predetermined terminal (wired or wireless terminal, etc.) In the case of requesting to establish a group by accessing the group), a group establishment interface based on the group establishment request may be provided to the client through the terminal, and at this time, a client who wants to establish the specific community group 120 may be provided. Receiving the predetermined community information to be established, it is characterized in that to establish a predetermined community group 120 based on the received community information.

Preferably, the storage unit 220 is a predetermined client participating in the group establishment process of the group establishment unit 215 and / or in the established specific community group 120 as a member client of the community group 120 Alternatively, in the joining process, the community group member client information and / or the payment means information owned by the clients and the community group information provided from the client are interlinked to be stored in a predetermined storage medium 105. do.

In addition, the storage unit 220, in the predetermined merchant selection process corresponding to the community group 120, according to the present invention, each of the product selling condition information from at least two or more merchant client 110, the receiving unit 200 When received through, compares the merchandise sales condition information provided by the at least two merchant client 110, when an affiliate store corresponding to the community group 120 is selected, the selected merchant information and presented from the merchant The commodity selling condition information may be stored in the storage medium 105 in association with the community group information.

Preferably, the server 100 compares product selling condition information provided by the at least two affiliated store clients 110 to select an affiliated store corresponding to the community group 120, wherein the community group 120 and / or may select a merchant client 110 that presents the most favorable conditions for the server 100.

For example, in the merchandise sales condition information provided by the at least two affiliated client clients 110, a discount on more products is provided and / or a discount rate on the corresponding goods is larger and / or includes various additional services. The affiliated store client 110 that presents the product sale condition information including the product sale condition may be selected as an affiliate store corresponding to the community group 120.

Referring to FIG. 2, after the affiliate store corresponding to the community group 120 is selected, the server 100 allows the community group member clients to purchase a predetermined product (eg, a community group related product) at the affiliate store. When the selected affiliated store information and the product selling condition information provided by the affiliated store are linked with the storage medium 105 stored in association with each other, the selected merchant information and the product selling condition corresponding to the product selling condition information presented by the affiliated store client 110 are provided. Accordingly, it may be configured to further include an incentive providing unit 240 for providing a predetermined incentive corresponding to the product purchase of the community group member clients.

Here, the incentive provided in response to the purchase of the products of the community group member clients may include points or miles and / or discounts and / or additional services (eg, providing coupons, prizes, etc.), etc., which are presented in the product selling condition information. It may include.

According to this figure, the server 100, when the community group member clients purchase a predetermined product at a merchant, the predetermined payment read from a predetermined payment approval request text according to the purchase of the product of the community group member clients A community group confirming unit 205 for reading the means information and / or the client information and confirming the community group 120 corresponding to the read payment means information and / or the client information in association with the storage medium 105. And affiliated with the storage medium 105, after confirming the merchant information for selling the community group related products corresponding to the identified community group 120, the merchant information read from the payment approval request message is confirmed. Merchants to determine if they match the information of merchants selling related community groups It can be configured to further include a unit (210).

Preferably, when the community group member clients purchase a predetermined product from the affiliate store, the affiliated store identification unit 210 is included in a predetermined payment approval request message according to the purchase of the product by the community group member clients. With reference to the information (eg, affiliated store code), affiliated store information for the affiliated store may be read from the full payment approval request.

In addition, the server 100 is linked with the storage medium 105, the product sales condition confirmation unit for confirming the predetermined product sales condition information processed in conjunction with the affiliated store information read through the affiliated store identification unit 210 225 may be further provided.

In addition, the server 100 further includes an information providing unit 230 providing client information and / or payment means information of the community group member to the affiliated store client 110 selected to correspond to the community group 120. Can be configured to

Preferably, the information providing unit 230 provides client information and / or payment means information of the community group member to the affiliated client client 110, so that when the community group member clients purchase a product at the affiliated store, The merchant client 110 may check whether the client purchasing the product is a member client of the community group 120 corresponding to the merchant.

According to FIG. 2, the server 100 receives a receiving unit 200 for receiving information related to the community group related product (or an affiliate store selling the product) from the affiliate store client 110 selling the community group related product. It is characterized by further comprising.

