KR20080104214A

KR20080104214A - System and method for operating advertisement data and program recording medium

Info

Publication number: KR20080104214A
Application number: KR1020070020007A
Authority: KR
Inventors: 박헌서
Original assignee: 한국정보통신서비스 주식회사
Priority date: 2007-02-28
Filing date: 2007-02-28
Publication date: 2008-12-02

Abstract

The present invention relates to a method and system for operating advertisement data and a program recording medium therefor, wherein the method for operating advertisement data according to the present invention includes advertisement data (or code) corresponding to customer information in a predetermined customer information management server. And storing the data in a predetermined storage medium in association with the card information, and when the predetermined payment approval request message is received from the VAN company server at the card company server, the customer card information included in the received payment approval request message is stored in the customer information. Transmitting to the management server, and in association with the card information matched with the customer card information transmitted from the card company server in connection with the storage medium in the customer information management server to check the pre-stored advertising data (or code), Transmitting the confirmed advertisement data (or code) to the card company server and the card company server Standing the customer information ad data (or code) and payment authorization response message corresponding to the payment authorization request sent from the professional management server transmitting a VAN company server.

Description

System and Method for Operating Advertisement Data and Program Recording Medium

1 is a diagram showing a system configuration for registering predetermined advertisement application information provided from a card holder customer according to another embodiment of the present invention.

2 is a diagram illustrating a process of registering advertisement application information according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of an advertisement data management system for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to an exemplary embodiment of the present invention.

4 is a diagram illustrating an advertisement data operation process for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to an exemplary embodiment of the present invention.

FIG. 5 is a diagram illustrating a function of a card terminal for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to an exemplary embodiment of the present invention.

6 is a diagram illustrating an advertisement data operation process for providing a sales slip including predetermined advertisement (or incentive) information through a card terminal shown in FIG. 5 when paying a customer card according to another exemplary embodiment of the present invention. to be.

FIG. 7 is a diagram illustrating a configuration of an advertisement data management system for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to another exemplary embodiment of the present invention.

9 is a diagram illustrating an advertisement data operation process for providing a sales slip including predetermined advertisement (or incentive) information through a card terminal shown in FIG. 5 when paying a customer card according to another exemplary embodiment of the present invention. Drawing.

FIG. 10 is a diagram illustrating a configuration of an advertisement data management system for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a configuration of an advertisement data operating system according to an embodiment of the present invention.

300: card company server 305: receiving unit

310: reader 315: storage

320: transmitter 325: analyzer

330: extraction unit 335: confirmation unit

340: reading unit 345: storage medium

350: server 355: professional receiving unit

360: professional transmission unit 365: information confirmation unit

370: professional processing unit 375: information receiving unit

According to the present invention, a storage medium for classifying and storing advertisement data (or code) for each card company, and when a predetermined payment approval request message is received, reads customer card information included in the received payment approval request message, and reads the card. Advertising data including a server for extracting the advertising data (or code) for each card company corresponding to the information, and the payment approval response message corresponding to the payment approval request message and the extracted advertisement data (or code) to the merchant terminal It relates to an operating system.

With the expansion of the electronic payment infrastructure, electronic payment services in the form of postpaid / debit payments have become common based on at least one or more electronic payment means such as credit card and / or check card and / or debit card. A value added van providing a payment network for payment transactions between a card terminal and a card company (or financial company) that issued at least one customer card of credit card and / or check card and / or debit card to the visited customer. It is built by Network (VAN).

In such a card-based payment infrastructure, a card sales slip is created to be owned by a consumer, a credit card company or a bank, and a merchant by one trillion sheets. In the past, a document number on the card sales slip is generated. Only items related to payment, such as purchaser serial number, card type, member number, expiration date, transaction date and time, merchant number, amount, terminal number, sales slip buyer, merchant name, address, business registration number and transaction unique number were printed. .

Recently, as card sales slips have been recognized as new information transmission media, card sales slips including various information (eg, events, promotions, coupons, lotteries, etc.) have begun to appear.

However, since the information included in the card sales slip was not diverse and one-sided (eg, not customer-oriented) was mainstream, it is time to find new ways to provide more advanced information to customers.

An object of the present invention for solving the problem, the storage medium for storing the data corresponding to the specific card usage frequency at a particular merchant, information checking means for confirming the specific card usage frequency at the merchant and the storage medium and In association with the advertisement data management system, the data processing means for providing data corresponding to the specific card usage count to the affiliated store terminal when the identified specific card usage frequency matches the specific card usage frequency stored in the storage medium. In providing.

The advertisement data operating method according to the present invention comprises the steps of: processing the advertisement data (or code) corresponding to the customer information in a predetermined customer information management server in association with the customer card information to store in a predetermined storage medium, at the card company server When a predetermined payment approval request message is received from the VAN company server, transmitting the customer card information included in the received payment approval request message to the customer information management server, and the customer information management server is linked to the storage medium. Confirming previously stored advertisement data (or code) by linking with card information matching the customer card information transmitted from the card company server, and transmitting the checked advertisement data (or code) to the card company server; and Advertisement data (or code) transmitted from the customer information management server from the card company server and the payment approval request message And transmitting the corresponding payment approval response message to the VAN company server.

According to the present invention, the advertisement data operating method, after receiving the payment approval response message and advertisement data from the card company server in the VAN company server, and transmits the received payment approval response message and advertisement data to the merchant terminal. And the step of outputting the advertisement data by including the advertisement data on the sales slip.

According to the present invention, the advertisement data operating method, after receiving the payment approval response message and the advertisement code from the card company server in the VAN company server, and extracts the advertisement data corresponding to the received advertisement code from a predetermined database ( Or confirming), transmitting the received payment approval response message and the extracted (or confirmed) advertisement data to an affiliated store terminal, and including the advertisement data on the sales slip at the affiliated store terminal and outputting the advertisement data. It is characterized in that it further comprises.

According to the present invention, the advertisement data management method, after receiving the payment approval response message and advertisement code from the card company server in the VAN company server, and transmits the received payment approval response message and advertisement code to the affiliated store terminal. And extracting, from the predetermined memory, advertisement data corresponding to the received advertisement code in the affiliated store terminal and outputting the extracted advertisement data on the sales slip in the affiliated store terminal. It is characterized by.

According to the present invention, the advertisement data management method further comprises the step of synchronizing the database or the memory with a storage medium storing the advertisement data (or code) corresponding to the customer information.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for realizing the above-described advertising data operating method.

On the other hand, the advertisement data management system according to the present invention, the storage medium for storing the advertisement data (or code) for each card company, and if a predetermined payment approval request message is received, the customer included in the received payment approval request message Read card information, extract advertisement data (or code) for each card company corresponding to the read card information, and the merchant approval terminal corresponding to the payment approval response message and the extracted advertisement data (or code) corresponding to the payment approval request message. Characterized in that it comprises a server to transmit to.

On the other hand, the advertisement data management system according to the present invention, a storage medium for storing the data corresponding to the specific number of times of use of the card at a particular merchant, information confirmation means for confirming the specific number of times of use of the card and the storage medium and In association with the specific card usage count stored in the storage medium, the data processing means for providing data corresponding to the specific card usage count to an affiliated store terminal. do.

According to the present invention, the data is characterized in that it comprises at least one or more coupon data, gift certificate data, exchange ticket data, lottery data, lottery data, sweepstakes data, advertising data.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

For example, the following embodiments will be described by showing that the respective functional means having the technical features as described above are provided on the VAN, or is provided in the merchant to facilitate the present invention.

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

1 is a diagram illustrating a system configuration for registering predetermined advertisement application information (or advertisement registration information) provided from a card holder customer according to another embodiment of the present invention.

More specifically, FIG. 1 illustrates an advertisement data operation system shown in FIG. 3 or FIG. 7 or FIG. 10 below in which a predetermined card customer carries out predetermined advertisement data requested by the customer. In order to provide to the customer through the predetermined advertisement application information is received from the customer, the provided advertisement application information is processed in association with at least one or more of the customer information or customer payment means information to the predetermined storage medium 130 As a system configuration for storing and registering, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 1 to link the advertisement application information with the customer information and customer payment means information. Various implementation methods for the system configuration of processing and storing and registering in a predetermined storage medium 130 may be inferred. And, the invention is said to include all the embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, the advertisement application information is provided from a card-holder customer through a predetermined information registration interface on the information registration system shown in FIG. 1, and the advertisement application information is linked with at least one of the customer information or customer payment means information. Components corresponding to at least one or more means and / or functional configurations required for processing to be stored and registered in the storage medium 130 are referred to as " information registration server 100 " for convenience.

In addition, the information registration server 100 shown in FIG. 1 may be a predetermined financial institution server (for example, a card company server, etc.), a VAN company server, or a predetermined server that provides customer propensity information on a network. I never do that.

In addition, the information registration server 100 can be provided in the advertisement data management system described below.

Referring to FIG. 1 according to an embodiment of the present invention, a predetermined advertisement application information is received from a card holder customer, and the advertisement application information is provided in association with at least one of the advertisement application customer information or customer payment means information. The information registration system for storing and registering in a predetermined storage medium 130 includes an information registration terminal 135 including at least one wired terminal and / or a wireless terminal used by the advertisement requesting customer. The information registration terminal 135 is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined network means.

Here, the advertisement application information may include at least one or more specific advertisement data selected or input by the customer, advertisement related field information to be provided, or advertisement receiving consent information to be provided with a predetermined advertisement. It features.

According to an exemplary embodiment of the present invention, the customer registers advertisement application information for receiving a predetermined advertisement requested by the customer during a payment process using a card possessed by the present invention, in a predetermined wired network. At least one provided by the information registration server 100 and connected to the information registration server 100 through an information registration terminal 135 including at least one of a wired terminal connected thereto or a wireless terminal connected to a predetermined wireless communication network. When the advertisement application information for advertisement application according to the present invention is input (or selected) through the above user interface, the information registration server (135) provided on the information registration system through a predetermined network means in the information registration terminal 135 ( 100).

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network and the like. have.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It may include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the information registration server 100 connected to the information registration terminal 135 may be an Internet banking server and / or a wireless banking server and / or a telebanking server according to the characteristics of the information registration terminal 135 and the network means. Or a TV banking server, and / or a separate web server for registering the information.

In addition, the network means for connecting the information registration terminal 135 and the information registration server 100 is based on the CDMA-based mobile communication network and / or IEEE 802.16x based on the type of wireless network connected to the information registration terminal 135 Any of the portable Internet and / or DataTAC / Mobitex-based wireless data communication network, and / or may include all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the information registration terminal 135 outputs at least one or more user interfaces provided by the information registration server 100, and inputs and / or selects at least one or more information through the user interface to provide the information registration server ( It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) for transmission to 100 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof will be omitted for convenience. .

In the information registration system as described above, at least one wired network connecting the information registration terminal 135 and the information registration server 100 including at least one wired terminal and / or wireless terminal used by the advertisement application customer. And / or the wireless network performs a function of an information registration interface for the customer to register advertisement application information according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 135 is an automatic teller machine (ATM) and a cash dispenser (Cash Dispenser; CD) connected to a predetermined financial network (for example, a financial common network). A predetermined call connected to a wired telephone network such as a financial automation device (not shown), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a terminal (not shown), and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or affiliated with the financial institution It may further include a terminal (and / or server) (not shown) provided in at least one or more institutions, the present invention is not limited thereto.

In the above information registration system, when the information registration terminal 135 is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server 100 The wired telephone network and / or the wireless telephone network for connecting the mobile telephone network performs a function of an information registration interface for the customer to register advertisement application information according to the present invention, and / or the information registration terminal 135 is connected to the financial institution. In the case of a terminal (and / or server) (not shown) provided in an affiliated institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server The network connecting 100 performs a function of an information registration interface for registering the advertisement application information according to the present invention.

The storage medium 130 provided on the information registration system according to the present invention includes customer personal information (eg, name, social security number, date of birth, contact information) included in the customer advertisement application information provided from the information registration terminal 135. Home), mobile phone, address, etc.), customer payment method information (e.g., card number, etc.), and advertisement data (e.g., interests to be provided by advertisements, customer interests, occupation, etc.) requested by the customer. Characterized in that, the customer personal information, customer payment means information and advertisement application information stored in the storage medium 130 to the customer through the card terminal when the payment processing using the payment means of the customer according to the present invention It is characterized by being provided.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected with the information registration terminal 135 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 includes a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is configured on the wireless banking system. It may be a predetermined wireless banking server provided, and / or a program provided in the wireless banking server, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 100 is the telebanking. It may be a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 135 is a wired terminal (or two-way digital TV) connectable with a TV banking server on a predetermined TV banking system, the information registration server 100 is It may be a predetermined TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 135 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 135 includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 includes the wired network. And / or connect a predetermined communication channel with the customer terminal based on a protocol stack defined in a wireless network, and transmit and receive at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal. It can provide a communication interface for.

For example, when the browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the information registration terminal 135, the interface unit 105 is the information registration terminal 135 based on the TCP / IP protocol. ) And a communication channel, and provide a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the information registration terminal 135 is provided with a communication program (eg, an Internet banking program) provided by the information registration server 100, the interface unit 105 is based on the TCP / IP protocol. It connects a communication channel with the information registration terminal 135 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a financial automation device connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 includes a wireless terminal connected to a predetermined wireless network, the interface unit 105 is based on a protocol stack defined in the wireless network. A communication interface for connecting a predetermined communication channel with the information registration terminal 135 and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the information registration terminal 135. It is preferable to provide.

