KR20100097833A - System and method for loyalty service - Google Patents

System and method for loyalty service Download PDF

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Publication number
KR20100097833A
KR20100097833A KR1020090016685A KR20090016685A KR20100097833A KR 20100097833 A KR20100097833 A KR 20100097833A KR 1020090016685 A KR1020090016685 A KR 1020090016685A KR 20090016685 A KR20090016685 A KR 20090016685A KR 20100097833 A KR20100097833 A KR 20100097833A
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South Korea
Prior art keywords
card
royalty
information
policy
loyalty
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KR1020090016685A
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Korean (ko)
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박준흥
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주식회사 하이스마텍
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Priority to KR1020090016685A priority Critical patent/KR20100097833A/en
Publication of KR20100097833A publication Critical patent/KR20100097833A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention relates to a loyalty service system and a method thereof, and provides a loyalty service system and a method which can simultaneously process payment and integration using a loyalty policy set independently for each card company in a card terminal. To this end, the present invention requests payment approval and royalty information according to whether a royalty policy corresponding to the user card requested for payment exists, identifies a card company corresponding to the request response, and pays the royalty information according to the royalty policy of the card company. A card terminal for outputting the information; A VAN server identifying a card company corresponding to the payment request of the card terminal and requesting payment approval and royalty information from the card company server; Approving the payment request received from the VAN server, and generates and stores royalty information according to the loyalty policy based on the payment information, and responds to the card terminal through the VAN server to the royalty information and payment approval The card company server; characterized in that it comprises a. According to the above configuration, the present invention can not only provide a royalty service to a plurality of card companies using the same card terminal, but also improve the scalability of the royalty service.

Description

Loyalty service system and its method {System and method for loyalty service}

The present invention relates to a loyalty service system and a method thereof, and more particularly, to a loyalty service system and method that can be integrated simultaneously with payment using a loyalty policy set independently for each card company in a card terminal.

In general, loyalty services are a way of promoting sales to attract loyal customers, helping to attract loyal customers who continue to buy their products and services and to gain market share over competitors. It was provided in the form of a service program.

The royalty service was provided in the form of a receipt or a credit card type, but the user is required to carry them separately and the card technology is being integrated around a card that is always carried, such as a credit card.

However, this conventional royalty service has a problem in that a separate server for managing the royalty service.

In addition, according to the loyalty policy of each card company, there is a problem in that loyalty service is entailed, such as storing loyalty information on the IC card or installing a loyalty policy on the card terminal of the merchant to perform loyalty service only for the corresponding card.

The present invention has been proposed to solve the above problems, an object of the present invention to provide a loyalty service system and method that can be processed simultaneously with payment by integrating a loyalty service performed by a plurality of card companies in the card terminal of the merchant. do.

In order to achieve the above object, the present invention requests payment approval and royalty information according to whether a royalty policy corresponding to a user card requested for payment exists, identifies a card company corresponding to the request response, and then applies the card company's royalty policy. A card terminal for outputting the royalty information together with payment information; A VAN server identifying a card company corresponding to the payment request of the card terminal and requesting payment approval and royalty information from the card company server; Approving the payment request received from the VAN server, and generates and stores royalty information according to the loyalty policy based on the payment information, and responds to the card terminal through the VAN server to the royalty information and payment approval The card company server; characterized in that it comprises a.

Preferably, the card terminal may download the loyalty policy by requesting the card company server.

Preferably, when the user card is an MS card, the card terminal requests the loyalty information from the card company server according to the loyalty inquiry request of the user card, and receives a response from the card company server to the loyalty policy. Accordingly, the royalty information may be output.

Preferably, when the user card is an IC card, the card terminal may receive royalty information stored in the IC card according to a royalty inquiry request of the user card and output the royalty information according to the royalty policy.

Preferably, the card terminal may be an EMV (Europay, Master, Visa) terminal.

Preferably, the card terminal, a loyalty API call for calling a plurality of card company loyalty API performing unit for processing the received royalty information according to each card company loyalty policy, and a card company's loyalty API performing unit corresponding to the payment request And requesting the payment information and the royalty information by confirming the existence of the royalty policy according to the type of the user card, and requesting the processing of the royalty information according to the response. It may include an application program processing unit for controlling the output of the royalty information processed in.

