KR20100123263A - Affiliated device, method for controlling and program recording medium - Google Patents

Abstract

PURPOSE: An affiliated device, a method for controlling the same, and a program recording medium are provided to supply the loyalty service of a loyalty service provider by dynamically controlling the some of payment actions through the downloading of the loyalty operating condition information. CONSTITUTION: A memory unit(150) includes a storage region for storing loyalty operation condition information, and an information storage unit(155) stores the loyalty operation condition information at the storage region. An information confirmation unit(160) checks over whether or not the loyalty operation condition information is stored in valid. If the loyalty operation condition information is confirmed, a loyalty service operation controller(165) dynamically controls the payment operation of the franchise store.

Description

Affiliated Device, Method for Controlling and Program Recording Medium}

1 is a diagram illustrating a functional configuration of an affiliated store terminal according to an embodiment of the present invention.

2 is a diagram illustrating a royalty service agency system configuration according to an embodiment of the present invention.

3 is a diagram illustrating an operation of an affiliated store terminal according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a royalty service proxy process according to an embodiment of the present invention.

5 is a diagram illustrating an operation of an affiliated store terminal according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a transaction approval process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: merchant terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: power supply unit

130: communication processing unit 135: security application module

140: print output unit 145: printing apparatus

150: memory unit 155: information storage unit

160: information confirmation unit 165: loyalty service operation control unit

As the recognition of the necessity of providing loyalty service increases, some card companies and large merchants who have built customer information in the payment field have established a loyalty management system that manages customer loyalty through CRM (Customer Relationship Management) analysis. The loyalty management system, however, is almost completely killed by the problems that cannot solve the fundamental problem of invasion of privacy in terms of using customer information and the inaccuracy of CRM analysis.

In particular, some of the conventional loyalty management system was operated by granting a loyalty management function interworking with the loyalty management system to the affiliated terminal provided in each affiliate store, for this purpose, each card company has a separate dedicated merchant with the loyalty management function. The terminal was developed / produced and distributed to each affiliated store.

However, the conventional merchant terminal interworking with the loyalty management system has a problem that the card payment function and the loyalty management function are dependent / dependent on the loyalty management system, and the card company supplying the same develops / produces a separate dedicated merchant terminal. There is a cost problem that must be done.

The purpose of the present application for solving the above problems, when not providing a royalty service is used as a general merchant terminal operating in accordance with the basic payment operation, in conjunction with the royalty service agency system to provide a royalty service of a particular royalty service provider In the case of providing, the royalty service condition information corresponding to the royalty service condition and royalty service information registered by the royalty service provider is downloaded, and a part of the payment operation is dynamically controlled to provide royalty service service of the royalty service provider. It is to provide a merchant terminal providing a.

Another object of the present application is to dynamically control a part of the affiliated store terminal operation through the royalty operating condition information, and the purchase recency for each affiliate store for the loyalty service provider without developing / producing a separate affiliated terminal (Recency; R), to provide a merchant terminal providing a royalty service that improves the purchase frequency (F), purchase amount (Monetary; M).

Merchant store terminal control method according to the present invention, by using one or more of the number of transactions, the transaction amount, the transaction date and time for the card (Recency; R), the frequency of purchase (Frequency; F), the purchase amount (M) providing a storage unit for storing royalty operating condition information for each loyalty service provider for dynamically controlling a part of a payment operation of a merchant terminal to improve at least one of (Monetary; M); Receiving royalty operation condition information for each royalty service provider corresponding to a royalty service agency request from a server and storing the royalty operating condition information in a storage area provided in the memory unit; and card information corresponding to the payment processing during the payment processing of the affiliated store terminal; Checking whether the card information is a royalty service target card information, and checking the confirmed royalty service target in the storage area. Checking whether the royalty operating condition information for each royalty service provider that provides a royalty service for the target information is stored effectively; and if the royalty operating condition information is confirmed, reading the royalty operating condition information to read the royalty service provider. Identifying one or more royalty operating conditions for providing a royalty service of the service, and dynamically controlling a payment operation of the affiliated store terminal according to the royalty operating conditions.

