KR20070020105A - Method for managing payment means - Google Patents

Abstract

A method for managing payment tools is provided to enable a member shop to make a purchase contract with customers and enable the customers to receive more incentive from the member shop compared to non-contracted customers by enabling a credit card company or a financial company to make the purchase contract with the customer without high cost marketing. A server links/stores settlement tool information and contract information to a storage medium(205). The server calculates total contracted purchase data by reading contracted purchase data from the storage medium and summing up the read contracted purchase data(220). The server stores incentive data, which is provided to the contracted customer according to the calculated total contracted purchase data, to the storage medium by linking with the settlement tool information of the customer(245).

Description

 Method of Managing Payment Means}

1 is a diagram showing a server functional configuration according to a preferred embodiment of the present invention.

2 is a diagram illustrating a process of signing a purchase contract agreement in a server according to a preferred embodiment of the present invention.

3 is a diagram illustrating a process of confirming a purchase contract agreement in a server according to a preferred embodiment of the present invention.

4 is a diagram illustrating a process of providing an incentive to a customer based on a purchase contract agreement in a server according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: storage medium 105: interface unit

110: data storage unit (1) 115: data calculation unit (1)

120: data storage unit (2) 125: data storage unit (3)

130: data reading unit 135: data calculating unit 2

140: comparison unit 145: incentive providing unit

150: data extraction unit 155: data confirmation unit

160: user interface 165: IPC unit

170: communication unit 175: communication means

180: information input terminal 185: payment system

The present invention provides a process of issuing a specific payment method to at least one or more customers in writing or slips, and / or entering into predetermined customer information, payment method information, and agreements with at least one or more customers who have a specific payment method. By providing a pre-defined written or voucher for entering or selecting information, a predetermined pre-purchase agreement between the customer and the card issuer for the payment method (e.g., a certain amount (or A certain agreement to purchase more than a certain amount of money) and / or to purchase more than a certain amount of money at a particular merchant for a certain period of time), and fill in the written or journal or given information selected as data to a given storage medium. After storing, operating and managing the arrangement To provide a payment means management server and the storage medium corresponding to the purchase agreement signed lines created offline as.

Card companies that issue certain electronic payment methods (eg, magnetic stripe (MS) cards and / or integrated circuit (IC) cards and / or IC chips) provided with predetermined payment means information and / or payment means information. Or, sound financial growth from the perspective of a financial company is achieved by customers paying more using their payment method. To this end, the card company or financial company incentives to return part of its profits to customers in tangible or intangible value. Programs, and / or affiliate programs that pay part of the revenue to merchants and / or merchandise vendors, and the like, wherein the incentive program and affiliate program may exacerbate the revenue of the credit card company or financial company. It contains a problem.

In Korea, electronic payment methods are issued by dozens of card companies or financial companies, including at least one or more card brands, mainly Visa and / or Master Card and / or BC. Alternatively, the number of card products issued by financial companies ranges from a few to as many as tens. Currently, the number of card products issued by domestic card companies or financial companies to customers is about 100. As a result, competition and customer competition for each card company or financial company is intensifying, and as a result, marketing costs including the incentive program and / or affiliate program are also increasing.

In order to solve the above problems, in the process of issuing a specific payment method to at least one or more customers in writing or slips offline, and / or at least one customer having a specific payment method, The customer information, the payment method information, and a predetermined agreement (and / or a contract to purchase a predetermined amount or more at a specific merchant for a specific period) for purchasing at least one or more specific products for a specific period. After being provided as predetermined information data through a pre-defined document or slip to fill in or select pre-purchase agreement conclusion information or the like, and storing the customer information data and / or payment means information data and / or agreement conclusion information data. By the customer using the payment means The server and storage medium for this purpose characterized in that the management and operation to follow the line agreed in the purchase contract that corresponds to the purpose.

The present invention provides a predetermined agreement (and / or to purchase a certain amount (or a certain amount) or more of a certain product for a specific period of time by using customer information for issuing a specific payment method provided by at least one customer on-line and the issued payment method). Or a server providing contract information as predetermined data, wherein the server comprises an interface unit for receiving the data from at least one terminal; Based on the customer information data received through the interface unit and / or the customer information data, the information data on the payment means issued to the customer is processed in association with the contract conclusion information data to store a predetermined storage medium (or a database). A data storage unit 1 to store in the; In association with the data storage unit 1, a specific product (and / or a specific merchant) purchase agreement information data for a specific period of time is read from the plurality of contract conclusion information data stored in the storage medium, and the read plurality of purchases A predetermined amount of purchase (or amount) information data including the total amount of purchase (or amount of purchase) information for a particular product and / or the total amount of available amount of information for a specific merchant for a specific period, by adding up the commitment information data. A data calculation unit 1 for calculating a; And incentive information data provided to the customers who have entered into the agreement in response to the purchase quantity (or amount) information data calculated by the data calculating unit, to the customer information data (and / or payment means information data issued to the customer). And / or a data storage unit 2 for storing the data in a predetermined storage medium (or database) in association with the contract conclusion information data.

According to a preferred embodiment of the present invention, the data storage unit 1 reads the specific product (and / or a specific merchant) information data included in the contract conclusion information data received through the interface unit, the customer information data ( And / or based on the customer information, the data of the payment means issued to the customer and the contract conclusion information data are separately stored for each specific product (and / or a specific merchant), and the data The calculation unit 1 interlocks with the data storage unit 1 to read the contract execution target product (and / or a specific merchant) information data from the plurality of contract execution information data stored in the storage medium, and then, the specific period of time. Information about the total amount (or amount) available for a particular product during the It is preferable to calculate the predetermined purchase quantity (or amount) information data to be included for each product or for each particular merchant.