Here, the community group-related product (or affiliate store that sells the product) related information may include discount information and / or event information on sale of the community group, product price information on the community group, and use of the product related to the community group. Precautionary information and merchant location information for selling the community group related products.

The information providing unit 230 posts the community group related product (or affiliate store that sells the product) related information received through the receiving unit 200 to a bulletin board assigned to the community group 120, or And / or to the community member clients.

2, the affiliated store identification unit 210 may provide information related to the community group-related product (or an affiliate store that sells the product) in the affiliate store client 110 that sells the community group-related product. In this case, the affiliated store client 110 providing the information may check whether the affiliated store client 110 sells the selected community group related product in association with the storage medium 105.

In addition, the above-described information providing unit 230 is provided by the affiliated store client 110 when the information providing affiliated client client 110 is a predetermined affiliated store client 110 as a result of checking by the affiliated store identification unit 210. The community group related goods (or merchants selling the goods) related information may be posted on the bulletin board assigned to the community group 120, and / or transmitted to the community member clients.

In addition, according to FIG. 2, the server 100 provides predetermined information to the affiliated store client 110 with respect to providing information related to the community group related product (or an affiliated store selling the product) of the affiliated store client 110. It may be configured to further include a fee adding unit 235 for adding a fee (or fee).

On the other hand, the server 100 is characterized in that it comprises a recording medium on which a predetermined program is recorded in order to implement a merchant selection function corresponding to a community according to the present invention.

Preferably, the recording medium is located in a financial company server, including a card company server or a bank server, and / or mobile communication company server, and / or server 100 on the network, the predetermined interlocking with at least two or more clients A group establishment function for establishing a community group 120 of the group, and the community group member client information and / or the payment means information owned by the clients and the community group information are stored in a predetermined storage medium 105 by interworking with each other. A function of receiving product selling condition information for the community group member client from at least two affiliate store clients 110 selling the community group related product and the at least two product selling condition information Merchants corresponding to the community group 120 At the time of selection, a program for realizing the function of storing the selected affiliated store information and the merchandise selling condition information presented by the affiliated store in the storage medium 105 by linking with the community group information is recorded.

Here, the program recorded on the recording medium is a commodity sale corresponding to the product selling condition information presented by the affiliate client 110 in conjunction with the storage medium 105 when the community group member clients purchase the product at the affiliate store. And providing a predetermined incentive corresponding to the purchase of goods by the community group member clients according to the condition.

In addition, the program reads the predetermined payment means information and / or client information read from the full payment approval request in accordance with the purchase of the product of the community group member clients when the community group member clients purchase the product at the merchant Thereafter, in conjunction with the storage medium 105, a function of confirming the community group 120 corresponding to the read payment means information and / or client information, and in connection with the storage medium 105, the identified community After checking the merchant information for selling the community group-related goods corresponding to the group 120, the function to determine whether the merchant information read from the payment approval request full text is consistent with the merchant information for selling the identified community group-related goods It is characterized by further realizing.

In addition, the program has a function of reading a predetermined merchant information from a predetermined payment approval request text according to the purchase of the product of the community group member clients when the community group member clients purchase the product and the storage medium 105 In conjunction with the, characterized in that to further realize the function of confirming the predetermined product selling condition information processed in conjunction with the read the affiliated store information.

The program may further provide a function of providing the selected affiliated client client 110 with client information and / or payment means information of the community group member.

In addition, the program is a function for receiving information related to the community group-related goods (or merchants selling the goods) from the affiliated store client 110 that sells the community group-related goods and the received community group-related goods (or the Merchants selling goods) to post the information on the bulletin board assigned to the community group 120, and / or to the community member client characterized in that it further implements the function.

In addition, the program is linked to the storage medium 105 when providing information related to the community group related product (or the affiliated store selling the product) in the affiliated store client 110 selling the community group related product. The merchant client 110 that provides a function to check whether the affiliated client client 110 sells the selected community group-related goods and as a result of the check, the selected affiliated client client 110, the affiliated client 110 Further provides a function of posting information related to the community group related goods (or merchants selling the goods) to a bulletin board assigned to the community group 120 and / or transmitting the information to the community member clients. It is characterized by.

