KR20060111874A - System and method for selecting specified store for using payment means, recording medium and information storing medium - Google Patents

Abstract

A system and a method for selecting a specified shop for using a payment tool, and a recording medium for the same are provided to enable clients to obtain an optimal incentive condition from more than two seller and/or member shop clients by generating total usage information of a settlement tool from purchase contract information received from the clients and offering the generated information to the seller and/or member shop clients. The recording medium stores a program for generating the total usage information for specific goods and/or member shop of the specific settlement tool for a period by reading the purchase agreement information received from the clients. The program posts the generated total usage information to a webpage, or provides the generated total usage information to at least two seller and/or member shop clients selling the specific goods. The program receives at least two incentive providing condition information corresponding to the total usage information from at least two seller and/or member shop clients. The program selects the seller and/or member shop client offering the highest valuable incentive providing condition information among the received incentive providing condition information.

Description

 System and Method for Selecting Specified Store for Using Payment Means, Recording Medium and Information Storing Medium}

1 is a simplified block diagram of a system for selecting a particular vendor using a payment method according to a preferred embodiment of the present invention.

2 is a simple flowchart of a process of selecting a specific vendor using a payment means according to a preferred embodiment of the present invention.

3 is a simple data table for purchase agreement conclusion condition information that may be provided from the server to the plurality of client terminals according to the preferred embodiment of the present invention.

4 is a simple data table for total usage amount information according to a preferred embodiment of the present invention.

5 is a simple data table for incentive provision condition information provided by a particular merchandise sales client and / or merchant client in accordance with a preferred embodiment of the present invention.

6 is a simple flowchart of a process until a predetermined incentive corresponding to the incentive provision condition information is provided according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: information provider

110: information generating unit 115: dealer selection unit

120: contract conclusion unit 125: storage unit

130: calculating unit 135: comparison unit

140: incentive providing unit 145: storage medium

150: specific product distributor

In accordance with the purchase agreement information provided from a plurality of clients, the present invention provides a total amount of usage (or total purchase) of the plurality of clients using (or purchasing) at least one or more specific products and / or affiliates through a specific payment method for a certain period of time. Amount) information, providing the generated total usage amount (or total purchase amount) information to at least one seller (or merchant) of the at least two specific products, and from the seller (or merchant) of the at least two specific products The present invention relates to a method and a system for selecting a particular vendor using a payment method for obtaining optimal incentive condition information.

With the development of financial infrastructure, such as online and offline, the card as a payment method has a great impact on the economic society. These cards caused the problem of mass production of bad credit, but made significant contributions in terms of consumer economic development.

As the card industry grows in size, card operators are developing and promoting various card products to attract more customers. However, the development of card products to meet the growing needs of the customer (Needs) took a lot of time and development costs, and even if developed, must bear a small marketing cost for product promotion.

In such a situation, in particular, card companies have been cooperating with specific product sellers, issuing predetermined affiliate cards for product promotion, etc., and have taken the form of sharing the expenses for marketing and the like (eg, card companies and products). Seller 5: 5, etc.).

However, some of the well-known franchisees have turned the expenses of the issuance of affiliate cards into the share of the card companies, and it is virtually impossible for affiliates to expect better sales through alliance with the card companies. It was.

An object of the present invention to solve the above problems, according to the purchase agreement information provided from a plurality of clients, the plurality of clients for a period of time using at least one or more specific goods and / or merchants through a specific payment means ( Or at least two or more merchandise sales clients and / or at least two to sell the specific merchandise, generating total usage amount (or total purchase amount) information, and the generated total usage amount (or total purchase amount) information. Provided to the merchant client, to provide a method and system for selecting a particular merchant using the payment means to obtain the optimal incentive condition information from the at least two or more product sales client and / or at least two or more merchant clients.

It is also an object of the present invention to provide a computer readable recording medium having recorded thereon a program for executing the payment means selection process using the payment means.