In addition, the step of determining whether the card information corresponding to the payment processing is the loyalty service target card information, after transmitting the full text (1) including the card information to the Bansa server, the full text (2) received from the Bansa server And reading the card information to determine whether the card information is the loyalty service target card information.

According to the present invention, the step of confirming whether the card information corresponding to the payment processing is the loyalty service target card information comprises: BL (Black) corresponding to the BIN (Bank Identification Number) range for the loyalty service target card in the loyalty operating condition information. When the list (PL) information or the positive list (PL) information is included, the card information is compared with the BIN information included in the card information read for the payment processing and the BL information or the PL information of the BIN range, and the card information is a card subject to royalty service. It further comprises the step of checking whether the information.

The method may further include determining one or more royalty operating conditions for providing the royalty service of the royalty service provider by reading the royalty operating condition information, and dynamically controlling the payment operation of the affiliated store terminal according to the royalty operating conditions. The input information item to be added to the payment screen output to the screen of the affiliated store terminal, royalty service interface information for inputting (or selecting) one or more royalty service related information corresponding to the input information item, and the royalty service interface Confirm interface output conditions for dynamically inserting and outputting the payment screen of the merchant terminal, and dynamically inserting and outputting a royalty service interface including the input information item to the payment screen according to the interface output conditions; The.

The method may further include determining one or more royalty operating conditions for providing the royalty service of the royalty service provider by reading the royalty operating condition information, and dynamically controlling the payment operation of the affiliated store terminal according to the royalty operating conditions. When one or more royalty service related information is input (or selected) to provide a royalty service of the royalty service provider, a professional processing condition for including the royalty service related information in a message transmitted from the merchant terminal to bansa, and the royalty Check the transaction conditions specifying the method and order and the number of transmission of the full-text including the service-related information to the bansa, and transmit the full-text including the royalty-related service information to the bansa according to the professional processing conditions and transaction conditions Characterized in that.

The method may further include determining one or more royalty operating conditions for providing the royalty service of the royalty service provider by reading the royalty operating condition information, and dynamically controlling the payment operation of the affiliated store terminal according to the royalty operating conditions. When one or more royalty service related information is input (or selected) to provide a royalty service of the royalty service provider, a protocol specification for transmitting the royalty service related information from the merchant terminal to bansa and the protocol specification according to the protocol specification. A transaction condition designating a method, an order, and a number of the royalty service related information is transmitted to the bansa, and the royalty service related information is transmitted to the bansa according to the protocol specification and the transaction condition.

The method may further include determining one or more royalty operating conditions for providing the royalty service of the royalty service provider by reading the royalty operating condition information, and dynamically controlling the payment operation of the affiliated store terminal according to the royalty operating conditions. An output information item to be added to a payment screen output to the screen of the merchant terminal, royalty service interface information for outputting one or more information corresponding to the output information item, and the royalty service interface to the payment screen of the merchant terminal Confirm the interface output condition for insertion and output, and dynamically insert and output a royalty-service interface including the output information item on the payment screen according to the interface output condition.

According to the present invention, the royalty service provider, characterized in that it comprises any one of the card company, affiliated stores, merchant-card company consortium.

According to the present invention, the royalty service conditions are one of the number of transaction conditions, cumulative transaction amount condition, recent transaction amount condition, recent transaction date condition, card company condition, merchant condition, event temporary condition It is characterized by including the above or a combination of two or more conditions.

According to the present invention, the royalty service condition is characterized in that one or more royalty service conditions (or a combination of two or more royalty service conditions) are divided into two or more condition steps.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the aforementioned method for controlling a merchant terminal.

