KR20080033927A - Method for auto-discounting by using credit card - Google Patents

Abstract

A method for discounting a payment amount of a credit card automatically is provided to reduce economical burden for changing a present credit card payment system largely or constructing a new system, and reduce error caused from a present CAT(Card Authentication Terminal) by using a discount server applying discount based on discount details and forming a credit card approval message including discount details. Information for a credit card and a member shop providing discount, and discount condition is linked/stored to a storage medium(600). Credit card information and member shop information stored in a payment approval request message are checked and compared with the information stored in the storage medium(615). The discount condition information matched with the discount credit card information and the discount member shop information is checked when the credit card information and the member shop information are matched with the information stored in the storage medium. A payment amount included in the payment approval request message is changed into the payment amount applying the checked discount condition(650), and the modified payment approval request message is transmitted to a payment server(655).

Description

Method for Auto-Discounting by Using Credit Card}

1 is a schematic configuration diagram of a credit card automatic discount system including a client card, a discount terminal (merchant terminal), a value added network (VAN), a credit card company server, and a discount server according to the present invention.

2 is a schematic configuration diagram of an affiliated store discount terminal interworking with a discount server according to the present invention.

Figure 3 is an automatic system according to the card use of the client through a credit card automatic discount system consisting of a client card, discount terminal (Merchant Terminal), Value Added Network (VAN) server, credit card company server, and discount server according to the present invention A simple flow chart of the process in which a discount is offered.

Figure 4 shows the automatic use of the client's card through a credit card automatic discount system consisting of a client card, discount terminal (Merchant Terminal), Value Added Network (VAN) server, credit card company server, and discount server according to the present invention In the process of providing a discount, it is a simple flow chart of the process of updating the discount application transaction recorded in the discount server when the authorization failure for the authorization request from the credit card company server.

5 is an automatic discount according to the card use of a client through a credit card automatic discount system including a client card, a discount terminal (merchant terminal), a value added network (VAN), a credit card company server, and a discount server according to the present invention. After being provided, in accordance with the cancellation request for the discount transaction, a simple flow chart of the process of canceling the discount transaction.

Figure 6 provides an automatic discount according to the card use of the client through a credit card automatic discount system consisting of a client card, a terminal (merchant terminal), a value added network (VAN), a credit card company server, and a discount server according to the present invention. It is a simple embodiment of the process.

<Description of main parts of drawing>

100: client card 105: merchant terminal

110: discount server 115: discount processing module

120: Discount History Database 125: Discount Information Database

130: VAN company server 135: credit card company (server)

The present invention comprises the steps of storing the target card type information, the discount target merchant information and the discount condition information to the storage medium, and confirms the card information and payment merchant information contained in the full payment approval request, and writes to the storage medium. Confirming whether the discounted card type information and the discounted merchant information correspond to the stored discounted card type information; and the card information and the payment merchant information included in the payment approval request text is pre-stored in the storage medium. Checking the discount card information and the discount condition information associated with the discount target merchant information if the corresponding merchant information corresponds to the target merchant information; and based on the confirmed discount condition information, a payment amount included in the full payment approval request message; To a discounted payment amount with the discounted condition, and the payment amount The present invention relates to a credit card automatic discount method comprising the step of transmitting a payment approval request text that has been changed to a payment amount to which a discount condition is applied to a payment server.

In general, a credit card merchant acquires card information from a card holder's card, transmits the card information to a card issuer through a network such as a VAN, and the credit card company approves it, providing the authorization to the merchant. Is made of.

* These credit cards have become a very popular payment method in recent years, because there is no inconvenience that cash and check holders must keep checks and cash, etc., or calculate them at the time of payment.

As the number of credit card users increases, credit card companies provide a variety of services, leading the competition with other credit card companies, and trying to attract more members.

As an example of a service for the card user, card companies may receive a certain discount when using a card at a predetermined affiliate store or using a specific card product, when a certain ratio of a payment amount or a payment amount is more than a predetermined amount. It provides a service.