In order to achieve the above object, a method of selecting a particular merchant using payment means, which is provided through the present invention, uses a specific payment means to allow a plurality of clients to use at least one or more specific products and / or merchants for a predetermined period of time (or a predetermined amount). When providing the purchase agreement information to be purchased, the purchase agreement information provided by the plurality of clients is read by a server on a network, so that the plurality of clients use the specific payment means for a certain period of time to collect the at least one specific product and / or merchant total. Usage amount (or total purchase amount) information—Total usage amount (or total purchase amount) calculated by adding up the usage amount (or purchase amount) of the specific product and / or affiliate store for a predetermined period provided by the plurality of clients, respectively. Information-generating total usage information generating step; Post the total usage amount (or total purchase amount) information of the specific product and / or affiliate store generated in the total usage information generation step on the web page, or the total usage amount (or total) of the specific product and / or affiliate store Total amount information providing step of providing purchase amount information to at least two or more product selling clients and / or at least two or more merchant clients selling the specific product, and at least two selling the specific product on the server. An incentive condition receiving step of receiving a predetermined incentive providing condition corresponding to a purchase agreement provided by the plurality of clients from at least one merchandise selling client and / or at least two or more affiliated store clients and the incentive condition receiving step at the server One or more incentive offer terms and conditions It characterized in that the value of the incentive to be provided in response to the purchase agreement information comprises the highest product incentives provided by the condition information selling client and / or the payment method selected for use destination determining a merchant client.

According to the present invention, at least one or more specific products described herein may be provided by a product of a type including a petroleum product including gasoline, kerosene, diesel, and / or accommodation provided by a lodging facility, a travel agency, or the like. It is preferable to include an intangible service product including at least one travel product or insurance product provided by an insurance company.

In addition, according to the present invention, the affiliated store described in the present specification, a refinery that sells petroleum products, large discount marts, large stores such as department stores, restaurants, hotels, such as hotels, travel agencies that sell travel products And it is preferable to include at least one insurance company selling insurance products and the like.

Further, according to the present invention, at least two or more commodity sales clients and / or at least two or more merchant shop clients described herein may be provided with a refinery client selling petroleum products, a large discount mart client, a large store such as a department store. It is preferable to include at least one client, a restaurant client, a hotel client such as a hotel, a travel agency client selling travel goods, and an insurance company client selling insurance goods.

In addition, the present invention uses the at least one or more specific merchants (or specific goods) selection condition information and specific merchants (or specific goods) to the plurality of clients in order to conclude a predetermined purchase agreement with the plurality of clients in the server. Providing at least one purchase agreement conclusion condition information including period selection condition information and at least one use amount selection condition information, and at least one purchase agreement based on the purchase agreement agreement condition information at the plurality of clients; And providing at least one or more specific target merchant (or specific product) selection information, usage period selection information, and usage amount selection information to the server.

Here, the server includes at least one or more specific merchant (or specific product) selection condition information, specific merchant (or specific product) use period selection condition information, and use amount selection condition information to the plurality of clients. In the providing of the predetermined purchase agreement conclusion condition information, it is preferable that the server provides the purchase agreement agreement condition information to the client through a wired or wireless communication network.

In addition, the present invention may be configured to further include the step of storing the purchase agreement information provided by the plurality of clients in the server in association with the client customer information and / or payment means information in a predetermined storage medium.

In addition, the present invention, when the at least two or more clients that provided the purchase agreement information to use the payment means at a particular product sales destination (or affiliated store) selected in the payment means using the destination selection step, the selected product sales client and And / or extract information on the amount of money used by the particular merchandise distributor (or merchant) from among the details of payment means of the plurality of clients in order to provide predetermined incentives provided by the merchant client to the plurality of clients. Thereafter, summing the amount of usage information of the extracted plurality of specific merchandise distributors (or affiliated stores) to calculate the total amount of usage of the plurality of clients at the specific merchandise distributors (or affiliates) for a predetermined period of time; The total amount of use information and the total difference Comparing the total amount of money generated in the amount information generation step and according to the comparison result, the server corresponding to the incentive provision conditions provided by the product sales client and / or merchant client selected in the payment method destination selection step Providing an incentive to the plurality of clients.

Preferably, in the server, the plurality of clients provide the at least one specific product and / or affiliate store total use amount (or total purchase amount) information by using the specific payment means for a predetermined period of time, provided by the plurality of clients. The purchase agreement information may be read to generate total usage amount (or total purchase amount) information for each specific product and / or affiliate store.

Preferably, in presenting the total usage amount (or total purchase amount) information of the specific product and / or affiliate store generated by the server, the total usage amount (or total purchase amount) information is provided for each specific product and / or affiliate store. You can post it on a web page.