The program may further implement a function of adding a predetermined information providing fee (or fee) to the affiliated store client 110 providing the community group related product (or the affiliated store selling the product) related information. do.

3 is a functional configuration diagram of a predetermined payment terminal 115 provided in the affiliated store client 110 on the affiliated store selection system corresponding to the community according to the preferred embodiment of the present invention.

According to FIG. 3, the illustrated payment terminal 115 (eg, a payment terminal such as a credit card payment terminal, a wireless payment terminal, a POS terminal, and a terminal device including an ATM, KIOSK, etc.) may include a control unit 300 and a memory ( 305, and may further include power to the card reader 330, the screen output unit 310, the key input unit 315, the transaction communication unit 325, the print output unit and the payment terminal 115. It may be configured to further include a power supply for supplying.

Referring to FIG. 3, the control unit 300 of the payment terminal 115 controls the overall operation of the payment terminal 115 in a functional configuration (for example, when the client processes payment, the payment client interlocks with the memory 305). Control the process of checking whether the client is a specific community group member), and manages the flow of information or data between each component, and controls at least one or more components provided in the payment terminal 115 for this purpose. do.

Preferably, the controller 300 inputs at least one processor and an execution memory 305 (e.g., a register) and predetermined data in hardware, including a Central Processing Unit (CPU) / Micro Processing Unit (MPU). It includes a bus for outputting (BUS) and at least one electronic circuit (or integrated circuit) therefor.

In addition, the controller 300 shown in FIG. 3 loads the processor and the processor from a predetermined recording medium included in the payment terminal 115 to perform the software-specific function. It comprises a predetermined program routine (Routine) and / or program data that is arithmetic processing by. The control unit 300 may include a predetermined operating system and / or a terminal control program routine for managing the payment terminal 115 after the payment terminal 115 is booted by software.

In more detail, the control unit 300 of the payment terminal 115 may include a memory 305 for storing client information and / or payment means information of the specific community group member during payment processing of the client of the specific community group member; By interlocking, the client information and / or payment means information of the client requesting the payment processing may be checked to match the client information and / or payment means information of the specific community group member.

Referring to FIG. 3, the memory 305 of the payment terminal 115 may be configured such that the controller 300 has a predetermined control function (for example, a card information reading function, client information of a client requesting payment processing, and / or payment means information). It stores at least one or more information or data required to perform the verification function, the professional creation function, etc., and the hardware EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), HDD (Hard Disk Drive) It includes at least one or more storage means including, and the predetermined program routine and program data (eg, the program routine) required for the control unit 300 to perform a predetermined control function by software performs a predetermined function. To be input or output).

According to a preferred embodiment of the present invention, the memory 305 stores client information and / or payment means information of a specific community group member, and client information and / or payment means information of the specific community group member. May be stored in the form of a predetermined corresponding code.

Here, the client information and / or payment means information of the specific community group member is obtained from the server 100 described in FIG. 2 through a network, or is located on a higher network of the payment terminal 115 (or Server) or through key operation of the payment terminal 115 operator or memory 305 update and the like, and stored in the memory 305.

Also, the memory 305 of the payment terminal 115 may further include predetermined product selling condition information applied when the specific community group member client purchases the product, wherein the product selling condition information is the community group member. At least one product discount condition and / or points or mileage provision condition and / or a predetermined service provision condition provided to the community group member clients may be included.

The card reader unit 330 of the payment terminal 115 reads at least one or more information or data from the payment means of the client during the payment processing of the client according to the preferred embodiment of the present invention.

Here, the card reader unit 330 provides an interface between the card and the payment terminal 115, the MS to interface the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the payment terminal 115 Contact IC reader unit and / or contactless IC card based on ISO / IEC 14443 that interfaces the reader IC and / or an integrated IC card based on the ISO / IEC 7816 standard with the payment terminal 115. And a contactless IC reader unit for interfacing with the payment terminal 115.