Merchant terminal according to the present invention, by using one or more of the number of transactions, transaction amount, transaction date and time for the card purchase recency (R), purchase frequency (Frequency; F), purchase amount (Monetary) for the card A memory unit having a storage area for storing royalty operation condition information for each loyalty service provider for dynamically controlling a part of a payment operation of a merchant terminal to improve one or more of M; and a loyalty service agency request of a loyalty service provider An information storage unit for receiving royalty operating condition information for each service provider corresponding to the information from a server and storing the information in a storage area provided in the memory unit, and card information corresponding to the payment processing when the merchant terminal pays Check whether the service target card information, and target the confirmed royalty service target card information in the storage area. An information checking unit for confirming that royalty operating condition information for each royalty service provider providing a royalty service is effectively stored; and if the royalty operating condition information is confirmed, the royalty operating condition information is read to provide a royalty service of the royalty service provider. It includes a royalty service operation control unit for determining one or more royalty operating conditions for providing a, and dynamically controls the payment operation of the merchant terminal according to the royalty operating conditions.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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

1 is a diagram illustrating a functional configuration of an affiliated store terminal 100 according to an embodiment of the present invention.

In more detail, Figure 1 shows a loyalty service provider including any one of a card company, an affiliated store, and a merchant-card company consortium, using one or more of the number of transactions, the amount of transaction, and the date and time of purchase of the card. When you register royalty service conditions and royalty service information to improve one or more of Recency (R), Frequency (F), and Purchase amount (M), the royalty service provider registers with the royalty service provider. As the configuration of the merchant terminal 100 dynamically controlling a part of the payment operation of the merchant terminal 100 through the royalty service condition information for each royalty service provider corresponding to the condition and the royalty service information, the present invention belongs to Persons of ordinary skill in the art may refer to and / or modify the drawing 1 and the affiliated store While various implementation methods (eg, some implementations may be omitted, subdivided, or combined) with respect to the functional configuration of 100 may be inferred, the present invention includes all implementation methods inferred above. However, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, the affiliated store terminal 100 basically includes a control unit 105, a memory unit 150, a card reader unit 110, a key input unit 120, a screen output unit 115, and a communication processing unit ( 130 and the security application module 135 and the print output unit 140 and the power supply unit 125 for supplying power to the merchant terminal 100, at least one or more various terminal functions according to the intention of those skilled in the art A portion (eg, signature pad, not shown) or the like.

The controller 105 controls the overall operation of the affiliated store terminal 100 in terms of function configuration, manages the flow of data between the respective components, and interoperates and controls each component provided in the affiliated store terminal 100. And one or more processors including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) and execution memory (e.g., registers and / or random access memory (RAM)) and a bus for inputting and outputting data. Program routines (Routine) and / or program data which is loaded by the processor from the recording medium to the execution memory in order to perform a function specific to the merchant terminal 100 by software, and is processed by the processor (Thus, a program recorded on a recording medium provided in the affiliated store terminal 100 for the local currency payment support function, and / or prize And also shown to be provided with a functional structure capable of handling components provided by software in the merchant terminal 100 within the controller 105) is characterized in that formed.

According to the present invention, the control unit 105 inputs the card information read through the card reader unit 110, inputs the transaction amount input through the key input unit 120, and inputs the input transaction value. Generates a telegram including one or more card information, transaction amount and transaction date and time (e.g., obtained from a timer) and merchant information (e.g., stored in the memory unit 150) and transmits to the bansa server through the communication processing unit 130. It is characterized in that the payment processing function is basically provided.

The memory unit 150 is a generic term for a nonvolatile memory that stores program codes and data sets for controlling the overall operation of the affiliated store terminal 100. The memory unit 150 includes electrically erasable and programmable read only memory (EPEPROM) and flash memory (FM). It includes at least one or more storage means including a hard disk drive (HDD), and basically stores the merchant information for the card payment processing.

According to the present invention, the memory unit 150 purchases recency (R), purchase frequency (F), and purchase of the loyalty service target card according to the loyalty service condition and the loyalty service information registered by the loyalty service provider. And a storage area for each royalty service provider for storing royalty operation condition information for each royalty service provider that dynamically controls a part of the payment operation of the affiliated store terminal 100 to improve at least one of the monetary amount (M). It is characterized by.