Preferably, in receiving the incentive condition, when the total usage amount (or total purchase amount) information is posted on a web page, at least a product selling client and / or at least two merchant clients selling the specific product With reference to the posted total usage amount (or total purchase amount) information by accessing the server, a predetermined incentive provision condition corresponding to a purchase agreement provided by the plurality of clients may be presented to the server.

Preferably, in selecting the payment means using the payment means in the server, by comparing at least two or more incentive provision condition information received from at least a product sales client and / or at least two or more merchant clients selling the particular product The incentive condition for extracting incentive provision condition information having the highest value of the incentive provided corresponding to the purchase agreement information may be compared.

In addition, in selecting the payment means using the payment means in the server, a predetermined purchase contract between the server and the selected merchandise sales client and / or merchant client-the plurality of clients a certain amount of time (or purchase amount) May sign a contract to provide certain incentives.

In addition, in selecting the payment means using the payment means in the server, the selected product sales client and / or merchant client information and the incentive provision condition information in the purchase agreement information and / or the plurality of client information (And / or the client payment means information) can be stored in a predetermined storage medium.

On the other hand, the present invention is characterized in that it comprises a computer-readable recording medium that records a program for executing the payment process selection process using the particular means.

Hereinafter, a process of selecting a particular vendor using a payment method according to the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to components 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.

Figure 1 is a simplified block diagram of a system for selecting a particular vendor using a payment method according to a preferred embodiment of the present invention.

Referring to FIG. 1, the illustrated payment means using specific seller selection system, in conjunction with the server 100 on the network, by using a specific payment method for a certain amount of at least one or more specific products and / or merchants 150 for a certain period of time ( Or at least two or more client terminals providing purchase agreement information (or purchase agreement selection information) to the server 100 and the purchase agreement information provided or selected by the plurality of client terminals. The total amount of use (or total purchase amount) of the at least one or more specific products and / or merchants 150 is provided by the plurality of clients using a specific payment method for a certain period of time. Total usage amount calculated by adding up the usage amount (or purchase amount) of the product and / or merchant 150 ( At least two or more merchandise sales clients and / or at least two to post the generated total usage amount (or total purchase amount) information on a web page, or sell the specific product. The server 100 providing the at least one affiliated client client and the server 100, in connection with the server 100, provide the server 100 with a predetermined incentive providing condition corresponding to the total usage amount (or total purchase amount) information. It may be configured to include at least two or more merchandise sales client and / or at least two or more merchant clients selling a particular product.

Here, the client terminal may include a wired terminal or a wireless terminal, in order to provide the purchase agreement information (or purchase agreement selection information) to the server 100, at least one specific merchant from the server 100 (Or a specific product) is provided with the predetermined purchase agreement conclusion condition information including at least one or more information including the selection condition information, the specific merchant (or the specific product) period of use selection condition information and the use amount selection condition information; Based on the condition information, at least one or more purchase agreement conclusion target specific affiliate (or specific product) selection information, usage period selection information, and usage amount selection information may be provided to the server 100.

Here, at least two or more merchandise sales clients and / or at least two or more merchant shops selling the particular merchandise may include a refinery client selling petroleum products, a large discount mart client, a large store client such as a department store, a restaurant client, It may comprise at least one or more client companies, such as hotels, hotels, travel agency to sell travel products, insurance company clients to sell insurance products and the like.

In addition, according to FIG. 1, the illustrated server 100 includes a financial company server 100 including a card company server 100 or a bank server 100, a mobile communication company server 100, and a server 100 on a network. And selling at least two or more products for selling the specific product based on the total amount of use (or total purchase amount) information calculated based on purchase agreement information provided by the at least two clients. Incentives among at least two incentive offer conditions information provided to clients and / or at least two merchant clients and provided by at least two or more merchandise sales clients and / or at least two or more merchant clients selling the particular product; Product sales client and / or merchant class that provided the highest value incentive offer information. It is characterized by selecting the client.

Here, the server 100 preferably has a predetermined function unit in order to realize the above-described function.