For example, in the case of the discount service, a cashier checks the card type of the client at the registered merchant to determine whether to apply the predetermined discount and the degree of discount, calculate the discount amount applied to the credit card terminal, and input it to the credit card terminal. Alternatively, obtain a credit card approval request message from the credit card company's card approval server, analyze the card number and merchant number in the contents, determine whether to apply the discount service and the degree of the discount, and send the approval response message at the discounted amount. For example, the approval response is sent according to the amount of the request for approval, and the batch settlement process is performed.

However, the method of providing a discount service due to the cashier's work at the registered merchant is cumbersome for the cashier (or the merchant), and there is a possibility of error due to manual processing that is not automated. There is a problem.

In addition, through the credit card company, the batch settlement processing method may delay the processing of the credit card authorization request message due to the load on the card company server when the credit card authorization request message is congested. In accordance with the change of conditions, there is a cumbersome and risky burden that requires frequent changes of the program of the card approval server, and there is a problem that there may be a burden of increasing the marketing expense account in the credit card company's accounting process in the course of the subsequent settlement.

An object of the present invention for resolving the above problems, the step of storing the information on the discount card type, the information of the affiliated merchant and the discount condition information in the storage medium, the card information and payment included in the full payment approval request Confirming the merchant information and confirming whether the discount target card type information and the discount target merchant information previously stored in the storage medium correspond to the card information and the payment merchant information included in the payment approval request message; If the corresponding card type information and the discounted merchant information previously stored in the medium correspond to the discounted card type information and the discounted condition information associated with the discounted merchant information, and based on the identified discount condition information, , The discount amount applied to the payment amount included in the above payment approval request And the step of changing the amount and the payment are credit card, auto-off method comprises the step of sending a payment authorization request specialized changed payment discount terms apply to the payment server to provide.

The automatic card discount method according to the present invention, by connecting the discount card type information, discount target merchant information and discount condition information to the storage medium, and check the card information and payment merchant information included in the payment approval request text Checking whether the card type information and the discount target merchant information pre-stored in the storage medium correspond to the information on the discount target card type; If the corresponding card type information and the discounted merchant information correspond to the discounted card type information and discount condition information associated with the discounted merchant information, and based on the confirmed discount condition information, the payment approval You can change the payment amount included in the full request to a discounted price with a discounted condition. Step and a step in which the payment is sent a payment request approved specialized changed payment discount terms apply to the payment server.

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.

1 is a schematic diagram of a credit card automatic discount system consisting of a client card 100, a terminal 105, a value added network (VAN), a credit card company server 135, and a discount server 110 according to the present invention. It is a block diagram.

Discount server 110 according to the present invention is located in association with the VAN, more preferably located in conjunction with the inside or outside of the VAN company server 130.

According to the present invention, the discount server 110 receives the full credit card automatic discount approval request transmitted from the terminal 105 through the VAN (VAN company) and refers to the corresponding credit card with reference to the pre-stored discount history information. The credit card authorization request is applied to the credit card company server 135. The credit card approval request is applied to the credit card company server 135. To this end, the discount server 110 includes a discount processing module 115, a discount information database 125, and a discount history database 120.

The discount processing module 115 in the discount server 110 checks the card information (card number, etc.) and the merchant number, etc. included in the full credit card automatic discount authorization request transmitted from the terminal 105 through the VAN, and discounts. By extracting the pre-stored discount information (card type (BIN; Banking Identification Number), merchant ID, discount conditions (discount rate, discount amount, the maximum number of times per card, etc.)) in conjunction with the information database 125, The discount amount or discount rate applicable to the credit card transaction requested from the terminal 105 is determined by comparing the card information (card number, etc.) and the merchant number included in the credit card automatic discount approval request.

In addition, the discount processing module 115 applies the determined (or appropriate) discount amount or discount rate for the credit card transaction to reconstruct the authorization request for the discounted transaction amount to the credit card company server 135 through the VAN. The credit card company server 135, when the authorization failure for the authorization request, receives an authorization response message containing the authorization failure details to update the discount processing that was previously applied to the transaction. It includes more.