In more detail, the MS reader of the card reader 330 is a card reader 330 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil. When the MS card on which predetermined information (for example, magnetized binary information) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card on which predetermined information is recorded). The predetermined information or data is interfaced to the payment terminal 115 from at least one track included in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head.

In addition, the contact IC reader unit is a card reader unit 330 based on ISO / IEC 7816. The contact IC reader unit includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It is included, the power supply to the IC chip of the IC card through the contact point, predetermined information or data from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) Interface to the payment terminal 115.

In addition, the non-contact IC reader is a card reader 330 based on ISO / IEC 14443. The non-contact IC reader is a non-contact electrical contact with the non-contact IC card using capacitive coupling and / or inductive coupling. It comprises at least one antenna, the power supply to the IC chip of the IC card through the antenna, and predetermined information or data from the IC chip through the half-duplex transaction using the APDU Interface to payment terminal 115.

The screen output unit 310 of the payment terminal 115 shown in FIG. 3 includes a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 300 in the payment terminal 115. Outputs at least one or more information or data which are predefined or are defined in real time to be output to a predetermined screen output means, and the key input unit 315 is provided to the information or data which is predefined to be output on the screen by the payment terminal 115. Key data input through the information, information stored or generated by the components provided in the payment terminal 115, information transmitted and received through the transaction communication unit 325, a predetermined operation performed by the payment terminal 115 It may include data corresponding to the result.

According to the present invention, the screen output unit 310 is the client information and / or payment means information of a specific community group member stored in the memory 305 during the payment means (eg, card) payment process of the client May be output to a predetermined screen output means provided in the payment terminal 115, and the client information and / or payment means information of the specific community group member and the payment means information read from the payment means of the payment client. The comparison process may be output through the screen output means.

The key input unit 315 of the payment terminal 115 includes a predetermined key including a plurality of number keys, a character key for inputting a character, a function key, and the like. From the input means, the operator of the payment terminal 115 and / or the payment client inputs the corresponding key data (Key Data) generated by clicking a predetermined key to the controller 300, and the controller 300 is a key input unit. The key data input through 315 is read and associated with at least one or more components provided in the payment terminal 115 to control predetermined functions and / or predefined tasks corresponding to the key data.

The transaction communication unit 325 of the payment terminal 115 provides a communication means for performing a transaction function (eg, a payment transaction function between the payment terminal 115 and the server 100) included in the payment terminal 115. And at least one wired network including a hardware added value added network (VAN), a financial common network or an asymmetric digital subscriber line (ADSL), and at least one wireless network including a mobile communication network or a wireless data communication network. Transaction communication with an external communication device is performed through a network communication unit 325 providing transaction communication with a server 100 on a wired or wireless network and / or a predetermined cable communication port (eg, RS-232c, Universal Serial Bus (USB), etc.). Provided cable communication unit 325 and / or infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi) It may be configured to include a short-range communication unit 325 for providing transaction communication with the local area communication device through at least one or more short-range wireless communication, including, and may include a communication protocol and communication application for providing transactional communication in software. have.

According to a preferred embodiment of the present invention, the transaction communication unit 325 (more specifically, the network communication unit 325) may be connected with client information and / or payment means information of a specific community group member generated in the payment terminal 115. The payment approval request message including comparison confirmation information or payment means information read from the payment means of the payment client is transmitted to at least one wired network through at least one wired network including a VAN, a financial community network, or an ADSL.

The print output unit 320 of the payment terminal 115 generates and / or generates a process of performing a predetermined function and / or a task using a payment means (eg, a card, etc.) at the payment terminal 115. A printing protocol and a printing apparatus for outputting predetermined information or data to a predetermined printing output means (for example, a receipt printing apparatus), and for printing the printing information or data through a predetermined printing apparatus in accordance with a predefined printing form. It can be configured to include a driver.

Meanwhile, in addition to the components shown in FIG. 3, the payment terminal 115 may include an infrared communication unit 325 and / or a secure application module (SAM) and / or the payment terminal for wireless or infrared payment. If 115) is an ATM, it can be configured to include a bill dispenser for cash payment (and a bill dispenser for cash deposit) and the like will be apparent to those of ordinary skill in the art. Omit it.

