KR20100044768A - Marketing method through credit card payment information of customer and social network of customers - Google Patents

Abstract

PURPOSE: A moccasin telegraph marketing through credit card information of a customer and individual relation between customers is provided to make credit card payment in the same member shop, thereby enabling the member shop to pay a fixed promotion reward for the payment to a customer who prepays. CONSTITUTION: Member shop terminals perform credit card payment. A credit card company server comprises the following units. A credit card customer information DB stores personal information of customers. A credit card payment information DB stores payment information. An internet portal service company server comprises the following units. A member information database stores personal information of the members. An online friend relationship DB stores online friend relationship information.

Description

Marketing method through credit card payment information of customer and social network of customers through personal exchange relationship between customer credit card payment information and online customer

The present invention relates to a word-of-mouth marketing system and a method thereof, and more particularly, to grasp online correlations between credit card payment information and credit card users, and to prepay predetermined credits for credit card payments generated through merchants. The present invention relates to a word-of-mouth marketing method through a personal exchange relationship between a customer's credit card payment information provided to a user and an online customer.

In general, businesses that have been signed by headquarters and franchisees through individual businesses or franchising contracts may use various media to promote their business, such as toilet paper, simple debts, stickers, candy, lighters, book holders, calendars, stationery and pamphlets. The company offers a variety of services, including free discounts to customers through various media, and membership cards provided by the merchant itself, such as discount benefits and gratitude events.

As such, individual businesses are frequently performing repeated publicity campaigns at regular intervals by selectively or individually employing various public relations activities for the purpose of achieving their economic benefits.

However, the effect of such a means of promotion is not only to induce a brief attention, but also does not extend to the main cause of sustained interest or forming a repeat business relationship.

In addition, the customer information for promotional activities is limited, so the promotional activities for customers at the merchant stage are limited.

Accordingly, considering the time or other expenses required for the promotion of merchants, such a one-off business-oriented public relations method is not an economically useful means.

To overcome this, merchants may use a method of promoting their business through various credit card companies with customer information.

In other words, by signing a contract with card companies and merchants who wish to promote their businesses, the card company members are given a certain discount when paying for goods or services, or a certain amount of money if they continue to use certain companies. Alternatively, if you earn points and exceed a certain amount or points, you can create a profit between the two parties by not only increasing the sales of the affiliated store but also encouraging the card company to use its own card. do.

However, there is a limit that the campaign of the public relations activity through the card company does not play a role as a regular public relations means because the card company randomly provides each member.

That is, discounts, points, and private banks, etc., of specific merchants provided to their members by the card company are not specifically applied to the regional information, sales information, store type information, and main customer target group information of the affiliated stores. Because of this, there is a problem that the effective promotion is not made as much as desired in the merchant.

The problem of the present invention devised to solve the above-mentioned problems is, if the credit card payment is made in the same merchant by analyzing the customer's credit card payment information and the online personal relationship between the customer, the merchant is a predetermined amount for the payment By paying prepaid customers a promotional fee,

First, customers can get more money for the promotion of merchants by promoting online and word-of-mouth advertising of merchants who have made payments with their credit cards to other customers who have formed online personal relationships. The present invention provides a word-of-mouth marketing system and method through personal exchange relationship between customers' credit card payment information and online customers.

Second, merchants provide a word-of-mouth marketing system and method through the personal exchange relationship between customers' credit card payment information and online customers, which can be increased by being promoted through online and word-of-mouth communication between customers without a separate promotional means. have.

Third, the credit card company's word-of-mouth marketing system through the personal exchange relationship between the customer's credit card payment information and online customers that can increase the credit card payment fees incurred through the merchants due to the increased use of credit cards, and its To provide a way.

Fourth, the Internet portal service provider that provides online personal exchange service provides the customer's credit card payment information which can increase the number of users using online exchange between individuals and the word-of-mouth marketing system through the personal exchange relationship between customers online. And a method thereof.

The present invention has been made in order to achieve the above object, the mobile terminal of the customer of the credit card company with a credit card, the merchant terminal of the credit card company that the credit card is settled, the credit information stored in the personal information of the customer with the credit card A credit card company server, including a credit card payment information DB, which stores payment information settled through the merchant terminal with a card customer information DB and the credit card, and is connected to a network of the credit card company server, personal homepage, Internet messenger, blog, Provide a means of interpersonal exchange service between at least one of Facebook and RSS online, and use the means of interpersonal exchange service of at least one of the personal homepage, Internet messenger, blog, Facebook and RSS through the mobile terminal. Personal information of the member who is registered as an authorized member is saved A member information DB and an online friend relationship DB in which personal relationship information online formed through personal interaction service means formed through any one or more online personal relationship service means of the personal home page, Internet messenger, blog, Facebook, and RSS are stored. Includes an Internet portal service provider server.