According to a preferred embodiment of the present invention, the server is based on the purchase quantity (or amount of money) information data calculated by the data calculating unit, the predetermined product sales company or specific merchant corresponding to the specific product (or specific merchant) When the purchase contract is concluded, the data storage unit 3 receives predetermined contract condition information data according to the purchase contract with the specific product vendor or a specific merchant from the predetermined terminal through the interface unit, and stores the predetermined contract condition information data in a predetermined storage medium (3). It is preferable to further comprise a).

According to a preferred embodiment of the present invention, the server is linked to the interface unit when the specific product is purchased or the particular merchant is used as the issued payment means, according to the contract concluded by the at least one customer, the at least A data reading unit that receives one or more payment means usage history data of one or more customers from a predetermined terminal, and reads the specific affiliate store (or specific product) usage history data from the payment means usage history data; A data calculator (2) for calculating total purchase price information data for a predetermined period of time by summing usage amounts corresponding to the read usage data of the at least one customer (or a specific product); And a comparison unit for comparing the total purchase price information data calculated by the data calculator and the total purchase price information data according to the contract concluded with the at least one or more customers, and calculating an incentive history to be provided to the at least one or more customers. It is preferable to further comprise, and / or an incentive providing unit for providing a client with a predetermined incentive corresponding to the calculated incentive breakdown, preferably further comprising, the incentive providing unit corresponding to the incentive Transfer a discounted amount to the at least one customer financial account, or settle (-) the settlement amount of the at least one customer's payment, or provide the incentive to the at least one customer as points or miles It is desirable to .

According to a preferred embodiment of the present invention, the server is interlocked with the interface unit, the data extraction unit for extracting predetermined customer information data and / or payment means information data from the payment approval professional data provided from a predetermined payment terminal; And a plurality of payment approvals provided from a predetermined payment terminal by matching the extracted customer information data and / or payment means information data with the contractual agreement target customer information data and / or customer payment means information data previously stored in the storage medium. It is preferable that the data further comprises a data confirmation unit for distinguishing payment approval full-text data corresponding to the customer and / or customer payment means for the conclusion of the contract.

According to a preferred embodiment of the present invention, the server preferably comprises 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.

According to a preferred embodiment of the present invention, the incentive may include a predetermined discount amount applied when purchasing the specific product (and / or a particular merchant selling product), and / or a predetermined point or mileage that can be provided to the customer. Do.

According to a preferred embodiment of the present invention, the payment means preferably 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. Do.

According to a preferred method of the present invention, the specific product is a product of the type including petroleum products including gasoline, kerosene, diesel, and / or accommodation products provided by accommodation, travel products provided by travel agencies, insurance companies It is preferable to include an intangible service product including at least one insurance product to be provided, and the specific affiliated stores include oil refiners selling petroleum products, large discount marts, large stores such as department stores, restaurants, hotels and the like. It is preferable to include at least one or more lodging companies, a travel agency that sells travel products, and an insurance company that sells packed goods.

According to a preferred embodiment of the present invention, it is preferable that the specific product includes a tangible product and / or an intangible service product, and in the present invention, when the pre-purchase contract is concluded for the specific product, It is preferable to include a product that matches a particular merchant (for example, if the merchant is a gas station, the gas station is matched with a petroleum product of a specific refinery).

According to another exemplary embodiment of the present invention, the server may use customer information (and / or payment means information) provided by at least one or more customers who have a specific payment means offline and the specific goods for a specific period of time. In a server that receives a predetermined agreement (and / or a contract to purchase a predetermined amount or more at a particular merchant for a specific period) as predetermined data to purchase a predetermined amount (or a predetermined amount), the data from at least one or more terminals. Interface unit for receiving; A data storage unit (1) storing the customer information data (and / or payment means information data) received through the interface unit in association with the contract execution information data and storing the data in a predetermined storage medium (or database); In association with the data storage unit 1, a specific product (and / or a specific merchant) purchase agreement information data for a specific period of time is read from the plurality of contract conclusion information data stored in the storage medium, and the read plurality of purchases A predetermined amount of purchase (or amount) information data including the total amount of purchase (or amount of purchase) information for a particular product and / or the total amount of available amount of information for a specific merchant for a specific period, by adding up the commitment information data. A data calculation unit 1 for calculating a; And the customer information data (and / or payment means information data) and / or the predetermined incentive information data provided to the customers who have concluded the contract in response to the purchase quantity (or amount) information data calculated by the data calculator. And a data storage unit 2 for storing the data in a predetermined storage medium (or a database) in association with the contract conclusion information data, wherein the server includes all the functional configurations of the above-described preferred server. It is preferable.

According to the present invention, a predetermined agreement to purchase a certain amount (or a predetermined amount) or more of a specific product for a specific period of time by using customer information for issuing a specific payment method provided from at least one customer offline and the issued payment method ( And / or a recording medium located in a server that receives the contract information as predetermined data for a certain amount of purchases from a specific merchant for a specific period of time, based on the provided customer information data and / or the customer information data. Storing information in a predetermined storage medium (or database) by cooperatively processing the information data on the payment means issued to the customer with the contract conclusion information data; Reading a specific product (and / or a specific merchant) purchase agreement information data for a specific period from a plurality of agreement conclusion information data stored in the storage medium; The predetermined purchase includes a plurality of pieces of the purchase agreement information data read, and includes total purchase amount (or purchase amount) information of a specific product for a specific period and / or total available amount information of a specific merchant for a specific period. Calculating quantity (or amount) information data; And incentive information data provided to customers who have entered into the agreement in response to the calculated purchase amount (or amount) information data, and the customer information data (and / or payment means information data issued to the customer). Or storing the data in a predetermined storage medium (or a database) in association with the contract conclusion information data. The program for recording the program may be recorded. It is preferable to include all in the form.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention to be carried out below is provided in the server in the form of a relational database management system (RDBMS) to efficiently describe the technical components constituting the present invention It will be apparent to those of ordinary skill in the art that the storage medium may be provided on a network accessible from the server.