In addition, the payment terminal 115 shown in Figure 3 is characterized in that it comprises at least one or more POS terminal, ATM, KIOSK.

4 is a simple flowchart of a process for selecting an affiliate store corresponding to a community according to a preferred embodiment of the present invention.

4 illustrates the establishment of a predetermined community group 120 by interworking with at least two clients in the server 100 and interconnecting the community group member client information and / or payment means information owned by the clients and the community group information. Process and store and select a merchant corresponding to the community group 120 by comparing at least two product sales condition information provided by at least two merchant clients 110, and present the selected merchant information and the merchant. And a process of storing one commodity selling condition information in association with the community group information and storing the commodity selling condition information in the storage medium 105.

Referring to FIG. 4, the illustrated embodiment may be started from a process of establishing a community group 120 composed of at least two clients in the server 100 (400).

In this case, the community establishment process may be processed through the group establishment unit 215 described above, and at this time, community group information and / or community group member information and / or member established through the group establishment unit 215. The payment means information may be cooperatively processed and stored in a predetermined storage medium 105 through the storage unit 220 of the server 100.

When at least two affiliated store clients 110 selling the community group related products are connected to the server 100 (405), the receiver 200 of the server 100 connects to the affiliated store client 110. Receive predetermined product sales condition information from the (410).

Here, the product sale condition information provided by the at least two affiliated store clients 110 is information provided by the affiliated store client 110 to attract the opened community group member client (eg, inducement of purchase at the affiliated store). In this regard, a predetermined product discount condition, and / or a point or mileage providing condition, and / or a predetermined service providing condition provided to the community group member clients are applied to the community group member clients. can do.

Then, the storage unit 220 of the server 100 compares (415) at least two or more product sales condition information provided by the at least two affiliated store clients 110, the community group 120 and / or An affiliate store that presents the most favorable merchandise sales condition to the server 100 is selected as an affiliate store corresponding to the community group 120 (420).

When the affiliated store corresponding to the community group 120 is selected according to the above process (425), the storage unit 220 of the server 100 displays the selected affiliated store information and the merchandise sales condition information presented by the affiliated store. In operation 430, the storage medium 105 is stored in association with the community group information and the client payment method information.

Subsequently, when the member client of the community group 120 purchases the community group related product or uses the related service at the affiliate store, the affiliated store payment terminal 115 uses the payment means from the payment means of the community group member client. Reads the information, generates a full payment approval request according to the information and transmits it to the server (100).

Then, the receiving unit 200 of the server 100 receives from the merchant payment terminal 115 the full payment approval request message corresponding to the use of the payment means of the client included in the community group 120 (435), The community group confirming unit 205 of the server 100 checks the community group 120 corresponding to the payment means information with reference to the payment approval text received by the receiving unit 200 (440).

When the community group 120 corresponding to the payment means information of the client is confirmed through the community group confirming unit 205, the affiliated store checking unit 210 of the server 100 determines the storage medium 105. In operation 445, affiliated store information corresponding to the community group 120 is confirmed (445).

If the comparison result 450 of the merchant information corresponding to the community group 120 extracted in cooperation with the payment means using the client and the storage medium 105 of the client, if the mutual match (455), the server 100 The merchandise sales condition checker 225 extracts the merchandise sales condition information stored in association with the community group corresponding affiliate information in association with the storage medium 105 and applies the extracted merchandise sales condition information to the community group member client (460).

For example, the incentive providing unit 240 of the server 100 provides a predetermined incentive to the community group member client based on the product selling condition information of the affiliated store extracted through the product selling condition checking unit 225. can do.

In addition, although not shown in the present embodiment, the affiliated client 110 associates the community group related product (or an affiliated store that sells the product) to the community group 120 and / or a community group member client corresponding to the affiliated store. In this case, the fee adding unit 235 of the server 100 may provide a predetermined amount of information to the affiliated store client 110 that provides information related to the community group related product (or an affiliate store selling the product). Information provision fees (or fees) may be added.