The royalty operating condition information may include one or more condition values (eg, variable values or constant values to be used by the royalty program code) for dynamically controlling an operation of the affiliated store terminal 100 for a royalty service, and the control condition values. In connection with the control information set for providing the information input and output of the merchant terminal 100 and the interface screen, and if the royalty information to be applied to the payment information from the royalty service agency system, the royalty information to the payment information ( Or one or more royalty-related information sets including formulas (or conditions) for application to the transaction details.

Here, the royalty operating condition information outputs input information items to be input from the affiliated store terminal 100 to provide the royalty service, royalty service interface information for inputting each input information item, and the royalty service interface. It is preferable to include one or more interface output conditions.

For example, when the loyalty service of the loyalty service provider is to partially select and use credit card company points and merchant points accumulated in the card information, the input information item may be credit card company points and merchants accumulated in the card information. It is preferable to include an information item for inputting a point type and a point ratio to be used among the points, wherein the loyalty service interface information outputs a card company point and an affiliate store point included in the card information, and a point to be used among the card company point and the affiliate store point. It is preferable to include a user interface for inputting (or selecting) a type and a point ratio, wherein the interface output condition is to output the royalty service interface information after the card information is read or a transaction in association with a conventional transaction interface screen. Amount It comprises a condition for outputting after ryeokdoen, or to the output of the transaction authorization is preferred.

According to an embodiment of the present invention, it is preferable that the input information item of the royalty operating condition information includes a customer approval information item to which the customer corresponding to the card information receives the royalty service of the royalty service provider. .

The royalty operating condition information includes output information items to be output from the affiliated store terminal 100 to provide the royalty service, royalty service interface information for outputting each output information item, and an interface output for outputting the royalty service interface. Including a condition, and in the case of printing the output information item, it is preferable that the print information further comprises a print format information for printing the output information item.

For example, the loyalty service of the loyalty service provider partially selects and uses credit card company points and merchant points accumulated in the card information, and the point type and point ratio entered (or selected) through the loyalty service interface. When the transaction using the corresponding point is processed, the output information item includes card company points, merchant points and transaction amount corresponding to the point type and the point ratio used in the transaction, and the royalty service interface includes the output information. A user interface for adding an item to a conventional transaction result screen and outputting the item, wherein the interface output condition includes an order of adding the royalty service interface to a conventional transaction result screen and an output position of an output information item; Is the payment receipt Format for outputting the output information item, or which comprises a separate loyalty service result receipt format is preferred.

The royalty operating condition information includes a professional processing condition for transmitting information from the affiliated store terminal 100 to a bansa server to provide the loyalty service, or including information related to the loyalty service in a preamble received from the bansa server; It is preferable to include a method of transmitting / receiving the full message to a bansa server (or a royalty service agency system) and a transaction condition that specifies the order and number of times.

For example, the loyalty service of the loyalty service provider partially selects and uses credit card company points and merchant points accumulated in the card information, and inputs (or selects) the point type and point ratio through the loyalty service interface. If so, the precondition processing conditions include a condition for constructing a mixed preamble by inserting the point type and the point ratio into the preamble payment request request, the transaction condition is the bansa server for the preamble payment request request preamble A transaction condition for receiving a payment approval result including a transaction amount deducted using a point corresponding to a point type and a point ratio after transmission, or the card information, transaction amount, point to the bansa server Separate point transactions, including type and percentage of points. After transmitting the full text, receiving the transaction amount (2) deducted using the points corresponding to the point type and the point ratio from the transaction amount, and generating the full text of the payment approval request including the transaction amount (2). It is desirable to include two transaction conditions sent to the server.

The royalty operating condition information is transmitted from the affiliated store terminal 100 to a bansa server, or in addition to a full text received from the bansa server, the bansa server (or royalties) related to the royalty service information to provide the royalty service. A transaction specification for specifying a protocol specification for transmitting / receiving a service agent system) and a method, order, and number of times of transmitting / receiving the royalty service-related information to the bansa server (or royalty service agency system) according to the protocol specification. It is preferable to comprise a.