For example, when the information registration terminal 135 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 105 may perform the information based on the CDMA protocol. Connects the communication channel with the registration terminal 135, and uses a WAP / ME protocol defined in the browser program, for example, a web page (e.g., a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information. Provides a communication interface for transmission and reception.

Alternatively, when the information registration terminal 135 is provided with a communication program (eg, IC chip based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol. It connects the communication channel with the information registration terminal 135 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or It is desirable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 135 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined information registration terminal 135 accesses the information registration server 100 through the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined advertisement application information from the information registration terminal 135 to the information registration terminal 135. And the information receiving unit 115 which receives the predetermined advertisement application information transmitted from the information registration terminal 135 through the user interface (or selected) in connection with the interface unit 105 and the reception unit. An information checking unit 125 for extracting (or confirming) an advertisement to be provided when the customer requests payment processing based on the received advertisement request information from the storage medium 130, and the extracted light (or confirming) Information (or data) associated with the customer information and customer payment method information processing characterized by comprising in an information storage unit 120 for storing a predetermined storage medium (130).

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 135 when a predetermined information registration terminal 135 is connected to the information registration server 100 through the interface unit 105. Generate (or select) the advertisement request information to generate a predetermined user interface which can be transmitted to the information registration server 100 via the network means, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the information registration terminal 135 through the network means.

Subsequently, the information registration terminal 135 inputs advertisement application information including at least one or more of the customer personal information, customer payment means information, advertisement information to be provided, and interest field information to be provided as an advertisement based on the user interface ( Or) and transmits the input (or selected) advertisement application information to the information registration server 100 through the interface means.

According to an embodiment of the present invention, when the information registration terminal 135 includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 110 provides the information. Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the registration terminal 135, and the information about the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the registration terminal 135.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the information registration terminal 135. Generating (or extracting) a predetermined user interface that can be provided as a program and / or a communication program, and providing the generated (or extracted) user interface to the information registration terminal 135 through the interface unit 105. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may include the call terminal (not shown). Create (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 105 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105. .

The information receiving unit 115 inputs advertisement request information including at least one of the customer personal information, customer payment means information, and advertisement information (or advertisement data) to be provided through the user interface at the information registration terminal 135. (Or select) the transmission through the network means, and receives the advertisement request information in association with the interface unit 105, and provides the received advertisement request information to the information confirming unit 125. do.

The information confirming unit 125 interoperates with the storage medium 130 based on the advertisement information requested by the customer included in the advertisement request information received from the information registration terminal 135, which the customer requests. And extracting (or confirming) advertisement information (or data) corresponding to the advertisement information.

According to the method of the present invention, the information checking unit 125 confirms the interest field of the customer included in the advertisement application information, and displays advertisement information (or data) corresponding to the identified customer interest field. It is characterized in that the extraction (or confirmation) from the storage medium (130).

For example, if the customer includes a movie (or play), a performance, etc. as the area of interest in the advertisement application information, the information checking unit 125 may perform the movie (or play), performance from the storage medium 130. Extracting (or confirming) related advertisement information (e.g., an opening movie discount event, etc.) and performing the payment process using the payment means of the customer through the advertisement data operation system shown in FIG. ), The advertisement-related advertisement information (eg, a movie discount event, etc.) can be transmitted to the card terminal that transmitted the full payment processing.

The information storage unit 120, if the advertisement information (or data) to be provided to the customer through the information confirmation unit 125 is confirmed, the confirmed advertisement information (or data) and the customer information or customer payment means The storage medium 130 is stored in the storage medium 130 in association with at least one of the information, and the storage medium 130 is provided in the information registration server 100, or the information registration server 100 and When provided on an associated network, the information storage unit 120 preferably processes the advertisement information (or data) and the customer information and / or customer payment means information in the storage medium 130. If the storage medium 130 is provided in a DBMS provided on a financial system (for example, a card company, etc.), the information storage unit 120 may include the advertisement information (or data), the customer information, and the customer payment means.It provides information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

In more detail, FIG. 2 shows the case where the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which the information registration terminal 135 can be connected through a predetermined network means. After the information registration terminal 135 accesses the information registration server 100 and connects a communication channel for registering advertisement application information according to the present invention, the customer personal information to the information registration server 100 through the communication channel. , When the advertisement request information including at least one customer payment means information and advertisement information to be provided is transmitted, the payment processing by the customer included in the received advertisement request information at the information registration server 100 using the payment means. When the advertisement information (or data) corresponding to the advertisement information to be provided is extracted (or confirmed) from the storage medium 130, the extracted advertisement information (or confirmed) (and Refers to an implementation method of processing data in association with the customer information and customer payment means information, and storing the data in the storage medium 130. If a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified by the information registration server 100 may be inferred through various implementation methods for storing and registering the customer advertisement information (or data) and the customer payment means information, the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 2, when the information registration terminal 135 shown in FIG. 1 is a predetermined network means (for example, the information registration terminal 135 is a wired terminal), the TCP / IP based wired communication network and the information registration terminal When 135 is a wireless terminal, a predetermined communication channel for accessing the information registration server 100 through a CDMA based mobile communication network and / or an IEEE 802.16x based portable Internet, etc. to register predetermined advertisement application information. When the request for registration of the advertisement application information for the advertisement application according to the present invention (200), the information registration server 100 is a web page corresponding to a predetermined information registration interface for registering the advertisement application information It generates (or extracts) 205 and transmits and outputs a web page corresponding to the generated (or extracted) information registration interface to the information registration terminal 135 through the communication channel (210).

According to an embodiment of the present invention, the information registration interface inputs (or selects) advertisement application information including at least one or more of the customer personal information, customer payment means information, and advertisement information to be provided in the information registration terminal 135. It is desirable to include a user interface).

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the information registration procedure, whereby the present invention is not limited.

Thereafter, the information registration terminal 135 inputs (or selects) advertisement application information including at least one of the customer personal information, customer payment means information, and advertisement information to be provided through the information registration interface (215).

If the information registration terminal 135 receives (or selects) advertisement application information including at least one or more of the customer personal information, customer payment means information, and advertisement information to be provided through the information registration interface (220), The information registration terminal 135 includes the advertisement registration information including at least one or more of the customer personal information, customer payment means information, and advertisement information to be provided through the communication channel. (225).

Thereafter, the information registration server 100 receives and reads advertisement application information including at least one or more of the customer personal information, customer payment means information, and advertisement information to be provided through the communication channel (230), and the advertisement. The customer included in the application information confirms advertisement information (for example, interest field information, etc.) to be provided when the payment is processed using the payment means (235).

When the customer checks the advertisement information (eg, interest field information, etc.) to be provided during the payment processing using the payment means, the information registration server 100 checks the confirmed advertisement information (eg, interest field information). Advertising information (or data) corresponding to the extracted from the storage medium (130) (or 240).

If the advertisement information (or data) corresponding to the identified advertisement information (eg, interest field information) is extracted from the storage medium 130 (or confirmed) from the storage medium 130 (245), the The information registration server 100 processes the extracted (or confirmed) advertisement information (or data) in association with the customer information and customer payment means information and stores the data in the storage medium 130 (250). Or data) to generate (or extract) a webpage including the storage history and transmit the generated webpage to the information registration terminal 135 (255).

In more detail, FIG. 3 shows advertisement tendency information corresponding to customer tendency information according to a payment pattern of a card payment customer in the card company server 300 or customer tendency information registered through the information registration server 100 shown in FIG. Or code) in association with the customer card information to store in a predetermined storage medium 345, and store the predetermined incentive information (or code) corresponding to the number of payments of the customer card in the storage medium 345, When a payment approval request message is received from a predetermined server 350 (eg, a VAN company server, etc.), the customer card information included in the payment approval request message is checked and advertisement information corresponding to the confirmed customer card information ( Or code) from the storage medium 345, or by checking the customer card number of payments, extracting (or confirming) incentive information (or code) corresponding to the number of card payments. And transmits the extracted (or confirmed) advertisement (or incentive) information (or code) to the server 350 and provides the card terminal 380 with the card payment requested through the server 350. And, as an implementation method for the advertising data management system configuration to print and output the advertisement (or incentive) information on the sales slip to be provided to the customer in the card terminal 380, which is common in the art If the person skilled in the art, with reference to and / or modifying the Figure 3, when receiving the payment approval request message from the card company server 300, the advertisement (or incentive) information (or code) stored in the storage medium 345 said Corresponding to the customer's card information or the number of card payments (or confirmed) from the storage medium 345, the extracted (or confirmed) advertisement (or incentive) information (or code) through the server 350 Various implementation methods may be inferred to be transmitted to the card terminal and printed on the sales slip, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. .

Referring to FIG. 3, the illustrated advertisement data management system processes advertisement information (or code) corresponding to customer propensity information in association with the customer card information, and stores the advertisement information (or code) in a predetermined storage medium 345, and the number of customer card payments. After the predetermined incentive information (or code) corresponding to the storage medium 345 is stored, and a payment approval request message is received from a predetermined server 350 (eg, a VAN company server, etc.), the payment approval request Check the customer card information included in the full text, extract (or check) the advertisement information (or code) corresponding to the confirmed customer card information from the storage medium 345, or check the number of times the customer card payment And extracting (or confirming) incentive information (or code) corresponding to the number of payments of the card and transmitting the extracted (or confirming) advertisement (or incentive) information (or code) to the server 350. The card 300 and the corresponding card terminal that transmits the payment approval request message corresponding to the advertisement (or incentive) information (or code) received from the card company server 300 and the payment approval request message corresponding to the payment approval request message. Receives the server (350) and the payment approval response message and the advertisement (or incentive) information (or code) transmitted from the server 350, and receives the received advertisement (or incentive) information (or advertising ( Or a card terminal for printing and printing advertisement (or incentive) information corresponding to an incentive code) on a sales slip.

According to an embodiment of the present invention, the advertisement information stored in the storage medium 345 is a specific (field) advertisement selected (or input) by the cardholder customer through the information registration system shown in FIG. Ads included in certain categories (or interests) selected by (or entered by) the cardholder, or ads corresponding to the cardholder information (e.g., ads of a certain age group, occupation, region, gender, etc.) And at least one or more).

In addition, the advertisement information, characterized in that corresponding to the customer propensity information according to the payment pattern of the card payment customer, for example, the customer payment pattern is due to the frequency of payment and payment merchant area information, payment merchant location information and It may be configured to include payment time zone information, payment merchant business information.

According to an embodiment of the present invention, the incentive may include at least one of a coupon, a gift certificate, an exchange ticket, a lottery ticket, a lottery ticket, and a sweepstakes ticket. It comprises at least one or more information, lottery information, sweepstakes information, or specific site access information or authentication information that can be provided with the at least one or more incentives.

The card terminal is provided at a predetermined affiliate store that transmits a payment approval request message to the server 350 when the customer requests payment processing using the card, and corresponds to the payment approval request message from the server 350. Upon receipt of the payment approval response message, the advertisement (or incentive) information (or code) to be printed on the sales slip is further received, or the received advertisement (or incentive) information is included in the payment approval response message. (Or advertisement (or incentive) information corresponding to the advertisement (or incentive) code) to be printed on a predetermined area on the sales slip and output.

According to another exemplary embodiment of the present invention, when the card terminal 380 receives an advertisement (or incentive) code to be printed on the sales slip, an advertisement (or incentive) corresponding to the received advertisement (or incentive) code is received. The information may be checked (or extracted) from the memory in the card terminal 380, and the printed advertisement (or incentive) information may be printed and printed on the sales slip. This will be described with reference to FIGS. 5 and 6 below.

The server 350 receives a predetermined payment approval request message from the card terminal, reads the received payment approval request message, checks card company information to request approval for the payment approval request message, and confirms The payment request for the approval of the payment request to the card company server 300, the card company server 300 receives the approval details and predetermined advertisement information (or data) according to the present invention, the payment approval The payment approval response message and the advertisement information (or data) corresponding to the request message are transmitted to the card terminal.

According to an embodiment of the present invention, the server 350 transmits the advertisement (or incentive) information (or code) provided from the card company server 300 to the card terminal. It is preferable to transmit, including, but not limited to.

In more detail, the card company server 300, at least one or more advertisement information (or code) that is printed on a predetermined area on the sales slip and can be provided to the customer when the customer card payment, and the number of customer card payments (or exposure of the advertisement information A storage unit 315 that stores incentive information (or code) that can be provided according to the number of times) on a predetermined storage medium 345, and analyzes a payment pattern of a predetermined card payment customer, thereby identifying the propensity information of the customer. Or the analysis unit 325 receiving the propensity information of the customer from a predetermined propensity information providing server 350 (or the customer information management server), and the advertisement information (or code) corresponding to the propensity information of the customer. An extraction unit 330 which extracts from the storage medium 345 and links the extracted advertisement information (or code) and the customer card information to a predetermined storage medium 345, and the customer's; When the payment request is made, the customer confirms the number of payments using the card 335, and the result of checking the number of payments using the card of the customer, the number of payments using the card of the customer can provide the incentive information. When the number of times is satisfied, incentive information (or code) corresponding to the number of payments for using the customer card is extracted from the storage medium 345, or the number of payments for which the incentive information is provided is provided. If not satisfied, characterized in that it comprises a determination unit 340 for extracting the advertisement information (or code) corresponding to the customer card information from the storage medium 345.