The discount information database 125 may include a banking identification number (BIN), a merchant ID, a discount rate applicable to the card, a discount rate applicable to the card, and a maximum discount for the card. It is a database that records various discount conditions including the number of application.

In addition, the discount condition refers to a policy established on the basis of agreements and event periods concluded by credit card companies and merchants.

The discount history database 120 compares the card number and the merchant number of the approval request text received from the merchant terminal 105 with the contents registered in the DB to determine whether to apply the discount service and the degree of the discount, and to approve the discounted amount. In reconstructing the request message and transmitting it to the VAN, the database records the discount application transaction for each card.

As an example of the operation of the discount server 110 according to the present invention, the client card transmitted from the terminal 105 to the VAN company server 130 when the payment amount according to the client's product purchase or service use is 100,000 won The full request for authorization of automatic credit card discount for payment includes information on the amount of payment of 100,000 won. When the VAN company server 130 includes a code indicating that the authorization request message sent from the terminal 105 is a credit card automatic discount approval request message, the credit card automatic discount approval request text is provided in the present invention. Deliver to the discount server 110 according to.

At this time, the discount server 110 checks the client card information (for example, the 16-digit card number, etc.) or the merchant information (such as the merchant number) included in the full credit card automatic discount authorization request request, the discount can be applied It is determined that the card or a transaction, and extracts discount information associated with the card information or merchant information from a database, and applies the extracted discount information to the transaction.

At this time, if the extracted discount information is, for example, 10% of the payment target amount, the discount server 110 calculates the payment target amount to which the discount information is applied. [100,000-(100,000 × 0.1) = 90,000 won]

The discount server 110 reconfigures the credit card payment approval request text to include the calculated payment target amount (90,000 won), and transmits the reconstituted credit card payment approval request text to the credit card company server 135 through the VAN. do.

The merchant terminal 105 shown in the figure transmits a credit card automatic discount authorization request message to the discount server 110 so that the automatic discount for the card transaction can be applied when the client pays the card. And a function of providing the acknowledgment details to the client according to the contents of the received acknowledgment message.

In addition, it is noted that the terminal 105 includes a credit card payment terminal 105 installed with a built-in program for transmitting a full credit card automatic discount approval request for smooth implementation of the present invention.

In addition, the merchant terminal 105 refers to a merchant payment terminal 105 that interoperates with a credit authentication terminal (CAT) and a point of sales (POS) system, and the card of the client (such as an MS type card and a chip type card). It has a card interface for interworking with.

The card interface is interlocked with the corresponding card for MS type card payment, Chip type card payment and short-range communication payment, and in the level of a person skilled in the art for the present invention, it is preferable that the card is properly configured.

In addition, the near field communication payment may include infrared ray communication, and / or radio frequency (RF) communication, and / or Bluetooth, and / or wireless LAN, and / or Wi-Fi. Of course it includes at least one or more.

Client card 100 is a contact type that is equipped with an MS (Magnetic Strip) card, and / or IC chip that provides at least one or more credit card information (including the 16-digit card number) to the merchant terminal 105 Contact cards, and / or contactless cards, and / or hybrid cards, and / or combination cards, and / or IC chips (or IC cards) mounted / removed in the wireless terminal. It includes everything.

According to this figure, in the credit card transaction, by implementing the discount server 110 associated with the VAN, it is possible to apply the automatic discount for the transaction according to the card use of the client, without changing the existing credit card payment system do.

2 is a schematic configuration diagram of a terminal 105 of an affiliated store that cooperates with a discount server 110 according to the present invention.

According to this figure, the merchant terminal 105 is connected with at least one VAN (VAN company server 130), and provides a payment transaction with a credit card inquiry network and a credit card payment network of a basic payment terminal 105. In addition to the main function, in addition to the implementation of the credit card automatic discount approval request message transmitted to the discount server 110 through the VAN for the implementation of the present invention and to be equipped with the transmission function of the generated message.