The credit card payment information DB is characterized by including the unique ID of the credit card company affiliated terminal, the payment date including the payment time and the payment amount.

The online friend relationship DB includes a cooperative relationship between the personal home page, a friend relationship between the Internet messenger and Facebook, a relationship between the blog and RSS with each other, and a time for forming the personal exchange relationship. It is characterized in that it comprises the date of formation and the personal information of the member displayed on the means of online interaction services between individuals.

At least one of the member information DB and the online friend relationship DB included in the Internet portal service company server is transmitted to the credit card company server.

At least one of the credit card customer information DB and the credit card payment information DB included in the credit card company server is transmitted to the Internet portal service company server.

The member information DB, the online friend relationship DB, the credit card customer information DB, and the credit card payment information DB are compared by the credit card company server or the Internet portal service company server to compare the Internet portal service company member and the credit. The same internet portal service company that is a customer of a credit card company having a credit card company of a credit card company and a credit card company having a credit card company of the same credit card company based on the point of time when the credit card is settled through the credit card merchant terminal. If a member is a member and has a credit card company through the merchant terminal, the prepaid credit card and the postpaid credit card are judged based on the point of time when the payment is made. Promotional costs,

The credit card company server or the Internet portal whether the customer with the pre-paid credit card company and the customer with the post-paid credit card are friends with each other online before the time of the prepayment. When confirmed by the service provider server is characterized in that the payment of the merchant promotional costs are made.

Become a member of an Internet portal service provider that provides a means of interpersonal interaction between any one or more of online personal homepages, internet messengers, blogs, Facebook and RSS, and personal information is stored on the server of the internet portal service provider. The customer information is stored in the server of the credit card company is registered as a customer of the credit card company of the credit card company, the credit card of the first customer with the credit card company of the credit card is settled at the terminal of the credit card merchant through the offline on the credit card Storing the credit card payment information of the first customer that is settled at the terminal of the credit card merchant at a card company server; the same credit as the first customer at the terminal of the credit card merchant where the credit card of the first customer is settled The credit card of the second customer with the credit card company is settled and the credit card Storing the credit card payment information of the second customer, which is settled at the terminal of the credit card merchant, on the server, whether or not the personal information of the second customer is stored in the Internet portal service company server to which the first customer is subscribed; Checking by the internet portal service provider server, personal information of the first customer and the second customer is stored in the internet portal service provider server so that the first customer and the second customer If the member is the first customer and the second customer is a relationship between the relationship between the personal home page provided by the Internet portal service company, the friend of the Facebook and the Internet messenger, the blog and RSS, the Internet portal The step of checking whether the relationship between the individuals online by the service provider server, the Internet portal service business When the first customer and the second customer are identified by the server as a neighbor relationship between the personal home page provided by the Internet portal service company, the friend relationship between the Internet messenger and Facebook, and the blog and RSS, Paying less than 20% of the amount paid by the credit card of the second customer to the first customer who has prepaid to the terminal of the credit card merchant than the second customer as a promotional price of the credit card merchant. In addition, the Internet portal service company server and the server of the credit card company is connected to the network, characterized in that the personal information, customer information, payment information and exchange relationship information between individuals on the online is shared.

After the credit card of the first customer is settled at the terminal of the credit card merchant, the online address of the credit card merchant is added to any one or more of the first customer's personal homepage, Internet messenger, blog, Facebook and RSS. It further comprises the step of uploading.

On-line address of the credit card merchant is retrieved through the server of the credit card company that stores the payment information is stored in the terminal of the credit card member merchant by the first customer credit card.

The credit card merchants paid to the first customer may be paid to the first customer by the credit card company or the credit card merchant in the form of cash or credit card points.

According to the present invention, when a credit card payment is made at the same affiliated store by analyzing a customer's credit card payment information and an online personal relationship between the customers, the affiliated store pays a predetermined prepayment price for the payment to the prepaid customer.

First, customers can get more money for the promotion of merchants by inducing other customers to make credit card payments by promoting online and word-of-mouth advertising to merchants who have made personal relationships online. It works.

Second, merchants have an effect of increasing sales by being promoted through online and word-of-mouth among customers without any additional means of promotion.

Third, credit card companies have an effect of increasing the credit card payment fees incurred through the merchants due to the increased use of credit cards by customers.