For example, the loyalty service of the loyalty service provider partially selects and uses credit card company points and merchant points accumulated in the card information, and inputs (or selects) the point type and point ratio through the loyalty service interface. In this case, the protocol specification preferably includes an information exchange protocol structure for transmitting the card information, the transaction amount, the point type and the point ratio to the bansa server (or directly to the loyalty service agency system) in addition to the full payment approval request. The transaction condition may transmit the card information, the transaction amount, the point type, and the point ratio to a bansa server (or directly to a loyalty service agency system) according to the protocol specification, and transmit the full text of the payment approval request to the bansa server. After that, point and point The card information, the transaction amount, the point type and the point ratio according to the 1.5 transaction conditions for receiving the payment approval result message including the transaction amount deducted using the point corresponding to the transaction rate, or the protocol specification. Receive the transaction amount (2) deducted using the point corresponding to the point type and the point ratio from the transaction amount after transmitting to the Bansa server (or directly to the loyalty service agency system), and includes the transaction amount (2) It is preferable that the transaction authorization request is made to include a two-time transaction conditions to generate and send to the bansa server.

According to the exemplary embodiment of the present invention, when the royalty service provider includes a card company, the royalty operating condition information preferably includes a range of a royalty service target BIN for the royalty service object among the cards issued by the card company. The BIN range of the loyalty service object includes one or more BL (Black List) information not included in the loyalty service object among the cards issued by the card company, and at least one positive list (PL) information to be included in the loyalty service object. It is preferable.

The customer requesting the card payment through the affiliated store terminal 100, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, based on the ISO / IEC 7816 standard contact IC card, ISO / IEC 14443 standard It possesses (or owns) a card including at least one contactless IC card, and the card reader unit 110 provides an interface for reading card information included in the card.

According to the exemplary embodiment of the present invention, the card reader unit 110 provides an interface between the MS reader unit providing the interface between the MS card and the affiliated store terminal 100 and the contact IC card and the affiliated store terminal 100. It comprises a contact IC reader to provide, one or more contactless IC reader for providing an interface between the contactless IC card and the merchant terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810. The MS reader unit includes one or more magnetic heads including coils, and includes card information (eg, magnetized binary data). When the MS card recorded therein is in close contact with the magnetic head and moves in a specific direction (or the magnetic head moves in close contact with the MS card in which card information is recorded), the MS is loaded using an electrical signal. The card information may be interfaced to the affiliated store terminal 100 from one or more tracks provided in the MS of the card.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816, and includes one or more contact points that make electrical contact with a chip on board (COB) provided in a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and receiving card information from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface with).

The non-contact IC reader unit is a card reader unit 110 based on ISO / IEC 14443. The non-contact IC reader unit forms an electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It comprises the above antenna, the power supply to the IC chip of the IC card through the antenna, the card information from the IC chip through the half-duplex (Half Duplex) transaction using the APDU merchant terminal 100 It is characterized by interfacing to.

The key input unit 120 is inputted from a key input device having one or more key buttons including one or more number keys, character keys, and function keys. (Or a signal), and generates a key event corresponding to the detected information (or signal) in a specific operation mode (or input mode) of the affiliated store terminal 100 controlled by the controller 105, The generated key event is provided to the controller 105, wherein the controller 105 obtains key data corresponding to the key event or obtains a command for executing a function matching the key event. Characterized in that. The key input unit 120 and the key input device having one or more key buttons interoperate with each other to perform a function of key input means provided in the affiliated store terminal 100.

The screen output unit 115 displays various interface screens and information generated by the controller 105 in the process of providing each function defined in the affiliated store terminal 100 (Liquid Crystal Display). Characterized in that the output through the screen output device, such as the screen output unit 115 and the screen output device in conjunction with each other performs the function of the screen output means provided in the affiliated store terminal (100).

The communication processing unit 130 is provided with a network communication unit for connecting the communication channel and the card payment system through a communication network in the process of providing each function defined in the merchant terminal 100, intention of those skilled in the art According to the present invention, the apparatus may further include a cable communication unit connecting a peripheral device and a cable communication session, or a short range wireless communication unit connecting a peripheral device (or a wireless terminal) and a short range wireless communication session. The communication channel (or Communication protocol) and driver for connecting the communication session.

