KR20070120476A - Method for commodity(or affiliate store) recommendation by using (credit) card - Google Patents

Abstract

A method for recommending goods with a credit card is provided to promote use of the credit card and make profit with the credit card by generating a recommendation code of the goods, linking/providing the recommendation code and credit card information of recommended clients, and distributing the profit in a multilevel style based on relation between a recommending client and the recommended clients. A recommending client stores the recommendation code for recommending the goods or the member shop to a memory of a payment terminal by linking the recommendation code with the credit card information of the clients(310). The payment terminal searches the credit card information matched with the credit card information stored in the memory when the recommended client buys the recommended goods or uses the recommended member shop(330). The payment terminal extracts and transmits the recommendation code linked with the credit card information to a server. The server checks the received recommendation code and gives the recommending client incentive according to recommendation(340).

Description

Method for Commodity (or Affiliate Store) Recommendation by Using (Credit) Card}

1 is a simple configuration diagram in which a recommendation code provider and a client to be implemented in the present invention are connected through a wired or wireless network.

2 is a simplified block diagram for illustrating a relationship between a recommendation and a recommendation between a plurality of clients in accordance with the present invention.

3 is a flowchart briefly illustrating the overall process of implementing the present invention.

4 is a process for selecting a product (or merchant) to be recommended by a (recommended) client connected to a recommendation code provider and providing a recommendation unique code including recommended product (or merchant) information to the (recommended) client. Here is a simple flow chart.

FIG. 5 is a simple flowchart of a process of providing a recommended client with a recommendation unique code including recommended product (or affiliated store) information sent by the recommending client.

6 is a simple flowchart of a process in which a recommended client receiving a recommendation unique code including recommended product (or affiliated store) information from a recommendation client uses a card associated with the recommendation unique code.

7 is a unique recommendation to a recommended client in order for the recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. A simple flow diagram of the process of providing code information.

FIG. 8 illustrates information of a recommended client so that a recommendation client connected to the recommendation code generation server selects a recommendation product, generates a unique recommendation code, and matches the unique recommendation code with credit card information of the recommended client. Simple flow chart for the process provided.

9 is a recommendation client connected to a recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. This is a simple flowchart of the process of providing credit card information of a recommending client.

10 is a simple example of a case in which a recommendation code generation server and a payment terminal are provided, and information in which a unique recommendation code and credit card information of a recommended client exist in the payment terminal.

11 is composed of a recommendation code generation server, an authentication server, and a payment terminal, and provides the authentication server with information associated with the unique recommendation code and the credit card information of the recommended client to the authentication server to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

12 is composed of a recommendation code generation server, an authentication server, and a payment terminal, and provides a payment terminal with information in which a unique recommendation code and credit card information of a recommended client are linked to a payment terminal to use a unique recommendation code of a recommended client. This is a simple example of how to perform authentication.

13 is composed of a recommendation code generation server and a payment terminal, wherein the recommendation code generation server receives the purchased goods and credit card information of the recommended client from the payment terminal and authenticates the use of the recommended recommendation code of the recommended client. This is a simple example.

14 is a simple flowchart of a process in which a recommendation client connected to a recommendation code generation server selects a recommendation product, generates a unique recommendation code, and provides the recommendation client with unique recommendation code information to the recommended client.

15 illustrates a process of recommending clients providing recommended client information in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

FIG. 16 is a simple flowchart illustrating a process in which a recommendation client accessing a recommendation code generation server selects a recommendation product, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. to be.

17 is composed of a recommendation code generation server and a payment terminal, when the recommended client purchases the recommended product by credit card (all cards having a data storage function including an IC card or a smart card), the payment is made. Simple example of the case of extracting the unique recommendation code through the terminal to provide to the recommendation code generation server.

18 is a simple exemplary view of a case consisting of a recommendation code generation server, an authentication server and a payment terminal, and providing and storing a unique recommendation code generated through the recommendation code generation server to an authentication server located on a communication network. .

19 is a unique client to a recommended client in order to select a merchant to be recommended by a recommending client connected to the recommendation code generation server, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. This is a simple flow chart of the process of providing referral code information.

20 is a recommendation client accessing a recommendation code generation server, selects a recommendation affiliate, generates a unique recommendation code, and provides information of a recommended client to match the unique recommendation code with credit card information of a recommended client. Here is a simple flow chart of the process.

FIG. 21 illustrates a recommendation client connected to a recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. A simple flow chart of the process of providing credit card information.

22 is a simple example of a case in which a recommendation code generation server and a payment terminal are provided, and information in which a unique recommendation code and credit card information of a recommended client exist in the payment terminal.

23 is composed of a recommendation code generation server, an authentication server and a payment terminal, and provides the authentication server with information associated with the unique recommendation code and credit card information of the recommended client to the authentication server to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

24 is composed of a recommendation code generation server, an authentication server, and a payment terminal, and provides a payment terminal with information associated with a unique recommendation code and credit card information of a recommended client to a payment terminal for use of a unique recommendation code of a recommended client. This is a simple example of how to perform authentication.

25 is composed of a recommendation code generation server and a payment terminal, and the recommendation code generation server receives the purchase merchant and credit card information of the recommended client from the payment terminal and authenticates the use of the unique recommendation code of the recommended client. This is a simple example.

FIG. 26 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate store, generates a unique recommendation code, and provides unique recommendation code information to a recommended client.

FIG. 27 illustrates a process in which a recommendation client provides information of a recommended client in order for a recommendation client accessing the recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

FIG. 28 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. to be.

29 is composed of a recommendation code generation server and a payment terminal, and the recommended client uses a credit card (all cards having a data storage function including an IC card or a smart card) to purchase goods or use services at the recommended merchant. At the time, a simple example of the case of extracting the unique recommendation code through the payment terminal to provide to the recommendation code generation server.

30 is a simple exemplary view showing a case in which a recommendation code generation server, an authentication server, and a payment terminal are provided, and a unique recommendation code generated through the recommendation code generation server is provided to an authentication server located on a communication network and stored therein. .

<Description of main parts of drawing>

100: recommendation code provider 105: recommendation code provider module

110: applet providing module 115: recommendation code processing module

120: relationship data processing module 125: transmission processing module

130: recommendation code database 135: member information database

140: recommendation database 145: relational database

150: client

The present invention relates to a product (or affiliated store) recommendation method using a (credit) card. When the first client (recommended client) recommends a product or affiliated store to a second client (recommended client), the product or affiliated store information And storing the first client (recommended client) information and the second client (recommended client) information on a storage medium.

When the second client (recommended client) purchases a product or uses a merchant, the first client (recommended client) information is extracted based on the product or merchant information and second client (recommended client) information stored in the storage medium. And paying incentives according to the recommendation of a product or an affiliated store to the first client based on the first client (recommended client) information.

With the widespread popularity of the Internet, e-commerce on the Internet is developing a lot. Most e-commerce companies provide various payment methods in consideration of the user's convenience, and the user selects a payment method appropriate for himself or herself when purchasing goods or using services to enable electronic commerce.

There are a variety of payment methods, card payment, account transfer, mobile phone payment, etc. are representative ones, card payment is the most common of these trends. Cards are generally payment methods that users prefer to use online and offline, but their utilization is somewhat limited. In addition, cards that provide various services through various alliances with other companies are emerging, but when viewed closely, the card includes a limitation that it is only one payment method.