More specifically, the terminal 105 is the control module 200 and the card interface 205, the output module 210, for the payment transaction with the client card 100 and the VAN (including credit card company server 135), Input module 220, memory module 225, communication module 230 and the like, according to the present invention generates a credit card automatic discount approval request message sent to the discount server 110 for applying the discount The automatic discount professional generation module 215 is further provided.

The control module 200 functions to control and manage the overall operation of the terminal 105. For example, the control module 200 checks each key data transmitted from an input device such as a keyboard or a keypad to the input module 220 in cooperation with the input module 220, and outputs the appropriate output value through the output module 210. Convert it to output.

In addition, according to the present invention, when at least one or more card information is transmitted from the client card 100 through the card interface 205, the control module 200 confirms the transmitted client card information and generates the automatic discount message. In conjunction with the module 215, through the automatic discount message generation module 215 to generate a credit card automatic discount approval request message to be sent to the VAN company server 130 or discount server 110, the generated credit Card automatic discount approval request for the full text through the communication module 230 to the VAN company server 130 or the discount server 110 connected to the VAN.

The card interface 205 of the merchant terminal 105 extracts card information necessary for a payment transaction from a magnetic stripe (MS) area or a storage area of a chip of the client card 100 based on a credit card payment protocol or a standard. Do it.

In addition, the card interface 205 may include infrared ray communication, and / or radio frequency (RF) communication, and / or Bluetooth when the card 100 of the client is a wireless terminal interworking with a chip. Card information necessary for a payment transaction is acquired from the client card 100 through short-range data communication means such as a tooth, a wireless LAN, and / or a Wi-Fi.

Although not illustrated in detail in this drawing, the output module 210 functions to output appropriate output data according to an output device (for example, a printer or a screen (monitor)), for example, an output function using a printer or the like. In this case, according to the payment processing process and the completion of the payment processing, the result corresponding to the details of the approval response transmitted through the VAN may be output as a receipt and provided to the corresponding client.

In addition, in the case of an output function using a screen, output data (a payment target product list, a price, a payment target amount, a discount amount, etc.) according to a payment processing process and a payment processing completion may be output and provided on the screen.

The automatic discount message generation module 215 checks the card information of the client transmitted through the card interface 205 according to the present invention, and indicates that the card 100 of the client is an automatic discount message according to the present invention. A generic term for hardware and software that includes a discount code in a full credit card authorization request to create an automatic discount authorization request.

For example, according to the present invention, to differentiate from the general card payment approval request system (for example, card terminal VAN card company), and transmits the automatic discount authorization request message for credit card payment to the discount server 110 through the VAN Function (according to the present invention, a card terminal VAN discount server card company).

At this time, the VAN company server 130 checks the approval request message transmitted from the terminal 105, and determines whether the approval request is a credit card automatic discount approval request text, credit card automatic according to the present invention If it is determined that the discount approval request professional, it is of course to provide to the discount server 110.

The input module 220 includes a plurality of number keys, character keys, function keys, and the like, and an input device (eg, a keyboard or a keypad, etc.) associated with the terminal 105. When a corresponding key is pressed by a terminal operator (eg, a cashier) or a card holder, the corresponding key data is generated and transmitted to the control module 200.

The memory module 225 is hardware-mounted to the merchant terminal 105 in the form of EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory), and at least one or more for operation control of the terminal 105. This module records program codes and various data generated in the process of performing or completing the payment transaction.

In addition, the memory module 225 according to the present invention, when the terminal 105 is configured through the POS system or includes a POS system, the card 100 of the client delivered through the card interface 205 is discounted It is noted that it may be possible to store certain card information to confirm that the card is applicable.

The communication module 230 includes at least one modem or network interface card (NIC) for connecting the terminal 105 to a network such as a VAN, and according to the present invention, a discount server located in the VAN ( On the basis of the communication protocol determined by 110 to be connected to the discount server 110 and the like.