Referring to FIG. 1, the functional unit provided in the server 100 will be described in more detail. The server 100 works in conjunction with the plurality of client terminals to select the purchase agreement information (or purchase agreement) from the client terminal. Information) and the purchase agreement information (or purchase agreement selection information) received through the interface unit 1, and the plurality of clients use a specific payment means for a certain period of time. Total usage amount (or total purchase amount) information of the at least one specific product and / or merchant 150 (eg, the amount of use of the specific product and / or merchant 150 for a period of time provided by the plurality of clients, respectively) Information generating unit 110 and the information generating unit 110 for generating total usage amount (or total purchase amount) information calculated by summing (or purchasing amount). Information providing unit for posting the generated total usage (or total purchase amount) information on a web page, or to at least two or more product sales clients and / or at least two merchant clients that sell the particular product ( 105) and at least two or more incentive offer condition information corresponding to the total usage amount (or total purchase amount) information from at least two or more product sales clients and / or at least two or more merchant clients selling the particular product. Selects a merchandise sales client and / or a merchant client providing the incentive providing condition information having the highest incentive value among the receiving interface unit 2 and at least two or more incentive providing condition information received through the interface unit 2. Using a particular means of payment selector 115 It can be done by.

Here, the interface unit 1 of the server 100 may be configured to transmit the at least one client to the plurality of client terminals connected to the server 100 such that the plurality of clients create the purchase agreement information (or purchase agreement selection information). It is possible to provide predetermined purchase agreement conclusion condition information including at least one specific merchant (or specific product) selection condition information, specific merchant (or specific product) use period selection condition information, and at least one use amount selection condition information. have.

In this case, the interface unit 1 may include at least one purchase agreement conclusion target specific merchant (or specific product) selection information and use period selection information provided from the plurality of client terminals based on the purchase agreement conclusion condition information; Usage amount selection information may be received.

In the process of generating the total usage amount (or total purchase amount) information, the information generation unit 110 of the server 100 firstly purchases the purchase agreement information (or purchase agreement selection information) provided from the plurality of client terminals. At this time, the information generation unit 110 checks the purchase price and / or the specific merchant use amount of a specific product for a certain period included in the purchase agreement information, by the specific product and / or specific merchants The purchase amount (or use amount) for each item is classified, and the purchase amount (or use amount) classified for each specific product and / or specific affiliate store is added and processed, respectively, so that the total use amount (or for each specific product and / or affiliate store 150). Total purchase price) information.

The information providing unit 105 of the server 100 posts the total usage amount (or total purchase amount) information generated by the information generation unit 110 on the web page, and the total usage amount (or total) Purchase amount) information may be classified on a specific product and / or affiliated basis and posted on the web page.

The payment means using the payment means selecting unit 115 of the server 100 is the product sales client and / or merchant client of the at least two or more incentive providing condition information received from at least two or more product sales client and / or merchant client The product sales client and / or the merchant client providing the most valuable incentive provision condition information is selected in response to the total usage information provided by the controller.

Here, in the process of selecting the high-value incentive provision condition information from the at least two incentive provision condition information received from the at least two or more product sales client and / or merchant client, the payment means using the specific sales destination selector 115 The electronic device may further include an incentive condition comparison unit for extracting incentive providing condition information having the highest value of the incentive provided corresponding to the purchase agreement information.

In addition, referring to Figure 1, the server 100 is a predetermined purchase contract (for example, the plurality of clients with the merchandise sales client and / or merchant client selected through the payment means using a particular sales destination selection unit 115) It may be configured to further include a contract conclusion unit 120 to conclude a contract to provide a predetermined incentive when using a certain amount of use (or purchase amount) for a certain period of time.

In addition, the server 100 stores a storage unit 125 that stores the purchase agreement information provided by the plurality of client terminals in association with the client customer information and / or payment means information and stores them in a predetermined storage medium 145. It can be configured to further include.

In addition, the storage unit 125 provides product sales client and / or merchant client information selected through the payment means use specific seller selection unit 115 and incentives presented by the selected product sales client and / or merchant client. The condition information may be stored in a predetermined storage medium 145 in association with the purchase agreement information and / or the plurality of client information (and / or the client payment means information).

In addition, referring to FIG. 1, when the at least two or more clients who provided the purchase agreement information use the payment means at the selected specific merchandise distributor (or affiliated store) 150, the plurality of clients may be used. After extracting the use amount information from the specific product seller (or affiliated store) 150 of the payment means usage history of the respective, and then use the amount of money information from the extracted plurality of specific product sellers (or affiliates) 150 Computing unit 130 for calculating the total amount of use of the plurality of clients at the specific product sales company (or affiliated store) 150 for a period of time and comparing the calculated total amount of use information with the total amount of use according to the purchase agreement According to the comparison unit 135 and the result of the comparison, the incentive provision group provided by the selected product sales client and / or merchant client It may be configured to further include an incentive providing unit for providing an incentive corresponding to the case to the plurality of clients.