In addition, the preferred functional configuration of the present invention carried out below is to classify each function based on Object Oriented Programming (OOP) to correspond to the functional configuration of the desired program recorded on the recording medium provided in the server As a person skilled in the art of object-oriented programming, the functional structure of the program is characterized by object-oriented programming (eg, inheritance, abstraction, encapsulation). It can be clearly understood that the present invention can be implemented in various ways according to polymorphism. For example, in the following preferred embodiment, the data storage unit 1, the data storage unit 2, and the data storage unit 3 are abstracted among the above functional configurations. In another embodiment, the storage unit is stored in a predetermined data storage unit. (1), the storage section 2 and the storage section 3 may be configured to inherit. Of course, if the program includes the functions configured in the following preferred embodiments, it will not necessarily follow object-oriented programming.

In addition, the preferred embodiment of the present invention, which is implemented below, is based on object-oriented programming through a Visual C ++ (hereinafter referred to as "VC ++") development tool of Microsoft Corporation for the understanding of those skilled in the art (or developers) who implement the present invention. It will be described by way of example to implement the functional configuration. However, this is also only one means for effectively explaining the present invention, and the method for implementing the functional configuration of the present invention is a development tool (eg, XML) used by an operating system and / or a person skilled in the art (or developer) provided in the server. (Extensible Markup Language) can be implemented in various ways.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing a server functional configuration according to a preferred embodiment of the present invention.

More specifically, Figure 1 omits the conventional functional configuration that is generally provided in the server for the efficiency of the technical description, and shows only the functional configuration for achieving the present invention and the interrelationship between the functional configuration, the present invention belongs to Those of ordinary skill in the art or object-oriented programming will clearly understand the interrelationship between the functional configuration shown in FIG. 1 and the omitted server functional configuration.

Referring to Figure 1, a predetermined agreement to purchase a certain amount (or a certain amount) of a specific product for a specific period of time by using the customer information for issuing a specific payment method provided from at least one customer offline and the issued payment method (And / or a contract to purchase a certain amount or more at a particular merchant for a specific period of time) The functional configuration of the server provided with the predetermined information as the predetermined data includes the interface unit 105, the data storage unit 1, 110, and data calculation. Unit (1) 115, data storage unit 2 (120), data storage unit (3) 125, data reading unit 130, data calculating unit (2) 135, comparison unit 140 And an incentive providing unit 145, a data extracting unit 150 and a data checking unit 155, and additionally, predetermined information input / output means (e.g., a monitor for outputting image information) included in the server. , Key data A user interface 160 for inputting and outputting predetermined information data through a predetermined information input terminal 180 associated with the server, at least one external component (eg, in a server) IPC unit 165 for inter-process communication with at least one external program or external process provided, and predetermined communication means 175 provided with the server (eg, a network interface (NIC)). Card) and a driver for constructing the NIC) preferably further comprises a communication unit 170 for inputting and outputting information processing means and predetermined information data on the network. However, in the functional configuration shown in Figure 1, some functional configurations may be integrated according to the intention and business practice of those skilled in the art (or developers) to implement the present invention, or some functional configurations including a plurality of functions may be further subdivided. It may be provided.

The interface unit 105 may include at least one information processing means (eg, an information input terminal 180 for inputting predetermined information data to a server) capable of connecting a predetermined communication channel through a network connected to the server, and an offline electronic device. Predetermined information in connection with a payment terminal, a VAN server and a payment server provided in the payment system 185, a client terminal, a web server, a payment agency server, and a payment server provided in the online electronic payment system 185) And transmitting and receiving data, and interfacing to manage and operate predetermined information processing using the transmitted and received information data in association with a functional configuration provided in the server.

When the functional configuration shown in FIG. 1 is implemented through VC ++ based on MFC (Microsoft Foundation Class), the interface unit 105 corresponds to a mainframe (CMainFrame) class, and to achieve the present invention in the class It is desirable that the functional constructs be declared as objects.

The data storage unit (1) (110) is linked to the interface unit 105 through a predetermined user interface 160, the predetermined information input and output means provided in the server to a predetermined information input terminal connected to the server ( 180 a predetermined storage medium (database) 100 (or database) in association with the customer information data input through the 180 and / or payment means information data and / or contract conclusion information data for the payment means issued to the customer Characterized in that stored in.

According to a preferred method of the present invention, an application for issuing a payment means for filling out or selecting payment means for issuing payment means to at least one or more customers offline, and / or providing a certain amount (or a certain amount) of a specific product to the customer for a specific period An application to enter into a contract to enter into a certain commitment to purchase (and / or a commitment to purchase more than a certain amount at a particular merchant for a certain period of time)

Preferably include a form for entering customer information (eg, customer's name, social security number), and / or

Preferably include a form for entering payment means information (e.g. card number) issued to the customer, and / or

A commitment that includes a predetermined commitment (and / or an agreement to purchase a certain amount or more at a particular merchant for a specific period) for a certain period of time, and

-Including a stamped (or stamped) form indicating that the customer has agreed to the terms;

At least one form for filling in (or selecting) a particular product and / or a particular time period for purchase at a particular merchant in accordance with the above agreement,

-Input (or select) product information to be purchased for the specific period, a certain amount (or a certain amount) to purchase the specific product and / or merchant information to be purchased during the specific period and a certain amount (or a certain amount) to be purchased at the merchant It is preferable that the purchase agreement information including at least one form is included, including a fill-in (or selection) form.

In addition, the user interface 160 for inputting the information corresponds to the application form.