Fourth, an Internet portal service company that provides online personal exchange service has an effect of increasing the number of users who use the online exchange between individuals.

The following drawings, which are attached in this specification, illustrate the preferred embodiments of the present invention, and together with the detailed description thereof, serve to further understand the technical spirit of the present invention, and therefore, the present invention is limited only to the matters described in the drawings. It should not be interpreted.
1 and 2 are block diagrams showing a word-of-mouth marketing system through a personal exchange relationship between a customer's credit card payment information and an online customer according to an embodiment of the present invention;
3 is a flowchart illustrating a word-of-mouth marketing method through a personal exchange relationship between a customer's credit card payment information and an online customer according to an embodiment of the present invention;
4 and 5 are flowcharts illustrating a word-of-mouth marketing method through a personal exchange relationship between a customer's credit card payment information and an online customer according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to preferred embodiments of the word-of-mouth marketing system and method through a personal exchange relationship between the customer's credit card payment information and online customers according to the present invention.

1 and 2 are block diagrams illustrating a word-of-mouth marketing system through a personal exchange relationship between a customer's credit card payment information and an online customer according to an embodiment of the present invention.

1 and 2, the word-of-mouth communication system through the personal exchange relationship between the customer's credit card payment information and the customer online according to a preferred embodiment of the present invention is a mobile terminal 100, merchant terminal 200, credit It consists of components including a card company server 300 and the Internet portal service company server 400 and described in detail as follows.

The mobile terminal 100 is a mobile terminal 100 of a credit card company customer who has registered as a member of a specific credit card company and has a predetermined credit card issued by the credit card company.

The merchant terminal 200 is a credit card terminal of a merchant to which a credit card affiliate is signed, and a credit card issued to the customer by the credit card company is settled.

The credit card company server 300 includes a credit card customer information DB 310 and a credit card payment information DB 320.

The customer information DB 310 stores personal information of a customer having the credit card. That is, when the customer joins the credit card company as a customer to issue a credit card, it refers to personal information, that is, personal information, which is input.

The credit card payment information DB 320 stores the payment information when the credit card of the customer having the credit card is paid through the terminal of the affiliated store.

Here, the credit card payment information DB 320 includes a unique ID of the credit card company affiliated store terminal 200, a payment date including a payment time, and a payment amount.

At this time, the unique ID of the credit card company affiliated store terminal 200 can determine the current location of the terminal installed in each affiliated store, that is, the location of the affiliated store and the type of business of the affiliated store.

The credit card payment information DB 320 stores a time point and a payment amount when the credit card is settled at the terminal of the affiliate store, and the payment point and the payment amount are provided by a credit card provided by any customer to be described later. It is information necessary to pay predetermined cash or points according to the payment amount to the customer who prepaid according to whether the terminal 200 has prepaid or postpaid.

The Internet portal service company server 400 includes a member information DB 410 and an online friend relationship DB 420.

The member information DB 410 provides a personal homepage, an internet messenger, a blog, a facebook, and an online personal communication service means of any one or more of the RSS, and through the mobile terminal 100, the personal homepage, an internet messenger, Personal information of a member who has signed up as a member who is authorized to use an online interpersonal communication service means of one or more of blogs, Facebook and RSS is stored.

That is, when a member joins an Internet portal service company that provides an online interpersonal service means, the member's personal information is stored in the member information DB 410 of the Internet portal service company server 400.

In this case, the online inter-personal exchange service means provided by the Internet portal service company may include, for example, a personal homepage such as cyworld, an internet messenger such as Nate on messenger, a birdie buddy, an MSN messenger, a blog such as Naver blog, and a Facebook. And RSS.

By joining the Internet portal service company as a member, personal home pages such as Cyworld, Internet messengers such as Nate-on Messenger, Buddy Buddy, MSN Messenger, blogs such as Naver Blog, online individuals such as Facebook and RSS The right to use the means of exchange service is granted.

The friend relationship DB 420 stores friend relationship information on a personal online exchange formed through an online personal communication service means of any one or more of the personal home page, Internet messenger, blog, Facebook, and RSS.

Herein, the online friend relationship DB 420 may be used to determine whether a personal relationship between the homepage of the personal homepage, the friend relationship of the Internet messenger and Facebook, the personal relationship of the blog and the RSS with each other, and the personal relationship Formation date including the formation time and the personal information of the member displayed on the online interpersonal service means.