Preferably, the card terminal may further include a printing unit for outputting the processed royalty information and payment information.

Preferably, the card terminal may further include a card interface for recognizing the user's card, and a communication unit for communicating with the VAN server.

Preferably, the plurality of card company royalty API execution unit may be provided with a royalty policy of the corresponding card company in advance.

Preferably, the VAN server can identify the card company according to the Bank Identification Number (BIN) included in the card number of the user card.

Preferably, the card company server may include a card information DB in which user information and payment information related to the user card are stored, and a royalty DB in which royalty information according to the royalty policy is stored in relation to the user card.

Preferably, the user card may include a magnetic stripe (MS) card and an IC card.

According to a royalty service method according to another aspect of the present invention, when a user card requests payment, the card terminal requests payment approval and royalty information from a VAN server according to whether a royalty policy exists, and the VAN server identifies the corresponding card company. An authorization request step of requesting the payment approval and the royalty information to a card company server; The card company server approves the payment request, generates and stores royalty information according to the loyalty policy based on the payment information, and responds to the card terminal through the VAN server. Wow; An information processing step of the card terminal identifying the card company from a response of the card company server and processing the royalty information according to a corresponding royalty policy; And outputting the processed royalty information and payment information.

Preferably, in the approval request step, when the user card is an MS card, the card terminal may check whether the royalty policy exists.

Preferably, in the approval request step, when the user card is an IC card, the card terminal may receive card company information from the IC card to check whether a loyalty policy of the corresponding card company exists.

Preferably, in the response step, the card company server may store the generated royalty information in a royalty information DB.

Preferably, the information processing step may control the output of the royalty information by the card terminal calls the royalty API execution unit of the identified card company.

The present invention may further include a post-processing step of transmitting and storing the processed royalty information to the IC card in the case of the user card IC card.

The present invention includes a download step of the card terminal requesting and downloading the royalty policy to the card company server through the VAN server; And providing the downloaded royalty policy by the card terminal calling a corresponding card company royalty API execution unit.

The present invention comprises the steps of the card terminal to confirm the loyalty policy for each card company with a loyalty API execution unit for each card company; An acknowledgment step of responding to the loyalty API execution unit for each card company corresponding royalties policy; And transmitting, by the card terminal, the confirmed royalty policy to the card company server through the VAN server.

Preferably, in the transmitting step, the card terminal may transmit the royalty policy to the card company server on a start of day (SOD).

According to an aspect of the present invention, an inquiry step of inquiring royalty information according to the type of the user card, the card terminal when the user card requests a royalty inquiry; And a query output step of outputting the inquired royalty information according to a corresponding royalty policy.

Preferably, the inquiry step comprises: an information request step of requesting the royalty information to the card company server when the user card is an MS card; And an information response step in which the card company server searches for and responds to royalty information related to the card information.

Preferably, the inquiry step may receive card information and royalty information from the IC card when the user's card is an IC card.

The loyalty service system and method thereof according to the present invention integrate and process a loyalty service performed by a plurality of card companies in a card terminal, thereby providing a loyalty service for a plurality of card companies using the same card terminal in a merchant. In addition, even if the number of card companies providing royalty services increases, it is possible to integrate and use the card terminal without special modifications, thereby improving the scalability of the service.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a royalty service system according to an embodiment of the present invention.

The loyalty service system 10 may identify a card company according to a card terminal 100 having a royalty policy for a plurality of card companies, and request card payment and royalty information of the card terminal 100 to correspond to the card company server 300. VAN server 200 performing communication, and a plurality of card company server 300 to approve the requested payment and generate royalty information corresponding thereto and respond to the card terminal 100 through the VAN server 200. .

Loyalty service integrated terminal

The card terminal 100 checks whether a loyalty policy corresponding to the user card requested for payment exists, and if the loyalty policy exists, requests the loyalty information to the corresponding card company server 300 together with the payment approval request.

The card terminal 100 is preferably an EMV (Europay, Master, Visa) terminal, and includes a credit authorization terminal (CAT) and a point of sale terminal (POST).

Here, the user card usable in the card terminal 100 includes an MS card and an IC card.

In addition, the card terminal 100 identifies the card company by the response information from the card company server 300, and outputs the royalty information included in the response information together with the payment information according to the loyalty policy of the card company.