In addition, the card company server 300 may be configured to further include a management unit for counting and storing the number of card payments when the card payment of the customer.

Also, the card company server 300 reads the received payment approval request message and a receiving unit 305 for receiving a payment approval request message from a predetermined server 350 (for example, a VAN company server). A reading unit 310 for reading card information and payment amount information included in the approval request message, the extracted incentive information (or code) or advertisement information (or code) and payment approval corresponding to the payment approval request message; It may be configured to include a transmission unit 320 for transmitting the full message to the server 350.

According to the embodiment of the present invention, in this figure, the functional components are shown as being provided in the card company server 300, but this is only for clarifying the function of the card company server 300, It is not limited.

For example, at least one or more functional components included in the card company server 300 may be embodied as a server 350 (or means) for performing respective functions on the advertisement data management system, or may be provided on the advertisement data management system. It is revealed that the server 350 may be provided.

The storage unit 315 stores at least one or more advertisement information in a predetermined storage medium 345, wherein the advertisement information is stored in a card terminal during a payment process using a card issued by the card company. Characterized in that the advertisement information is set to be printed on the sales slip output, for example, new product promotions, card company promotions, event promotions, announcements, specific phrases, may be configured to include at least one promotion, etc. The storage unit 315 may further store an advertisement code corresponding to the advertisement information.

In addition, the storage unit 315 stores incentive information that can be provided according to the number of payments of the customer card (or the number of times of advertisement information, etc.) in a predetermined storage medium 345, wherein the incentive information and the The number of payments for the customer card to provide the incentive information is preferably determined according to a predetermined incentive information provision policy, and includes at least one of the coupon information, gift certificate information, exchange ticket information, lottery information, lottery information, and gift certificate information. It may be configured to include specific site access information or authentication information that can be lost, or receive the at least one incentive, and the storage unit 315 may further store an incentive code corresponding to the incentive information.

According to another exemplary embodiment of the present invention, the incentive information may be provided to the card settlement customer in proportion to the number of payments made by the customer card (for example, the larger the number of payments, the greater the incentive provided). The number of customer card payments may be accumulated or recounted according to the incentive information obtained by the customer.

The analysis unit 325 analyzes a payment pattern of a predetermined card payment customer to determine the propensity information of the customer, and the customer propensity information identified through the payment pattern analysis is performed when the card payment of the customer is performed. A basis for selecting advertisement information (or code) to be provided to the customer is prepared.

According to the implementation method of the present invention, the analysis unit 325 checks the customer card payment history for a specific period, the type of merchants or merchants that customers frequently visit, the region, the time zone that customers frequently pay, card payment costs, etc. By grasping, the client's disposition is analyzed.

For example, if a customer purchased ski equipment at a ski equipment sales merchant at least once, and paid the ski resort fee with a card, the analysis unit 325 may analyze that the hobby of the customer is skiing, Accordingly, the customer can be provided with ski-related advertisement information (eg, condo discount information, ski resort discount information, etc.) or insurance product information for leisure or sports.

In addition, if a customer mainly pays utility bills or tuition fees with the card, the customer may be provided with new financial product related advertisement information (eg, utility bill transfer).

According to another exemplary embodiment of the present invention, the customer propensity information (eg, customer hobby or interest) is connected to the card company server 300 through a predetermined network, or is provided on the advertisement data management system. It can be provided from the propensity information providing server 350 (for example, the information registration server 100 or a predetermined customer information management server shown in FIG. 1).

The extraction unit 330 extracts advertisement information (or code) corresponding to the determined customer propensity information from the storage medium 345 when the propensity information of the customer is determined through the analysis unit 325. The extracted advertisement information (or code) is processed in association with the customer card information and stored in a predetermined storage medium 345.

For example, when the extraction unit 330 determines that the customer likes skiing or frequently visits ski resorts through the analysis unit 325, the extraction unit 330 skis from the storage medium 345 in which the advertisement information (or code) is stored. Related advertisement information (eg, condo discount information, ski resort discount information, etc.) or insurance product information (eg, travel insurance, etc.) for leisure or sports, and the extracted ski related advertisement information (eg, Condo discount information, ski resort discount information, etc.) or insurance product information (for example, travel insurance) for leisure or sports is processed in association with the customer card information and stored in the storage medium 345.

The confirmation unit 335, in response to the card payment request of the customer, the receiving unit 305 receives the full payment approval request from the server 350, the reading unit 310 the received payment approval request Read the customer card information included in the full text, and in response to the read customer card information, the customer checks (or extracts) from the storage medium 345 the number of times the customer made a payment using the card, or from the management unit And receiving a number of payments corresponding to the card information.

The determination unit 340 may determine whether the number of payments made by the customer through the identification unit 335 corresponds to the number of payments for providing incentive information stored in the storage medium 345.

For example, if the incentive information stored in the storage medium 345 does not reach the number of payments provided, the determination unit 340 receives advertisement information (or code) corresponding to the customer card information from the storage medium 345. Can be determined to extract.

According to another exemplary embodiment of the present invention, the determination unit 340 may have an advertisement corresponding to the customer card information, even if the number of payments for the card use of the customer corresponds to the number of payments for providing the incentive information stored in the storage medium 345. Information (or code) may be further extracted along with the incentive information (or code).

According to another exemplary embodiment of the present invention, when the determination unit 340 can determine whether the customer uses the incentive information, even if the customer is provided with the predetermined incentive information for the previous card payment, the customer If it is confirmed that the provided incentive information is not used, the incentive information may be periodically provided upon payment of the customer's card until the customer uses the incentive information.

For example, when the incentive information provided by the customer is a point exchange ticket, and also for the point exchange, the predetermined authentication number described in the point exchange ticket is given to a predetermined web server 350 (eg, the card company server 300 or the card company). When a procedure for exchanging a predetermined point is required, such as accessing and inputting a server 350, such as a server 350 interworking with the server 300, the determination unit 340 is configured to confirm the use of the incentive information of the customer. The incentive information may be repeatedly provided when paying for the customer card.

The management unit counts and stores the number of card payments of the customer every time the customer pays the card, and the management unit provides predetermined incentive information (or code) according to the number of payments of the customer card. The number of payments may be accumulated and stored even after initializing the number of payments counting or providing the incentive information (or code).

The receiving unit 305 receives at least one payment approval request message from the server 350 connected through the payment network, and transmits the received payment approval request message to the reading unit 310.

The reading unit 310 reads the payment approval request text received through the receiving unit 305, checks payment means information (eg, a card number, etc.) included in the payment approval request text, and confirms the The card information is transmitted to the payment approval unit.

The payment approval unit includes the usage limit information D / B, or interlocks with the usage limit information D / B, checks the usage limit information corresponding to the payment means information confirmed through the reading unit 310, and performs the payment. It is determined whether the means are approved, and when the payment means is successfully processed, the approval details are transmitted to the extraction unit 330.

The transmission unit 320 is successfully approved for the payment approval request full text through the payment approval unit, the incentive information (or code) or customer corresponding to the customer card number of payments through the determination unit 340 When the advertisement information (or code) corresponding to the card information is extracted (or confirmed), the approval details and the advertisement (or incentive) information (or code) is transmitted to the server 350 through the payment network. It is done.

Referring to FIG. 3, the illustrated server 350 (eg, a VAN company server) receives a full payment approval request from a card terminal provided in at least one or more affiliated stores through a predetermined merchant-side payment network (eg, a VAN). A receiving unit 355 for receiving, an information checking unit 365 for confirming payment means information included in the received payment approval request message and card company information corresponding to the card information, and corresponding to the confirmed card information The professional processing unit 370 for transmitting the payment approval request message to the card company server 300 to request an approval request, and the approval details (or responses) for the approval request from the card company server 300 and a predetermined advertisement ( Or an information receiving unit 375 for receiving incentive information and the received advertisement (or incentive) information (or code) and the full text of the payment approval response to the card terminal 380, or It is characterized in that it comprises a specialized transmission unit 360 for generating a payment approval response message containing the received advertisement (or incentive) information (or code), and transmits to the card terminal for transmitting the payment approval request message. .

4 is a diagram illustrating a configuration of an advertisement data management system for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to an exemplary embodiment of the present invention.

More specifically, FIG. 4 corresponds to predetermined advertisement application information (or advertisement related information, interest information, hobby, etc.) selected by the card holder customer through the information registration system shown in FIG. The advertisement information to be linked to the customer card information (for example, card number, etc.) is stored in a predetermined storage medium 345, or through the customer card payment pattern through the card company server 300 shown in FIG. After the customer disposition is analyzed, the advertisement information corresponding to the analyzed customer disposition is stored in the storage medium 345, and predetermined incentive information corresponding to the number of the customer card payments is stored in the storage medium 345, When the payment approval request message transmitted from a predetermined server 350 (for example, a VAN company server, etc.) is received in the card company server 300 illustrated in FIG. 3, the payment approval request message included in the received payment approval request message is included. Check card information and payment number information of the card, and extract (or verify) advertisement information corresponding to the confirmed card information or incentive information corresponding to the confirmed customer card payment frequency from the storage medium 345. And transmitting the extracted approval (or incentive) information and the payment approval response message corresponding to the payment approval request message to the card terminal through the server 350 to output the extracted (or confirmed) information. As a person having ordinary skill in the art to which the present invention pertains, the customer card information or the customer card number of payments may be received when the payment approval request message is received from the card company server 300 by referring to and / or modifying the drawing 4. Various implementation methods for transmitting and outputting advertisement (or incentive) information according to the information to the card terminal through the server 350 can be inferred Would be, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

Referring to FIG. 4, the illustrated embodiment is selected (or input) by a card holder customer from the card company server 300 on the advertisement data operation providing system shown in FIG. 3 through the information registration system shown in FIG. Receives advertisement information corresponding to a predetermined advertisement application information (or advertisement related information, interest information, or hobbies, etc.) and stores it in a predetermined storage medium 345 or customer tendency through a customer card payment pattern. Analyzing, storing advertisement information corresponding to the analyzed customer tendency in the storage medium 345, and storing predetermined incentive information corresponding to the number of payments of the customer card in the storage medium 345. Thereafter, the card company server 300 may start the process of storing the advertisement information corresponding to the customer tendency and the customer card information in a predetermined storage medium 345 (400).

Then, when the payment request through the customer card 405, the card company server 300 is a payment approval request full text including the customer card information from the server 350 (for example, VAN company server, etc.) connected to the payment network and Receive the approval request for this (410), read the received payment approval request text to confirm the card information included in the payment approval request message, and to check the payment limit corresponding to the confirmed card information and the like approval The process is performed (415).

If the approval process for the payment means is successfully performed (420), the card company server 300 checks the customer card payment number information corresponding to the confirmed card information in conjunction with the storage medium 345 and In operation 430, it is determined whether the number of confirmed customer card payments satisfies the incentive information possible number of times (430).

Here, if the confirmed number of customer card payments satisfies the number of possible incentive information (435), the card company server 300 extracts incentive information corresponding to the number of customer card payments from the storage medium (345) (or In operation 445, the extracted (or confirmed) incentive information and the payment approval response details are transmitted to the server 350 (445).

On the other hand, if the confirmed customer card payment times do not satisfy the incentive information available times, the card company server 300 counts the customer card payment times and accumulates, and the customer card from the storage medium 345 The advertisement information corresponding to the information is extracted (or confirmed) (450), and the extracted (or confirmed) advertisement information and the payment approval response details are transmitted to the server 350 (455).

In the present exemplary embodiment, the incentive information and the advertisement information are provided separately according to the number of payments of the customer card. However, this is just one embodiment, and the incentive information and the advertisement information are simultaneously displayed on the server 350 (eg, It can be provided as a VAN server, etc.).

Thereafter, the server 350 (eg, a VAN company server, etc.) transmits the incentive (or advertisement) information and the payment approval response details transmitted from the card company server 300 to the card terminal 380, or A payment approval response message including incentive (or advertisement) information is generated 460, and the generated payment approval response message is transmitted to the card terminal 380 (465).

Then, the card terminal reads the transmitted payment approval response message, confirms the incentive (or advertisement) information included in the payment approval response message, and prints the confirmed incentive (or advertisement) information on the sales slip. And outputs the data (470).

5 is a diagram illustrating a card terminal function configuration for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to an exemplary embodiment of the present invention.

More specifically, FIG. 5 is provided in a predetermined affiliate store, and stores a predetermined advertisement (or incentive information) and a predetermined code corresponding to the advertisement (or incentive) information printed on the sales slip when paying for the customer card. When the terminal receives a predetermined code corresponding to the advertisement (or incentive) information from the server 350 on the advertisement data management system shown in FIG. 3, the terminal stores advertisement (or incentive) information corresponding to the received code in the memory. As a method of implementing a card terminal for checking (or extracting) from the unit 535 and printing and outputting the extracted (or confirmed) advertisement (or incentive) information on a sales slip, If the person skilled in the art, with reference to the Figure 5 and / or modified in the card terminal 500 when a predetermined customer card payment request, on the network Various card terminal function configurations for extracting (or confirming) advertisement (or incentive) information corresponding to a predetermined code received from the server 350 from the memory unit 535 and outputting them on the sales slip can be inferred. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

According to the exemplary embodiment of the present invention, the advertisement information stored in the card terminal memory unit 535 may be a specific (field) advertisement selected (or input) by the card holder customer through the information registration system shown in FIG. , Or an advertisement included in a predetermined category (or interest) selected (or entered) by the cardholder customer, or an advertisement corresponding to the cardholder customer information (e.g., by specific age group / occupation / regional / gender) Advertisement) and the like.