That is, the members who are registered as members of the internet portal service company use any one or more of the personal homepage, internet messenger, blog, facebook and RSS which are the means of online personal interaction service provided by the internet portal service company. , Members of each other, such as Cyworld, the homepage of personal homepage, the Internet messenger such as Nate On, Buddy Buddy, MSN messenger and the friendship of Facebook, the personal relationship such as blog and RSS neighbors If so, a formation date including whether the members have formed a personal exchange relationship and a time for forming the personal exchange relationship is stored in the friend relationship DB 420.

It also includes the personal information of the member displayed on the online interpersonal exchange service means. For example, if it is set as a personal exchange relationship between members in the online interpersonal exchange service means Cyworld, Nate On, Buddy Buddy and MSN Messenger, the icon is displayed on the Cyworld, Nate On, Buddy Buddy and MSN Messenger. Individual exchange relations with each other are shown in the form of Such information is stored in the friend relationship DB 420.

In this case, any one or more of the member information DB 410 and the online friend relationship DB 420 included in the Internet portal service company server 400 may be transmitted to the credit card company server 300.

This is the credit card company server 300 and the Internet portal service provider server 400 is connected to the network, the credit card company when the credit card of the credit card customers are settled through a specific credit card merchant at the credit card company, Requesting the member information DB 410 and the online friend relationship DB 420 from the Internet portal service company, and transmitting the information to the credit card company server 300 from the Internet portal service company, thereby providing the credit card company server 300. By comparing the customer information DB (310), payment information DB (320), member information DB (410) and friend relationship DB (420) through the credit card company customers are the Internet portal service provider member and at the same time online friends At the same time, it is determined whether the payment is made at the same credit card merchant to the prepaid customer according to the prepaid and postpaid payment of the credit card merchant terminal 200. To pay a defined credit card merchant promotion costs.

At this time, for example, if a member of the Internet portal service company is registered as a member, and at the same time a personal exchange relationship is formed between the predetermined members through the online interpersonal exchange service means, such information is sent to the credit card company. Requesting the Internet portal service provider, and sending the member information DB 410 and the friend relationship DB 420 stored in the server of the Internet portal service provider to the server of the credit card company from the Internet portal service provider. If the member of the Internet portal service company and the members of the credit card company payment is made through the terminal of a specific merchant in the state that the personal exchange relationship is formed between each other, the credit card company's server Check the member information DB (410) and friend relationship DB (420) stored in the above Pre-payment between customers of credit card companies through the terminals of the specific merchants, while members having a personal exchange relationship with each other through online interpersonal exchange service provided by an Internet portal service company, are registered as customers of the credit card company. After confirming that the post-payment is made, the prepaid customer is given a predetermined credit card merchant promotion fee.

That is, the member information DB 410, the online friend relationship DB 420, the credit card customer information DB 310 and the credit card payment information DB 320 are the credit card company server 300 or the Internet. Compared with the portal service company server, the Internet portal service company member and the credit card company's customer who has the credit card company's credit card are the same on the basis of the time when the credit card is settled through the merchant terminal 200 of the credit card company. If you are a customer of a credit card company equipped with a credit card company and a member of the same internet portal service company, and a post-payment is made to a credit card through the merchant terminal 200 of the same credit card company, the prepayment is made based on the point of payment. A predetermined merchant promotion fee to customers with the prepaid credit card company by judging credit card and post-pay credit card The credit card company server whether the customer with the credit card company of the prepaid credit card company and the customer with the credit card after the payment has been paid before or after the advance payment is made. 300) or the payment of the merchant promotional cost is made by the Internet portal service company server.

At this time, the merchant payment is paid to the prepayment customer, the payment of the promotion is preferably paid by a credit card company or merchant. For example, if a post payment customer makes a payment of 10,000 won, the credit card company or a merchant may pay a predetermined promotional fee for the about 10,000 won, that is, about 10 to 20% of the payment amount. It is determined that the merchant has been actively promoted and paid in cash or points.

3 is a flowchart illustrating a word-of-mouth marketing method through a personal exchange relationship between a customer's credit card payment information and an online customer according to an embodiment of the present invention. Referring to Figure 3, according to a preferred embodiment of the present invention, the word-of-mouth marketing method through a personal exchange relationship between the customer's credit card payment information and the customer online, any one of the Internet personal home page, Internet messenger, blog, Facebook and RSS Become a member of an Internet portal service company that provides one or more online interpersonal service means, and your personal information is stored on the Internet portal service company's server. The information is stored, the first credit card of the first customer with the credit card of the credit card company is settled at the terminal of the credit card merchant through the offline on the credit card company server, the first card settled at the terminal of the credit card merchant Credit card payment information of the customer is stored (step S100).