5 is a simple flowchart illustrating a process of identifying a community group member at the affiliated store after selecting an affiliated store corresponding to a community according to a preferred embodiment of the present invention.

FIG. 5 illustrates a predetermined community group 120 established in cooperation with at least two clients in the server 100 and a corresponding affiliate store is selected through the server 4. The community group information and / or community group member information is provided to the affiliated merchant payment terminal 115, and the community group information and / or community group member information is stored in the payment terminal 115.

Referring to FIG. 5, the embodiment shown in FIG. 5 is a predetermined community group 120 composed of at least two or more clients in the server 100 through processes 400 to 420 described above with reference to FIG. 4. ) And sells at least two or more merchandise provided by the at least two or more affiliate client clients 110 by receiving predetermined product selling condition information from at least two or more affiliate client clients 110 selling the community group related products. By comparing the condition information, it may be started from the process of selecting an affiliated store corresponding to the community group 120 to select an affiliated store that presents a product sales condition most advantageous to the community group 120 and / or the server 100. 500.

When the affiliated store corresponding to the community group 120 is selected through the above process, the storage unit 220 of the server 100 stores the selected affiliated store information in association with the community group information and the client payment means information. (505).

Then, the information providing unit 230 of the server 100 provides the community group information and client payment means information to the payment terminal 115 of the selected merchant (510), payment terminal 115 of the merchant Stores the community group information and / or client payment means information provided from the server 100 in a predetermined memory 305 provided in the payment terminal 115 (515).

Subsequently, when the payment means of the client is used at the affiliated store (520), the payment terminal 115 of the affiliated store reads the payment means information from the payment means of the client (525), and transmits to the payment terminal 115. In operation 530, the community group information and / or the client payment means information corresponding to the read payment means information is linked to the provided memory.

If the community group information and / or client payment means information corresponding to the read payment means information is retrieved in the memory (535), the payment terminal 115 sells the goods stored in association with the community group corresponding affiliate information. Condition information is extracted and applied to the payment client.

As described above, applying the extracted product selling condition information to the payment client (community group member client) may include applying a discount rate and / or providing points (or mileage) for the product purchased by the community group member client. It may include.

According to the present invention, the community group is compared with at least two or more product sales condition information provided from at least two merchants providing product sale condition information for a predetermined community group member established in association with at least two or more clients. By selecting a merchant corresponding to the, the operator (financial company) can achieve the activation of the community with the purchasing power, there is an advantage that can be expected to generate revenue accordingly.

In addition, there is an advantage that can generate additional revenue by providing community-related product information from a plurality of community-related product sellers.

In addition, the community-related merchandise sellers have the advantage of increasing sales and securing by linking with a community capable of purchasing.

Claims (18)