According to an embodiment of the present invention, the incentive may include at least one of a coupon, a gift certificate, an exchange ticket, a lottery ticket, a lottery ticket, and a gift certificate. The incentive information may include the coupon information, gift certificate information, exchange ticket information, It comprises at least one or more information, lottery information, sweepstakes information, or specific site access information or authentication information that can be provided with the at least one or more incentives.

Referring to FIG. 5, the illustrated card terminal 500 basically includes a control unit 505, a memory unit 535, a card reader unit 510, a key input unit 520, a screen output unit 515, and a communication unit 530. ) And a print output unit 540 and a power supply unit 525 for supplying power to the card terminal 500, and at least one terminal function unit 535 (not shown in detail) according to the intention of a person skilled in the art. For example, such as a security application module).

The control unit 505 controls the overall operation of the card terminal 500 in terms of function configuration, manages the flow of information or data between components, and in particular, advertisement (or incentive) information to be provided to a predetermined card payment customer. The code corresponding thereto is stored in the memory unit 535 in the card terminal 500, and the advertisement (or incentive) corresponding to a predetermined code received from the server 350 on the network when the customer pays for the card. Interlocking and controlling at least one component provided in the card terminal 500 in order to extract (or confirm) information from the memory unit 535 and print it on a sales slip to be provided to the customer. In terms of hardware, the software consists of a central processing unit (CPU), read only memory (ROM), random access memory (RAM), and a system bus. The card terminal 500 includes predetermined program routines and / or program data which are loaded from a predetermined recording medium into the execution memory to be performed by the processor to perform a function specific to the card terminal 500 (eg, The advertisement (or incentive) information to be provided to a predetermined card payment customer and a code corresponding thereto are stored in the memory unit 535 in the card terminal 500. When the card payment request is made by the customer, the server 350 on the network To the card terminal 500 to print (or check) the advertisement (or incentive) information corresponding to the predetermined code received from the memory unit 535 and print it on the sales slip to be provided to the customer. Predetermined programs recorded on the provided recording medium, and / or a function that can be processed in software from among the functional configurations provided in the card terminal 500. Characterized in that formed by also shown as being provided with an element in the control unit 505).

According to the exemplary embodiment of the present invention, the controller 505 is configured to display the components (for example, the memory unit 535, the card reader unit 510, the key input unit 520, and the screen provided in the card terminal 500). Unit 515, the communication unit 530 and the print output unit 540) and / or the terminal function unit 535 (not shown in detail), etc. according to the intention of a person skilled in the art, interoperate with each other to the card terminal 500. In addition to controlling and managing providing a defined electronic payment service, the memory unit 535 in the card terminal 500 provides advertisement (or incentive) information and a corresponding code to be provided to a predetermined card payment customer according to the present invention. ) And extracts (or confirms) advertisement (or incentive) information corresponding to a predetermined code received from the server 350 on the network from the memory unit 535 when the card payment request of the customer is performed. Print on sales slips to customer Control the components provided in the card terminal 500 to interoperate with each other, and / or use predetermined payment means (e.g., credit or debit card, debit card, etc.) information read from a predetermined card. It is preferable to execute the program recorded on the recording medium provided in the card terminal 500 for the financial transaction.

The memory unit 535 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the card terminal 500 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 505 is a predetermined program routine and program data required to perform a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an exemplary embodiment of the present invention, the memory unit 535 may include advertisement (or incentive) information to be provided to a predetermined card settlement customer, a code corresponding thereto, and at least one or more information required for processing a financial transaction (eg, The card terminal 500 address information and / or the card terminal 500 ID information and / or the card terminal 500 manager (or operator) information) may be stored.

According to the exemplary embodiment of the present invention, the advertisement (or incentive) information and the corresponding code stored in the memory unit 535 may be periodically updated and stored in association with the server 350 on the network.

In general, in order to generate the full payment approval request message in the card terminal 500, a card that reads predetermined payment means information is ISO / IEC 7816 for a predetermined financial transaction processing with the card terminal 500. It characterized in that it comprises a contact IC card (or wireless IC chip) based on the standard, and at least one or more contactless IC card based on the ISO / IEC 14443 standard, for this purpose, the card of the card terminal 500 The reader unit 510 may provide an interface for reading at least one or more information or data included in the customer card.

The card reader 510 at least one predetermined card information (for example, credit card or check card or debit card or cash card or financial account) from the card for the electronic payment service defined in the card terminal 500 It is preferable to read the payment means information corresponding to the payment means including).

In addition, the card reader 510 may include a contact IC reader that provides an interface between the contact IC card and the card terminal 500.

The contact IC reader unit is a card reader unit 510 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the card terminal 500.

In addition, the card terminal 500, based on ISO / IEC 14443 for the transaction with a contactless IC card, using a contactless IC card and contactless by using capacitive coupling and / or inductive coupling, etc. It comprises at least one antenna making an electrical contact, the power supply to the IC chip of the IC card through the antenna, predetermined from the IC chip through the half-duplex transaction using the APDU It may further comprise a contactless IC reader unit for interfacing the information or data of the card terminal 500.

In addition, according to the embodiment of the present invention, the card terminal 500 may be configured to further include an MS reader unit for performing transactions with the MS-type card, the MS reader unit based on ISO / IEC 7810 As the card reader unit 510, an MS card including at least one magnetic head including a predetermined coil, and recording predetermined information (eg, magnetized binary data) is recorded. When the magnetic head moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head, and the MS of the MS card is loaded. It is characterized in that the predetermined information or data from at least one track provided in the interface to the card terminal (500).

The key input unit 520 is provided with at least one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the card terminal 500 controlled by the controller 505. When predetermined information (or signal) is input from the key button, a key event corresponding to the input information (or signal) is generated and the generated key event is provided to the controller 505.

Here, the control unit 505 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the card terminal 500, and / or is defined to match the key event. Characterized in that the command to execute the function of the key input unit 520 and the key input device having at least one or more key buttons interlocked with each other of the key input means provided in the card terminal 500 Perform the function.

For example, a key input device interoperating with the key input unit 520 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or A keyboard device having a Hangul text key) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key and a text key and a function key It is preferable to include at least one or more provided touch screen device.

The key input unit 520 is a key for receiving key data (eg, payment amount, etc.) corresponding to the electronic payment service from at least one key input device for a predetermined electronic payment service defined in the card terminal 500. It is preferable to perform the function of the input means.

The screen output unit 515 is controlled by the controller 505 while the card terminal 500 performs a predetermined function (eg, an electronic payment processing function and an advertisement information (or data) extraction / output function, etc.). Output at least one information or data that is predefined or defined in real time to a predetermined display device including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) through a predefined interface screen The screen output unit 515 and the screen output device interoperate with each other to perform a function of the screen output means provided in the card terminal 500.

Predefined information or data to be output from the card terminal 500 to the screen output device may be key data input through the key input unit 520 and / or components provided in the card terminal 500. Information (or data) stored or generated by the controller, information (or data) transmitted / received through the communication unit 530, and / or (or data) corresponding to a predetermined operation result performed by the card terminal 500. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 515 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the card terminal 500 It is preferable to perform the function of the output means.

The communication unit 530 may be configured to transmit a predetermined function (for example, an electronic payment processing function and a full text of a payment approval request to the server 350) by the card terminal 500, and a predetermined advertisement from the server 350 on the network. Or a server 350 (for example, the server 350 or the like) that is connected through a payment network (for example, a value added network) in the process of performing incentive) information or a code corresponding thereto. Card company server 300, etc.) and / or a terminal (or device) connected to the card terminal 500 through a predetermined cable (for example, a terminal connected to the card terminal 500 through predetermined short-range wireless communication ( Or a device)) and a predetermined communication means for connecting a communication session, and the server 350 (for example, the server 350 and the card company server 300 or a separate web server, etc.) on a wired or wireless network. And predetermined communication channel A network communication unit 530 for connecting a communication terminal, and / or a cable communication unit 530 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least one short-range wireless communication means. It includes a short-range wireless communication unit 530 for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session through a communication protocol for connecting the communication channel (or communication session) by software. And / or a driver.

The network communication unit 530 may be a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). It is characterized by connecting a communication channel with a server 350 (eg, the server 350 or the card company server 300 or a separate web server) on a wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network. And a modem or a network interface card (NIC) for connecting the card terminal 500 to a predetermined wired / wireless network in hardware. Communication protocols and / or drivers for connecting to wired and wireless networks.

The cable communication unit 530 connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit 530 may include at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), and universal serial bus (USB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means including the above, and in the hardware, the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It comprises a predetermined short-range wireless communication module for short-range wireless communication including a, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

The print output unit 540 may be configured to perform a predetermined function (eg, an electronic payment processing function and an advertisement (or incentive) information processing function, etc.) of the card terminal 500 and / or may be generated as a result. And outputting information or data (eg, card payment approval result information (or data) or advertisement information (or data)) to a predetermined printing device 545 (eg, a sales slip (or receipt) printer). And a printing protocol and a driver for printing the print information or data through the printing apparatus 545 according to a predefined printing form.

The card terminal 500 may further include a terminal function unit (eg, a security application module) that performs a specific function. The secure application module (SAM) may be the card terminal 500. ) Includes the confidentiality and / or authentication and / or integrity and / or nonrepudiation required in performing the electronic payment and / or electronic payment using the card. As a safety device for performing security requirements in a secure and reliable structure within the card terminal 500 without using the authentication server 350 (or payment server 350, etc.) on the payment network, the card terminal ( 500 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (e.g., electronic payment and / or electronic payment function). Add the certifier to prevent counterfeiting of the message (or modulation), or is performing a function that stores important core information in the course of performing the required security features.

In general, the security application module may be composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more has a performance of 2 MIPS (Million Instructions Per Second) or more An Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) and / or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the card terminal 500 to perform a predetermined security request function and / Or a key (e.g., one master key and at least one application key) and / or a protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocols, mode switch protocols, key download protocols, SAM discard protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / initialize / reprocess / Cancel command).

According to the embodiment of the present invention, the card terminal 500 shown in the memory unit (in the card terminal 500) advertising (or incentive) information to be provided to a predetermined card payment customer to provide a code corresponding thereto 535, and when the card payment request is made by the customer, advertisement (or incentive) information corresponding to a predetermined code received from the server 350 on the network is extracted (or confirmed) from the memory unit 535. At least one functional component for performing a function of printing on a sales slip to be provided to the customer will be illustrated as being provided in the controller 505.

Referring to FIG. 5, the controller 505 basically requests a payment approval request including information on payment means read through the card reader 510 and payment amount information input through the key input unit 520. A professional transmission unit 550 for generating a full message and transmitting the full message to a server 350 (eg, a van company server) on the network, and a payment approval response corresponding to the full payment approval request message from the server 350. When the full text is received, the received payment approval response message is read out, and includes a professional processing unit 555 for performing the payment processing according to the reading result. In particular, according to the embodiment of the present invention, the control unit ( 505 is a predetermined advertisement (or incentive) received from a server 350 (eg, a card company server 300 or a server 350 or a separate web server, etc.) on at least one network in cooperation with the communication unit 530. ) Code The information receiving unit 560 and the information extracting unit 565 and the communication unit 530 which extract (or confirm) the advertisement (or incentive) information corresponding to the received code from the memory unit 535. And an information storage unit 570 for storing the received advertisement (or incentive) information and a code corresponding thereto in the memory unit 535.

The full text transmission unit 550 may include a full text including payment means information read through the card reader 510 and payment amount information input through a predetermined key input means provided in the card terminal 500. To configure, and transmits to the server 350 (for example, the server 350, etc.) on the network through the communication unit 530.

When the professional processing unit 555 receives a payment approval response message corresponding to the payment approval request message from the server 350, the specialized processing unit 555 reads the received payment approval response message, which is normal to the payment approval response message. If the approval details are included, the payment processing for the payment amount is normally performed. On the other hand, if the approval approval details are included in the full payment approval response message, the payment processing rejection (or error) details are displayed on the screen output unit ( 515).

The information receiving unit 560, in conjunction with the communication unit 530, the card payment received from the server 350 (for example, card company server 300 or server 350 or a separate web server, etc.) on at least one network Characterized in that periodically receiving a predetermined advertisement (or incentive) code to provide to the requesting approval customer.

The information storage unit 570 stores the advertisement (or incentive) information received through the information receiving unit 560 and a code corresponding thereto in the memory unit 535 in the card terminal 500. .

The information extracting unit 565 receives a payment approval response message including a code corresponding to a predetermined advertisement (or incentive) information through the special processing unit 555 during the payment processing of the card terminal 500. If so, the code included in the received payment approval response message is checked and the advertisement (or incentive) information corresponding to the code is extracted from the memory unit 535.

6 is a process of providing advertisement (or incentive) information for providing a sales slip including predetermined advertisement (or incentive) information through the card terminal shown in FIG. 5 when paying a customer card according to another embodiment of the present invention. Figure is a diagram.