On the other hand, the card terminal 100 must be provided with a royalty policy in advance in order to perform a royalty service, the royalty policy is requested by the card company server 300 is downloaded.

In addition, the card terminal 100 may query the royalty information for the current user card, for example, if the user card is an MS card, to the corresponding card company server 300 in accordance with the royalty inquiry request of the user card The loyalty information is requested, the card company server 300 receives a response, and outputs the loyalty information according to the loyalty policy.

In addition, when the user card is an IC card, when the user requests a royalty inquiry using the user card, the card terminal 100 receives the royalty information stored in the IC card and outputs it according to the royalty policy.

This card terminal 100 will be described in more detail with reference to FIG. 2.

2 is a detailed configuration diagram of an EMV terminal of a royalty service system according to an exemplary embodiment of the present invention.

The card terminal 100 includes a card interface 110 for recognizing a user card, a controller 120 for controlling output of card payment and royalty information, a printing unit 130 for outputting payment information and royalty information, and a VAN. It includes a communication unit 140 for communicating with the server 200.

The card interface 110 recognizes a user card including an MS card and an IC card in a contact or contactless manner. In the case of an MS card, the card interface 110 provides the card information to the controller 120 and, in the case of an IC card, is provided with the card information. Additional information, for example, royalty information, is received and provided to the controller 120.

The control unit 120 controls the loyalty service and payment processing from the application program processing unit 122, the loyalty API calling unit 124 calling the specific card company loyalty API execution units 126a to c, and the card company server 300. It includes a plurality of card company's loyalty API execution unit (126a ~ c) for processing the received royalty information.

The application processing unit 122 checks the existence of a royalty policy through the royalty API calling unit 124. If the user card is an MS card, the royalty API API is not called for all card companies without calling the card company royalty API performing unit 126. If the calling unit 124 performs a response, and the user card is an IC card, the card company loyalty API performing unit 126 performs a response according to the card information received from the IC card.

In addition, if it is determined that the loyalty policy exists, the application processing unit 122 requests the card company server 300 through the VAN server 200 with the loyalty information along with payment information for the user card.

In addition, the application program processing unit 122, the loyalty information received from the card company server 300 and the card company identification information provided from the VAN server 200 through the loyalty API call unit 124, the card company loyalty API execution unit 126 And to output the royalty information processed by the card company royalty API performing unit 126 when the payment information is output.

The loyalty API calling unit 124 calls the card company loyalty API performing unit 126 according to the card company classification information identified by the VAN server 200 according to the payment request.

Here, the loyalty API calling unit 124 provides only the card company information and the received royalty information to the card company's loyalty API execution units 126a to c at the time of the call, regardless of the card company's loyalty policy. 126) can be called.

The royalty API call unit 124 may integrate and process royalty services for a plurality of card companies without specially modifying the card terminal 100.

Loyalty API execution units 126a to c of each card company are provided with a loyalty policy of a corresponding card company in the form of a rule file, and process the received loyalty information according to the loyalty policy for each card company provided.

Here, the royalty information received from the card company server 300 is information that changes according to the payment of the user card, such as, for example, cumulative point, the event period, the royalty policy is based on the receipt provided to the user based on the royalty information Contains substantial information added.

That is, the loyalty API execution unit 126 creates an output form provided to the user according to the loyalty policy previously provided to the user based on the loyalty information received from the card company server 300.

The printing unit 130 outputs the royalty information processed by the royalty API performing unit 126 together with the payment information under the control of the controller 120.

The communication unit 140 connects to the VAN server 200 through a wired or wireless communication network and performs communication with the card company server 300.

The VAN server 200 is a server of a value added network (VAN) according to a payment request from the card terminal 100, for example, classifies the card company according to the BIN included in the card number of the user card, The card company server 300 requests payment approval and royalty information.

In addition, the VAN server 200 transmits card company identification information to the card terminal 100 together with the response from the card company server 300.

The plurality of card company servers 300 includes a card information DB 312 storing user information and payment information related to a user card, and a royalty information DB 314 storing royalty information according to a royalty policy related to the user card. Each of the card company DBs 310 is provided.

The plurality of card company servers 300 approve payment requests received from the VAN server 200, generate royalty information by processing a royalty service according to a royalty policy based on payment information of a user card, and generate royalty information. Is stored in the royalty information DB (314).