The network communication unit may include a wired communication network including at least one of an xDSL-based wired communication network, a public switched telephone network (PSTN), an intelligent network, and an Ethernet, or a code division multiple access (CDMA) / WCDMA ( It is characterized by connecting a communication system with a card payment system through a wireless communication network including at least one of a Wide-CDMA (Mobile) -based mobile communication network, a High-Speed Downlink Packet Access (HSDPA) -based wireless communication network, and an IEEE 802.16x-based mobile Internet. And a modem or a network interface card (NIC) for connecting the affiliated store terminal 100 to the communication network in hardware, and to connect the affiliated store terminal 100 to the communication network in software. It comprises a communication protocol and / or a driver for.

The secure application module 135 (SAM) is a confidentiality (Authentication), Authentication (Integrity), non-repudiation (Required) required in the process of the merchant terminal 100 to pay the card ( As a safety device for performing a security requirement including a nonrepudiation) in a secure and reliable structure within the affiliated store terminal 100 without using a communication network, a process of performing the security request function by the affiliated store terminal 100. Encrypts or decrypts the message processed by the service provider, adds an authenticator to prevent forgery (or tampering) of the message, or stores important information in the process of performing the security request function. .

The print output unit 140 prints the print data generated (or confirmed) by the controller 105 in a process of providing each function defined in the affiliated store terminal 100 and displaying a result thereof. 145 (for example, a receipt printer), and includes a printing protocol and a driver for printing the print data through the printing apparatus 145 in accordance with a predefined printing form.

Referring to FIG. 1, the affiliated store terminal 100 receives royalty operating condition information for each royalty service provider corresponding to a royalty service agency request of a royalty service provider and stores the royalty service provider for each royalty service provider included in the memory unit 150. And an information storage unit 155 for storing in the area.

Royalty service conditions and royalty service information for the royalty service provider to improve one or more purchase recency (R), purchase frequency (F), and purchase amount (M) of card information for the royalty service provider in a royalty service agency system When registering, the royalty service agency system generates and provides royalty operating condition information corresponding to the royalty service condition and royalty service information, and the information storage unit 155 provides the royalty service agency system (or via Bansa). And receiving royalty operation condition information for each royalty service provider corresponding to a royalty service agency request from the royalty service provider and storing the same in a storage area for each royalty service provider.

Referring to FIG. 1, the affiliated store terminal 100 determines whether the card information corresponding to the payment process is royalty service target card information, and applies the royalty service to the identified royalty service target card information in the storage area. And an information confirming unit 160 for confirming that the royalty operating condition information for each of the provided royalty service providers is effectively stored.

When card information is read through the card reader unit 110 or a transaction amount is input through the key input unit 120, and the card payment is started, the information checking unit 160 corresponds to a card corresponding to the payment processing. Verify that the information is loyalty service card information.

If the loyalty service provider does not limit the loyalty service object to a card issued by a specific card company to the affiliated store provided with the affiliated store terminal 100, the information checking unit 160 reads through the card reader unit 110. It is advisable to identify all cards that are eligible for royalty services.

If the loyalty service provider is a card company or is set as a merchant-card company consortium, the loyalty service target card is limited to a card issued by a specific card company, and the royalties are stored in the royalty operating condition information stored in the storage area of the memory unit 150. When BL (Black List) information or PL (Positive List) information on the target BIN range is included, the information checking unit 160 is included in the BIN information included in the read card information and the royalty operation condition information. It is preferable to check whether the card information is the loyalty service target card information by comparing the BL information or PL information in the BIN range.

Alternatively, the information confirming unit 160 checks whether the full text including the read card information is transmitted to the bansa server, and receives the full text including the royalty information of a specific loyalty service provider from the bansa server. When the full text including the loyalty information of the service provider is received, it is preferable to confirm the read card information as the loyalty service target card.