More specifically, FIG. 6 is provided in a predetermined affiliated store, and stores a predetermined advertisement (or incentive information) and a predetermined code corresponding to the advertisement (or incentive) information printed on a sales slip when paying for a customer card. When the terminal receives a predetermined code corresponding to the advertisement (or incentive) information from the server 350 on the advertisement data management system shown in FIG. 3, the terminal stores advertisement (or incentive) information corresponding to the received code in the memory. As a method of implementing a card terminal for checking (or extracting) from the unit 535 and printing and outputting the extracted (or confirmed) advertisement (or incentive) information on a sales slip, If a person of ordinary skill in the art, with reference to the Figure 6 and / or modified in the card terminal 500, a predetermined customer card payment request, on the network Various implementation methods of extracting (or confirming) advertisement (or incentive) information corresponding to a predetermined code received from the server 350 from the memory unit 535 and outputting it on the sales slip may be inferred. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 6, in the illustrated embodiment, after predetermined advertisement information and incentive information are stored in association with respective codes corresponding to the codes in the memory of the card terminal illustrated in FIG. 5 (600), FIG. In the card company server 300 on the advertisement data management system shown in FIG. 1, predetermined advertisement application information (or advertisement related information or interests) selected (or input) by the card holder customer through the information registration system shown in FIG. Receive advertisement information (code) corresponding to the information or hobby, etc., and store it in a predetermined storage medium, or analyze customer disposition through a customer card payment pattern, and ad information (code) corresponding to the analyzed customer disposition And storing predetermined incentive information (code) on the storage medium in association with the number of payments made by the customer. In operation 605, the card company server 300 may store the advertisement information (code) corresponding to the customer tendency and the customer card information in a predetermined storage medium.

Then, when the payment request through the customer card (610), the card company server 300 is a payment approval request full text including the customer card information from the server 350 (for example, VAN company server, etc.) connected to the payment network and Receive the approval request for this (615), read the received payment approval request full text to confirm the card information included in the payment approval request message, and to check the payment limit corresponding to the confirmed card information and the like approval The process is performed (620).

If the approval process for the payment method is successfully performed (625), the card company server 300 checks the customer card payment number information corresponding to the confirmed card information in association with the storage medium (630) In operation 635, it is determined whether the number of confirmed customer card payments satisfies the number of possible incentive information.

Here, if the confirmed number of customer card payments satisfies the number of possible incentive information (640), the card company server 300 extracts (or confirms) an incentive code corresponding to the number of customer card payments from the storage medium. In operation 645, the extracted (or confirmed) incentive code and the payment approval response details are transmitted to the server 350 (660).

On the other hand, if the confirmed customer card payment times do not satisfy the incentive information possible number, the card company server 300 counts the customer card payment times and accumulates, and stores the customer card information from the storage medium. The corresponding advertisement code is extracted (or confirmed) (650), and the extracted (or confirmed) advertisement information and the payment approval response details are transmitted to the server 350 (655).

Thereafter, the server 350 (eg, a VAN company server, etc.) transmits the incentive (or advertisement) code and the payment approval response details transmitted from the card company server 300 to the card terminal, or the incentive (or Advertisement) generates a payment approval response message including a code (665), and transmits the generated payment approval response message to the card terminal (670).

Then, the card terminal 500 reads the transmitted payment approval response message to confirm the incentive (or advertisement) code included in the payment approval response message (675), and the confirmed incentive (or advertisement). Incentive (or advertisement) information corresponding to a code is extracted (or confirmed) from the memory unit 535 (680), and the extracted (or confirmed) incentive (or advertisement) information is printed and printed on the sales slip. (685).

7 is a diagram illustrating a configuration of an advertisement data management system for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to another exemplary embodiment of the present invention.

In more detail, FIG. 7 shows customer propensity information according to a payment pattern of a card payment customer at a server 350 (eg, a VAN company server) or a customer propensity registered through the information registration server 100 shown in FIG. 1. The advertisement information (or code) corresponding to the information is processed in association with the customer card information and stored in a predetermined storage medium 755, and the predetermined incentive information corresponding to the number of customer card payments is stored in the storage medium 755. Then, when a payment approval request message is received from a predetermined card terminal 500, the customer card information included in the payment approval request message is checked and the card company server 300 corresponding to the confirmed customer card information is read. Sending a payment approval request history to request a payment approval, and when a payment approval response corresponding to the payment approval request is received from the card company server 300, the response to the confirmed customer card information Extract (or verify) high information (or code) from the storage medium 755 or check the customer card payment frequency to extract (or verify) incentive information (or code) corresponding to the card payment frequency. And transmit the extracted (or confirmed) advertisement (or incentive) information (or code) and the full payment approval response message to the card terminal 500 or include the advertisement (or incentive) information (or code). Advertisement data management system for constructing a full payment approval response, and transmits the advertisement (or incentive) information to the sales slip to be provided to the customer when the card terminal 500 is transmitted to the card terminal 500 As an implementation method for the configuration, those of ordinary skill in the art to which the present invention pertains, the card terminal in the server 350 with reference to and / or modifying the present Figure 7 When receiving the payment approval request message from the 500, the advertisement (or incentive) information stored in the storage medium 755 is extracted (or confirmed) from the storage medium 755 in response to the card information of the customer or the number of card payments. In addition, the present invention may infer various implementation methods for transmitting the extracted (or confirmed) advertisement (or incentive) information (or code) to the card terminal to print and output the predetermined area on the sales slip. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, the illustrated advertisement data management system processes advertisement information (or code) corresponding to customer propensity information in association with the customer card information, and stores the advertisement information (or code) in a predetermined storage medium 755, and the number of customer card payments. After the predetermined incentive information corresponding to the storage medium 755 is stored, and a payment approval request message is received from a predetermined card terminal 500, the customer card information included in the payment approval request message is checked, Request payment approval to the card company server 300 corresponding to the confirmed customer card information, and when a payment approval response corresponding to the payment approval request is received, the advertisement information (or code) corresponding to the customer card information is read. Extract (or confirm) from the storage medium 755 or check the number of payment of the customer card, and extract (or confirm) incentive information (or code) corresponding to the number of payment of the card. And a server 350 for transmitting the extracted (or confirmed) advertisement (or incentive) information (or code) to the card terminal 500, and the server 350 and a predetermined network (e.g., payment). Network), and when the payment approval request details are received from the server 350, check the customer card information included in the payment approval request details, and query the payment limit corresponding to the confirmed card information. After determining whether the customer card payment approval, the card company server 300 for transmitting the payment approval response including the determination details to the server 350 and the payment approval response message transmitted from the server 350 and the And a card terminal configured to receive advertisement (or incentive) information (or code) and print out the received advertisement (or incentive) information (or code) on the sales slip. The.

According to the exemplary embodiment of the present invention, the advertisement information stored in the storage medium 755 is a specific (field) advertisement selected (or input) by the card holder customer through the information registration system shown in FIG. Ads included in certain categories (or interests) selected by (or entered by) the cardholder, or ads corresponding to the cardholder information (e.g., ads of a certain age group, occupation, region, gender, etc.) And at least one or more).

The card terminal is provided at a predetermined affiliate store that transmits a payment approval request message to the server 350 when the customer requests payment processing using the card, and corresponds to the payment approval request message from the server 350. Upon receipt of the payment approval response message, if the advertisement information (or data) to be printed on the sales slip is further received or included in the payment approval response message, the received advertisement information (or data) is received from the sales slip. It is characterized in that to print and print in a predetermined area of the image.

According to an embodiment of the present invention, the server 350 transmits the advertisement information (or incentive information) provided from the card company server 300 to the card terminal according to the customer card information. It is preferable to transmit the message in the full text, but is not limited thereto.

More specifically, the server 350, at least one or more advertisement information (or code) that can be printed on a predetermined area on the sales slip and provided to the customer when the customer card payment, and the number of times the customer card payment (or exposure of the advertisement information) The storage unit for storing the incentive information (or code) that can be provided in a predetermined storage medium 755, and a payment pattern of a predetermined credit card customer, to determine the propensity information of the customer or The analysis unit receiving the propensity information of the customer from the propensity information providing server 350 and the advertisement information (or code) corresponding to the propensity information of the customer are extracted from the storage medium 755 to extract the extracted advertisement information. (Or a code) and the extractor for linking and processing the customer card information and stored in a predetermined storage medium 755, and when the customer requests the card payment, the customer can access the card; A confirmation unit for confirming the number of payments used, and a result of checking the number of payments for using the card, when the number of payments for using the card satisfies the number of payments for which the incentive information is provided, corresponding to the number of payments for using the customer card; When incentive information (or code) is extracted from the storage medium 755 or when the number of payments for using the card does not satisfy the number of payments for providing the incentive information, the advertisement information corresponding to the customer card information ( Or a code) for extracting from the storage medium 755.

In addition, the server 350 may be configured to further include a management unit for counting and storing the number of card payment when the card payment of the customer.

In addition, the server 350 reads the receiving unit for receiving the payment approval request message from the predetermined card terminal 500 and the received payment approval request message, and the card information and payment amount included in the payment approval request message. A processing unit for transmitting a payment approval response message including a reading unit for reading information, the extracted incentive information or advertisement information, and a payment approval response history received from the card company server 300 to the card terminal 500; It can be configured to include.

According to the exemplary embodiment of the present invention, although the functional components are illustrated as being provided in the server 350 in the drawing, this is merely to clarify the functions of the server 350, but is not limited thereto. .

For example, at least one or more functional components provided in the server 350 may be implemented as a server 350 (or means) for performing each function on the advertisement data management system or a predetermined server on the advertisement data management system. It can be provided to the 350.

The storage medium 755 may include advertisement information, incentive information, incentive policy information, payment frequency information, customer card information, customer propensity information, and the like. It is provided in the card company server 300, or in a predetermined storage medium 755 operating means in the advertising data management system is characterized in that it is provided.

Referring to FIG. 7, the storage medium 755 is connected to the server 350 side. However, this is only an example, and the storage medium 755 may interwork with the card company server 300. Can be.

In this case, the card company server 300 may be able to periodically update the information stored in the storage medium 755 without going through the server 350 (eg, advertisement information update, incentive information update, incentive). Policy information updates, customer information updates, etc.).

The storage unit stores at least one or more advertisement information in a predetermined storage medium 755, wherein the advertisement information is output from a card terminal during a payment process using a card issued by a predetermined card company. Characterized in that the advertisement information is set to be printed on the slip, for example, the advertisement information, if provided from the card company, may be configured to include at least one or more new product promotion, card company promotion, event promotion, announcements, specific phrases, and the like. have.

In addition, the storage unit stores incentive information (or code) that can be provided according to the number of payments of the customer card (or the number of advertisement information, etc.) in a predetermined storage medium 755, wherein the incentive information (or Code) and the number of customer card payments to provide the incentive information (or code) is preferably determined according to a predetermined incentive information provision policy, and the coupon information, gift certificate information, exchange ticket information, lottery information, lottery information, and gift certificate information. It may comprise at least one or more, or may include a specific site access information or authentication information that can be provided with the at least one or more incentives.

The analysis unit analyzes a payment pattern of a predetermined card payment customer to determine the propensity information of the customer, and the customer propensity information identified through the payment pattern analysis is provided to the customer when the card payment of the customer is performed. Provide a basis for selecting advertisement information (or code) to be performed.

According to the implementation method of the present invention, the analysis unit checks the customer card payment history for a specific period, to identify the merchants or merchants frequented by the customer, the region, the time zone where the customer frequently pays, card payment costs, etc. The customer's disposition is analyzed.

For example, if a customer purchases golf equipment with a card at a golf product sales merchant at least once, or pays for a golf practice fee with a card, the analysis unit may analyze that the customer's hobby (or interest) is golf. Accordingly, the customer can provide golf-related advertisement information (eg, membership information, discounts on golf supplies, etc.) or insurance product information for leisure or sports.

According to another exemplary embodiment of the present invention, the customer propensity information (eg, customer hobby or interest) is connected to the card company server 300 through a predetermined network, or is provided on the advertisement data management system. It may be provided from the propensity information providing server 350 (for example, the information registration server 100 or the card company server 300 shown in FIG. 1).

The extraction unit, when the propensity information of the customer is determined through the analysis unit, extracts the advertisement information (or code) corresponding to the identified customer propensity information from the storage medium 755, wherein the extracted Advertising information (or code) is stored in a predetermined storage medium 755 in association with the customer card information.

For example, when the extraction unit determines that golf is a hobby or interest by the analysis unit, golf-related advertisement information (for example, membership information, golf article discount information, etc.) from the storage medium 755 in which the advertisement information is stored. Or extract insurance product information (eg, travel insurance) for leisure or sports, and extract the golf-related advertisement information (eg membership information, golf article discount information, etc.) or leisure or sports. Insurance product information (eg, travel insurance) is stored in the storage medium 755 in association with the customer card information.

The confirmation unit, according to the customer's card payment request, the receiving unit receives the payment approval request message from the server 350, the reading unit reads the customer card information included in the received payment approval request message, In response to the read customer card information, the customer checks (or extracts) the number of times the customer uses the card from the storage medium 755 or transfers the number of payments corresponding to the card information from the management unit. It is characterized by receiving.

The determination unit may determine whether the number of payments of the card use of the customer confirmed through the confirmation unit corresponds to the number of payments of the incentive information provided in the storage medium 755.

For example, when the number of incentive information provisional payments stored in the storage medium 755 is not reached, the determination unit may determine to extract advertisement information (or code) corresponding to the customer card information from the storage medium 755. Can be.

According to another exemplary embodiment of the present invention, the determination unit may include advertisement information (or code) corresponding to the customer card information, even if the number of payments for using the card corresponds to the number of payments for providing incentive information stored in the storage medium 755. ) May be further extracted along with the incentive information.