An object of the present invention for resolving the above problems is to provide a unique recommendation code for a product or affiliate shop recommended by a first client (recommended client) to a second client (recommended client) by the second client (recommended client). The second client (recommended client) at the payment terminal when a product recommended by the first client or a merchant is used as a card of the second client (recommended client) and the card is stored in the payment terminal memory by processing the card information in association with the card information. Comparing card information previously stored in the memory with card information, and matching card information is found as a result of the comparison, extracting a unique recommendation code associated with the card information, and providing the same to a server on a communication network; Check the unique recommendation code sent by the payment terminal, the first client Is the product recommendation method comprising the steps of: paying incentives to products like to provide.

The present invention relates to a product (or merchant) recommendation method using a (credit) card, wherein the first client (recommended client) recommends a unique recommendation code for a product or merchant recommended by the second client (recommended client). In the process of linking with the card information of the 2 clients (recommended client) and storing in the payment terminal memory and the second client (recommended client) card when purchasing the product recommended by the first client or using the merchant, at the payment terminal The card information of the second client (recommended client) is compared with the card information previously stored in the memory, and there is card information that is matched as a result of the comparison. After extracting a unique recommendation code associated with the card information, the server is connected to a server on a communication network. Providing and confirming the unique recommendation code sent by the payment terminal in the server, Characterized in that comprises a; paid to the group comprising: the first client incentives to like items.

According to the present invention, when a first client (recommended client) recommends a product or affiliated store to a second client (recommended client), the product or affiliated store information, first client (recommended client) information, and second client (recommended) Connecting the client information to the storage medium, and when the second client (recommended client) purchases a product or uses a merchant, based on the product or merchant information and second client (recommended client) information stored in the storage medium. And extracting the first client (recommended client) information and paying the first client an incentive for recommending a product or affiliate store based on the first client (recommended client) information. It is characterized by.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. 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 describing the present invention, when 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.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 is a simple configuration diagram in which the recommendation code provider 100 and the client 150 to be implemented in the present invention are connected through a wired or wireless network.

According to the present invention, it generates a recommendation unique code for the product (or merchant) according to the request from the client 150 connected through the wired or wireless network, and the generated recommendation unique code to other clients 150 (recommended client ( 150) provides a recommendation code provider 100 may be present independently, but it may be appropriate to be located in the card company for a smooth implementation of the present invention.

In addition, as described above, the method of providing the recommendation code generated by the recommendation code provider 100 is matched with the card information (including the card number) of the client 150 to be recommended and recommended within the recommendation code provider 100. The server management method for processing and storing related data, and the client 150 method for recommending the code provider 100 to be provided in an applet form so that the recommendation code provider 100 can be mounted on the IC card (or smart card) of the client 150. All of these may be possible, and in the case of the server management type, it is impossible to mount an applet, and a magnetic card that is currently used in the majority will be appropriate.

The recommendation code provider 100 may include a recommendation code providing module 105, an applet providing module 110, a recommendation code processing module 115, a relation data processing module 120, a transmission processing module 125, and a recommendation code database. 130, the member information database 135, the recommendation information database 140, the relational database 145, and the like, and the functions and operations of the module and the database are described in more detail below. do.

The recommendation code providing module 105 is a client 150 connected to the recommendation code provider 100 through a wired or wireless network to make a recommendation for a corresponding product (or an affiliated store) to another client 150. When the client 150 that has recommended the product (or affiliated store) generates an event such as a purchase by using the recommendation information received by the user, for the tracking of the recommended client 150 who recommends to generate the event. It generates the recommended unique code required.

In addition, the recommendation unique code includes information of recommendation clients 150 and information of a corresponding product (or affiliated store). In addition, the recommendation code may be generated through a random number generator or the like, and the number or form of the recommendation code may be generated including all numbers and letters.

In addition, the recommendation code providing module 105 is a new client 150 (recommended client 150) to obtain a recommendation unique code including the product (or merchant) information, etc. for the first generated recommendation code. When recommending the recommendation unique code obtained as the recommendation client 150 to the other client 150, it may be in charge of updating the recommendation code.

The applet providing module 110 processes the recommendation unique code including the recommended product (or affiliated store) information from the recommendation client 150 in the form of an applet and mounts it on the IC card or smart card possessed by the recommended client 150. To this end, it functions to form and provide the applet.

The applet including the recommended unique code is transmitted to the recommended client 150 on the wired / wireless network through a transmission processing module to be described below, and the recommended client 150 may be a card reader or a wireless communication device capable of inserting a card. It will be mounted on your IC card or smart card.

The recommendation code processing module 115 provides the recommendation code provider without downloading the applet including the recommendation unique code to the recommended client 150 when the recommended client 150 possesses a magnetic card or the like which cannot download the applet. The internal processing of the recommendation information including the recommendation code 100 is performed. In this case, the recommendation client 150 information, the recommendation unique code information, the recommended client 150 information, and the like are matched with the card information of each client 150 and processed in the recommendation code provider 100.

The relationship data processing module 120 may receive an event (such as a product purchase) from the recommended client 150 that obtains a recommendation unique code including recommended product (or affiliated store) information or the like (or purchase from a merchant). ), The client 150 recommending the corresponding product (or merchant) by reading the recommendation code through an applet including the recommendation unique code installed in the card used by the recommended client 150. By grasping the information of) (s) serves to generate the relationship data for the distribution of revenue between the recommended client 150 (s) and the recommended client 150.

The profit distribution may be provided in various forms such as discounts, points, coupons, tickets, miles, gift certificates, etc., but is not limited thereto. In addition, the revenue distribution ratio between the clients 150 is not particularly limited.

The transmission processing module 125 is responsible for transmitting information between the recommendation code provider 100 and the client 150, and the information is made through a wired or wireless network.

The recommendation code database 130 is a database on which the recommendation unique code generated by the recommendation code providing module 105 is mounted. The recommendation unique code is information of the recommendation client 150 and the recommended client 150. Is stored in the database.

The member information database 135 is a database in which information (personal information, card information, etc.) of the client 150 connected to the recommendation code provider 100 is stored, and the card information includes a card number, a card type, and the like. This includes.

The recommendation information database 140 includes a product (or affiliated store) information on which the recommended client 150 recommends the recommended client 150 to the recommended client 150. Information about (or affiliated stores) is possible, and the recommendation information is stored by matching with the recommendation unique code.

The relational database 145 is a database in which relational data generated to grasp the relationship between the recommended client 150 and the recommended client 150 is stored. The relational data mounted in the database is a recommended client. When an event (purchase, etc.) for the recommendation product (or affiliated store) information acquired by the recommendation client 150 from 150 is generated, it is made through confirmation of the recommendation unique code, which is generated between the client 150 (s). It has a favorable effect on profit sharing.

The client 150 connects to the recommendation code provider 100 through a wired or wireless network, and downloads an IC card or a smart card capable of downloading an applet including a recommendation unique code having information such as a recommendation product (or a merchant). The client 150 may download the applet using a personal computer equipped with a card reader, a wireless communication device capable of inserting a card, or the like, and the client 150 having a card that is difficult to download the applet has an Internet connection. The present invention can be used via a possible terminal.

2 is a simple block diagram for illustrating a relationship between a recommendation and a recommendation between a plurality of clients 150 according to the present invention.