Then, a credit card of a second customer having a credit card of the same credit card company as the first customer is settled at the terminal of the credit card merchant where the credit card of the first customer is settled, and the credit card company server receives the credit card. The credit card payment information of the second customer, which is paid by the terminal of the card affiliate store, is stored (step S200).

Then, whether or not the personal information of the second customer is stored in the internet portal service company server to which the first customer is subscribed is confirmed by the internet portal service company server (step S300).

Then, the personal information of the first customer and the second customer is stored in the Internet portal service provider server so that the first customer and the second customer are members of the internet portal service provider. Whether a second customer is a cooperative relationship of the personal homepage provided by the Internet portal service company, a friend relationship of the Internet messenger and Facebook, and a neighbor relationship of the blog and RSS with each other. It is confirmed whether or not an exchange relationship (step S400).

Next, the first customer and the second customer by the Internet portal service provider server, the daily relationship of the personal home page provided by the Internet portal service provider, the friend relationship between the Internet messenger and Facebook, the blog and RSS If it is confirmed that the mutual relationship with each other, less than 20% of the amount paid by the credit card of the second customer to the first customer who prepaid to the terminal of the credit card merchant than the second customer to promote the credit card merchant Payment in return (step S500), which will be described in detail as follows.

At this time, the server of the Internet portal service provider and the server of the credit card company is connected to the network, the personal information, customer information, payment information and the interaction relationship information between the individual online can be shared.

First, when a member is registered as an Internet portal service provider that provides a means of interpersonal exchange service among any one or more of online personal homepage, internet messenger, blog, Facebook and RSS, personal information is stored in the server of the internet portal service provider. The customer information is stored in a server of the credit card company, and the credit card of the first customer having the credit card company is on-offline and is paid at the terminal of the credit card merchant. The credit card payment information of the first customer, which is paid by the terminal of the credit card affiliate store, is stored in the credit card company server (step S100).

For example, the first customer is a member of a BC credit card company, and possesses a credit card issued by the BC credit card company. The first customer pays with a credit card at an online shopping mall or at a member store terminal of the BC card company offline.

At this time, the first customer is registered as a member of a credit card company in order to have the credit card, and by being registered as a member, personal information of the first customer is stored in a customer information DB of a credit card company server. That is, when the first customer joins the credit card company to obtain a credit card as a customer, personal information, that is, personal information, is input.

In addition, when the first customer is a member of an Internet portal service provider that provides a means of inter-personal exchange service among any one or more of online personal homepage, Internet messenger, blog, Facebook, and RSS, the Internet portal service provider server Personal information of the first customer is stored in the member information DB of.

In addition, when the credit card provided by the first customer is settled on the credit card terminal via offline, the credit card of the first customer that is settled at the terminal of the credit card merchant in the payment information DB of the credit card company server. Payment information is stored.

At this time, the credit card payment information DB, if the credit card of the first customer with the credit card is paid through the terminal of the merchant, the payment information is stored.

Here, the credit card payment information DB may include a unique ID of the credit card company affiliated terminal, a payment date including a payment time, and a payment amount.

In this case, the unique ID of the credit card company member terminal can determine the current location of the terminal installed in each member store, that is, the location of the member store and the type of business of the member store.

The credit card payment information DB stores a time point and a payment amount when the credit card of the first customer is settled at the terminal of the affiliate store, and a time point and a payment amount of the credit card of the first customer are described below. When the provided credit card is post-paid to the merchant terminal, the information is required to pay predetermined cash or points according to the payment amount of the second customer to the first customer who prepaid according to the payment amount. .

Then, a credit card of a second customer having a credit card of the same credit card company as the first customer is settled at the terminal of the credit card merchant where the credit card of the first customer is settled, and the credit card company server receives the credit card. The credit card payment information of the second customer, which is paid by the terminal of the card affiliate store, is stored (step S200).

Here, the second customer refers to a customer of the credit card company having a credit card of the credit card company by joining as a member of the same credit card company as the second customer.

That is, the personal information of the second customer is stored in the customer information DB of the credit card company server similarly to the first customer described above.

In addition, when the credit card provided by the second customer is paid to the terminal of the credit card affiliate store, the credit card payment information of the second customer is stored in the payment information DB of the credit card company server.

In this case, the credit card provided by the second customer is settled at the terminal of the credit card merchant where the credit card provided by the first customer is settled, and the credit card provided by the first customer is set at the terminal of the same credit card merchant. If the credit card provided by the second customer is prepaid and subsequently paid, the credit card payment information DB may indicate that the credit card of the first customer is settled at the terminal of the merchant and the amount of payment and the second customer. When the credit card provided is paid to the terminal of the merchant and the amount of payment is stored.