In another preferred embodiment, the calculation unit 130 in the process of calculating the total amount of use of the specific product sales company (or merchant) 150 for a predetermined period of time, the plurality of clients, the specific product retailer (or merchant) ), The product sold at 150 is a single product (the amount of merchant use = the amount of product purchase) and / or the specific product contracted is for all product groups (e.g. gasoline, kerosene, diesel, etc.) sold by the merchant. In this case (the amount of merchant use = product purchase amount), the total amount of use can be calculated by confirming the purchase amount of a specific product at the specific product vendor (or merchant) 150.

In addition, the specific product sales source (or affiliated store) 150 or the specific product purchase customer may directly provide the server 100 with the total amount used by the specific product sales source (or affiliated store) 150 for the predetermined period. State that it may.

In addition, the payment means of the client is characterized in that it comprises 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.

Preferably, the embodiments described herein are to be understood not to be limited to a particular form, but rather include all modifications, equivalents, and substitutions within the spirit and scope of the invention as defined by the appended claims. It is to be understood that it should be understood.

2 is a simple flowchart of a process of selecting a specific vendor using a payment means according to a preferred embodiment of the present invention.

2 illustrates a plurality of clients using at least one or more specific products and / or merchants 150 for a predetermined period of time according to purchase agreement information provided from a plurality of clients in the server 100. Generate at least two or more product sales clients and / or at least two affiliate stores that sell the specific product. A simplified embodiment of the process of providing to a client to obtain optimal incentive condition information from the at least two or more merchandise sales clients and / or at least two or more merchant clients.

Referring to FIG. 2, the embodiment may be started from a process of providing predetermined purchase agreement conclusion condition information to a plurality of clients in the server 100 (200).

Preferably, referring to Figure 3 below, the interface unit 1 of the server 100 is the plurality of client terminals the at least one or more specific merchant (or specific product) selection condition information, and the specific merchant (or specific) Merchandise) may provide predetermined purchase agreement conclusion condition information including at least one usage period selection condition information and at least one use amount selection condition information.

Accordingly, the plurality of clients may select a specific affiliate store (or a specific product) that the user desires by referring to the purchase agreement conclusion condition information shown in FIG. 3 below, and also use a specific affiliate store (or a specific product) period of use (and And / or amount used).

Then, the interface unit 1 of the server 100 receives the purchase agreement information corresponding to the purchase agreement conclusion condition information from the plurality of client terminals (205).

In addition, the storage unit 125 of the server 100 processes the purchase agreement information provided by the plurality of client terminals in association with the client customer information and / or payment means information, and stores the purchased agreement information in a predetermined storage medium 145. (210).

In addition, the information generating unit 110 of the server 100 reads purchase agreement information received from the plurality of client terminals through the interface unit 1, and at least one or more specific products included in the purchase agreement information. And / or the merchant 150 confirms the total usage (215).

In addition, the information generating unit 110 of the server 100 generates the total usage information for the specific product and / or affiliate 150 by summing the total amount of the identified specific product and / or affiliated store 150. (220).

Through the above process, when total usage information on a specific product and / or affiliate store 150 is generated, the information providing unit 105 of the server 100 uses the generated total usage information on at least two products. Provided to the sales client and / or merchant client (225).

At this time, the information providing unit 105 may post the generated total usage amount (or total purchase amount) information on the web page.

According to a preferred embodiment of the present invention, after the total usage amount (or the total purchase amount) information is provided to the merchandise sales client and / or the merchant client, the merchandise sales client and / or the merchant client is the total usage amount (or Incentive condition information corresponding to the total purchase price) information may be provided to the server 100, respectively.

Then, the interface unit 2 of the server 100 receives an incentive condition corresponding to the total usage information from the two or more merchandise sales clients and / or affiliated clients, respectively (230). In addition, the incentive condition comparison unit of the server 100 compares the received incentive conditions with each other (235) to identify the most advantageous optimal incentive condition.

Comparing the received incentive conditions, if the most favorable incentive condition is confirmed (240), the seller selector 115 of the server 100 extracts the identified optimal incentive condition of the received incentive conditions ( 245).