A control for inputting predetermined customer information and a control for inputting predetermined payment means information, and / or

Preferably include a control for inputting a signature (or seal) included in the agreement conclusion information of the application form as predetermined image content, and / or

A purchase including at least one or more specific period information and specific product information (and / or specific merchant information) and a certain amount (or a certain amount) of purchasing the specific product (and / or buying from the specific merchant) during the specific period; It is preferable to include a control for inputting the agreement information data.

Predetermined information data (for example, a customer) written in the application through the user interface 160 in a predetermined information input / output means provided in the server or a predetermined information input terminal 180 associated with the server. Information data, payment means information data, and contract conclusion information data), the interface unit 105 provides the information data to the data storage unit 1 and 110, and the data storage unit 1 ( 110 stores the information data in a predefined field to store the information data on a predetermined storage medium (database) 100.

According to a preferred embodiment of the present invention, the storage medium (database) 100 is preferably equipped with a predetermined RDBMS engine supporting an open database, the data storage unit (1) 110 is connected to an open database. The inputted customer information data, payment means information data, and contract conclusion information data are stored in the storage medium (database) 100 through open data base connectivity (ODBC). Of course, the data storage unit 2 (120) and / or data storage unit 3 (125) described later also the predetermined information data through the open database connectivity as described above the storage medium (database) 100 Will be stored in.

According to another embodiment of the present invention, the data storage unit (1) (110) in storing the customer information data, payment means information data and contract conclusion information data in the storage medium (database) 100, the When the payment means is not issued to the customer, only the payment means information data may be additionally stored in the storage medium (database) 100 later (for example, after the payment method is issued to the customer).

The data calculating unit (1) 115 inputs through the data storage unit (1) 110 from an application written by at least two customers and stores a plurality of contract conclusion information data stored in the storage medium (database) 100. Reads the purchase agreement information data for a specific product (and / or a specific merchant) for a specific period of time, and for the specific product (and / or the specific merchant) for a specific time period included in the read plurality of purchase agreement information data. A predetermined amount including total purchase amount (or purchase amount) information for the product (and / or merchant) by adding up the purchase amount (or purchase amount) and / or total available amount information of a specific merchant for a specific period of time. It is characterized by calculating the purchase quantity (or amount of money) information data.

According to a preferred embodiment of the present invention, the data calculating unit (1) 115 is connected to the storage medium (database) 100 via a specific period information and / or a specific product (and / or a particular merchant) information and the ODBC; Searching and selectively extracting at least two matching purchase agreement information data, and agreeing to purchase a certain amount or more of a certain product for a certain period of time during a specific period in the inputting step of the purchase agreement information data. Numerical value) or the amount that can be purchased (e.g., the amount agreed to purchase a certain amount of a certain product for a certain period of time during the input of the purchase agreement information data), so that a plurality of customers who have completed the application purchase the specific product for a specific period of time. (And / or the total amount of available purchases (or available amounts)) of purchases (and / or purchases from specific merchants) It is preferable to calculate the purchase volume (or amount) containing the total amount of information is available for a particular merchant for a period of time information data.

According to the present invention, the purchase quantity (or amount) information data is stored in contract sales (and / or contract sales of specific merchants) of a company that manufactures and / or sells the specific products made through the payment means during the specific period. In this case, the company operating the server negotiates with the product vendor and / or the specific affiliate to conclude a purchase contract for the contract sales, thereby determining an incentive to be provided to the contract customer.

The data storage unit (3) (125) is a specific product sales company corresponding to the specific product (or specific merchant) based on the purchase quantity (or amount of money) information data calculated by the data calculator (1) 115 Alternatively, when a purchase contract is concluded with a specific merchant, the contract condition information data according to a purchase contract with the specific product vendor or a specific merchant is received through the interface unit 105, and then the contract condition information data is received. It is characterized in that the storage in the storage medium (database) 100 (or database).

According to a preferred embodiment of the present invention, the contract condition information data includes a contract (e.g., purchase a certain amount (or a predetermined amount) or more of a specific product for a specific period of time according to the purchase agreement information data included in the contract conclusion information data). Certain incentive information according to a predetermined agreement to be made, and / or an agreement to purchase a certain amount or more at a particular merchant for a specific period of time.

According to a preferred embodiment of the present invention, the incentive information included in the contract condition information data is an incentive corresponding to the purchase quantity (or amount) information data calculated from the purchase agreement information data, wherein the incentive information is the purchase quantity ( Alternatively, it is preferable that the highest incentive to be provided when all the contract sales corresponding to the information data are fulfilled and the minimum incentive recognized as the minimum contract sales are classified into at least two or more grades. As a result, the customer is provided with a predetermined incentive even when all of the purchases are performed according to the agreement or only a part of the purchase. Of course, the incentive information may be provided so that the incentive is provided only when all the contract sales are fulfilled during the negotiation process.

According to the present invention, the incentive information included in the contract condition information data corresponds to the purchase agreement information data calculated by the data calculating unit (1) 115, rather than the individual incentive according to the agreement of each customer. Incentive information data for distributing incentive information to each customer participating in the agreement is required. The process may be performed by dividing the incentive information included in the contract condition information data by the contract amount of each customer.

The data storage unit (2) 120 calculates predetermined customer-specific incentive information data provided to customers who have concluded the contract in response to the purchase quantity (or amount) information data calculated by the data calculator. A predetermined storage medium (database) 100 (or a database) in association with the incentive information data for each customer and the corresponding customer information data (and / or payment means information data issued to the customer) and / or the contract execution information data. It is characterized by storing in).

According to the present invention, the data storage unit (2) 120 is the customer information data (and / or payment means information data) and / or the agreement conclusion information data and the incentive information contained in the terms and conditions information data By integrating and storing the incentive information data calculated to be provided to a customer, it is considered that a contract purchase agreement is concluded between the customer using the payment means and the product vendor and / or a specific merchant.