Then, whether or not the personal information of the second customer is stored in the internet portal service company server to which the first customer is subscribed is confirmed by the internet portal service company server (step S300).

At this time, the server of the Internet portal service provider and the server of the credit card company is connected to the network. That is, since the Internet portal service provider server and the credit card company server are connected to each other over a network, the information stored in the Internet portal service company server and the information stored in the server of the credit card company may be shared with each other.

Therefore, if the second customer is a member of the Internet portal service company in which the first customer is a member, the personal information is stored in the Internet portal service company server, that is, the Internet portal service company member information DB. The Internet portal service company server confirms whether or not the personal information of the second customer is stored in the Internet portal service company server to which the first customer is subscribed.

Then, the personal information of the first customer and the second customer is stored in the Internet portal service provider server so that the first customer and the second customer are members of the internet portal service provider. Whether a second customer is a cooperative relationship of the personal homepage provided by the Internet portal service company, a friend relationship of the Internet messenger and Facebook, and a neighbor relationship of the blog and RSS with each other. It is confirmed whether or not an exchange relationship (step S400).

As described above, the server of the Internet portal service provider and the server of the credit card company is connected to the network.

That is, the Internet portal service company server and the server of the credit card company share personal information, customer information, payment information, and exchange relationship information between individuals online.

Here, the online personal relationship information is a personal homepage such as cyworld, which is a means of online personal interaction services provided by members of the Internet portal service company as members of the Internet portal service company. Internet messengers such as online messengers, buddy buddies, MSN messengers, blogs such as the Naver blog, Facebook and RSS, using members of one or more of each other's cousin of the personal home page, the Internet messenger and Facebook friends , Refers to personal interaction relationship information of the blog and the RSS with each other.

Here, the online personal relationship information is preferably stored in the online friend relationship DB on the Internet portal service company server.

The friend relationship DB stores personal relationship online relationship information between individuals formed through an online personal communication service means of any one or more of the personal home page, Internet messenger, blog, Facebook, and RSS.

Here, the online friend relationship DB may be used to determine whether a social relationship between the personal home page, a friend relationship between the Internet messenger and Facebook, the personal relationship between the blog and the RSS, and the time for the personal relationship are formed. Includes the date of formation and the personal information of the member displayed on the means of online interaction between individuals.

That is, the members who are registered as members of the internet portal service company use any one or more of the personal homepage, internet messenger, blog, facebook and RSS which are the means of online personal interaction service provided by the internet portal service company. , Members of each other, such as Cyworld, the homepage of personal homepage, the Internet messenger such as Nate On, Buddy Buddy, MSN messenger and the friendship of Facebook, the personal relationship such as blog and RSS neighbors If so, a formation date including whether the members form a personal exchange relationship and a time for forming the personal exchange relationship is stored in the friend relationship DB.

It also includes the personal information of the member displayed on the online interpersonal exchange service means. For example, if it is set as a personal exchange relationship between members in the online interpersonal exchange service means Cyworld, Nate On, Buddy Buddy and MSN Messenger, the icon is displayed on the Cyworld, Nate On, Buddy Buddy and MSN Messenger. Individual exchange relations with each other are shown in the form of Such information is stored in the friend relationship DB.

Herein, the relationship between the first customer and the second customer between the homepage of the personal homepage and the personal relationship between the Internet messenger, blog, Facebook and RSS will be described in detail as follows.

In modern times, due to the rapid development of communication technology, the world is actively interacting with each other online such as providing information, e-mail, video transmission, etc. using wired / wireless terminals through a network called the Internet.

As such, an Internet portal service company that provides online personal exchange relationship service that activates online personal relationship in a more convenient and diverse manner has emerged, and thus online personal relationship has been achieved.

For example, personal minihompy such as Cyworld, blogs, Internet messenger, Facebook and RSS form an online personal relationship.

Here, the personal mini homepage, such as Cyworld, can form more active exchanges between individuals through the relationship of Ilchon, and in the case of other blogs and Facebook, it is possible to more actively form an online personal exchange relationship of friends.

Meanwhile, the RSS is short for Rich Site Summary (RDF Site Summary or Really Simple Syndication), which makes it easier for users to easily update the contents of frequently updated sites such as blogs, news, company information, site announcements, employment information, and shopping information. It is a format created for delivery.

In addition, it is possible to form a more active friendship through various forms of Internet messenger provided by an Internet portal service company that provides an online personal exchange service.