When the read card information is confirmed as a loyalty service target card, the information checking unit 160 provides royalty operation condition information for each loyalty service provider that provides a loyalty service for the confirmed loyalty service target card information in the storage area. It is characterized by checking whether is stored effectively.

According to an exemplary embodiment of the present invention, when royalty service provision period is included in royalty operating condition information for each royalty service provider stored in the storage area, the information checking unit 160 determines whether the current date and time are included in the royalty service provision period. When the current date and time are included in the royalty service providing period, it is preferable to confirm that the royalty operating condition information is valid.

According to another exemplary embodiment of the present invention, when the royalty operating condition information includes BL (Black List) information or positive list (PL) information on a range of BINs subject to royalty services, the information checking unit 160 determines the payment. Comparing the BIN information included in the card information read for processing with the BL information or PL information of the BIN range to confirm whether the card information is the loyalty service target card information, and the card information is confirmed as the loyalty service target card information. In this case, it is preferable to confirm that the royalty operating condition information is valid.

For example, when the read card information is not included in the BL information of the BIN range or is included in the PL information, the information checking unit 160 preferably checks the card information as the loyalty service target card information. .

Referring to FIG. 1, when it is confirmed that valid royalty operating condition information is stored in the storage area, the affiliated store terminal 100 reads the royalty operating condition information to provide one or more royalty services of the royalty service provider. And a royalty service operation controller 165 for checking a royalty operating condition and dynamically controlling a payment operation of the affiliated store terminal 100 according to the royalty operating condition.

It is confirmed that valid royalty operating condition information is stored in the storage area, input information items to be input from the affiliated store terminal 100 to the royalty operating condition information, royalty service interface information for inputting each input information item, and the When an interface output condition for outputting a royalty service interface is included, the royalty service operation controller 165 may include an input information item to be added to a payment screen output through the screen output unit 115 from the royalty operation condition information; And an interface for dynamically inserting and outputting royalty service interface information for inputting (or selecting) one or more royalty service related information corresponding to the input information item and the royalty service interface to a payment screen of the affiliated store terminal 100. Check the output condition, the input And it outputs the dynamic insertion of a payment screen based royalties service interface including the information item to the interface output condition.

According to an embodiment of the present invention, the input information item may include a customer approval information item for the loyalty service, or one or more to be provided to the card when there are a plurality of royalties that can be provided to the card in response to the loyalty service. It may include a royalty selection item for selecting a royalty, the input information item may be implemented in a variety of modifications according to the type of royalty service and the intention of those skilled in the art, the present invention comprises all the above-described implementation method .

Or, the professional processing conditions for transmitting the information related to the royalty service in the telegram transmitted from the merchant terminal 100 to the bansa server or received from the bansa server in the royalty operating condition information, the bansa server ( Or a transaction condition specifying a method of transmitting / receiving to a royalty service agent system and a sequence and a number thereof, the royalty service operation control unit 165 may provide a royalty service service of a royalty service provider through the royalty service interface. When one or more royalty service related information is inputted (or selected) to provide, professional processing conditions for including royalty service related information in a preamble transmitted from the merchant terminal 100 to bansa, and the royalty service related information are included. Method, order and number of full texts sent to the bansa It is preferable to check the transaction conditions that specify the, and to transmit to the bansa full text including the royalty-related service information in accordance with the precondition and transaction conditions.

Or a protocol specification for transmitting / receiving information related to the royalty service to the bansa server (or a royalty service agency system) in the royalty operating condition information, and the royalty service related information according to the protocol specification. Or a transaction condition specifying a method and order and a number of times of transmission / reception to a royalty service agency system), the royalty service operation controller 165 provides a royalty service service of a royalty service provider through the royalty service interface. When one or more royalty service related information is inputted (or selected), the protocol specification for transmitting the royalty service related information from the merchant terminal 100 to bansa and the royalty service related information according to the protocol specification are recalled. How to send it to bansa Check the condition of the transaction, specify the server and the number of times, and according to the protocol specification, and transaction conditions it is desirable to transmit the service information to baensa royalty.