According to another exemplary embodiment of the present invention, the interface unit 105, the data storage unit 1 (110), the data calculation unit (1) 115, and the data storage unit (3) 125 performing the above functions. ) And the data storage unit 2 and 120 may be configured as separate servers for signing a contract purchase agreement, and the interface unit 105, the data reading unit 130, and the data calculating unit ( 2) 135, the comparison unit 140, the incentive providing unit 145, the data extraction unit 150 and the data checking unit 155 may be configured as a separate server for the contract purchase operation.

After the contract purchase agreement is concluded, the interface unit 105 may include at least one or more information processing means (eg, offline electronic payment) provided in the payment system 185 using a payment means issued to the customer through a network. The payment terminal, the VAN server and the payment server, and / or the client terminal equipped with the online electronic payment system 185, the web server corresponding to the merchant, the payment agency server and the payment server) provided in the system 185 merchants) Receives a predetermined payment means usage history data for payment processing using the means repeatedly and processes in conjunction with at least one functional configuration provided for the present invention, thereby operating and managing the contract purchase in the server do.

The data reading unit 130 interoperates with the interface unit 105 when the specific product is purchased or when using a specific affiliate store using the issued payment means according to the contract concluded by the at least one customer. After receiving predetermined payment means usage history data from at least one or more information processing means included in the payment system 185 in which the used payment processing is performed, the payment means usage history data is issued to a customer who signed the agreement. Means for reading through the means whether a particular product corresponding to the arrangement has been purchased (and / or purchased from a particular merchant).

According to a preferred embodiment of the present invention, the payment means usage history data is transmitted and received between the transaction data processing means (for example, the payment processing information processing means provided in the payment system 185 for processing the electronic payment through the payment means) , The payment request information or payment approval information included in the predetermined payment processing information is preferably included. The payment processing information includes payment means information (eg, card number) and payment amount information (eg, the payment means). The amount of money to purchase a specific product and / or the amount of money to be purchased from a particular merchant, and the merchant information (e.g., identification information logically set to identify each merchant at a payment server, and / or a payment terminal provided to the merchant). Stores the merchant number). In some cases, when the payment means usage history data is provided from a payment server (for example, a server provided with a D / B for storing member information about the customer corresponding to the payment means), It is possible to further include predetermined customer information about the customer who has been issued the payment means.

Accordingly, the data reading unit 130 may use a predetermined payment means from at least one or more information processing means included in the payment system 185 in which payment processing using the payment means is performed in cooperation with the interface unit 105. When the data is received, at least one payment means information data stored in the storage medium (database) 100 according to the agreement with the payment means information (and / or customer information) included in the payment means usage history data ( And / or customer information data), and the affiliate store included in the payment means use history data in the contract execution information data stored in association with the payment means information data (and / or customer information data) matched with the matching result. Verify that purchase agreement information data matching the information is stored.

According to a preferred embodiment of the present invention, when a contract is concluded to purchase a predetermined amount or more at a specific merchant for a specific period, the contract conclusion information data stores purchase contract information data matching the merchant information. . On the other hand, when a contract for purchasing a certain product (or a predetermined amount) or more for a certain period of time, the contract conclusion information data, the product seller and / or merchant information that sells the specific product is stored and matched with the product information .

Accordingly, the data reading unit 130 may use the payment method information (and / or customer information) included in the payment method usage history data and the affiliate store information to indicate that the payment method usage history data corresponds to a specific merchant ( Or a specific product) usage history data.

According to a preferred embodiment of the present invention, when the reading result of the payment means usage history data is a specific merchant (or a specific product) usage history data corresponding to the contract conclusion, the data reading unit 130 uses the payment means The payment amount included in the details data is regarded as the amount used according to the conclusion of the agreement, and the usage data of the particular merchant (or a specific product) is stored in the storage medium (database) 100 (eg, corresponding to the conclusion of the agreement). Customer information data and / or payment method information data and / or contract conclusion information data in association with the data storage). According to another embodiment, the storage process may be implemented through a separate data storage unit 4. It will be alright.

The data calculation unit 2 or 135 may use a particular affiliate store (or a specific product) corresponding to at least one or more customers read as data of use of a specific affiliate store (or a specific product) according to a contract conclusion in response to the read result. The total purchase amount information data corresponding to the conclusion of the agreement for a certain period of time by extracting and adding the amount of use of a specific merchant (or a specific product) (e.g., the amount purchased from a specific merchant (and / or the amount of a specific product)) from the data. It is characterized by calculating.

According to a preferred embodiment of the present invention, the data calculating unit (2) 135 to calculate the total purchase price information data corresponding to the contract conclusion for a predetermined period, corresponding to the specific merchant (or a specific product) Computing the total purchase amount information data by summing the amount of use of a specific merchant (or specific product) for all contracted customers, and calculating the total purchase amount information data by summing the amount of use of a specific merchant (or specific product) for each specific customer It is preferable that all things are included.

According to a preferred embodiment of the present invention, the total purchase price information data calculated for the entire contract customer is provided to the product sales company and / or a specific merchant that signed the contract, and thus the actual incentive size (or grade) according to the contract conclusion. And / or the total customer purchase price information data calculated for a particular customer may be actually provided to the customer based on the actual incentive size (or grade) resulting from the conclusion of the agreement. It is preferably used to determine incentives.

The comparison unit 140 compares the total purchase price information data for all the contract customers calculated by the data calculator and the total purchase price information data for each of the at least one contract customer to the at least one contract customer. It is characterized by calculating the actual incentives to be provided.