In addition, according to the present invention, the communication module 230 functions to provide the discount server 110 with the automatic discount approval request text for the discount transaction at the time of the payment transaction of the client's card 100 that can be applied to the discount.

Therefore, the affiliated store terminal 105 is provided with each of the functional modules shown in the figure, interworking with the VAN server and the discount server 110, and helps the automatic discount using a credit card to implement the present invention.

3 is a client through a credit card automatic discount system consisting of a client card 100, a merchant terminal 105, a value added network (VAN), a credit card company server 135, and a discount server 110 according to the present invention. Is a simple flow chart for the process of providing automatic discounts based on the use of the card.

In this figure, when the full credit card automatic discount approval request generated in the merchant terminal 105 is transmitted to the VAN company server 130, the VAN company server 130 confirms that the full text of the approval request is the automatic discount approval request message. And, it is an embodiment to provide the full credit card automatic discount approval request request to the discount server 110 associated with the VAN or VAN company server 130.

According to the present invention, the discount server 110 associated with the VAN receives the credit card automatic discount approval request message transmitted through the VAN company server 130 from the merchant terminal 105, and included in the approval request message After checking the card information or the corresponding merchant information, the discount detail information for the automatic discount for this transaction is extracted, and after the discount is applied, the credit card company server 135 reconfigures the approval request applied with the discount.

The discount history information previously stored in the discount server 110 includes a card type (BIN; Banking Identification Number) of the client, a merchant ID, a discount rate applicable to the card, a discount amount, and a maximum discount count for each card. Means a variety of discount conditions, including, and is stored in association with the card information or merchant information (300).

According to this figure, when a client issues a card payment request using his / her own card to purchase a product or use a service (305), the card interface 205 of the merchant terminal 105 performs a payment transaction from the client card 100. Card information required for extraction is extracted (310).

In addition, when card information necessary for a payment transaction is extracted from the client card 100, the automatic discount message generation module 215 in the terminal 105 automatically generates a credit card including the extracted card information and / or corresponding merchant information. Provide the discount approval request full text to the VAN company server 130 (315).

The credit card automatic discount approval request message transmitted from the terminal 105 is received by the VAN company server 130, and the VAN company server 130 determines whether the received approval request message is the automatic discount approval request message. (320).

If it is determined that the credit card automatic discount approval request request message according to the present invention is not (for example, not a full text including an automatic discount approval request message code) 325, the VAN company server 130 is received. Authorization request is provided to the credit card company server 135 (330). (General credit card approval process)

In this case, the authorization request message including the card information means that the credit card company server 135 is provided according to a general card approval process. When the authorization for the corresponding card is completed from the credit card company server 135, the The merchant terminal 105 receives an authorization response message from the credit card company server 135 through the VAN (335), and provides the details of the received authorization response message to the corresponding client (340).

On the other hand, if it is determined that the authorization request message received from the merchant terminal 105 is a credit card automatic discount approval request message according to the present invention (345), the VAN company server 130 receives the received credit card automatically. Providing a discount approval request message is provided to the discount server 110.

The discount processing module 115 in the discount server 110 receives the credit card automatic discount approval request message from the VAN server (350), checks client card information and / or merchant information included in the approval request message, and the like. In operation 355, discount information stored in advance in association with the card information and / or affiliate information is extracted from the discount history information database 125, and whether to apply the discount and discount information is determined by referring to the extracted discount history information. do.

In addition, the discount processing module 115 applies a discount to the credit card transaction based on the determined discount application status and discount information, and records the discount application transaction history to which the discount is applied in the discount history database 120. (360).

The discount processing module 115 reconfigures the approval request text (including the discount target price applied) to the credit card company server 135 through the VAN (365), and the credit card company server ( 135 receives the approval request text applied with the discount, and performs the approval for the corresponding card (370).