As shown in FIG. 2, it is possible to transmit the recommendation unique code to the client 150 to the client 150, and may also be possible to the client 150 to the majority of the clients 150. The recommendation unique code generated by the original recommendation client 150 includes corresponding product (or affiliate) information for a specific product (or affiliate) selected by the recommendation client 150 and is provided to the recommended client 150. It is done.

The recommended client 150 provided with the recommendation unique code from the recommendation client 150 may become a new recommendation client 150 again and provide the recommendation unique code to the other client 150. The recommendation unique code may be appropriate in the form in which the original generated recommendation unique code is updated or associated with it, and this method facilitates distribution of profits by identifying recommendation and recommended relations among a plurality of clients 150 related to one recommendation unique code. Can help

Figure 3 is a flow chart briefly illustrating the overall process of the present invention is implemented.

This drawing generates a recommendation unique code for a corresponding recommendation product (or affiliated store) from a connection of a recommendation code provider 100 of a client 150 through a wired / wireless network, and transmits the recommendation unique code to the recommended client 150 to the recommended recommendation. When the client 150 generates an event such as a purchase through a card associated with the recommendation unique code including the recommendation product (or affiliated store) information recommended by the recommendation client 150, the proper revenue distribution between the clients 150 is performed. It is a flow chart of the prerequisite process to be provided.

The client 150 (recommended client 150) connects to the recommendation code provider 100 through the wired or wireless network (300), and recommends a product (or a merchant) to recommend to another client 150 (recommended client). (305). When the recommendation product (or merchant) selection of the recommendation client 150 is completed, the recommendation code provider 100 generates a recommendation unique code for the recommendation product (or merchant) (310). The recommendation unique code generated through the process is transmitted to the recommended client 150 (315).

When a recommendation unique code including generated recommendation product (or merchant) information is transmitted to the recommended client 150 through a wired or wireless network, the recommended client 150 may transmit the recommended product (or merchant) information. A recommendation unique code including a is obtained (320). When the recommended client 150 generates an event such as a purchase using a card associated with the obtained recommendation unique code (325), the recommendation code provider 100 checks the recommendation unique code included in the recommendation information. (330).

When the recommendation code provider 100 confirms the recommendation unique code, after identifying the relationship between the recommendation client 150 (s) and the recommended client 150 to construct the relationship data (335), the recommendation code is referred to as appropriate. Profit distribution is performed (340).

For example, the relationship data may be used in the distribution of revenue generated due to a purchasing event of the recommended client 150 when the recommendation between the recommending client 150 and the recommended client 150 is continuously progressed in a pyramid form. Clients 150 associated with the recommended client 150 (for example, when A recommends B, and when B recommends C again, client 150 associated with C is configured by A and B Data) to indicate the relationship with the data.

In addition, the processes shown in FIG. 2 indicate that the recommended client 150 may be repeated and executed when the recommended client 150 recommends the third client 150.

4 is a recommendation in which the (recommended) client 150 accessing the recommendation code provider 100 selects a product (or affiliated store) to be recommended and includes the recommended product (or affiliated store) information to the (recommended) client 150. This is a simple flow chart of the process of providing a unique code.

When the recommendation client 150 connects to the recommendation code provider 100 through the wired / wireless network (400) and selects a recommendation product (or a merchant) to recommend to the recommended client 150, the recommendation code provider 100 In operation 405, the recommended client 150 checks the selected recommended product (or affiliated store) information. The recommended product (or affiliated store) information may be information for the recommended client 150 to inform the recommended client 150 of information on a product (or affiliated store) having a specific content in detail, and the recommended client using the recommended client 150. It is revealed that the information may be 150 to induce a purchase of the product (or affiliated store).

When the recommendation code provider 100 confirms the recommended product (or affiliated store) information, the recommendation code providing module in the recommendation code provider 100 generates a recommendation unique code for the information (410). The recommendation unique code means a unique code matching the recommendation client 150, and the generated unique recommendation code includes information about a product (or an affiliated store) recommended by the recommendation client 150.

When the recommendation unique code is generated through the recommendation code providing module, the recommendation code provider 100 obtains information of the recommended client 150 from the recommendation client 150 (415). The information of the recommended client 150 may include transmission means on a wired / wireless network capable of transmitting a recommendation unique code including the recommended product (or affiliated store) information, card information of the client 150, and the like. The transmission means means a means for moving the recommendation information sent to the recommended client 150 of the recommendation client 150, for example, in the case of a wired network, e-mail, in the case of a wireless network, SMS (LMS, MMS), etc. It will be possible, and not limited to this for the smooth implementation of the present invention, it is specified that it can include all transmission means over a wired and wireless network.

In addition, the card information may distinguish whether the recommendation unique code including the recommended product (or merchant) information is an IC card (or a smart card) that can be mounted in the form of an applet or an existing magnetic card. Card information such as a card number.

When the recommendation code provider 100 obtains the information of the recommended client 150, the card information of the recommended client 150 may be checked (420), and the applet including the recommended unique code may be loaded ( IC card or smart card) or an existing magnetic card. If the card can be loaded with the applet including the recommendation information (425), the recommendation code provider 100 provides the applet including the recommendation information on the IC card or smart card of the recommended client 150 through the wired or wireless network. It is made (430).

However, in the case of a card that cannot mount an applet or the like including the recommendation unique code (435), the recommendation code provider is matched with the client 150 information and the card information through the recommendation code processing module in the recommendation code provider 100. It is stored in 100 (440).

FIG. 5 is a simple flowchart illustrating a process of providing a recommendation client 150 with a recommendation unique code including information on recommendation products (or merchants) sent by the recommendation client 150.

In the drawing, the recommendation client 150 sends a recommendation unique code including recommended goods (or affiliated store) information to the recommended client 150, and the recommendation code provider 100 of the recommended client 150 Checking the information to provide the corresponding recommendation unique code, and the recommended client 150 receives the event to generate an event, such as a product (or at a recommended merchant) purchase through the card associated with the recommendation unique code Simple flow chart.

After the recommendation code provider 100 confirms the information of the recommended client 150 to obtain the recommendation unique code from the recommendation client 150 (500), the recommended client 150 the recommended product (or affiliated store) information You will see if you can receive the recommended unique code that contains. If the recommended unique code including recommended product (or affiliated store) information is provided to the recommended client 150 in the form of an applet (505), the applet download initialization operation of the recommended client 150 is performed (510). ).

The applet download initialization operation means that the recommended client 150 determines whether an environment in which the applet is downloaded by the user's IC card or a smart card is appropriate, and more specifically, whether the card reader is connected or required for downloading the applet. Whether or not the basic application is provided, such as determining the validity of the card.

However, when the card possessed by the recommended client 150 is a card that cannot be downloaded by the applet including the recommendation unique code (515), the client 150 information is provided through the recommendation code processing module in the recommendation code provider 100. And the card information is stored in the recommendation code provider 100 and processed (520), the recommended client 150 uses the card associated with the recommendation unique code for the corresponding recommendation product (or a recommended affiliate store). In step 525, a purchase of a product is performed.

Since the applet including the recommended unique code can be provided to the recommended client 150 and the download initialization operation of the applet is completed, the applet containing the recommended unique code is recommended through the wired / wireless network after determining whether to download the applet. The download is performed to the card (IC card or smart card) of the client 150 (530).

If the download is not performed smoothly (535), a retry message is output (540).

When the recommended unique code download in the form of an applet having recommended product (or affiliated store) information is completed to the card of the recommended client 150 (545), the recommended client 150 uses the card on which the applet is mounted. The purchase of a product according to the recommended corresponding product (or affiliated store) information is performed (550).