In addition, the seller selector 115 selects a product sales client and / or an affiliated store client that present the extracted optimal incentive condition as a payment means using the present invention (250), and stores the server 100. The unit 125 processes the selected product sales client and / or merchant client information and incentive condition information in association with the purchase agreement information and / or the plurality of client information (and / or the client payment means information). It is stored in the storage medium 145 (250).

According to a preferred embodiment of the present invention, in the process of extracting the optimal incentive condition, and storing the merchandise sales client and / or affiliated store client information in the storage medium 145, the server provides the optimal incentive conditions, the server The contract conclusion unit 120 of 100 may provide a predetermined incentive with the product sales client and / or the merchant client for a predetermined purchase contract (for example, when the plurality of clients use a certain amount of use (or purchase amount) for a certain period of time). Contract, etc.)

3 to 5 present a predetermined data (or information) model required in the process of implementing the above-described method of FIG. 2, and the process of FIG. 2 described above with reference to FIGS. This will be described in more detail.

3 is a simple data table for purchase agreement execution condition information that may be provided from the server 100 to the plurality of client terminals according to the preferred embodiment of the present invention.

Referring to FIG. 3, the illustrated purchase agreement conclusion condition information includes at least one or more specific merchant (or specific product) selection condition information, specific merchant (or specific product) use period selection condition information, and use amount selection condition information. It may be configured to include one or more, in accordance with the present invention the purchase agreement conclusion condition information may be provided to the plurality of client terminals through the interface unit 1 of the server 100.

4 is a simple data table for total usage amount information according to a preferred embodiment of the present invention.

4 is a simple embodiment of the total amount of use (amount) information to be provided to the specific product sales client and / or merchant client based on the purchase agreement information provided from the plurality of client terminals according to the present invention.

For example, when a plurality of clients confirming the purchase agreement conclusion condition information presented in the data table of FIG. 3 execute a purchase agreement corresponding to “oil (petrol, diesel, kerosene, etc.)”, FIG. A plurality of clients (eg, Hong Gil-dong, Kim Yu-shin, Yi Sun-shin, etc.) who selected "petrol, diesel, kerosene, etc."

Referring to Figure 4, "Hong Gil-dong" has been promised to use the "oil (petrol, diesel, kerosene, etc.)" to use "2,000,000 won" for six months, "Kim Yushin" for six months said "oil (petrol, Diesel, kerosene, etc.) ”was agreed to use“ 2,500,000 won ”. In addition, Yi Yi-shin promised to use "2,900,000 won" for "oil (petrol, diesel, kerosene, etc.)" for six months.

FIG. 4 shows price information committed by a plurality of clients who have selected the "oil (petrol, diesel, kerosene, etc.)", and the sum of the amounts committed by the plurality of clients is added to the specific product (eg, Information on the total amount (eg, 2,250,000,000 won) to be provided to the oil (petrol, diesel, kerosene, etc.) sales client and / or the merchant client may be calculated.

5 is a simple data table for incentive provision condition information provided by a particular merchandise sales client and / or merchant client in accordance with a preferred embodiment of the present invention.

5 shows that the server 100 reads purchase agreement information provided by the plurality of clients, and the plurality of clients use the at least one specific product and / or merchant 150 in total for a predetermined period of time using a specific payment method. Amount (or total purchase amount) information (for example, the total use amount calculated by summing up the use amount (or purchase amount) of the specific product and / or merchant 150 for a predetermined period provided by each of the plurality of clients ( Or total purchase amount) information, etc.), and convert the generated specific product and / or merchant 150 total usage amount (or total purchase amount) information to at least two or more specific product sales clients and / or merchant clients. When provided, the particular product and / or provision provided to the at least two or more particular product sales client and / or merchant client The blind spot 150 is an embodiment of incentive provision condition information corresponding to total usage amount (or total purchase amount) information.

Referring to FIG. 5 with reference to the above-described FIG. 4, the contract amount of a plurality of clients who selected "oil (petrol, diesel, kerosene, etc.)" as a specific commodity in FIG. When the total amount of use (amount of money) (for example, 2,250,000,000 won) information is calculated, the server 100 provides information on the total amount of use (amount of money) (for example, 2,250,000,000 won) for the specific product at least two or more specific products Delivery to sales clients and / or merchant clients.