Therefore, when the credit card of the second customer is settled at the merchant where the credit card of the first customer is settled, the credit card company or the Internet portal service company in which the first customer and the second customer are registered as members and the second customer and the second customer. You can check whether or not it is a personal online relationship between customers. For example, it is to check whether the first customer and the second customer are friends of the Internet messenger or cyworld.

Next, the first customer and the second customer by the Internet portal service provider server, the daily relationship of the personal home page provided by the Internet portal service provider, the friend relationship between the Internet messenger and Facebook, the blog and RSS When it is determined that the neighboring relationship with each other, the less than about 20% of the amount paid by the credit card of the second customer to the first customer who prepaid to the terminal of the credit card merchant than the second customer of the credit card merchant The payment in advance (step S500).

If the credit card company or the Internet portal service provider determines that the first customer and the second customer are in a relationship with each other online or in a friend relationship, the payment amount of the payment made by the merchant or the credit card company with the credit card of the second customer A certain amount is paid to the first customer.

That is, assuming that the first customer prepaid to the affiliated store promotes the affiliated store to the second customer, the affiliated store pays a predetermined price for the promotion to the first customer.

4 and 5 are flowcharts illustrating a word-of-mouth marketing method through a personal exchange relationship between a customer's credit card payment information and an online customer according to another embodiment of the present invention. 4 and 5, according to another preferred embodiment of the present invention, the word-of-mouth communication method through the personal exchange relationship between the customer's credit card payment information and the customer on-line is provided. After the credit card is settled on the terminal of the credit card merchant through offline, the credit card of the first customer is settled at the terminal of the merchant, and then the personal homepage, internet messenger, blog, Facebook and RSS of the first customer. In any one or more of the merchant offline address is uploaded (step S120).

That is, the first customer uploads the information of the merchant where the credit card is settled, for example, the on-line address of the merchant to the personal homepage, Internet messenger, blog, Facebook, and RSS of the first client. Promote merchants actively.

At this time, the first customer and the second customer who has formed an online personal relationship through the personal home page, blog, Internet messenger, Facebook and RSS acquire detailed information of the affiliated store uploaded by the first customer. On the basis of this, the second customer visits the affiliated store and the credit card is settled.

That is, by inducing a follow-up purchase of the second customer, which is a post-payer, based on the experience of the first customer, which is a pre-payer, and inducing a follow-up purchase of a third customer based on the payment of the second customer, the merchant may Sales are increased by being promoted through online and word-of-mouth communication among customers without additional promotional means, and credit card companies have an effect of increasing credit card payment fees incurred through merchants due to increased use of credit cards by customers.

On the other hand, the on-line address of the credit card affiliate store may be searched through the server of the credit card company that stores the payment information that is settled in the terminal of the credit card merchant with the first customer credit card.

At this time, the credit card company, the detailed information of the merchants that paid by the credit card of the first customer to the Internet messenger, blog, personal homepage, Facebook and RSS of the first customer and a predetermined tool capable of linking the same (tool) can be provided.

The credit card merchant's promotional price paid to the first customer is paid to the first customer by the credit card company or the credit card merchant in the form of cash or credit card points.

In the above, the present invention has been described based on the preferred embodiments, but the technical idea of the present invention is not limited thereto, and modifications or changes can be made within the scope of the claims. It will be apparent to those skilled in the art, and such modifications and variations will belong to the appended claims.

100: mobile terminal 200: merchant terminal
300: credit card company server 310: customer information DB
320: payment information DB 400: Internet portal service provider server
410: Membership DB 420: Friendship DB

Claims (10)