6 is a simple flowchart illustrating a process of using a card associated with the recommendation unique code by the recommended client 150 having received the recommendation unique code including the recommendation product (or affiliated store) information from the recommendation client 150.

The card associated with the recommendation unique code obtained by the recommended client 150 that has obtained the recommendation unique code including the recommended product (or affiliated store) information from the recommendation client 150 is included in the product recommended by the recommendation client 150. When used at the time of purchase (or at a recommended merchant) (600), the recommendation code provider 100 checks the recommended unique code obtained by the recommended client 150 (605). Confirmation of the recommendation unique code is necessary to prepare the relationship data for the recommendation client 150 and the recommended client 150, and contributes to the appropriate revenue distribution by using this.

As described above, according to the type of the card held by the recommended client 150, the obtaining of the recommended product information may include a method of the client 150 storing the recommendation unique code in the form of an applet on the IC card (or smart card); If you have a card that can't load applet-like recommendations, you can use the server management method.

In the case of the client 150 scheme, the recommendation code provider 100 reads the recommendation unique code according to the use of the card of the recommended client 150 by using the card (IC card or smart card) of the recommended client 150. This is made possible by an applet built in. The applet stores a recommendation unique code including information on recommended products (or affiliated stores), and is mounted on a predetermined area of the card, and is used to purchase a recommended product (or at a recommended affiliated store). Updates are made accordingly. In addition, the applet information may be transmitted from the payment terminal (CAT, POS, etc.) to the card company or the recommendation code provider 100 in real time, or may be transmitted in a batch form.

When the recommendation code provider 100 confirms the recommendation unique code of the recommended client 150, the relationship data processing module in the recommendation code provider 100 may use the relation data between the recommendation client 150 and the recommended client 150. It will be written (610).

The relationship data is generated by matching the card information, member information, and recommendation unique code of the recommendation client 150 (s) and the recommended client 150 (s), and the recommendation code provider 100 is used as the relationship data. Profit distribution can be performed (615).

When appropriate distribution of revenue for each client 150 is completed using the relationship data, the recommendation code provider 100 may store the details in a database (620).

Hereinafter, in a preferred embodiment of the present invention, a server-managed method for implementing the present invention by cooperatively processing credit card information of a recommended client without downloading a unique recommendation code will be described in more detail with reference to the accompanying drawings. do.

FIG. 7 is a unique recommendation to a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. A simple flow diagram of the process of providing code information.

According to the present invention, the use of the unique recommendation code of the recommended client can be authenticated by allowing the unique recommendation code including the product information and the recommendation client information and the credit card information of the recommended client to be matched and stored.

The recommendation client connects to the recommendation code generation server 700, selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 705, the recommendation code generation server determines whether the recommendation client is a member.

The determination of the membership, if the member of the recommendation code generation server (710), the recommendation client does not need to enter their personal information for the generation of a unique recommendation code, the recommendation code generation server automatically In step 715, the member information may be searched to generate a recommendation code. However, if the recommendation client is not a member (720), the recommendation client enters his or her personal information to generate a unique recommendation code (725).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information.

When the unique recommendation code is generated, the recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (730).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (735), and if the recommendation client wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client must Provide credit card information (740).

The recommendation code generation server receives the credit card information from the recommended client, and matches and stores the unique recommendation code and the credit card information of the recommended client (745).

8 shows information of a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. Simple flow chart for the process provided.

The recommendation client connects to the recommendation code generation server (800), selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 805, the recommendation code generation server determines whether the recommendation client is a member.

In the determination of whether or not the member is a member of the recommendation code generation server (810), the recommendation client does not need to manually input his or her personal information to generate a unique recommendation code, and the recommendation code generation server automatically In operation 815, the member information may be searched to generate a recommendation code. However, if the recommendation client is not a member (820), the recommendation client enters his or her personal information to generate a unique recommendation code (825).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information.

When a unique recommendation code is generated, the recommendation client sends the recommendation code generation server to contact the recommendation client with information (e.g., telephone number, mobile phone number, address, etc.) of the recommendation client to provide the unique recommendation code to the recommended client. All inclusive).

The recommendation code generation server that obtains the recommended client information from the recommendation client provides the recommended recommendation client information to the recommended client according to the information (835).

If the recommended client confirms the unique recommendation code information from the recommendation code generation server, the recommended client connects to the recommendation code generation server (840).

If the recommended client accessing the recommendation code generation server wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client provides its own credit card information (845) and the recommendation code generation server. In operation 850, the unique recommendation code and credit card information of the recommended client are matched and stored.

9 shows a recommendation client connected to a recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. This is a simple flowchart of the process of providing credit card information of a recommending client.

The recommendation client connects to the recommendation code generation server 900, selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 905, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (910), the recommendation client does not need to manually input his or her personal information to generate a unique recommendation code, and the recommendation code generation server automatically Search for the member information to generate a recommendation code (915). However, if the recommendation client is not a member (920), the recommendation client must input his or her personal information to generate a unique recommendation code (925).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information, the recommendation client provides credit card information of the recommended client (930). ).

The recommendation code generation server that obtains the credit card information of the recommended client provides a message informing the recommended client of the use of the credit card information before confirming the credit card information (935). If it is confirmed and allowed (940), the credit card information is only confirmed and matched with the unique recommendation code and stored (945).

Hereinafter, after the unique recommendation code is generated through the processes of FIGS. 7, 8, and 9, and the generated unique recommendation code and credit card information of the recommended client are matched and stored, the recommended client is stored. In the process of using the credit card, a simple example of the authentication process of the unique recommendation code.

FIG. 10 is a simple example of a case in which a recommendation code generation server and a payment terminal are included and information in which a unique recommendation code and credit card information of a recommended client exist in a payment terminal.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) a product to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server recalls the recommendation product information. A unique recommendation code is generated in association with the recommendation client information, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (1).

According to this figure, the recommendation code generation server provides the associated unique recommendation code and the information of the recommended client to the payment terminal of a merchandise sales affiliated store (2), and the payment terminal pays the linked information. It is stored in the terminal memory area (3).

When the recommended client purchases a product recommended by the recommendation client at the affiliated store, when the linked card is used (4), the payment terminal is associated with the unique recommendation code previously stored in the memory area. A comparison is made with credit card information of the recommended client (5).

Through the comparison, the payment terminal extracts the unique recommendation code for the sale product (6), transmits the extracted unique recommendation code to the recommendation code generation server (7), and the recommendation code generation server is the payment terminal. By obtaining the unique recommendation code from the information of the recommendation client included in the unique recommendation code, it is provided to the recommendation client to provide the appropriate incentive according to the product recommendation (8). The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

The unique recommendation code provided by the payment terminal to the recommendation code generation server may be periodically provided in a real time or batch manner. .

11 is composed of a recommendation code generation server, an authentication server and a payment terminal, and provides the authentication server with information associated with the unique recommendation code and the credit card information of the recommended client to the authentication server to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

The recommendation code generation server generates a unique recommendation code by linking information about a product recommended by the recommendation client with the recommendation client information, and stores the generated unique recommendation code in association with the credit card information of the recommended client. (1), the recommendation code generation server provides credit card information of the recommended client and information associated with the unique recommendation code to an authentication server located on a communication network (2).