Then, as shown in Figure 5, the at least two or more specific product sales client and / or merchant client each provides incentive provision condition information corresponding to the total amount (value) (for example, 2,250,000,000 won) information for the specific product It may be provided to the server 100.

Referring to FIG. 5, "L refinery" is an incentive provision condition information corresponding to the total amount of use (amount) (for example, 2,250,000,000 won), and presents "15% discount when refueling" and "S refinery" Is the incentive provision condition information corresponding to the total amount of use (amount) (eg, 2,250,000,000) information, "12% discount when refueling," and "H refinery" is the total amount of use (amount) (for example, 2,250,000,000) As the incentive provision condition information corresponding to the information, “13% discount on fueling” was presented.

According to the present invention, the server 100 is the most advantageous particular product sales client and / or merchant client (eg, "L" of the at least two or more specific product sales client and / or merchant client presenting the incentive offer condition information; Oil refining ”, etc.) may be selected as a specific seller using the payment means of the contract execution client.

6 is a simple flowchart of a process until a predetermined incentive corresponding to the incentive provision condition information is provided according to a preferred embodiment of the present invention.

FIG. 6 provides purchase agreement information for a plurality of clients to use at least one or more specific products and / or merchants 150 for a predetermined amount (or a predetermined amount) for a predetermined period of time using a specific payment method according to the process of FIG. When the purchase agreement information provided from the server 100 is read, the plurality of clients use the specific payment means to use (or purchase) the at least one or more specific products and / or affiliates 150. At least two items for generating quantity (or total purchase amount) information and for selling (or purchasing) the total amount of use (or total purchase amount) information for using (or purchasing) the generated specific product and / or affiliate store 150; At least two product editions that are presented to one or more product sales clients and / or to at least two merchant clients to sell the particular product Receive predetermined incentive provision conditions corresponding to purchase agreements provided by the plurality of clients from every client and / or at least two merchant clients, and provide incentive provision condition information having the highest value among the provided incentive conditions. After selecting a merchandise sales client and / or a merchant client as the payment means using the payment means of the contract execution client, the contract execution client may be started from the process of using the payment means at the selected specific seller (600).

Referring to FIG. 6, when the purchase contract execution client uses a specific product sales agent (or affiliate) 150 selected as the payment means using a specific seller, the specific product sales agent (or affiliate) 150 (or the In operation 605, the server 100 provides a usage history of the payment means of the client to a server provided in a specific product sales company (or affiliated store) 150.

Then, the calculation unit 130 of the server 100 is the information on the amount of use of the specific product sales company (or merchant) 150 of the payment means usage history of the client provided from the specific product retailer (or merchant) 150. Extract 610 and calculate the total amount of use by summing information on the amount of use of the extracted specific product sales company (or affiliated store) 150 (615).

Preferably, the calculation unit 130, in the process of calculating the total amount of use of the specific product sales company (or merchant) 150 for a predetermined period of time, the plurality of clients, the specific product retailer (or merchant) 150 ) Is a single product (Merchant Amount = Product Purchase Amount) and / or a specific product that has been contracted covers all product groups (e.g., gasoline, kerosene, diesel, etc.) sold by the merchant (Merchant) The total amount of money used may be calculated by confirming the amount of use of a product = the amount of goods purchased) and the amount of purchase of a particular product at the specific product vendor (or affiliated store) 150.

In addition, the specific product sales source (or affiliated store) 150 or the specific product purchase customer may directly provide the server 100 with the total amount used by the specific product sales source (or affiliated store) 150 for the predetermined period. State that it may.

When the total usage amount for the specific product in the specific product sales company (or affiliated store) 150 is calculated through the calculation unit 130, the server 100 generates the total usage amount generated when the total usage amount information is generated. Information is extracted from the storage medium 145 (620).

In addition, the comparison unit 135 of the server 100 compares the total amount of money used at the specific product sales company (or affiliated store) 150 with total amount of money information extracted from the storage medium 145 (625), It is checked whether a predetermined incentive can be provided to the plurality of clients.

If a predetermined incentive can be provided to the plurality of clients (630), the incentive providing unit 140 of the server 100 may provide incentive provision condition information corresponding to the total amount of money stored in the storage medium 145. Extract 635 and provide incentives corresponding to the extracted incentive provision condition information to the plurality of contracted clients (640).