According to a preferred embodiment of the present invention, the incentive details are calculated to provide all the incentives to be provided to the customer at the time of the agreement to the customer who has fulfilled all of the agreement content in accordance with the agreement implementation results of a specific agreement customer Alternatively, it is preferable that the customer who fulfills only a part of the contents of the agreement be calculated by subtracting a part of the incentive that is provided to the customer at the time of the agreement.

The incentive providing unit 145 may provide a predetermined incentive corresponding to the calculated incentive details to a corresponding customer, and the incentive providing method may be variously performed according to the type and / or characteristic of the incentive. have.

According to an exemplary embodiment of the present invention, when the incentive corresponds to a discount amount for a purchase amount of the specific affiliate (and / or a specific product), the incentive providing unit 145 may use the calculated discount amount as a corresponding customer. It is preferable to transfer to a financial account or provide a negative settlement process from the payment amount of the at least one customer.

According to another exemplary embodiment of the present invention, when the incentive is provided at a predetermined point or mileage, the incentive providing unit 145 preferably provides the calculated point or mileage by accumulating the point or mileage of the corresponding customer. Do.

According to one embodiment of the invention, the functional configuration provided in the server is a predetermined information processing means (e.g., VAN server, payment agency) provided on the payment system 185 for payment processing using the payment means. Server, payment server, etc.), and in this case, the payment means usage history data may be directly extracted from payment approval data (transaction data) transmitted and received through the payment system 185. To this end, the function configuration includes a data extracting unit 150 for extracting payment means usage history data and at least one information contained in the payment means usage history data, the payment approval specialized data corresponding to the conclusion of the agreement. It is preferable to further include a data verification unit 155 for confirming whether the payment approval professional.

The data extracting unit 150 extracts predetermined customer information data and / or payment means information data from payment approval specialized data transmitted / received on a predetermined payment system 185 in cooperation with the interface unit 105. It is done.

According to a preferred embodiment of the present invention, the payment approval professional data transmitted and received on the offline electronic payment system 185 includes at least one or more characters and / or numbers. The data extraction unit 150 ) Extracts predetermined customer information data and / or payment means information data through a method of searching for a specific character string and / or number from the payment approval message. In addition, the payment approval professional data transmitted and received by the online electronic payment system 185 is encrypted and transmitted for security, the data extraction unit 150 is a person who has gained access to the payment approval professional data (for example, payment server) Decode the payment approval professional data to extract predetermined customer information data and / or payment means information data.

The data checking unit 155 matches the extracted customer information data and / or payment means information data with the contractually signed customer information data and / or customer payment means information data previously stored in the storage medium (database) 100. By confirming, the payment approval specialized data corresponding to the contract conclusion target customer and / or the customer payment means is distinguished from the plurality of payment approval professional data transmitted and received through the payment system 185.

According to the present invention, the data extracting unit 150 and the data checking unit 155 provide predetermined payment means usage history data to the server from at least one or more information processing means provided on the payment system 185. If not, it is possible to read the payment means usage history data corresponding to the contract agreement target customer and / or customer payment means from the payment approval professional data actively transmitted and received on the payment system 185 in the server.

2 is a diagram illustrating a process of signing a purchase contract agreement in a server according to a preferred embodiment of the present invention.

In more detail, FIG. 2 receives an application including a form for writing (or selecting) customer information, payment method information, and contract conclusion information from at least one customer through offline, and selects a predetermined information input terminal 180. When inputting predetermined customer information data, payment means information data and contract conclusion information data from the form included in the application to the server (200), the customer information data included in the contract conclusion information with the customer in the server, By linking the payment means information data and the contract conclusion information data and storing them in a storage medium (database) 100 (205), at least one customer who submitted the contract conclusion application and a specific merchant and / or to the contract conclusion information. It is about the process of entering into a pre-purchase agreement between product vendors.

According to a preferred method of the present invention, the information input and storage process as described above is preferably performed repeatedly during a predetermined agreement application form acceptance period, the acceptance of the agreement application form may be made in writing or through a slip, automatic response This can be done by telephone or by telephone.

If the customer information data, payment method information data and the contract conclusion information data for the conclusion of the agreement is completed (210), the server at least one or more plurality of customers stored in the storage medium (database) 100 Extracting the purchase agreement information data of a plurality of customers for a specific affiliate store (and / or a specific product) from the contract execution information data for 215, and the specific affiliate stores of the plurality of customers included in the purchase agreement information data (and / or A specific purchase amount (or amount) information data is calculated by summing the used amount of money) (220), and the specific merchant and / or product included in the contract conclusion information is used to calculate the purchase amount (or amount) information data. After providing to the sales company (225), and waits for receiving incentive information corresponding to the purchase amount (or amount) information data (230).

If predetermined incentive information is received from the specific merchant and / or the product vendor included in the contract conclusion information (235), the server may identify the specific merchant (and / or included in the incentive information and the purchase contract information data of the customer). A specific product) and calculate incentive information data for each customer through the use amount (240), and calculate the incentive information data for each customer from the customer information data (and / or payment means information data issued to the customer) and / or The data is stored in a predetermined storage medium (database) 100 (or a database) in association with the contract conclusion information data (245). As a result, a purchase contract agreement is concluded between at least one customer who has received the agreement conclusion application and a specific merchant and / or a product sales company that is expected to increase sales using the payment means issued to the customer.

3 is a diagram illustrating a process of confirming a purchase contract agreement in a server according to a preferred embodiment of the present invention.