A server on a network for interworking predetermined community group member client information, payment means information owned by the clients, and the community group information in a predetermined storage medium; And And at least two affiliated store client terminals for selling the community group related products for providing the product sales condition information to the community group members to the server. The server, When selecting an affiliate store corresponding to the community group by comparing at least two product sale condition information provided from the at least two affiliate store client terminals, the selected affiliate store information and the product sale condition information presented by the affiliate store are included in the community group. The affiliated store selection system corresponding to the community, characterized in that the processing in connection with the information stored in the storage medium. The method of claim 1, wherein the server, A group establishment unit for establishing a community group in association with at least two clients; A storage unit for interworking the community group member client information and / or payment means information owned by the clients and the community group information on a predetermined storage medium; And And a receiving unit receiving product selling condition information for the community group member from at least two affiliate store clients selling the community group related product. The storage unit, when the affiliated store corresponding to the community group is selected by comparing the at least two product sale condition information, the selected affiliated store information and the product sale condition information presented by the affiliated store are processed in association with the community group information. A merchant selection system corresponding to the community, characterized in that the storage in the storage medium. The method of claim 1, wherein the server, When the community group member clients purchase a product at a merchant, And an incentive providing unit which provides a predetermined incentive corresponding to a product purchase of the community group member clients according to a product selling condition corresponding to the product selling condition information presented by the affiliated store client in association with the storage medium. Merchant selection system corresponding to community characterized by. The method of claim 3, wherein the incentive is Merchant selection system corresponding to the community, characterized in that made up points or miles. The method of claim 1, wherein the server, When the community group member clients purchase a product at a merchant, After reading the predetermined payment means information and / or client information read from the predetermined payment approval request message in accordance with the purchase of the product of the community group member clients, and in conjunction with the storage medium, the read payment means information and / Or a community group confirming unit identifying a community group corresponding to the client information; And After confirming affiliated store information for selling the community group related product corresponding to the identified community group in association with the storage medium, the affiliated store information read from the payment approval request text message is sold. And an affiliated store identification unit that determines whether or not the information is matched with the affiliated store information. The method of claim 1, wherein the server, When the community group member clients purchase a product at a merchant, An affiliated store confirmation unit configured to read predetermined affiliated store information from a predetermined payment approval request message according to the purchase of the product by the community group member clients; And And a merchandise sales condition confirming unit confirming predetermined product sales condition information linked to the read affiliated store information in association with the storage medium. The method of claim 1, wherein the server, And an information providing unit configured to provide the client information and / or payment means information of the community group member to the selected affiliated store client. The method of claim 1, wherein the merchant client, When the server provides the client information and / or payment means information of the community group members, A storage unit which stores client information and / or payment means information of the community group member in a predetermined storage medium; And And a confirmation unit for confirming whether the product purchase client is the community group member based on community group member client information and / or payment means information stored in the storage medium when the community group member clients purchase a product at a merchant. A merchant selection system corresponding to the community, characterized in that. The method of claim 8, wherein the storage medium, A merchant selection system corresponding to the community, characterized in that comprises a payment terminal provided in the affiliated store. The product sales condition information according to any one of claims 1 to 9, At least one predetermined discount condition and / or points or mileage providing condition and / or predetermined service providing condition to the community group members. A merchant selection system corresponding to the community, characterized in that. The method of claim 1, wherein the server, A receiving unit for receiving the community group related goods (or the merchant selling the goods) related information from the affiliated shop client that sells the community group related goods; And And an information providing unit for posting the received community group related product (or affiliated store selling the product) information on a bulletin board assigned to the community group and / or transmitting to the community member clients. A merchant selection system corresponding to the community, characterized in that. The method of claim 1, wherein the server, When providing information related to the community group-related product (or affiliate store that sells the product) in the affiliated store client that sells the community group-related product, An affiliated store identification unit for confirming whether an affiliated store client providing the information is an affiliated store client selling the selected community group related product in association with the storage medium; And As a result of the checking, in the case of a pre-selected merchant client, the community group related product (or merchant selling the product) provided by the merchant client is posted on the bulletin board assigned to the community group, and / or the And an information providing unit for transmitting to the community member clients. The method of claim 11 or 12, wherein the server, A merchant corresponding to the community, characterized by further comprising a fee addition unit for adding a predetermined information provision fee (or fee) to the affiliated store client that provides the community group related product (or the affiliate store that sells the product) related information. Selection system. The method according to claim 11 or 12, wherein the community group related product (or affiliated store that sells the product) related information, Discount information and / or event information for sale related to the community group; Commodity price information related to the community group, Information on the precautions when using the product related to the community group, And affiliated store location information for selling the community group related products. The method of claim 1, wherein the client, A merchant selection system corresponding to the community, characterized in that the wire or wireless terminal comprises. The method of claim 1, wherein the payment means of the client, A merchant selection system corresponding to a community, comprising at least one credit card payment means, financial account payment means, debit card payment means, prepaid card payment means, electronic money payment means, mobile payment means. The method of claim 1, wherein the server, And a financial company server including a card company server or a bank server, a mobile communication company server, and at least one server on a network. The product of claim 1, wherein Corresponding to the community comprising a tangible product, and / or intangible service products including at least one of the accommodations provided by the accommodation, travel products provided by the travel agency, etc., insurance products provided by the insurance company Merchant selection system.

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