Preferably, the server 100 transmits the incentive providing history provided to the plurality of contracted clients to the storage medium 145 in association with the client information and / or a specific product distributor (or affiliated store) 150. Can be stored (645).

According to the present invention, the total amount of usage (or purchase) of the plurality of clients using (or purchasing) at least one or more specific products and / or affiliates through a specific payment method for a certain period of time according to purchase agreement information provided from the plurality of clients. Total purchase amount) information, provide the generated total usage amount (or total purchase amount) information to a sales person (or affiliated store) of at least two or more specific products, or a vendor (or merchant) of the at least two specific products By obtaining the optimal incentive condition information from the financial institution (e.g., card company, etc.) secures the purchasing power for a particular product, and competitively from a plurality of product vendors that sell the specific product using the obtained purchasing power The advantage is that more favorable incentives can be obtained.

Claims (10)

When a plurality of clients provide purchase agreement information for using a specific payment method to use at least one or more specific products and / or affiliate stores for a predetermined amount (or a predetermined amount), Read purchase agreement information provided by the plurality of clients, wherein the plurality of clients use the specific payment means for a predetermined period of time to use the at least one or more specific products and / or affiliate store total use amount (or total purchase amount) information; Generating total usage amount (or total purchase amount) information, which is calculated by summing up the usage amount (or purchase amount) of the specific product and / or affiliate store for each period provided by the clients of each of; A function of posting the generated total usage amount (or total purchase amount) information on a web page or providing at least two or more merchandise sales clients and / or at least two or more merchant clients selling the specific merchandise; Receiving at least two or more incentive offer condition information corresponding to the total usage amount (or total purchase amount) information from at least two or more merchandise sales clients and / or at least two or more merchant clients selling the particular merchandise; And A program for realizing a function of selecting a merchandise sales client and / or an affiliated store client providing incentive provision condition information having the highest incentive value among the received at least two incentive provision condition information; Record carrier. According to claim 1, wherein the program, A predetermined purchase including at least one or more specific merchant (or specific product) selection condition information, specific merchant (or specific product) use period selection condition information, and use amount selection condition information to the plurality of client terminals. Providing agreement conclusion condition information; And When the plurality of client terminals provide at least one or more purchase agreement conclusion target specific merchant (or specific product) selection information, usage period selection information, and use amount selection information based on the purchase agreement conclusion condition information, And a function of receiving the recording medium. According to claim 1, wherein the program, And realizing a function of reading purchase agreement information provided by the plurality of clients and generating total usage amount (or total purchase amount) information for each specific product and / or affiliate store. According to claim 1, wherein the program, And a function of posting the total usage amount (or total purchase amount) information on a web page for each specific product and / or affiliate store. According to claim 1, wherein the program, And comparing the at least two incentive provision condition information with each other to extract the incentive provision condition information having the highest value of the incentive provided corresponding to the purchase agreement information. According to claim 1, wherein the program, Further realizing a function of entering into a predetermined purchase contract with the selected product sales client and / or merchant client, wherein the plurality of clients provide a predetermined incentive when using a certain amount (or purchase amount) for a certain period of time. Characterized in that the recording medium. According to claim 1, wherein the program, The selected product sales client and / or merchant client information and the incentive provision condition information are processed in association with the purchase agreement information and / or the plurality of client information (and / or the client payment means information) to a predetermined storage medium. A recording medium characterized by further realizing a storing function. According to claim 1, wherein the program, And storing the purchase agreement information provided by the plurality of client terminals in association with the client customer information and / or payment means information in a predetermined storage medium. According to claim 1, wherein the program, When at least two or more clients who have provided the purchase agreement information use the payment means at the selected specific merchandise distributor (or affiliated store), After extracting the use amount information of the specific product sales company (or affiliated store) from the payment means usage history of the plurality of clients, respectively, the sum of the use amount information of the extracted plurality of specific product vendors (or affiliated stores) Calculating, by the plurality of clients, the total amount of money used at the specific product vendor (or affiliated store); And Comparing the calculated total use amount information with the total use amount according to the purchase agreement; And And providing the plurality of clients with incentives corresponding to the incentive provision conditions provided by the selected merchandise sales client and / or merchant client according to the comparison result. The method of claim 1, wherein the recording medium, A financial medium server, including a card company server or a bank server, and / or a mobile carrier server, and / or a server on the network recording medium, characterized in that.

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