In more detail, FIG. 3 illustrates a purchase contract agreement between at least one customer who has received an application for signing a contract as shown in FIG. 2, and a specific merchant and / or a product seller, which is expected to increase sales using a payment method issued to the customer. After the conclusion, the server receives the predetermined payment means usage history data from at least one or more information processing means provided in the payment system 185 using the payment means issued to the customer (300). It is about the process of confirming the purchase contract agreement for the payment method based on the usage history data. Those skilled in the art to which the present invention pertains, after the server is provided in the payment system 185 based on the functional configuration of the present invention described in FIG. The process of confirming the purchase contract agreement for the payment means may be easily inferred using the payment approval professional data transmitted and received on the system 185.

When predetermined payment means usage history data is received from the payment system 185 as described above (300), the server extracts payment means information (and / or customer information) and merchant information from the received payment means usage history data. In step 305, the storage medium (database) 100 is searched through the extracted payment means information (and / or customer information), and the storage medium (database) 100 is entered into a contract as shown in FIG. In the contract conclusion information data stored in the data, it is checked whether contract conclusion information data matching the payment means information (and / or customer information) exists (310).

If there is no contract execution information data matching the payment means information (and / or customer information) extracted from the payment means usage history data (315), the server deletes the received payment means usage history data ( 320, the above process is repeated until the purchase contract agreement for the customer is invalidated (345, 350).

On the other hand, if there is contract conclusion information data matching the payment means information (and / or customer information) extracted from the payment means usage history data (315), the server matches the payment means information (and / or customer information). The purchase agreement information data including information on a specific affiliate store (and / or a specific product) is extracted from the agreement conclusion information data to be obtained (325), and the affiliate store extracted from the purchase agreement information data and the payment means use history data. The information is compared and checked whether or not it is matched (330).

If the merchant information does not match (335), the server deletes the received payment means usage history data (320), until the purchase contract agreement for the customer is invalidated (345, 350) Repeat the process.

On the other hand, if the affiliated store information is matched (335), the server stores the information by using the specific affiliated store (or specific product) in association with the customer information data (and / or payment means information data) and the contract conclusion information data It is stored in the medium (database) 100 (340).

According to a preferred embodiment of the present invention, the above process is preferably repeated until the purchase contract agreement for the customer is invalidated (e.g., when the purchase contract agreement period expires). It is determined whether the purchase contract agreement of the customer is invalidated (e.g., whether a specific period included in the purchase agreement information data has elapsed) (345).

If the purchase agreement agreement for the customer is valid (350), repeat the check process of the purchase agreement agreement as described above, and if the purchase agreement agreement for the customer is invalid (350), the server is the storage medium ( The contract agreement information data stored in association with the customer information data is deactivated (or deleted) from the database (100) (355).

4 is a diagram illustrating a process of providing an incentive to a customer based on a purchase contract agreement in a server according to a preferred embodiment of the present invention.

In more detail, Figure 4 shows the storage medium (database) through the process as shown in Figure 3 when the purchase contract agreement period concluded between the agreement signing customer and a specific merchant and / or product sales company has elapsed ( It is for the case of calculating the incentive details to be provided to the customer based on the specific merchant (or specific product) usage history data accumulated in 100).

Referring to FIG. 4, the server may store a specific merchant (or a specific product) for a customer who has concluded a purchase contract agreement with a specific merchant and / or a product seller through the process of FIG. 2 from the storage medium (database) 100. The total purchase amount information data and / or the total purchase price information for all contracted customers by extracting usage history data 400 and summing the usage amount of a specific merchant (or a specific product) included in the specific merchant (or a specific product) usage history data; Calculate total purchase price information data for each customer (405), and read the calculated total purchase price information data for all contracted customers to provide predetermined incentives to the contracted customers (e.g., total purchase price) Whether a minimum purchase price condition that can provide this incentive is satisfied).

If the determination result is not able to provide incentives to the contract signing customer (415), the server is due to the predetermined incentive offer default information (for example, because the total purchase amount does not satisfy the minimum purchase amount that can provide incentives) Generating an incentive for which the promised incentive is not made) and notifying the contract execution customer (for example, by sending it in a conventional payment amount normal bill or providing a voice message via telephone) (420), The contract agreement information data associated with the customer information data is deactivated (425), whereby a purchase contract agreement between the contract agreement customer and the specific affiliate store and / or a product seller is destroyed.

On the other hand, if the determination result can provide incentives to the contract signing customer (415), the server provides the total purchase price information data for the contract customer and the specific merchant and / or product vendor, and approves (for example, purchase) Approving the provision of incentives for the implementation of contract agreements (430).

If the total purchase price information data is approved (435), the server provides incentive details to be provided to each contract concluded customer through the calculated total purchase price information data for each contract customer and the total purchase price information for each customer. In operation 440, an incentive corresponding to the calculated incentive details is provided to each customer according to a predefined incentive provision procedure 445.

According to a preferred embodiment of the present invention, it is preferable that the server provides each customer with the calculated incentive details in conjunction with a predetermined incentive providing external program and / or external information processing means provided to perform an incentive procedure. Do.

According to the present invention, a card company or a financial company issues a conventional payment means (e.g., a visitor visits a customer and applies for a card issuance in writing, or a customer applies for a card issuance through a reception desk), and / or a conventional customer A predetermined agreement to utilize a support service procedure (e.g., an automated response service (ARS) or call center using a call center) to purchase at least a certain amount (or a certain amount) of at least one or more specific products for a specific period of time without expensive marketing; And / or have the advantage of entering into a pre-purchase agreement that includes a commitment to purchase more than a certain amount of money at a particular merchant for a particular period, wherein the customer purchases at least one particular product for a specific period of time and / or Or more than a non-committed customer during the purchase process at a particular merchant There are benefits provided under the incentive.