According to this figure, the unique recommendation code provided to the authentication server and the associated information of the recommended client are stored in the database of the authentication server (3).

When a purchase of a product recommended by the recommending client is performed using a card of the recommended client linked to the unique recommendation code (4), the product sales settlement terminal obtains credit card information from the card of the recommended client. (5), the acquired credit card information is provided to the authentication server (6).

The authentication server that obtains the credit card information of the recommended client from the payment terminal extracts the unique recommendation code by using the credit card information of the recommended client linked to the unique recommendation code previously stored in the database (7). .

The authentication server provides the extracted unique recommendation code to the payment terminal (8) to confirm whether it matches the product information included in the unique recommendation code (9), and to provide the confirmed information to the authentication server (10). .

The authentication server confirms the unique recommendation code confirmation information received from the payment terminal (11) and provides the verified unique recommendation code to the recommendation code generation server (12). The recommendation code generation server obtains a unique recommendation code from the authentication server and grasps information of the recommendation client included in the unique recommendation code, thereby providing the recommendation client with an appropriate incentive according to the product recommendation (13).

The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

12 is composed of a recommendation code generation server, an authentication server and a payment terminal, and provides the payment terminal with information associated with the unique recommendation code and credit card information of the recommended client to the payment terminal to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

 When the recommendation client connected to the recommendation code generation server selects (or inputs) a product to be recommended to the recommended client and provides recommendation product information, the recommendation code generation server includes the recommendation product information and the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (1).

According to this figure, the recommendation code generation server provides the credit card information of the recommended client linked to the unique recommendation code to the payment terminal of the recommended product sales affiliated store (2), and the payment terminal provides the unique recommendation code. (3) store the credit card information of the recommended client processed in association with the (3).

When the recommended client makes a purchase of a product recommended by the recommending client using the linked card (4), the payment terminal acquires credit card information from the card of the recommended client (5), The unique recommendation code for the product is extracted by comparing the unique recommendation code stored in the memory area with credit card information linked to the unique recommendation code (6).

The payment terminal provides the extracted unique recommendation code to the authentication server (7), the authentication server checks the received unique recommendation code (8), and provides the recommendation code according to the purchased product to the recommendation code generation server. (9).

FIG. 13 includes a recommendation code generation server and a payment terminal, and the recommendation code generation server receives the purchased goods and credit card information of the recommended client from the payment terminal and authenticates the use of the recommended recommendation code of the recommended client. This is a simple example.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) a product to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server recalls the recommendation product information. A unique recommendation code is generated in association with recommendation client information, and the generated unique recommendation code is processed in association with credit card information of the recommended client to be stored in a predetermined database (1).

When the recommended client makes a purchase of a product recommended by the recommended client using his card (2), the payment terminal of the product selling store acquires the product information and credit card information of the recommended client ( 3) provide to the recommendation code generation server (4).

Product information provided by the payment terminal to the recommendation code generation server and credit card information of the recommended client may be provided in a batch in real time or in a batch manner.

The recommendation code generation server receives the product information and the recommended client credit card information from the payment terminal, and extracts the unique recommendation code associated with the credit card information of the recommended client previously stored in a predetermined database. 5).

The recommendation code generation server uses the extracted unique recommendation code (6) to provide appropriate incentives according to product recommendation of the recommendation client (7). The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

Hereinafter, in a preferred embodiment of the present invention, a client type that generates a unique recommendation code in the form of an applet and provides it as a credit card (all cards having a data storage function including an IC card or a smart card) of the recommended client. The method will be described in more detail with reference to the accompanying drawings.

Hereinafter, according to an embodiment, the use of the unique recommendation code of the recommended client may include a unique recommendation code including product information and the recommendation client information in the form of an applet (including all types of data that can be stored in the credit card). Receiving a credit card (IC card, or any card having a data storage function including a smart card) of the recommended client, the credit card (IC card, or having a data storage function including a smart card) When purchasing a recommendation product through all cards), it is possible to authenticate the unique recommendation code applet mounted on the credit card.

According to the present embodiment, when the credit card includes at least one IC chip or a memory area mounted in a wireless (mobile) terminal including credit card information, the wireless (mobile) terminal may include a PCS ( Personal Communication System (GSM), Global System for Mobile Communication (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone (IMT-2000), International Mobile Telecommunication- 2000) and all wireless terminals.

In addition, as described above, it is revealed that the unique recommendation code includes recommendation client information and information on products recommended by the recommendation client, and the generated unique recommendation code is loaded on the recommended client and operated offline. In the generating step, it may include an encryption process.

In addition, according to the present invention, in the present embodiment, the unique recommendation code, if the credit card number system includes, it is specified that the transmission through the wired and wireless communication network and short-range data communication.

According to the present invention, in the present embodiment, if the unique recommendation code includes a credit card number system, the unique recommendation code may be transmitted through wired / wireless communication network and short-range data communication, and the unique recommendation code may be a one-dimensional barcode or a two-dimensional barcode. In the case of electronic authentication image data including a 3D barcode, a color barcode, and the like, the payment terminal further includes a barcode reader capable of recognizing the electronic authentication image data.

In addition, the short range data communication more specifically means data communication using infrared data communication, RF (Radio Frequency) data communication, Bluetooth data communication, and wireless LAN.

In addition, the incentive payment according to the product recommendation specifies that the first client, the second client, ..., n-th client can be paid in stages.

14 is a simple flowchart of a process in which a recommendation client connected to a recommendation code generation server selects a recommendation product, generates a unique recommendation code, and provides the recommendation client with unique recommendation code information to the recommended client.

The recommendation client accesses the recommendation code generation server (1400), selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 1405, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (or a website associated with the server) (1410), the recommendation client needs to input his or her personal information in order to generate a unique recommendation code. The recommendation code generation server may automatically search for member information to generate a recommendation code (1415).

However, when the recommendation client is not a member (1420), the recommendation client inputs his or her personal information to generate a unique recommendation code (1425).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information, and provides information on the generated unique recommendation code to the recommended client. The recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (1430).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (1435), and if it wants to use the generated unique recommendation code, the recommendation code generation server sends the recommendation code to the recommendation client. Request a download (1440).

The recommendation code generation server may provide the generated unique recommendation code to a credit card (IC card or any card having a data storage function including a smart card) of the recommended client according to the request of the recommended client ( 1445).

15 illustrates a process in which a recommendation client provides information of a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

The recommendation client connects to the recommendation code generation server 1500 to generate a unique recommendation code to be provided to the recommended client, selects (or inputs) a product to recommend, and generates the unique recommendation code to the recommendation code generation server. Upon request (1505), the recommendation code generation server determines whether the recommendation client is a member, and if the user is a member (1510), the recommendation code generation server automatically searches for member information to extract information of the recommendation client, and A unique recommendation code including the recommended product information may be generated (1515).

However, if the recommendation client is not a member (1520), the recommendation client must input his or her personal information to generate a unique recommendation code (1525).

When the recommendation client information is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information. When the recommendation client code is generated, the recommendation client generates the unique recommendation code information. In order to provide the recommended client, the recommendation code generation server provides the recommended client's information (including all of contact information such as an email, a phone number, a mobile phone number, and an address) to the recommended code generation server (1530).

The recommendation code generation server that obtains the recommended client information from the recommending client provides the recommended client with unique recommendation code information including product information and recommended client information with reference to the information (1535).

When the recommended client receives the unique recommendation code information including the recommendation client information and the product information from the recommendation code generation server, the recommended client accesses the recommendation code generation server (1540).