If the authorization of the client card 100 from the credit card company server 135 is unsuccessful (375), the credit card company server 135 constitutes a response message including the authorization failure details (A). (Detailed in more detail in the flow chart of Figure 4 below)

On the other hand, if the approval for the client card 100 from the credit card company server 135 is successful (380), the credit card company server 135 configures the authorization response message, through the VAN to the merchant terminal 105 In operation 385, the affiliated store terminal 105 may provide the received approval response message to the corresponding client (390).

Providing the received approval response message details to the corresponding client, it is preferable to provide a discount details in the sales approval slip, but not limited to this, it specifies that a variety of methods are possible at the level of those skilled in the art.

4 shows a client through a credit card automatic discount system consisting of a client card 100, a merchant terminal 105, a value added network (VAN), a credit card company server 135, and a discount server 110 according to the present invention. In the process of providing an automatic discount according to the credit card transaction of the credit card company, when the authorization failure for the authorization request from the credit card company server 135, the discount applied transaction history recorded in the discount server 110 is updated It is a flow chart.

In FIG. 3, in the payment transaction using the client card 100, the discount server 110 receiving the full credit card automatic discount approval request message including the card information and / or merchant information of the client may be used. When the discount is applied to the credit card company server 135 to provide the approval request text applied with the discount, the credit card company server 135 receives the approval request text applied with the discount from the discount server 110 to the corresponding card. In the process of performing the authorization for the card, a simple flow chart of the case where the authorization failure for the card occurs.

If the credit card company server 135, which has received the approval request message with the discount applied from the discount server 110, fails in the process of approving the corresponding card (400), the credit card company server 135 fails to approve. The authorization response message including the details is provided to the affiliated store terminal 105 and the discount server 110 (405).

The discount server 110 receives an authorization response message containing the authorization failure details from the credit card company server 135, recognizes the failure of the card approval, and updates the discount application history recorded in the discount history database 120. 410.

In addition, the affiliated store terminal 105 receives the approval response message including the approval failure details, and provides the approval response message details to the client (415).

5 is a client card 100, a merchant terminal 105, a VAN (Value Added Network), credit card company server 135, and a credit card automatic discount system consisting of a discount server 110 according to the present invention After the automatic discount according to the use of the card is provided, according to the cancellation request for the discount transaction, a simple flow chart of the process of canceling the discount transaction.

The cancellation request process for the discount transaction shown in this drawing may be performed according to the same process as the credit card automatic discount transaction approval request process shown in FIG. 3, and in this drawing, the cancellation request process for the discount transaction is more specifically described. To describe.

According to the present invention, after the discount application transaction is completed through the discount server 110 associated with the VAN at the time of card payment of the client (500), if a cancellation request for the discount transaction occurs from the client (505), the merchant terminal 105 Card interface 205 extracts card information from the client card 100 (can be omitted if the client card 100 information remains in the affiliated store terminal 105), and the transaction cancellation request message for the transaction cancellation. It generates and transmits to the VAN company server 130 (510).

The VAN company server 130 receives the transaction cancellation request message from the terminal 105, checks whether the transaction includes a transaction to which the credit card automatic discount according to the present invention is applied, and applies the credit card automatic discount according to the present invention. If it includes a transaction, the received transaction cancellation request message is sent to the discount server 110 (515).

The discount server 110 checks the transaction cancellation request text received from the VAN company server 130, cancels the discount applied according to the corresponding transaction, and records the transaction cancellation history in the discount history database 120 (520). ).

In addition, the discount server 110 provides the transaction cancellation request full text including the discount transaction cancellation history to the credit card company server 135 through the VAN (525), the credit card company server 135 is the discount server 110 A transaction cancellation request message is received from the transaction, and a transaction cancellation processing using the corresponding card is performed (530).

If the transaction cancellation from the credit card company server 135 fails (535), the credit card company server 135 provides the terminal 105 and the discount server 110 with a transaction cancellation response message including a transaction cancellation failure history. 540, the discount server 110 receives the failure response message for the transaction cancellation request, confirms the failure of the transaction cancellation, and updates the discount transaction cancellation history recorded in the discount history database 120 ( 545).