Claims (13)

Payment method information provided by at least one customer having a specific payment method in the server and a predetermined agreement (or a certain merchant for a specific period) to purchase a certain amount (or a predetermined amount) of a certain product for a specific period using the payment method. Storing the data in a predetermined storage medium (or database) by cooperatively processing the contract information to purchase more than a predetermined amount of money); The server reads a specific product (or a specific merchant) purchase agreement information data for a specific period from the plurality of agreement conclusion information data stored in the storage medium, and adds the read plurality of purchase agreement information data for a specific period. Calculating predetermined purchase quantity (or amount) information data including total purchase amount (or purchase amount) information of a specific product or total available amount information of a specific merchant for a specific period of time; And The incentive information data provided to the customers who have signed the agreement in correspondence with the purchase quantity (or amount) information data calculated by the server is processed in association with the payment means information data to a predetermined storage medium (or database). The payment means management method corresponding to the pre-purchase contract, characterized in that comprises a.  The method of claim 1, On the basis of the calculated purchase quantity (or amount) information data, when a predetermined purchase contract is concluded with a specific product vendor or a specific merchant corresponding to the specific product (or a specific merchant), And receiving, at the server, predetermined contract condition information data according to a purchase contract with the specific product vendor or a specific merchant from a predetermined terminal, and storing the predetermined contract condition information data in a predetermined storage medium. How to manage payment method corresponding to the purchase contract. The method of claim 1, In accordance with the contract concluded by the at least one customer, when purchasing the specific product or using a particular merchant, the payment means, Receiving, at the server, payment method usage history data of the at least one customer from a predetermined terminal, and reading the specific affiliate store (or specific product) usage history data from the payment method usage history data; Calculating total purchase price information data for a predetermined period of time by summing usage amounts corresponding to specific merchant (or specific product) usage history data of the at least one or more customers read by the server; And Calculating the incentive details to be provided to the at least one or more customers by comparing the total purchase amount information data calculated by the server with the total purchase amount information data according to a contract concluded with the at least one or more customers; Payment method management method corresponding to the pre-purchase contract, characterized in that provided. The method according to claim 1 or 3, Extracting predetermined customer information data or payment means information data from the payment approval specialized data provided from a predetermined payment terminal in the server; And The plurality of payment approval expert data provided from a predetermined payment terminal by matching the extracted customer information data or payment means information data and the agreement target customer information data or customer payment means information data previously stored in the storage medium in the server Distinguishing payment approval data corresponding to the customer or the customer payment means of the contract conclusion of the payment method; payment method management method corresponding to the pre-purchase contract, characterized in that it further comprises. The method of claim 1, wherein the server, In accordance with the contract concluded by the at least one customer, when purchasing the specific product or using a particular merchant, the payment means, Receiving, at the server, payment method usage history data of the at least one customer from a predetermined terminal, and reading the specific affiliate store (or specific product) usage history data from the payment method usage history data; Calculating total purchase price information data for a predetermined period of time by summing usage amounts corresponding to specific merchant (or specific product) usage history data of the at least one or more customers read by the server; Calculating the incentive details to be provided to the at least one customer by comparing the calculated total purchase amount information data with the at least one customer with the total purchase amount information data according to a contract concluded with the at least one customer; And And providing a client with a predetermined incentive corresponding to the calculated incentive details by the server. The method of claim 5, wherein providing the client with a predetermined incentive corresponding to the calculated incentive history comprises: Transfer a predetermined discount amount corresponding to the incentive to the at least one customer financial account, or settle (-) the payment amount of the at least one customer, or provide the incentive to the at least one customer Payment method management method corresponding to the conclusion of the pre-purchase agreement, characterized in that provided in points or miles. The predetermined agreement according to claim 1, wherein the server purchases at least one predetermined amount (or a predetermined amount) of a specific product for a specific period of time using the payment means information provided from at least one customer having a specific payment means and the payment means. (Or a commitment to purchase more than a certain amount of money at a specific merchant for a specific period) and storing the connection information in a predetermined storage medium (or database), Read the specific product (or specific merchant) information data included in the agreement conclusion information data, and concludes the agreement with the customer information data (or information data on the payment means issued to the customer based on the customer information) Method for managing a payment method corresponding to the pre-purchase contract, characterized in that for storing the information data for each specific product (or specific merchant). The method of claim 1, wherein the server reads a specific product (or a specific merchant) purchase agreement information data for a specific period from the plurality of agreement conclusion information data stored in the storage medium, and reads the read plurality of purchase agreement information data. In addition, calculating the predetermined purchase quantity (or amount) information data including the total purchase amount (or purchase amount) information of a specific product or the total available amount information of a specific merchant for a specific period, After reading the contract conclusion product (or specific merchant) information data from the plurality of contract conclusion information data stored in the storage medium, the total purchase amount (or purchase amount) information of the specific product during the specific period or the specific period during the specific period A method of managing a payment method corresponding to a pre-purchase contract, characterized in that the predetermined purchase quantity (or amount) information data including the total available amount information of the affiliate store is calculated for each product or for a specific affiliate store. 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 method of claim 1, wherein the incentive is And a predetermined discount amount applied when purchasing the specific product (or a specific merchant selling product), and / or a predetermined point or mileage that can be provided to the customer. The method of claim 1, wherein the payment means, Method of managing payment means corresponding to the pre-purchase contract, 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 . The method of claim 1, wherein the specific product, Commodities of the type including petroleum products, including gasoline, kerosene, diesel, and / or A method of managing payment methods corresponding to a pre-purchase contract comprising an intangible service product including at least one of the accommodation products provided by the accommodation facility, the travel products provided by the travel agency, and the insurance products provided by the insurance company. . The method of claim 1, wherein the particular affiliated store, It includes at least one refinery that sells petroleum products, a large discount mart, a large store such as a department store, a restaurant, a lodging company such as a hotel, a travel agency that sells travel products, and an insurance company that sells treasured goods. Payment method management method corresponding to the pre-purchase contract, characterized in that.

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