According to another exemplary embodiment of the present invention, when the determination unit can confirm whether the incentive information of the customer is used, the incentive information provided by the customer even if the customer is provided with the predetermined incentive information for the previous card payment If it is confirmed that does not use, the incentive information may be to periodically provide the incentive information at the time of payment of the customer card until the customer uses the incentive information.

For example, when the incentive information provided by the customer is a point exchange ticket, and also for the point exchange, the predetermined authentication number described in the point exchange ticket is given to a predetermined web server 350 (eg, the card company server 300 or the card company). When a procedure for exchanging a predetermined point is required, such as accessing and inputting a server 350 connected to the server 300, etc.), the determination unit is required to pay the customer card until the use of the incentive information of the customer is confirmed. The incentive information may be repeatedly provided.

The receiving unit may receive at least one or more payment approval request messages from a card terminal 500 connected through a predetermined network (eg, a VAN, etc.), and transmit the received payment approval request messages to the reading unit.

The reading unit reads the payment approval request message received through the receiving unit, checks payment means information (eg, a card number, etc.) included in the payment approval request message, and confirms the confirmed payment means information as the information. Transfer to section 735 and professional transmission unit 710.

The transmission unit receives a payment approval response corresponding to the full payment approval request message from the card company server 300, and corresponds to incentive information (or code) or customer card information corresponding to the customer card payment frequency through the determination unit. When the advertisement information (or code) is extracted (or confirmed), the approval details and the advertisement (or incentive) information (or code) are transmitted to the card terminal 500 through the network.

Referring to FIG. 7, the illustrated card company server 300 receives a request for payment approval for the customer card payment from the server 350 through a predetermined payment network, and sets a payment limit corresponding to the customer card information. Inquiry, characterized in that for transmitting the payment approval response corresponding to the payment approval request to the server 350.

More specifically, FIG. 8 shows customer propensity information according to a payment pattern of a card payment customer at a server 350 (eg, a VAN company server) or a customer propensity registered through the information registration server 100 shown in FIG. 1. The advertisement information corresponding to the information is processed in association with the customer card information and stored in a predetermined storage medium 755, and the predetermined incentive information corresponding to the number of customer card payments is stored in the storage medium 755, and then When the payment approval request is received from the card terminal 500 of the, check the customer card information included in the payment approval request message, the payment approval request to the card company server 300 corresponding to the confirmed customer card information Request payment approval by transmitting the details, and when the payment approval response corresponding to the payment approval request is received from the card company server 300, the advertisement information corresponding to the confirmed customer card information is sent. Extracting (or confirming) from the storage medium 755 or checking the customer card payment frequency, extracting (or confirming) incentive information corresponding to the card payment frequency, and extracting (or confirming) the advertisement ( Or incentive) information and the payment approval response full text are transmitted to the card terminal 500 or a payment approval response text including the advertisement (or incentive) information is configured and transmitted to the card terminal 500. As a method for providing advertisement (or incentive) information for printing and outputting the advertisement (or incentive) information on the sales slip to be provided to the customer in the card terminal 500, which is common in the art. If the person skilled in the art, with reference to this figure 8 and / or modified to receive the payment approval request message from the card terminal 500 in the server 350, the storage medium ( The advertisement (or incentive) information stored in 755 is extracted (or confirmed) from the storage medium 755 in response to the card information or the number of card payments of the customer, and the extracted advertisement (or incentive) information. It will be able to infer various implementation methods for printing and outputting to the card terminal in a predetermined area on the sales slip, but the present invention includes all the implementation methods inferred, the implementation method shown in FIG. It is not limited to this.

Referring to FIG. 8, the illustrated embodiment shows a predetermined selection (or input) of a card holder customer through the information registration system shown in FIG. 1 in the server 350 on the advertisement data management system shown in FIG. Receives advertisement information corresponding to the advertisement application information (or advertisement related information, interest information, or hobbies) in a predetermined storage medium 755, or analyzes the customer tendency through the customer card payment pattern Thus, the process of storing the advertisement information corresponding to the analyzed customer disposition in the storage medium 755, and also the predetermined incentive information corresponding to the number of customer card payments in the storage medium 755 may be preceded. Thereafter, the server 350 stores the advertisement information and the customer card information corresponding to the customer tendency in a predetermined storage medium 755 (800).

Thereafter, when the payment request is made through the customer card 805, the server 350 receives the payment approval request message including the customer card information from the card terminal 500 connected through a predetermined network (eg, a VAN). In operation 810, the card information included in the message is checked by reading the received message.

When the server 350 requests a payment approval for payment of the customer card to the card company server 300 corresponding to the checked card information (815), the card company server 300 corresponds to the customer card information. Inquiry of the payment limit and the like to perform the approval process, and transmits the payment approval response details to the server 350 (820).

When the payment approval response details are transmitted from the card company server 300 (825), the server 350 checks the customer card payment count information corresponding to the storage medium 755 and the confirmed card information (830) In step 835, the number of confirmed customer card payments satisfies the incentive information available number.

Here, if the confirmed number of customer card payments satisfies the number of possible incentive information (840), the server 350 extracts (or confirms) incentive information corresponding to the number of customer card payments from the storage medium 755. On the other hand, if the confirmed customer card payment times do not satisfy the incentive information available times (840), the card company server 300 counts the customer card payment times and accumulates the The advertisement information corresponding to the customer card information is extracted (or confirmed) from the storage medium 755 (850).

When the incentive (or advertisement) information is extracted (or confirmed), the server 350 transmits the extracted (or confirmed) incentive (or advertisement) information and the full text of the payment approval response to the card terminal 500 or Or generating a payment approval response message including the incentive (or advertisement) information (855) and transmitting the generated payment approval response message to the card terminal 500 (860).

In this embodiment, the incentive information and the advertisement information are shown to be provided separately according to the number of payments of the customer card, but this is only one embodiment, and the incentive information and the advertisement information are simultaneously provided to the card terminal 500. It can be.

Thereafter, the card terminal reads the transmitted payment approval response message, confirms the incentive (or advertisement) information included in the payment approval response message, and prints the confirmed incentive (or advertisement) information on the sales slip. And output the result (865).

9 is an advertisement (or incentive) for providing a sales slip including predetermined advertisement (or incentive) information through the card terminal 500 shown in FIG. 5 when paying a customer card according to another exemplary embodiment of the present invention. ) Is a diagram illustrating a process of providing information.

In more detail, FIG. 9 is provided in a predetermined affiliate store, and stores a predetermined advertisement (or incentive information) and a predetermined code corresponding to the advertisement (or incentive) information printed on the sales slip when paying for the customer card. When the terminal 500 receives a predetermined code corresponding to the advertisement (or incentive) information from the server 350 on the advertisement data management system shown in FIG. 7, the advertisement (or incentive) information corresponding to the received code is received. As an implementation method for the configuration of the card terminal 500 for confirming (or extracting) from the memory unit and printing and outputting the extracted (or confirmed) advertisement (or incentive) information on the sales slip, Those skilled in the art may refer to and / or modify the drawing of FIG. 9 to request a card payment from a certain customer in the card terminal. Although it is possible to infer various implementation methods of extracting (or confirming) advertisement (or incentive) information corresponding to a predetermined code received from the server 350 and outputting it on the sales slip. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, in the illustrated embodiment, after predetermined advertisement information and incentive information are stored in association with respective codes corresponding to the codes in the memory of the card terminal 500 shown in FIG. 5, 900, In the card company server 300 on the advertisement data management system shown in FIG. 3, predetermined advertisement application information (or advertisement related information, selected by the card holder customer through the information registration system shown in FIG. 1), Or receiving advertisement information (code) corresponding to interest information or hobbies, etc., and storing the advertisement information (code) in a predetermined storage medium 755 or analyzing a customer tendency through a customer card payment pattern, Storing in the storage medium 755 in association with the corresponding advertisement information (code), and storing predetermined incentive information (code) corresponding to the number of payments of the customer card in the storage medium 755. After issued, it can be initiated from the process of saving the advertisement information (code) and the customer card information corresponding to the customer from the card company server inclination 300 in a storage medium 755 (905).

Thereafter, when the payment request is made through the customer card 910, the server 350 receives the payment approval request message including the customer card information from the card terminal 500 connected through a predetermined network (eg, a VAN). In operation 915, the card information included in the message is read by reading the received message.

In addition, when the server 350 requests payment approval for the customer card payment from the card company server 300 corresponding to the confirmed card information (920), the card company server 300 corresponds to the customer card information. Inquiry of the payment limit and the like to perform the approval process, and transmits the payment approval response details to the server 350 (925).

When the payment approval response details are transmitted from the card company server 300, the server 350 checks the customer card payment count information corresponding to the storage medium 755 and the confirmed card information (930). It is determined whether the number of confirmed customer card payments satisfies the possible number of incentive information (935).

Here, if the confirmed number of customer card payments satisfies the number of possible incentive information (940), the server 350 extracts (or confirms) incentive information corresponding to the number of customer card payments from the storage medium 755. On the other hand, if the confirmed customer card payment times do not satisfy the incentive information available times (940), the card company server 300 counts the customer card payment times and accumulates, The advertisement information corresponding to the customer card information is extracted (or confirmed) from the storage medium 755 (950).

When the incentive (or advertisement) information is extracted (or confirmed), the server 350 transmits the extracted (or confirmed) incentive (or advertisement) information and the full text of the payment approval response to the card terminal 500 or Or generate a payment approval response message including the incentive (or advertisement) information (955) and transmit the generated payment approval response message to the card terminal 500 (960).

Then, the card terminal reads the transmitted payment approval response message to confirm the incentive (or advertisement) code included in the payment approval response message (965), and corresponds to the confirmed incentive (or advertisement) code. The extracted incentive (or advertisement) information is extracted (or confirmed) from the memory unit (970), and the extracted (or confirmed) incentive (or advertisement) information is printed and printed on the sales slip (975).

FIG. 10 is a diagram illustrating a configuration of an advertisement data operating system for providing a sales slip including predetermined advertisement (or incentive) information when paying for a customer card according to another exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a process in which a server 350 (for example, a VAN company server, etc.) associates advertisement information provided from a specific card company with predetermined affiliate store information for providing the advertisement information to a predetermined storage medium 1050. When the payment approval request message is received from a predetermined merchant card terminal 500, the payment approval request message is read, and the merchant information and customer card information that transmits the payment approval request message are checked and the storage medium is stored. If the specific card company advertisement information associated with the confirmed affiliated store information is present at 1050, if the customer card information is a card issued by the specific card company, the customer card information is a card issued by the specific card company. And extracting (or confirming) the specific card company advertisement information from the storage medium 1050 to request the extracted advertisement information and the payment approval request. When the corresponding payment approval response message is transmitted to the affiliated card terminal 500, the affiliated card terminal 500 prints the advertisement information on the sales slip to be provided to the customer and outputs the advertisement data management system configuration. As an implementation method, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 10 so that the server 350 provides the specific card company advertisement information to a customer through a predetermined affiliate store. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 10, the illustrated advertisement data management system associates advertisement information provided from a specific card company with predetermined affiliate store information to provide the advertisement information, and stores the same in the predetermined storage medium 1050 and stores the predetermined affiliate store. When the payment approval request message is received from the card terminal 500, the payment approval request message is read, and the merchant information and the customer card information which transmits the payment approval request message are checked, and the storage medium 1050 checks the confirmation. If there is a specific card company advertising information associated with the affiliated merchant information, if the customer card information is a card issued by the specific card company, if the customer card information is a card issued by the specific card company, the specific card company advertising information Extracts (or confirms) from the storage medium 1050 to correspond to the extracted (or confirmed) advertisement information and the payment approval request. The server 350 transmits a payment approval response message to the affiliated card terminal 500, and is connected to the server 350 through a predetermined network (eg, a payment network). The payment is received from the server 350. When the request for approval is received, the customer card information included in the payment approval request details is checked, and the payment limit corresponding to the checked card information is queried to determine whether to approve the payment of the customer card. From the card company server 300 and the server 350 for transmitting a payment approval response including a to the server 350, and also provides predetermined advertising information to the server 350 (or storage medium 1050) And a merchant card terminal configured to receive the payment approval response message and the advertisement information of the specific card company, and to print and output the received advertisement information on the sales slip. do.

According to the exemplary embodiment of the present invention, the advertisement information stored in the storage medium 1050 is advertisement information provided from the specific card company, and the information registration server 100 shown in FIG. A specific (field) advertisement selected (or input) by the cardholder customer through a server 350 that interworks with the card company server 300, or a predetermined category (or input) selected by the cardholder customer (or Or advertisements corresponding to the cardholder customer information (eg, specific age groups / occupational / regional / gender advertisements) or the like.

In addition, the advertisement information is generated in response to the customer tendency information according to the payment pattern of the card payment customer from the card company server 300, or is provided from a predetermined server 350 that provides the customer tendency information. For example, the customer payment pattern is due to the payment frequency and may be configured to include payment merchant location information, payment merchant location information, payment time zone information, payment merchant business information.

According to an embodiment of the present invention, the storage medium 1050 may be configured to further include predetermined incentive information, and the server 350 may provide advertisement information provided by the specific card company to a merchant paying by the customer. If the customer card is a predetermined merchant to be provided, and the customer card is a card issued by the card company that provided the advertisement information, the merchant counts the number of payments made by the card issued by the card company, and provides a predetermined incentive to the corresponding settlement customer. It is characterized by providing information.