A mobile terminal of a credit card company customer having a credit card;
An affiliated store terminal of the credit card company to which the credit card is settled;
A credit card company server including a credit card customer information DB storing personal information of a customer having the credit card and a credit card payment information DB storing payment information settled through the affiliated terminal with the credit card; And
It is connected to the network of the credit card company server, provides a personal homepage, Internet messenger, blog, Facebook and RSS, any one or more of the online interaction service means, and through the mobile terminal the personal homepage, Internet messenger, blog Member information DB that stores the member's personal information, and the personal homepage, Internet messenger, blog, Facebook and RSS, which are members who are authorized to use any one or more online interpersonal service means of Facebook, RSS and RSS. Interpersonal interactions formed through one or more on-line interpersonal communication services means that the customer's credit card payment information includes an online portal service provider server including an online friend relations database that stores online friend relationship information. Word of mouth marketing through personal exchange System. The method of claim 1, wherein the credit card payment information DB,
Word of mouth marketing system through a personal exchange relationship between the customer's credit card payment information and the customer online, characterized in that it comprises a unique ID of the credit card company merchant terminal, the payment date and the payment amount. According to claim 1, wherein the online friend relationship DB,
The date of formation and the time of online development, including a cooperative relationship between the personal homepage, a friend relationship between the Internet messenger and Facebook, a personal exchange relationship between the blog and RSS, and a time for the personal exchange relationship to be formed. A word-of-mouth communication system through a personal exchange relationship between a customer's credit card payment information and an online customer, characterized in that it includes personal information of the member displayed on the means of exchange service between individuals. The method of claim 1,
At least one of the member information DB and the online friend relationship DB included in the Internet portal service company server is transmitted to the credit card company server. Word of mouth marketing system. The method of claim 1,
At least one of the credit card customer information DB and the credit card payment information DB included in the credit card company server is transmitted to the Internet portal service company server. Word of mouth marketing system through exchange relationship. The method according to claim 4 or 5,
The member information DB, the online friend relationship DB, the credit card customer information DB, and the credit card payment information DB are compared by the credit card company server or the Internet portal service company server to compare the Internet portal service company member and the credit. The same internet portal service company that is a customer of a credit card company having a credit card company of a credit card company and a credit card company having a credit card company of the same credit card company based on the point of time when the credit card is settled through the credit card merchant terminal. If a member is a member and has a credit card company through the merchant terminal, the prepaid credit card and the postpaid credit card are judged based on the point of time when the payment is made. Promotional costs,
The credit card company server or the Internet portal whether the customer with the pre-paid credit card company and the customer with the post-paid credit card are friends with each other online before the time of the prepayment. The word-of-mouth communication system through the personal exchange relationship between the customer's credit card payment information and the customer online, characterized in that payment of the merchant promotional cost is confirmed by the service provider server. a) Sign up as a member of an Internet portal service provider that provides a means of interpersonal interaction between any one or more of online personal homepages, internet messengers, blogs, Facebook and RSS, and store personal information on the server of the internet portal service provider. The customer information is stored in the server of the credit card company, and the credit card of the first customer with the credit card company is settled at the terminal of the credit card merchant through offline. Storing the credit card payment information of the first customer, which is paid by the terminal of the credit card affiliate, in the credit card company server;
b) a credit card of a second customer having a credit card of the same credit card company as the first customer is settled at a terminal of the credit card merchant where the credit card of the first customer is settled, and the credit card company server Storing the credit card payment information of the second customer, which is paid at a terminal of the affiliate store;
c) checking, by the Internet portal service provider server, whether or not the personal information of the second customer is stored in the internet portal service provider server to which the first customer is subscribed;
d) personal information of the first customer and the second customer is stored in the Internet portal service provider server so that the first customer and the second customer are members of the internet portal service provider; 2 The exchange of individuals online by the Internet portal service company server whether the customer is a cooperative relationship of the personal home page provided by the Internet portal service company, a friend relationship between the Internet messenger and Facebook, and a neighbor relationship between the blog and RSS. Determining whether a relationship exists;
e) by the Internet portal service provider server, the first customer and the second customer of the household relationship of the personal home page provided by the Internet portal service provider, the friendship of the Internet messenger and Facebook, the blog and RSS If it is confirmed that the neighbor relationship with each other, less than 20% of the amount paid by the credit card of the second customer to the first customer who prepaid to the terminal of the credit card merchant than the second customer in return for the promotion of the credit card merchant Include the steps to pay,
The server of the Internet portal service provider and the server of the credit card company are connected through a network, so that personal information, customer information, payment information, and exchange relationship information between individuals online are shared. How to market word of mouth through personal interactions between customers. The method of claim 7, wherein in step a),
After the credit card of the first customer is settled at the terminal of the credit card merchant, the online address of the credit card merchant is added to any one or more of the first customer's personal homepage, Internet messenger, blog, Facebook and RSS. The word-of-mouth marketing method through a personal exchange relationship between the customer's credit card payment information and the customer online, further comprising the step of uploading. The method of claim 8, wherein in step a),
Credit card payment information of the customer characterized in that the on-line address of the credit card merchant is retrieved through the server of the credit card company that stores the payment information is stored in the terminal of the credit card merchant with the first customer credit card; How to market word of mouth through personal interactions between customers online. The method of claim 7, wherein in step e),
The credit card payment information paid to the first customer is credit card payment information of the customer, characterized in that the credit card company or the credit card merchant pays the first customer in the form of cash or credit card points; How to market word of mouth through personal interactions between customers online.

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