In addition, the merchant terminal 105 receives a transaction cancellation response message including a transaction cancellation failure history, and provides a transaction cancellation failure history to the corresponding client (550).

On the other hand, if the transaction cancellation is completed from the credit card company server 135 (555), the credit card company server 135 generates a response to the transaction cancellation and transmits to the merchant terminal 105 through the VAN (560) The merchant terminal 105 provides the received transaction cancellation response message details to the corresponding client (565).

6 is a client card 100, a merchant terminal 105, a VAN (Value Added Network), credit card company server 135, and a credit card automatic discount system consisting of a discount server 110 according to the present invention Figure is a simple embodiment for the process of providing an automatic discount according to the use of the card.

In the drawing, when the merchant terminal 105 determines whether the client's card is a discount target card and determines whether the card is a discount target card, the merchant terminal 105 generates a full credit card automatic discount approval request request according to the present invention and generates a VAN (or By providing the discount server 110 through the VAN company server 130, it is a simple embodiment for the automatic discount is provided from the discount server (110).

According to the present invention, the process of FIG. 3 confirms that the VAN company server 130 requests the automatic discount approval request, and provides the confirmed full text to the discount server 110 so that the discount is made, while the terminal ( In step 105) (for example, a POS system), the card information of the client is checked to determine whether the corresponding card is a discountable card, and if the discount is a valid card, a VAN is generated by generating an automatic discount approval request message. Through the discount server 110 to provide a discount to be made.

Therefore, in order to implement the present embodiment, the control module of the affiliated store terminal 105 described in FIG. 2 transmits at least one or more card information from the client card 100 through a card interface, and confirms the transmitted client card information. To determine the applicability of the discount to the card.

In addition, according to the present invention, the memory module of the affiliated store terminal 105 reveals that it is possible to store predetermined card information for confirming whether the card of the client transmitted through the card interface is a card to which the discount is applicable.

Embodiments according to the drawings are implemented through the following process.

Determining whether the corresponding card is a discount target card by the terminal 105 recognizing the client card 100, generating a full credit card authorization request message to be transmitted to the discount server 110, and transmitting the complete message to the discount server 110; And applying the discount to the credit card transaction by referring to the discount history information previously stored in the discount server 110 that has received the credit card authorization request message transmitted from the terminal 105. Reconstructing the applied credit card authorization request message to be transmitted to the credit card company server 135, and generating a response message to the authorization request from the credit card company server 135 that has received the discounted credit card authorization request message. Transmitting to the terminal 105 through the VAN, and the terminal 105 receiving the full credit card approval request response message from the credit card company server 135; Providing credit card authorization response details to the client.

In addition, the discount server 110 receives the full credit card automatic discount approval request message transmitted from the terminal 105 through the VAN company server 130, and the discount information stored in the discount server 110 for the credit card transaction. The applying of the discount may further include storing the discount applied transaction details in association with at least one corresponding credit card information (including 16-digit card number).

The credit card company server 135 having received the credit card approval request message with the discount applied thereto may generate a response message for the approval request and transmit it to the terminal 105 through the VAN. If the full response to the approval request generated at 135 includes an approval failure message, transmitting the approval response message including the approval failure message to the discount server 110 and 110 and the discount server ( The method may further include updating the pre-stored discount transaction history at 110.

The discount history information previously stored in the discount server 110 includes a card type (BIN; Banking Identification Number) of the client, a merchant ID, a discount rate applicable to the card, a discount amount, and a maximum discount count for each card. Means a variety of discount conditions, including, and is stored in association with the card information or merchant information (600).

According to this figure, when a client executes a card payment request using his own card for product purchase or service use (605), the card interface of the merchant terminal 105 is a card required for a payment transaction from the client card 100. Information is extracted (610).

In addition, when the card information necessary for the payment transaction is extracted from the client card 100, the automatic discount message generation module in the terminal 105 determines whether the discount can be applied according to the extracted card information and / or corresponding merchant information (615). ).