If the recommended client connected to the recommendation code generation server wants to use a unique recommendation code generated according to the request of the recommendation client, the recommended client may store a data storing function including its own credit card (IC card or smart card). All cards having a) request to download the unique recommendation code (1545).

The recommendation code generation server receiving the unique recommendation code download request of the recommended client may use the generated unique recommendation code as a credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. To be provided (1550).

Figure 16 is a simple process for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, obtain the generated unique recommendation code by the recommendation client, and provide the recommendation client to the recommended client. It is a flow chart.

The recommendation client connects to the recommendation code generation server 1600, selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 1605, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (1610), the recommendation code generation server generates a unique recommendation code through a member information search (1615). However, if the recommendation client is not a member (1620), the recommendation client must enter his or her personal information to generate a unique recommendation code (1625).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information, the recommendation client requests the provision of the generated unique recommendation code (1630). ).

The recommendation client provides the recommended client with the unique recommendation code obtained from the recommendation code generation server (1635). If the recommended client does not allow obtaining a unique recommendation code, the recommendation client receives a unique recommendation code not available message, and if the recommended client allows obtaining a unique recommendation code (1640), The unique recommendation code is placed on the recommended client's credit card (IC card, or any card having a data storage function including a smart card) (1645).

In the following embodiment, a unique recommendation code is generated through the process of FIGS. 14, 15, and 16, and a unique recommendation code including a recommendation client information and recommendation product information is selected from a credit card (IC card, Or all cards having a data storage function including a smart card), and then, in the process of the recommended client using a credit card equipped with the unique recommendation code, a simple example of the authentication process of the unique recommendation code. It is an attempt.

Fig. 17 is composed of a recommendation code generation server and a payment terminal, and when the recommended client purchases the recommendation product with a credit card (all cards having a data storage function including an IC card or a smart card), the payment is made. Simple example of the case of extracting the unique recommendation code through the terminal to provide to the recommendation code generation server.

The recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) a product to be recommended to the recommended client to provide recommendation product information, and the recommendation code generation server reads the recommendation product information. The unique recommendation code is generated in association with the recommendation client information, and the generated unique recommendation code is provided to the credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. (One).

When the recommended client purchases the product recommended by the recommending client with the credit card (2), the payment terminal of the product selling store extracts the unique recommendation code stored in the credit card of the recommended client, or It is provided from the credit card of the recommended client (3) and provided to the recommendation code generation server (4).

The recommendation code generation server pays appropriate incentives for product recommendation of the recommendation client based on the unique recommendation code provided from the payment terminal (5).

FIG. 18 is a simple exemplary view of a case in which a recommendation code generation server, an authentication server, and a payment terminal are provided, and a unique recommendation code generated through the recommendation code generation server is provided to an authentication server located on a communication network and stored therein. .

When the recommendation client connects to the recommendation code generation server and selects (or inputs) a product to be recommended to the recommended client and provides recommendation product information, the recommendation code generation server associates the recommendation product information with the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is provided to a credit card (IC card or any card having a data storage function including a smart card) of the recommended client (1).

The recommendation code generation server provides the unique recommendation code information to the authentication server on the communication network (2), and the authentication server stores the unique recommendation code information in a database in the authentication server (3).

When the recommended client attempts to purchase a product recommended by the recommending client with a credit card storing a unique recommendation code (4), the product sales payment terminal extracts the unique recommendation code stored in the credit card of the recommended client. (Or received from the credit card of the recommended client) (5) provided to the authentication server (6).

When the unique recommendation code is provided to the authentication server, the authentication server performs an authentication process by comparing the provided unique recommendation code with the unique recommendation code information previously stored in a database (7), and the unique recommendation code to the recommendation code generation server. (8), the recommendation code generation server pays appropriate incentives for product recommendation of the recommendation client based on the unique recommendation code provided from the payment terminal.

Hereinafter, a preferred embodiment of the present invention downloads a unique recommendation code including recommended merchant information and recommended client information to a recommended client credit card (all cards having a data storage function including an IC card or a smart card). Instead, the server-managed method for implementing the present invention by linking with the credit card information of the recommended client will be described in more detail with reference to the accompanying drawings.

FIG. 19 is unique to a recommended client in order to select a merchant to recommend by a recommending client connected to the recommendation code generation server, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. This is a simple flow chart of the process of providing referral code information.

According to the present invention, the use of the unique recommendation code of the recommended client can be authenticated by allowing the unique recommendation code including the recommended merchant information and the recommendation client information and the credit card information of the recommended client to be matched and stored.

The recommendation client connects to the recommendation code generation server (1900), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 1905, the recommendation code generation server determines whether the recommendation client is a member.

In the determination of whether or not a member is a member of the recommendation code generation server (1910), the recommendation code generation server may automatically search for member information and extract recommended client information to generate a unique recommendation code (1915). ). However, if the recommendation client is not a member (1920), the recommendation client inputs his or her personal information to generate a unique recommendation code (1925).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate store information.

When the unique recommendation code is generated, the recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (1930).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (1935), and if the recommendation client wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client may Credit card information is provided (1940).

The recommendation code generation server receives the credit card information from the recommended client, and matches and stores the unique recommendation code and the credit card information of the recommended client (1945).

20 shows information of a recommended client so that a recommendation client connected to the recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, and matches the unique recommendation code with credit card information of the recommended client. Here is a simple flow chart of the process.

The recommendation client accesses the recommendation code generation server (2000), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. If (2005), the recommendation code generation server determines whether the recommendation client is a member.

The determination of whether or not the member is a member of the recommendation code generation server (2010) may cause the recommendation code generation server to automatically search for member information to generate a recommendation code (2015). However, if the recommendation client is not a member (2020), the recommendation client enters his or her personal information to generate a unique recommendation code (2025).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate store information.

When the unique recommendation code is generated, the recommendation client may contact the recommendation code generation server with information of the recommended client (e.g., a telephone number, a mobile phone number, an address, etc.) to provide the recommended recommendation code information to the recommended client. It includes all) (2030).

The recommendation code generation server that obtains the recommended client information from the recommending client provides the recommended client with information of the unique recommendation code including the recommended affiliate store information and the recommended client information with reference to the information (2035).

If the recommended client confirms the unique recommendation code information from the recommendation code generation server, the recommended client connects to the recommendation code generation server (2040).

If the recommended client accessing the recommendation code generation server wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client provides the credit card information of the user (2045), and the recommendation code generation server The unique recommendation code and the credit card information of the recommended client are matched and stored (2050).

21 shows a recommendation client connected to the recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. A simple flow chart of the process of providing credit card information.

The recommendation client connects to the recommendation code generation server (2100), selects (or inputs) a merchant to recommend for generating a unique recommendation code to be provided to the recommended client, and generates the unique recommendation code in the recommendation code generation server. If requested (2105), the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (2110), the recommendation client does not need to manually input his or her personal information to generate a unique recommendation code. Search for the member information to generate a recommendation code (2115). However, if the recommendation client is not a member (2120), the recommendation client must input his or her personal information to generate a unique recommendation code (2125).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information, the recommendation client provides credit card information of the recommended client (2130). ).

The recommendation code generation server that obtains the credit card information of the recommended client provides a message informing the recommended client of using the credit card information through the wired / wireless network before confirming the credit card information (2135). If the recommended client confirms and allows it (2140), the credit card information is only confirmed and then stored in accordance with the unique recommendation code (2145).