The card company server 300 transmits the payment approval and the generated royalty information to the card terminal 100 through the VAN server 200 as a response to the request of the card terminal 100.

By such a configuration, the loyalty service system 10 can provide a loyalty service for a plurality of card companies by the integrated card terminal.

Hereinafter, the royalty service method of the present invention will be described with reference to FIGS. 3 to 6.

According to an exemplary embodiment of the present invention, a royalty service method includes setting a royalty service (steps S301 to S403), providing royalty information with payment processing (steps S501 to S508), and storing stored royalty information. It includes the step (step S606 to step S606).

First, a description will be given of how to set up a royalty service online.

Set up loyalty service online

3 is a flowchart illustrating a service setting example of a royalty service method according to an exemplary embodiment of the present invention.

When the card terminal 100 requests the rule file download as a royalty policy to the VAN server 200, the VAN server 200 requests the rule file to the card company server 300, the card company server 300 card The rule file is transmitted to the terminal 100 (step S301).

The card terminal 100 calls the corresponding card company loyalty API execution unit 126 in the received rule file (step S302).

That is, when the royalty API call unit 124 in the card terminal 100 provides a royalty policy to the card company loyalty API execution unit 126, the card company loyalty API execution unit 126 responds to the corresponding card company royalty The service is set (step S303).

Next, a method of setting up a royalty service by receiving a batch file will be described.

Loyalty service setup by deployment

4 is a flowchart illustrating another service setting example of a royalty service method according to an exemplary embodiment of the present invention.

First, the card terminal 100 checks the loyalty policy for each card company with the loyalty API execution unit 126 for each card company (step S301).

Specifically, when the application program processing unit 122 requests the loyalty API execution unit 126 for each card company to load the rule file received in a batch in the card terminal 100, the loyalty API calling unit 124 may request each of the card files 100. The card company loyalty API execution unit 126 is called (step S402).

That is, the loyalty API calling unit 124 receives the corresponding loyalty policy from each card company loyalty API performing unit 126 as a response, and the card terminal server receives the received loyalty policy from the card company server through the VAN server 200. 300, a notification is provided whether or not the royalty service (step S403).

Here, the card terminal 100 preferably transmits a royalty policy to the card company server 300 in SOD (Start Of Day).

Next, a description will be given of how card payment and royalty processing are performed at the same time.

Payment and Loyalty Service Processing

5 is a flowchart illustrating payment processing of a royalty service method according to an exemplary embodiment of the present invention.

First, the user card makes a payment request to the card terminal 100 by the user (step S501).

At this time, if the user card is an MS card (swipe), or if the IC card (swipe) or the card terminal 100 (deep or touch), the payment information such as the amount or installment months.

The card terminal 100 performs royalty preprocessing to confirm whether a royalty policy exists (step S502).

That is, the card terminal 100 checks whether there is a current royalty policy through the loyalty API calling unit 124 and the loyalty API performing unit 126 for each card company.

For example, when the user card is an MS card, since the card terminal 100 does not recognize the type of the card, the loyalty API calling unit 124 therein does not call the loyalty API performing unit 126 for each card company without all the card companies. Respond identically to the existence of a royalty policy.

In addition, when the user card is an IC card, the card terminal 100 receives the card company information from the IC card so that the card company can know the card company. Thus, the loyalty API calling unit 124 calls the card company loyalty API performing unit 126. Check if a royalty policy exists.

After checking the royalty policy, the card terminal 100 requests royalty information together with the payment approval request to the VAN server 200 (step S503).

At this time, the VAN server 200 identifies the card company according to the card number included in the request information from the card terminal 100, and requests the payment card approval and royalty information from the card company server 300.

The card company server 300 approves the payment request, processes the royalty service based on the corresponding payment information, and transmits the payment information and royalty information to the VAN server 200, and the VAN server 200 distinguishes the response from the corresponding card company. The information is transmitted to the card terminal 100 as a response (step S504).

At this time, the card company server 300 generates the royalty information according to the royalty policy and stores in the royalty information DB (314).

The card terminal 100 identifies the card company from the response of the card company server 300 and processes royalty information of the card company (step S505).