If it is determined that the discount can be applied (620), the automatic discount message generation module generates the credit card automatic discount approval request message including the extracted card information and / or corresponding merchant information and viewed through the VAN. Provided to the discount server 110 according to the invention (625).

On the other hand, if it is determined that the discount is not applicable (630) (e.g., not the full text including the automatic discount approval request message code), the terminal 105 requests the approval to the credit card company server 135 through the VAN. Send the full message (635) (general credit card authorization process)

In addition, the terminal 105 receives the approval response message from the credit card company server 135 through the VAN (640), and provides the received approval response message details to the client (645).

When it is determined that the discount can be applied and the credit card automatic discount approval request message generated including the card information and / or corresponding merchant information is provided to the discount server 110 according to the present invention through the VAN, the discount server 110 ) Applies the discount to the credit card transaction with reference to the previously stored discount history information and records the discount application history in the database (650).

In addition, the discount server 110 reconstructs the approval request text that has been applied to the discount and transmits it to the credit card company server 135 through the VAN (655), and the credit card company server 135 reconstructs the approved request text message. Received, and performs the approval for the card (660).

If the authorization for the client card 100 from the credit card company server 135 is unsuccessful (665), the credit card company server 135 constitutes a response message including the authorization failure details (A). This is specifically described in the flowchart of FIG. 4.

On the other hand, if the approval for the client card 100 from the credit card company server 135 is successful (670), the credit card company server 135 configures the authorization response message, through the VAN to the merchant terminal 105 The transmission (675), the merchant terminal 105 to provide the received approval response message details to the client (680).

According to the present invention, on the credit card payment transaction network consisting of a client card, a merchant terminal, a value added network (VAN) and a credit card company, a full credit card authorization request for automatic discount of credit card transaction details is generated and the VAN company server ( 130) or a terminal for transmitting to the discount server, and associated with the VAN (or in the VAN company server 130) and receives the full authorization request for automatic credit card discount discount sent from the VAN company server 130 or the terminal, The discount is applied to the credit card transaction by applying the discount to the credit card transaction by referring to the discount information stored in advance, and reconfiguring the authorization request message including the discount history to the credit card company server 135 through the VAN. In order to generate a credit card automatic discount authorization request message to be transmitted from the terminal recognizing the client card to the discount server, The discount server which transmits to the VAN company server, confirms the full credit card approval request message from the VAN company server, transmits it to the discount server, and receives the full credit card automatic discount approval request message sent from the VAN company server. The discount is applied to the credit card transaction with reference to the stored discount history information, the credit card authorization request message is reconstructed to be transmitted to the credit card company server 135, and the credit card is applied. The terminal receiving the authorization request message from the credit card company server 135 generates a response message for the authorization request and transmits it to the terminal through the VAN, and receives the credit card approval request response message from the credit card company server 135. By providing a credit card authorization response to the client,

Reduces the cost burden of major changes or new system construction for existing credit card payment systems, and solves a number of errors that occurred when manual handling was performed by terminal operation personnel in CAT terminals for discount services. There is an advantage.

In addition, when a discount service is directly performed by a credit card company, there is an advantage in that a load required for the credit card company server 135 is increased and a problem about a change of a program for the discount service can be solved.

Claims (1)

Connecting the discount target card type information, the discount target merchant information, and the discount condition information to a storage medium; Checking the card information and payment merchant information included in the full payment approval request, and confirming whether the information corresponds to the discount target card type information and the discount target merchant information previously stored in the storage medium; As a result of the checking, when the card information and payment merchant information included in the payment approval request text correspond to the discount target card type information and the discount target merchant information previously stored in the storage medium, the discount target card type information and the discount target merchant information; Confirming the connected discount condition information; Based on the confirmed discount condition information, changing the payment amount included in the full payment approval request to a discounted payment amount to which the discount condition is applied; And transmitting the full payment approval request message that has been changed to a payment amount to which a discount condition is applied to a payment server.

Images