In the following embodiment, the unique recommendation code including the recommended merchant and recommendation client information is generated through the process of FIGS. 19, 20, and 21, and the generated unique recommendation code is matched with the credit card information of the recommended client. After this, the recommended client in the process of using the credit card, a simple example of the authentication process of the unique recommendation code.

22 is a simple example of a case in which a recommendation code generation server and a payment terminal are provided, and information in which a unique recommendation code and credit card information of a recommended client exist in the payment terminal.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) an affiliate store to be recommended to the recommended client and provides the recommendation merchant information, the recommendation code generation server recalls the recommendation merchant information. The unique recommendation code is generated in association with the recommendation client information, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (a).

According to this figure, the recommendation code generation server provides the associated unique recommendation code and the information of the recommended client to the payment terminal of the recommended affiliate store (b), and the payment terminal pays the linked processing information. (C) store in the terminal memory area.

When the recommended client uses the linked card when purchasing a product or using a service at the recommended affiliated store (d), the payment terminal is linked with the unique recommendation code previously stored in a memory area. (E) A comparison is made with the credit card information of the recommended client.

Through the comparison, the payment terminal extracts the unique recommendation code for the recommendation merchant (f), transmits the extracted unique recommendation code to the recommendation code generation server (g), and the recommendation code generation server is unique from the payment terminal. Obtaining the recommendation code, grasping the information of the recommendation client included in the unique recommendation code, to provide the recommendation client with the appropriate incentive according to the product recommendation (h). The incentive includes at least one of cash, or points, or miles, or tickets, or gift certificates.

The unique recommendation code provided by the payment terminal to the recommendation code generation server may be provided in a batch in real time or in a batch manner.

Fig. 23 is composed of recommendation code generation server, authentication server and payment terminal, and provides the authentication server with the information related to the unique recommendation code and the credit card information of the recommended client to the authentication server. This is a simple example of how to perform authentication.

If the recommendation code generation server generates a unique recommendation code by linking the information on the affiliated store recommended by the recommendation client with the recommendation client information, and stores the generated unique recommendation code in association with the credit card information of the recommended client (a), the recommendation code generation server provides credit card information of the recommended client and information associated with the unique recommendation code to an authentication server located on a communication network (b).

The unique recommendation code provided to the authentication server and the associated processed information of the recommended client are stored in the database of the authentication server (c).

(D) When the product purchase or service use is performed at the affiliated shop recommended by the recommending client with the card of the recommended client linked to the unique recommendation code, the product sales settlement terminal receives credit card information from the card of the recommended client. Obtain (e) and provide the obtained credit card information to the authentication server (f).

The authentication server that obtains the credit card information of the recommended client from the payment terminal extracts the unique recommendation code by using the credit card information of the recommended client linked to the unique recommendation code previously stored in a database (g). .

The authentication server confirms (h) the unique recommendation code confirmation information received from the payment terminal (i) and provides the confirmed unique recommendation code to the recommendation code generation server (j). The recommendation code generation server obtains a unique recommendation code from the authentication server and grasps information of the recommendation client included in the unique recommendation code, thereby providing the recommendation client with an appropriate incentive according to the merchant recommendation (k).

The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

Fig. 24 is composed of recommendation code generation server, authentication server and payment terminal, and provides the payment terminal with information related to the unique recommendation code and credit card information of the recommended client to the payment terminal to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

 When the recommendation client connected to the recommendation code generation server selects (or inputs) a merchant to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server includes the recommendation affiliate information and the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (a).

The recommendation code generation server provides the credit card information of the recommended client linked to the unique recommendation code to the payment terminal of the affiliated shop recommended by the recommendation client (b), and the payment terminal is associated with the unique recommendation code. (C) storing the credit card information of the recommended client in the memory area of the payment terminal.

When the recommended client performs a purchase or use of a service to the affiliated shop recommended by the recommending client using the linked card (d), the payment terminal obtains credit card information from the card of the recommended client; e) extracting a unique recommendation code for the affiliated store by comparing the credit card information associated with the unique recommendation code stored in the memory area (f).

The payment terminal provides the extracted unique recommendation code to the authentication server (g), and the authentication server checks the received unique recommendation code (h), and provides the recommendation code according to the recommendation merchant to the recommendation code generation server. (I).

25 is composed of a recommendation code generation server and a payment terminal, wherein the recommendation code generation server receives the purchase merchant and credit card information of the recommended client from the payment terminal and authenticates the use of the unique recommendation code of the recommended client. This is a simple example.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) an affiliate store to be recommended to the recommended client and provides the recommendation merchant information, the recommendation code generation server recalls the recommendation merchant information. A unique recommendation code is generated in association with recommendation client information, and the generated unique recommendation code is processed in association with credit card information of the recommended client to be stored in a predetermined database (a).

(B) When a recommended client uses his or her card to perform a purchase or use of a service at a merchant recommended by the recommending client (b), the payment terminal of the product selling affiliate stores the merchant information and the credit card information of the recommended client. Obtain (c) and provide it to the recommendation code generation server (d).

The recommendation merchant information provided by the payment terminal to the recommendation code generation server and the credit card information of the recommended client may be collectively provided in real time or in a batch manner.

The recommendation code generation server receives the product information and the recommended client credit card information from the payment terminal, and extracts the unique recommendation code associated with the credit card information of the recommended client previously stored in a predetermined database. e).

The recommendation code generation server uses the extracted unique recommendation code (f) to provide an appropriate incentive according to the affiliated store recommendation of the recommendation client (g). The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

Hereinafter, in a preferred embodiment of the present invention, a data store function including a credit card (IC card or smart card) of a recommended client is generated by generating a unique recommendation code including applet information and recommendation client information in the form of an applet. With reference to the accompanying drawings, a more detailed description will be given of the client-type method provided by all the cards).

Hereinafter, according to the embodiment, the use of the unique recommendation code of the recommended client may include all of the types of data that can be stored in the applet form (others including the recommendation merchant information and the recommendation client information). A credit card (IC card or any card having a data storage function including a smart card) of the recommended client, and the credit card (IC card or a data card including a smart card) is provided. When purchasing a product purchase or service use at the recommendation merchant through all the cards), it is possible by authenticating the unique recommendation code applet mounted on the credit card.

According to the present embodiment, when the credit card includes at least one IC chip or a memory area mounted in a wireless (mobile) terminal including credit card information, the wireless (mobile) terminal may include a PCS ( Personal Communication System (GSM), Global System for Mobile Communication (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone (IMT-2000), International Mobile Telecommunication- 2000) and all wireless terminals.

In addition, as described above, the unique recommendation code reveals that the recommendation client information and information on the affiliated stores recommended by the recommendation client, the generated unique recommendation code is mounted on the recommended client can be operated offline In the generating step, it may include an encryption process.

According to the present invention, in the present embodiment, if the unique recommendation code includes a credit card number system, the unique recommendation code may be transmitted through wired / wireless communication network and short-range data communication, and the unique recommendation code may be a one-dimensional barcode or a two-dimensional barcode. In the case of electronic authentication image data including a 3D barcode and a color barcode, the payment terminal located in the affiliated store further includes a barcode reader capable of recognizing the electronic authentication image data.

In addition, the short range data communication more specifically means data communication using infrared data communication, RF (Radio Frequency) data communication, Bluetooth data communication, and wireless LAN.