That is, when the card terminal 100 calls the card company loyalty API execution unit 126 therein and provides the received royalty information, the card company loyalty API execution unit 126 may output the loyalty information according to the loyalty policy. Should be handled.

When the processing of the royalty information is completed in this way, the card terminal 100 outputs a receipt including the royalty information together with the payment information (step S506).

That is, inside the card terminal 100, the application program processing unit 122 outputs the royalty information through the printing unit 130.

If the user card is an MS card, payment and loyalty services are processed by the method described above. However, in the case of an IC card, a post-processing step may be included according to the loyalty policy of the card company.

Specifically, when the user card is an IC card and the royalty policy of the card company stores the royalty information in the user card, the card terminal 100 transmits the processed royalty information to the user card and stores it (step S508). .

In this way, it is possible to process the loyalty service at the same time as the card payment, it is possible to provide an integrated loyalty service using the same card terminal.

Finally, a description is given of how to retrieve royalty information.

Loyalty Information Lookup

6 is a flowchart showing an inquiry process of a royalty service method according to an exemplary embodiment of the present invention.

First, a user card requests a royalty inquiry from the card terminal 100 by the user (step S601).

The card terminal 100 inquires the royalty information according to the type of the user card. For example, it is determined whether the user card is the MS card (step S602).

If the card terminal 100 determines that the user card is an MS card, the card terminal 100 requests the VAN server 200 to search for royalty information (step S603).

At this time, the VAN server 200 identifies the card company according to the card number transmitted with the inquiry request, and requests the loyalty information inquiry to the card company server 300.

When the card company server 300 retrieves royalty information related to the transmitted card information from the royalty information DB 314 and transmits it to the VAN server 200, the VAN server 200 transmits the corresponding response and the corresponding card company classification information to the card terminal ( 100) (step S604).

On the other hand, if the user card is an IC card, since royalty information and card information are stored in the card, and the corresponding information is immediately received when an inquiry request is made, the step of inquiring to the card company server 300 (steps S603 and S604) may be omitted. Can be.

When the card terminal 100 receives the royalty information in this way, the card terminal 100 identifies the card company from the response of the card company server 300 and processes the royalty inquiry information of the card company (step S605).

That is, when the card terminal 100 calls the card company loyalty API execution unit 126 therein and provides the inquired royalty information, the card company loyalty API execution unit 126 outputs the loyalty information according to the loyalty policy. Should be handled.

When the inquiry processing of the royalty information is completed in this manner, the card terminal 100 outputs the royalty information (step S606).

That is, inside the card terminal 100, the application program processing unit 122 outputs the royalty inquiry information through the printing unit 130.

In this manner, the user can inquire his / her royalty information related to the affiliated store and pay using the same.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and it is common in the art that various substitutions, modifications, and changes can be made without departing from the technical spirit of the present invention. It will be apparent to those skilled in the art.

1 is a block diagram of a royalty service system according to an embodiment of the present invention,

2 is a detailed configuration diagram of a card terminal of a royalty service system according to an embodiment of the present invention.

3 is a flowchart illustrating a service setting example of a royalty service method according to an exemplary embodiment of the present invention.

4 is a flowchart illustrating another service setting example of a royalty service method according to an exemplary embodiment of the present invention.

5 is a flowchart illustrating payment processing of a royalty service method according to an embodiment of the present invention.

6 is a flowchart showing an inquiry process of a royalty service method according to an exemplary embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

10: loyalty service system 100: card terminal

110: card interface 120: control unit

122: application processing unit 124: royalty API call unit

126: Loyalty API execution unit 130: Printing unit

140: communication unit 200: VAN server

300: card company server 310: card company DB

312: Card Information DB 314: Royalty Information DB

Claims (24)