The card terminal is provided in a predetermined affiliate store that receives an advertisement provided by the specific card company, and when the customer requests a payment processing using the card, transmits a payment approval request message to the server 350 to the predetermined affiliate store. When the payment approval response message corresponding to the payment approval request message is received from the server 350, advertisement (or incentive) information to be printed on the sales slip is further received, or the advertisement (or incentive) information is received. In the case of being included in the payment approval response message, the received advertisement (or incentive) information may be printed and output on a predetermined area on the sales slip.

More specifically, the server 350 is printed on a predetermined area on the sales slip when paying for the customer card and provided to the customer according to at least one or more advertisement information and the number of payment of the customer card (or the number of times the advertisement information is exposed). The storage unit 1045 stores the stored incentive information (or code) in association with predetermined merchant information and stores the predetermined storage medium 1050, and the payment approval request message transmitted from the predetermined merchant card terminal 500. Receiving unit (1005) for receiving the payment, the payment approval request full text, the reading unit 1015 for confirming the merchant information and customer card information that sent the payment approval request full text and the storage medium (1050) If there is a specific card company advertising information associated with the confirmed merchant information, there is a confirmation unit 1030 to determine whether the customer card information issued by the specific card company, and the customer When the card information is a card issued by the specific card company, the extraction unit 1040 for extracting (or confirming) the specific card company advertisement information from the storage medium 1050, the extracted (or confirmed) advertisement information and the The processor 1010 for transmitting the payment approval response message corresponding to the payment approval request to the affiliated card terminal 500 and the card company server 300 to request the payment approval and receive an approval response thereto. It may be configured to include).

In addition, the server 350 may be configured to further include a management unit 1025 for counting and storing the number of card payments when a particular card payment of a customer at the particular affiliated store.

The storage medium 1050 includes advertisement information, incentive information, incentive policy information, payment frequency information, customer card information, customer propensity information, and the like, which are provided in the server 350 or the card company. It may be provided in the server 300, or in a predetermined storage medium 1050 operating means in the advertising data management system.

Referring to FIG. 10, although the storage medium 1050 is connected to the server 350 side, this is only an example, and the storage medium 1050 may interwork with the card company server 300. Can be.

In this case, the card company server 300 may be able to periodically update the information stored in the storage medium 1050 without going through the server 350 (eg, advertisement information update, incentive information update, incentive). Policy information update, etc.).

The storage unit 1045 may be provided in the card company server 300, and associates the advertisement information provided from a specific card company server 300 with predetermined affiliate store information to provide the advertisement information to the storage medium. And the advertisement information is advertisement information set to be printed on the sales slip output from the card terminal during the payment processing using a card issued by a predetermined card company. When the advertisement information is provided from a card company, the advertisement information may include at least one new product promotion, card company promotion, event promotion, announcement, specific phrases, and the like.

In addition, the storage unit 1045 stores incentive information that can be provided in the storage medium 1050 according to the number of payments (or the number of exposures of the advertisement information, etc.) of the card issued by the specific card company in the specific affiliate store. In this case, the incentive information and the number of customer card payment to provide the incentive information is preferably determined according to a predetermined incentive information provision policy, the coupon information, gift certificate information, exchange ticket information, lottery information, lottery information, It may include at least one prize information, or may include specific site access information or authentication information that may be provided with the at least one incentive.

According to another exemplary embodiment of the present invention, the incentive information may be provided to the card settlement customer in proportion to the number of payments made by the customer card (for example, the larger the number of payments, the greater the incentive provided). The number of payments made by the customer card may be accumulated or recounted according to acquisition of incentive information of the customer.

The receiving unit 1005 receives the payment approval request message transmitted from a predetermined merchant card terminal 500 and transmits the received payment approval request message to the reading unit 1015.

When the payment unit 1015 receives the payment approval request message received through the receiving unit 1005, the read payment approval request message is read, and the merchant information and customer card information that transmits the payment approval request message. Checks the payment amount information and transmits the merchant information and the card information to the verification unit 1030.

When the affiliated store information and the card information confirmed through the reader 1015 are transferred, the identification unit 1030 checks whether the specific card company advertisement information associated with the confirmed affiliated store information exists in the storage medium 1050. Check and check whether the customer card information is a card issued by the specific card company.

The extraction unit 1040, through the confirmation unit 1030, the specific card company advertising information and the customer card information associated with the confirmed merchant information to the storage medium 1050 is confirmed as a card issued by the specific card company When the specific card company advertising information is extracted (or confirmed) from the storage medium 1050.

The extraction unit 1040 is characterized in that for transmitting the advertising approval information and the payment approval response text corresponding to the payment approval request to the merchant card terminal (500).

The management unit 1025, and counting and storing the number of card payments of the customer each time the payment of the card issued by the specific card company in a particular affiliate store provided with the advertising information provided by the specific card company, the management unit In operation 1025, when predetermined incentive information corresponding to the number of payments of the customer card is provided, the settlement number count may be initialized or the settlement number may be accumulated and stored even after the incentive information is provided.

Referring to FIG. 10, the illustrated card company server 300 receives a request for payment approval for the customer card payment from the server 350 through a predetermined payment network, and sets a payment limit corresponding to the customer card information. Inquiry, the payment approval response corresponding to the payment approval request is transmitted to the server 350, and the advertisement information to be provided to a customer who pays at a specific merchant is transmitted to the server 350, or the storage medium 1050. ) Stores the advertisement information and the specific affiliate information in association with each other.

More specifically, FIG. 11 illustrates a process of linking advertisement information provided from a specific card company and predetermined merchant information to provide the advertisement information in a server 350 (eg, a VAN company server) to a predetermined storage medium 1050. When the payment approval request message is received from a predetermined merchant card terminal 500, the payment approval request message is read, and the merchant information and customer card information that transmits the payment approval request message are checked and the storage medium is stored. If the specific card company advertisement information associated with the confirmed affiliated store information is present at 1050, if the customer card information is a card issued by the specific card company, the customer card information is a card issued by the specific card company. And extracting (or confirming) the specific card company advertisement information from the storage medium 1050 to the extracted advertisement information and the payment approval request. When the corresponding payment approval response message is transmitted to the merchant card terminal 500, the merchant card terminal 500 provides advertisement (or incentive) information to print and output the advertisement information on the sales slip to be provided to the customer. As an implementation method for a method, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 11 to send the specific card company advertisement information to the customer through a predetermined affiliate store in the server 350. Various implementation methods to provide may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, the illustrated embodiment is a server 350 on the advertisement data management system shown in FIG. 10, and includes an information registration server 100 (e.g., provided in a card company or a card company) shown in FIG. Through the interlocking server 350, etc.), advertisement information corresponding to predetermined advertisement application information (or advertisement related information, interest information, hobby, etc.) selected or input by the card holder customer is provided or specified. Receiving predetermined advertisement information from a card company can be started from the process of storing in a predetermined storage medium 1050 by processing in association with the merchant information to provide the advertisement information (1100).

In addition, according to another embodiment of the present invention, the present embodiment, in the card company server 300 on the advertisement data management system shown in Figure 10, the information registration server 100 shown in Figure 1 (for example, card company) Advertisement corresponding to predetermined advertisement application information (or advertisement related information, interest information, or hobby, etc.) selected by the card holder customer through the server 350 or the like interoperating with the card company) It may be started from the process of receiving the information or the predetermined advertisement information provided by the card company in association with the predetermined merchant information stored in the predetermined storage medium 1050.

Then, when the payment request through the customer card (1105), the server 350 is a payment approval request message including the customer card information from the card terminal 500 connected to a predetermined network (for example, VAN, etc.) Receives, reads the received message to confirm the card information included in the message and the merchant information that sent the payment approval request message (1110).

Then, the server 350 requests a payment approval for the customer card payment from the card company server 300 corresponding to the checked card information (1115), and the payment approval response details from the card company server 300. Receive (1120).

Then, the server 350 interoperates with the storage medium 1050 (or the storage medium 1050 operating means), and checks whether the affiliate store that transmits the full payment approval request message is an affiliate store that is processed in association with the specific card company advertisement information ( 1125, if the affiliate store is affiliated with the specific card company advertisement information (1130), it is checked whether the customer card is a card issued by the specific card company (1135).

Here, when the customer card is a card issued by the specific card company (1140), the server 350 extracts (or confirms) the specific card company advertisement information from the storage medium 1050 (1145).

According to another exemplary embodiment of the present invention, in the process of extracting (or confirming) the specific card company advertisement information, the server 350 further checks the specific card payment number information at the affiliate store from the storage medium 1050. In addition, if predetermined incentive information corresponding to the confirmed number of payment information is present in the storage medium 1050, the incentive information may be further extracted (or confirmed) from the storage medium 1050.

On the other hand, if the merchant that transmitted the payment approval request text is not an affiliated store affiliated with the specific card company advertisement information or the customer card is not a card issued by the specific card company, the server 350 advertises the information. By omitting the extraction (or confirmation) process of the payment approval response to configure the full text message transmitted to the card terminal (1165), the card terminal 500 outputs a sales slip including payment approval details (1170).

Meanwhile, when the server 350 extracts (or confirms) the specific card company advertisement information from the storage medium 1050, the server 350 provides the confirmed (or extracted) advertisement information and the payment approval response message. The merchant card terminal 500 transmits to the merchant card terminal 500, or generates a payment approval request message including the advertisement information (1150) and transmits it to the merchant card terminal 500 (1155).

At this time, if incentive information to be provided to the card payment customer is further extracted (or confirmed) from the storage medium 1050, the server 350 may further transmit the incentive information to the affiliated card terminal 500. .

Thereafter, the card terminal reads the transmitted payment approval response message, checks the advertisement information included in the payment approval response message, and prints and prints the confirmed advertisement information on the sales slip (1160).

More specifically, the advertisement data management system shown in FIG. 12 includes a storage medium for storing data corresponding to a specific card usage count at a specific affiliate store, information checking means for confirming the specific card usage count at the affiliate store; And data processing means for providing data corresponding to the specific card usage count to an affiliated store terminal when the identified specific card usage count corresponds to the specific card usage count stored in the storage medium in association with the storage medium. Characterized in that made.

Here, the information checking means, characterized in that provided in the card company server or the VAN company server.

The data processing means may be provided in the card company server or in the VAN company server.

FIG. 13 is a diagram illustrating a system configuration for providing a sales slip including advertisement information corresponding to a customer's payment approval request according to another exemplary embodiment of the present invention.

In more detail, FIG. 13 illustrates that the VAN company server 1300 classifies and stores predetermined advertisement information (or data) to be provided to the card payment approval request customer received from the at least one card company server 1340, and stores the classified advertisement information. When the payment approval request message transmitted from the predetermined card terminal is received, the advertisement information corresponding to the payment means information included in the payment approval request message in the process of performing the approval process for the received payment approval request message (or Data) is extracted (or confirmed) from the storage medium 1330, and the extracted (or confirmed) advertisement information (or data) and a payment approval response message corresponding to the payment approval request message are transmitted to the card terminal. As a method of implementing a payment processing system for outputting, the person skilled in the art to which the present invention belongs, A storage medium 1330 provided in the VAN company server 1300 or interworking with the VAN company server 1300 when the VAN company server 1300 receives a payment approval request message, by referring to FIG. 13 and / or modified. Various implementation methods for transmitting and outputting advertisement information (or data) stored in the card terminal may be inferred, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 13, the illustrated payment processing system may provide at least one or more advertisement information (or data) to be provided to the VAN company server 1300 to be provided when a payment processing request using the card of the card holder customer is performed. The card company server 1340 and the advertisement information (or data) provided from the at least one card company server 1340 is classified and stored for each card company, and upon receiving a payment approval request message from a predetermined card terminal, the payment approval request message Check the payment means information included in the information, and extract (or confirm) the advertisement information (or data) corresponding to the confirmed payment means information from the storage medium 1330, and the confirmed advertisement information (or data) and The VAN company server 1300 and the VAN for transmitting a payment approval response message corresponding to the payment approval request message to the corresponding card terminal that transmitted the payment approval request message. And a card terminal configured to receive the payment approval response message and the advertisement information (or data) transmitted from the company server 1300, and to print and output the received advertisement information (or data) on the sales slip. It is done.

According to the exemplary embodiment of the present invention, the advertisement information (or data) stored in the storage medium 1330 is selected (or input) advertisement by the card holder customer or the card holder through the information registration system shown in FIG. Ads included in a certain category (or interest) selected by the customer (or input), or advertisements corresponding to the cardholder customer information (for example, advertisements for a specific age group / occupation / regional / sex, etc.) Characterized in that it comprises at least one or more.

In addition, according to another embodiment of the present invention, the advertisement information (or data) stored in the storage medium 1330 is to be printed on the sales slip output from the card terminal when the payment process using the card issued by the card company. Set advertisement information (or data) (eg, at least one or more including new product promotion, card company promotion, event promotion, announcements, specific phrases, etc.).

The card terminal is provided at a predetermined affiliate store that transmits a full payment approval request message to the VAN company server 1300 when the customer requests a payment processing using the card, and the payment approval request from the VAN company server 1300. When receiving a payment approval response message corresponding to a full text, advertisement information (or data) to be printed on the sales slip is further received, or when received and included in the payment approval response text, the received advertisement information (or data). It is characterized in that to print and output in a predetermined area on the sales slip.