In addition, the incentive payment according to the product recommendation specifies that the first client, the second client, ..., n-th client can be paid in stages.

FIG. 26 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, and provides unique recommendation code information to a recommended client.

The recommendation client accesses the recommendation code generation server (2600), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 2605, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (or a website associated with the server) (2610), the recommendation client needs to input his or her personal information in order to generate a unique recommendation code. In operation 2615, the recommendation code generation server may automatically search for member information to generate a recommendation code.

However, if the recommendation client is not a member (2620), the recommendation client enters his or her personal information to generate a unique recommendation code (2625).

When the recommendation client information is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information, and provides information on the generated unique recommendation code to the recommended client. The recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (2630).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (2635), and if it wants to use the generated unique recommendation code, the recommendation code generation server sends the recommended recommendation code to the recommendation client. Request a download (2640).

The recommendation code generation server may provide the generated unique recommendation code to a credit card (IC card or any card having a data storage function including a smart card) of the recommended client according to the request of the recommended client ( 2645).

FIG. 27 illustrates a process in which a recommendation client provides information of a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

The recommendation client accesses the recommendation code generation server (2700) to generate a unique recommendation code to be provided to the recommended client (2700), selects (or inputs) a merchant to recommend, and generates the unique recommendation code to the recommendation code generation server. Upon request (2705), the recommendation code generation server determines whether the recommendation client is a member, and if it is a member (2710), the recommendation code generation server automatically retrieves member information to extract information of the recommendation client, A unique recommendation code including the recommended affiliate information may be generated (2715).

However, if the recommendation client is not a member (2720), the recommendation client should input his or her personal information to generate a unique recommendation code (2725).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information. When the unique recommendation code is generated, the recommendation client generates the unique recommendation code information. In order to provide the recommended client, the recommendation code generation server provides the recommended client's information (including all of contact information such as an email, a phone number, a mobile phone number, and an address) to the recommended code generation server (2730).

The recommendation code generation server that obtains the recommended client information from the recommending client, provides the recommended client with unique recommendation code information including the recommended merchant information and the recommended client information according to the information (2735).

When the recommended client receives the unique recommendation code information including the recommendation client information and the product information from the recommendation code generation server, the recommended client connects to the recommendation code generation server (2740).

If the recommended client connected to the recommendation code generation server wants to use a unique recommendation code generated according to the request of the recommendation client, the recommended client may store a data storing function including its own credit card (IC card or smart card). All cards having a) request to download the unique recommendation code (2745).

The recommendation code generation server receiving the unique recommendation code download request of the recommended client may use the generated unique recommendation code as a credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. To provide (2750).

28 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. All.

The recommendation client connects to the recommendation code generation server (2800), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 2805, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (2810), the recommendation code generation server generates a unique recommendation code through member information search (2815). However, if the recommendation client is not a member (2820), the recommendation client must enter their personal information to generate a unique recommendation code (2825).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information, the recommendation client requests the provision of the generated unique recommendation code (2830). ).

The recommendation client provides the recommended client with the unique recommendation code obtained from the recommendation code generation server (2835). If the recommended client does not allow obtaining a unique recommendation code, the recommendation client receives a unique recommendation code not available message, and if the recommended client allows obtaining a unique recommendation code (2840), The unique recommendation code is placed on the recommended client's credit card (IC card, or any card having a data storage function including a smart card) (2845).

In the following embodiment, a unique recommendation code is generated through the process of FIGS. 26, 27, and 28, and a unique recommendation code including a recommendation client information and a recommendation merchant information includes a credit card (IC card, Or all cards having a data storage function including a smart card), and the recommended client authenticates the unique recommendation code in the process of using the credit card including the unique recommendation code in the recommendation merchant. Here is a simple example.

29 is composed of a recommendation code generation server and a payment terminal, and the recommended client uses a credit card (all cards having a data storage function including an IC card or a smart card) to purchase goods or use services at the recommended merchant. At the time, a simple example of the case of extracting the unique recommendation code through the payment terminal to provide to the recommendation code generation server.

The recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) an affiliate store to be recommended to the recommended client to provide recommended affiliate store information (a), and the recommendation code generation server provides the recommendation code. Merchant information is generated in association with the recommendation client information to generate a unique recommendation code, and the generated unique recommendation code is the credit card of the recommended client (IC card, or any card having a data storage function including a smart card). To be provided.

(B) when the recommended client uses the credit card to purchase goods or services at the affiliated store recommended by the recommended client, the payment terminal of the affiliated store stores the unique recommendation code stored in the recommended card of the recommended client. Extract it or receive it from the recommended client's credit card (c) and provide it to the recommendation code generation server (d).

The recommendation code generation server pays an appropriate incentive for the affiliated store recommendation of the recommending client based on the unique recommendation code provided from the payment terminal (2).

30 is a simple example of a case consisting of a recommendation code generation server, an authentication server and a payment terminal, and providing and storing a unique recommendation code generated through the recommendation code generation server to an authentication server located on a communication network. .

When the recommendation client connects to the recommendation code generation server and selects (or inputs) a merchant to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server associates the recommendation merchant information with the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is provided to the credit card of the recommended client (all cards having a data storage function including an IC card or a smart card) (a).

The recommendation code generation server provides the unique recommendation code information to the authentication server on the communication network (b), and the authentication server stores the unique recommendation code information in a database in the authentication server (c).

If the recommended client attempts to use a product purchase or a service at a merchant recommended by the recommending client with a credit card storing a unique recommendation code (d), the product selling payment terminal may store the unique stored in the credit card of the recommended client. Extract a recommendation code (or receive it from the recommended client's credit card) (e) and provide it to the authentication server (f).

When the unique recommendation code is provided to the authentication server, the authentication server compares the provided unique recommendation code with the unique recommendation code information previously stored in a database (g), and performs the authentication process (g), and the unique recommendation code to the recommendation code generation server. (H), the recommendation code generation server pays the appropriate incentive for the merchant recommendation of the recommendation client based on the unique recommendation code provided from the payment terminal (i).

According to the present invention, a unique code for a product to be recommended through a wired or wireless network is generated and provided in association with card information of another client (recommended client), and the relationship data between a plurality of recommended clients and the recommended client is identified. By enabling the multi-stage profit distribution using the card, it is possible to expect the effects of activation of the use of the card and new profit generation using the card through the recommendation of the product using the card.

Claims (2)

The first client (recommended client) processes a unique recommendation code for a product or affiliate recommended by the second client (recommended client) in association with card information of the second client (recommended client) and stores it in the payment terminal memory. step; When purchasing a product recommended by the first client using a card of a second client (recommended client) or using a merchant, the card information of the second client (recommended client) is previously stored in the memory by the payment terminal. Extracting a unique recommendation code associated with the card information and providing the same to the server on the communication network; And Checking the unique recommendation code transmitted from the payment terminal in the server and paying the first client an incentive according to the recommendation of the product. When the first client (recommended client) recommends a product or affiliated store to a second client (recommended client), the product or affiliated store information is connected to the first client (recommended client) information and the second client (recommended client) information. Storing the data in a storage medium; When the second client (recommended client) purchases a product or uses a merchant, the first client (recommended client) information is extracted based on the product or merchant information and second client (recommended client) information stored in the storage medium. Steps to do: And providing an incentive according to the recommendation of a product or an affiliated store to the first client based on the first client (recommended client) information.

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