Request payment approval and royalty information according to whether there is a royalty policy corresponding to the user card requested for payment, identify the card company corresponding to the request response, and output the royalty information together with the payment information according to the royalty policy of the card company. A card terminal; A VAN server identifying a card company corresponding to the payment request of the card terminal and requesting payment approval and royalty information from the card company server; Approving the payment request received from the VAN server, and generates and stores royalty information according to the loyalty policy based on the payment information, and responds to the card terminal through the VAN server to the royalty information and payment approval Loyalty service system including; card company server. The method of claim 1, The card terminal is a royalty service system, characterized in that for requesting the royalty policy to the card company server to download. The method of claim 1, When the user card is an MS card, the card terminal requests the royalty information from the card company server according to a royalty inquiry request of the user card, receives a response from the card company server, and receives the royalty according to the royalty policy. Loyalty service system characterized by outputting information. The method of claim 1, And when the user card is an IC card, the card terminal receives royalty information stored in the IC card according to a royalty inquiry request of the user card and outputs the royalty information according to the royalty policy. The method of claim 1, The card terminal is a royalty service system, characterized in that the EMV (Europay, Master, Visa) terminal. 6. The method according to any one of claims 1 to 5, The card terminal, A plurality of card company's loyalty API execution units for processing the received royalty information according to each card company's loyalty policy, A royalty API calling unit for calling a royalty API performing unit of a card company corresponding to the payment request; The payment information and the royalty information are requested by checking the existence of the royalty policy according to the type of the user card, and the payment information and the royalty API processing unit are processed by requesting the processing of the royalty information according to the response. A royalty service system comprising an application program processing unit for controlling the output of the royalty information. The method of claim 6, The card terminal further comprises a printing unit for outputting the processed royalty information and payment information. The method of claim 6, The card terminal A card interface for recognizing the user's card; Royalty service system further comprises a communication unit for performing communication with the VAN server. The method of claim 6, The plurality of card company's loyalty API execution unit, the loyalty service system, characterized in that the loyalty policy of the card company in advance. The method of claim 1, The VAN server is a royalty service system, characterized in that for identifying the card company according to the BIN (Bank Identification Number) contained in the card number of the user card. The method of claim 1, The card company server includes a card information DB storing user information and payment information related to the user card, and a royalty DB storing royalty information according to the royalty policy in relation to the user card. The method of claim 1, The user card comprises an MS (Magnetic Stripe) card and the IC card. When the user card requests payment, the card terminal requests payment approval and royalty information from the VAN server according to whether a royalty policy exists, and the VAN server identifies the card company and sends the payment approval and the royalty information to the card company server. Requesting approval request step; The card company server approves the payment request, generates and stores royalty information according to the loyalty policy based on the payment information, and responds to the card terminal through the VAN server. Wow; An information processing step of the card terminal identifying the card company from a response of the card company server and processing the royalty information according to a corresponding royalty policy; And outputting the processed royalty information and payment information. The method of claim 13, The authorization request step, if the user card is an MS card, the card terminal checks whether the royalty policy exists. The method of claim 13, The authorization request step, if the user card is an IC card, the card terminal receives the card company information from the IC card to determine whether there is a royalty policy of the card company. The method of claim 13, The responding step is a royalty service method, characterized in that the card company server stores the generated royalty information in a royalty information DB. The method of claim 13, In the information processing step, the card terminal calls the loyalty API execution unit of the identified card company to control the output of the loyalty information. The method of claim 13, And a post-processing step of transmitting and storing the processed royalty information to the IC card in the case of the user card IC card. The method according to any one of claims 13 to 18, A downloading step of the card terminal requesting and downloading the loyalty policy to the card company server through the VAN server; And providing the downloaded royalty policy by the card terminal calling the corresponding card company royalty API execution unit. The method according to any one of claims 13 to 18, Confirming, by the card terminal, a loyalty policy for each card company with a loyalty API execution unit for each card company; An acknowledgment step of responding the loyalty policy by the card company's loyalty API execution unit; And transmitting, by the card terminal, the confirmed royalty policy to the card company server through the VAN server. The method of claim 20, In the transmitting step, the card terminal transmits the royalty policy to the card company server on a SOD (Start Of Day). The method according to any one of claims 13 to 18, An inquiry step of the card terminal inquiring royalty information according to the type of the user card when the user card requests a royalty inquiry; And a query output step of outputting the inquired royalty information according to a corresponding royalty policy. The method of claim 22, The inquiry step includes an information request step of requesting the royalty information to the card company server when the user card is an MS card; And an information response step in which the card company server searches for and responds to the royalty information related to the card information. The method of claim 22, And wherein said inquiring step receives card information and royalty information from said IC card when said user's card is an IC card.
KR1020090016685A 2009-02-27 2009-02-27 System and method for loyalty service KR20100097833A (en)

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