The card company server 1340 issuing a payment means (for example, a card, etc.) possessed by the customer, and upon request for payment processing using the payment means, determines whether the payment means is approved, and implements the present invention. According to the method, the card registration customer selects (or inputs) an advertisement (or data) or a predetermined category (or interest) selected or inputs by the card holder customer through the information registration system shown in FIG. The VAN company server 1300 includes advertisements (or data) or advertisements (or data) corresponding to the cardholder customer information (for example, advertisements according to specific age groups / occupations / regions / genders). It is provided, characterized in that to be stored in a predetermined storage medium 1330 provided in the VAN company server 1300 or in conjunction with the VAN company server 1300.

In addition, according to another embodiment of the present invention, the card company server 1340, advertisement information (or data) set to be printed on the sales slip output from the card terminal when the payment process using the card issued by the card company (for example, , New product promotion, card company promotion, event promotion, announcement, including at least one or more specific phrases) to the VAN company server 1300, provided in the VAN company server 1300 or the VAN company server It is characterized in that to be stored in the predetermined storage medium 1330 in conjunction with (1300).

In more detail, the VAN company server 1300 may include an information storage unit for classifying advertisement information (or data) provided from at least one card company server 1340 for each card company and storing the classified advertisement information (or data) in a predetermined storage medium 1330 ( 1325, a specialized receiving unit 1305 for receiving a payment approval request text from a card terminal provided in at least one or more affiliate stores through a predetermined merchant side payment network (eg, a VAN), and included in the received payment approval request message. The payment means information and the information confirmation unit for confirming the card company information corresponding to the payment means information, and transmits the payment approval request message to the card company server (1340) corresponding to the confirmed payment means information to the approval request The professional processing unit for requesting and receiving a response thereto, and when the approval details of the approval request are received from the card company server 1340, the confirmed car And an information extractor 1310 for extracting (or verifying) advertisement information (or data) corresponding to company information (or payment method information) from the storage medium 1330, and the extracted advertisement information (or data). It characterized in that it comprises a specialized transmission unit 1310 for generating a payment approval response message to be transmitted to the card terminal for transmitting the payment approval request message.

The specialized receiving unit 1305 receives at least one full payment approval request message from a card terminal provided in at least one merchant connected through the merchant side payment network (eg, a VAN), and receives the received payment approval request message. Characterized in that the transfer to the information verification unit.

The information confirming unit reads the payment approval request message received through the specialized receiving unit 1305, checks the payment means information (for example, the card number, etc.) included in the payment approval request message, and confirms the confirmed payment means. Check the card company information corresponding to the information, and transmits the confirmed card company information to the specialized processor 1320.

The professional processing unit 1320 transmits the payment approval request message to the confirmed card company server 1340 when the payment means information and the corresponding card company information included in the payment approval request message are confirmed through the information checking unit. To make an approval request and receive a response to the approval request.

The information extracting unit 1310, if the approval for the use request for the payment means is successfully processed through the specialized processing unit 1320, the advertisement information (or data) corresponding to the payment means is stored in the storage medium ( 1330 and extracting the advertisement information (or data) from the storage medium 1330 when the advertisement information (or data) corresponding to the payment method exists in the storage medium 1330. It features.

The information extracting unit 1310 may include advertisement information (or data) corresponding to the card company information when the advertisement information (or data) corresponding to the card company information that issued the payment means is present in the storage medium 1330. Data) from the storage medium 1330.

According to an embodiment of the present invention, the advertisement information (or data) may be selected (or input) by the card holder customer or selected (or input) by the card holder customer through the information registration system shown in FIG. ) An advertisement included in a predetermined category (or interest), or at least one advertisement corresponding to the cardholder customer information (eg, a specific age group / occupation / regional / gender advertisement). It is characterized by made.

In this case, the customer payment method information is included in the advertisement (or data) included in the predetermined (or input) advertisement (or data) selected by the customer or the predetermined category (or interest) selected (or input) by the card holder customer. Or the advertisement (or data) corresponding to the cardholder customer information (eg, a specific age group / occupation / region / gender advertisement) and the like, and are stored in the storage medium 1330.

According to another exemplary embodiment of the present invention, when there is no process of selecting (or inputting) a specific advertisement (or field of interest) of the card holder customer, the information extracting unit 1310 uses the card issued by the card company for payment processing. In the storage medium 1330, advertisement information (or data) set to be printed on the sales slip output from the card terminal (eg, at least one or more of new product promotion, card company promotion, event promotion, announcement, and specific phrase) is included. Extract from (or confirm).

The professional transmission unit 1310 successfully approves the payment approval request message through the professional processing unit 1320, and corresponds to the payment means information (or card company information) through the information extraction unit 1310. When the advertisement information (or data) is extracted (or confirmed), the payment approval response message including the approval details and the advertisement information (or data) through the merchant-side payment network (eg, VAN, etc.) the card Characterized in that the transmission to the terminal.

According to an embodiment of the present invention, the VAN company server 1300 includes the advertisement information (or data) extracted from the storage medium 1330 to the card terminal in the payment approval response message. It is preferable to transmit, but is not limited thereto.

According to another exemplary embodiment of the present invention, the specialized transmission unit 1310 receives the approval details for the payment approval request message through the professional processing unit 1320, and at the card company through the information extraction unit 1310. At the time of payment processing using the issued card, the advertisement information (or data) set to be printed on the sales slip output from the card terminal (for example, new product promotion, card company promotion, event promotion, announcement, specific phrases, etc. ) Is extracted (or confirmed), and transmits the payment approval response message including the approval details and the advertisement information (or data) to the card terminal through the merchant network.

Thereafter, the card terminal outputs the approval details and the advertisement information (or data) included in the payment approval response message transmitted from the VAN company server 1300 to a predetermined sales slip.

FIG. 14 is a diagram illustrating a process of providing predetermined advertisement information (or data) according to a payment approval request message received by a VAN company server 1300 according to an exemplary embodiment of the present invention.

More specifically, FIG. 14 shows predetermined advertisement application information (or advertisement related information or interest information, etc.) selected by the card holder customer through the information registration system shown in FIG. A predetermined storage medium 1330 that receives means information (eg, a card number, etc.) from at least one card company server 1340 and is provided in the VAN company server 1300 or interlocked with the VAN company server 1300. After storing in the payment approval request message transmitted from a predetermined card terminal, when receiving the approval process for the received payment approval request message corresponding to the payment means information included in the payment approval request message Advertising information (or data) is extracted (or confirmed) from the storage medium 1330 to correspond to the extracted (or confirmed) advertisement information (or data) and the payment approval request message. As a method for transmitting a payment approval response message to the card terminal and outputting the same, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the VAN company server 1300 by referring to and / or modifying the drawing 14. At the time of receiving a payment approval request message, the advertisement information (or data) corresponding to the payment means information provided in the VAN company server 1300 or stored in the storage medium 1330 interoperating with the VAN company server 1300. It will be able to infer various implementation methods for transmitting and outputting to the card terminal, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 14, the illustrated embodiment receives the predetermined payment means information and corresponding advertisement information (or data) from at least one card company server 1340 at the VAN company server 1300 (1400). The advertisement information (or data) received from the at least one card company server 1340 may be classified into respective card companies and stored in a predetermined storage medium 1330 (1405).

Subsequently, when a payment approval request message is received from a predetermined card terminal (1410), the VAN company server 1300 reads the payment approval request message received from the card terminal (1415), and receives the received payment approval request message. Check the payment method information included in (1420).

In addition, the VAN company server 1300 checks whether the advertisement information (or data) corresponding to the confirmed payment means information exists in the storage medium 1330 in association with the storage medium 1330 (1425). If there is advertisement information (or data) corresponding to the payment means information in the storage medium 1330 (1430), the VAN company server 1300 stores the advertisement information (or data) corresponding to the payment means information. Extracted from medium 1330 (1435).

Thereafter, the VAN company server 1300 generates a payment approval response message including advertisement information (or data) extracted from the storage medium 1330 (1440), and generates the payment approval response message in the card. When transmitting to the terminal (1445), the card terminal prints out the slip containing the transmitted advertisement information (or data) (1450).

FIG. 15 is a diagram illustrating a process of providing predetermined advertisement information (or data) according to a payment approval request message received by a VAN company server 1300 according to another exemplary embodiment of the present invention.

More specifically, Figure 15 shows the advertisement information (or data) set to be printed on the sales slip output from the card terminal when payment processing using the card issued by the card company (for example, new product promotion, card company promotion, event promotion, A predetermined storage medium provided with at least one card company server 1340 and provided to the VAN company server 1300 or interworking with the VAN company server 1300. If the payment approval request message transmitted from the predetermined card terminal is received after storing in 1330, the payment means information included in the payment approval request message in the process of performing an approval process for the received payment approval request message. Check the card company information corresponding to the information and extract the advertisement information (or data) corresponding to the confirmed card company information from the storage medium 1330 (or As an implementation method for transmitting the payment approval response message corresponding to the extracted (or confirmed) the advertisement information (or data) and the payment approval request message to the card terminal to be outputted, If the person skilled in the art, with reference to and / or modifying the Figure 15, the VAN company server (1300) upon receipt of the full payment approval request, the VAN company server (1300) or the VAN company server Various implementation methods for transmitting and outputting advertisement information (or data) corresponding to the payment means information stored in the storage medium 1330 linked with the operation 1300 may be inferred. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 15, the illustrated embodiment receives 1500 predetermined payment means information and corresponding advertisement information (or data) from at least one card company server 1340 at a VAN company server 1300, The advertisement information (or data) received from the at least one card company server 1340 may be classified into respective card companies and stored in a predetermined storage medium 1330 (1505).

Subsequently, when a payment approval request message is received from a predetermined card terminal (1510), the VAN company server 1300 reads the payment approval request message received from the card terminal (1515), and receives the received payment approval request message. The payment means information included in the card company information corresponding to the payment means information is checked (1520).

The VAN company server 1300 interoperates with the storage medium 1330 to determine whether advertisement information (or data) corresponding to the checked card company information exists in the storage medium 1330 (1525). If advertisement information (or data) corresponding to the card company information exists in the storage medium 1330 (1530), the advertisement information (or data) corresponding to the card company information is extracted from the storage medium 1330 ( 1535).

In addition, the VAN company server 1300 generates a payment approval response message including advertisement information (or data) extracted from the storage medium 1330 (1540), and generates the payment approval response message for the card terminal. In step 1545, the card terminal prints out a slip including the advertisement information (or data) (1550).

By providing a method of providing advertisement (or incentive) information according to the present invention, VAN company and card company (financial company) has the advantage that can provide various and differentiated advertising information by collaborating based on the existing infrastructure.

In addition, due to the use of the existing infrastructure and alliances between operators, there is an advantage that can be cheaper than the cost of the existing advertising costs.

Claims

Storing advertisement data (or code) corresponding to the customer information in a predetermined customer information management server in association with the customer card information in a predetermined storage medium;

Transmitting a customer card information included in the received payment approval request message to the customer information management server when a predetermined payment approval request message is received from the VAN company server at the card company server;

The customer information management server checks the pre-stored advertisement data (or code) in association with the card information matched with the customer card information transmitted from the card company server in association with the storage medium, and the confirmed advertisement data (or code Transmitting) to the card company server; And

And transmitting, from the card company server, advertisement data (or code) transmitted from the customer information management server and a payment approval response message corresponding to the payment approval request message to the VAN company server. How to operate.

The method of claim 1,

Receiving a payment approval response message and advertisement data from the card company server at the VAN company server, and then transmitting the received payment approval response message and advertisement data to the affiliated store terminal; And

Advertising data management method comprising the; further comprising the step of outputting the advertisement data on the sales slip in the merchant terminal.

The method of claim 1,

After receiving, at the VAN company server, a payment approval response message and an advertisement code from the card company server, extracting (or confirming) advertisement data corresponding to the received advertisement code from a predetermined database;

Transmitting the received payment approval response message and the extracted (or confirmed) advertisement data to an affiliated store terminal; And

The method of claim 1,

Receiving, by the VAN company server, a payment approval response message and an advertisement code from the card company server, and transmitting the received payment approval response message and an advertisement code to the affiliated store terminal;

Extracting, at the merchant terminal, advertisement data corresponding to the received advertisement code from a predetermined memory; And

And including the extracted advertisement data on the sales slip at the affiliated store terminal and outputting the extracted advertisement data.

The method according to claim 3 or 4,

And synchronizing the database or the memory with a storage medium storing advertisement data (or code) corresponding to the customer information.

A computer-readable recording medium having recorded thereon a program for realizing the method of any one of claims 1 to 4.

A storage medium for storing advertisement data (or code) by card company;

When a predetermined payment approval request text is received, the customer card information included in the received payment approval request text is read, card company advertisement data (or code) corresponding to the read card information is extracted, and the payment approval request And a server for transmitting the payment approval response message corresponding to the full text and the extracted advertisement data (or code) to the affiliated store terminal.

A storage medium storing data corresponding to a specific card usage count at a specific affiliate store;

Information checking means for checking the number of times of using the specific card at the affiliated store; And

And data processing means for providing, to the affiliated store terminal, data corresponding to the specific card usage frequency when the identified specific card usage frequency matches the specific card usage frequency stored in the storage medium in association with the storage medium. Advertising data management system, characterized in that made by.

The method of claim 8, wherein the data,

Advertising data management system comprising at least one of coupon data, gift certificate data, exchange ticket data, lottery data, lottery data, sweepstakes data, advertising data.