Alternatively, when the royalty operating condition information includes an output information item to be output from the affiliated store terminal 100, royalty service interface information for outputting each output information item, and an interface output condition for outputting the royalty service interface, The royalty service operation controller 165 outputs an output information item to be added to a payment screen output through the screen output unit 115 from the royalty operation condition information and one or more information corresponding to the output information item. Confirming interface output conditions for dynamically inserting and outputting royalty service interface information and the royalty service interface into the payment screen of the affiliated store terminal 100, and outputting a royalty service interface including the output information item to the interface output condition Follow the payment on the screen It is preferable to output the insertion.

Alternatively, royalty information to be applied to payment information is provided to the affiliated store terminal 100 and royalties including formulas (or conditions) for applying the royalty information to payment information (or transaction details) in the royalty operating condition information. When an application information set is included, the royalty service operation controller 165 checks whether royalty information for providing a royalty service of the royalty service provider is received, and if the royalty information is received, payment information (or transaction history). It is preferable to apply the royalty information to

2 is a diagram showing the configuration of a royalty service proxy system according to an embodiment of the present invention.

In more detail, Figure 2 illustrates a system configuration for acting on behalf of tenty services by card information for each merchant based on transaction details confirmed through Bansa by a request for agency service agency (or card company), the present invention Those skilled in the art may refer to and / or modify this drawing 2 to implement various methods of implementing the loyalty service agency system (eg, some components are omitted, subdivided, or combined). Method) can be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

According to the present invention, the royalty service agency system, having the configuration shown in Figure 1 includes an affiliated store terminal 200 provided in the affiliated store, bansa server 210 and the authorization server 205 provided in the card company And a royalty server 225 connected to the bansa server 210 on the card payment system, wherein the royalty server 225 uses the royalty service conditions and royalty service information registered by the royalty service provider. Check the loyalty information corresponding to the card information and / or merchant information included in the preamble transmitted from the terminal 200 (or authorization server 205) to the bansa server 210, and through the loyalty information the card information For loyalty services that improve one or more purchase recency (R), purchase frequency (F), and monetary (M) for (or merchant information) To provide the features.

The affiliated store terminal 200 includes at least one CAT (Credit Authorization Terminal) and a POS (Point of Sales) terminal provided in a loyalty target affiliate store that provides a loyalty service through the loyalty server 225, It further comprises a local server provided in the merchant, and generates (or confirms) the full text (1) including the card information, transaction amount and merchant information read from the customer's card to transmit to the bansa server 210 through the communication network Characterized in that.

According to an embodiment of the present invention, the affiliated store terminal 200, the loyalty program to operate in accordance with the loyalty service agency operation of the merchant terminal 200 according to the royalty operating condition information provided from the loyalty service agency system It is desirable to record the code.

Here, the loyalty program code is provided in the affiliated store terminal 200 before the loyalty service agency is started or provided to the affiliated store terminal 200 through the communication network at the time when the loyalty service agency is started, and the recording is performed. It is preferable to record on the medium.

The royalty operating condition information includes one or more condition values (eg, variable values or constant values to be used by the royalty program code) for dynamically controlling the operation of the affiliated store terminal 200 for the royalty service, and the affiliated store terminal ( A control information set for dynamically controlling information input / output, interface screen output, and information transmission / reception, and royalties information to be applied to at least one of card information and transaction amount from the royalty server 225, the royalty It is preferred to include one or more sets of royalty information, including formulas (or conditions) for applying the information to one or more of the card information and the transaction amount.

According to the exemplary embodiment of the present invention, the royalty operating condition information includes input information items to be input at the affiliated store terminal 200 to provide the royalty service, royalty service interface information for inputting each input information item, and Preferably, at least one interface output condition for outputting the royalty service interface is included.

The royalty operating condition information includes output information items to be output from the affiliated store terminal 200 to provide the royalty service, royalty service interface information for outputting each output information item, and an interface output for outputting the royalty service interface. In the case of printing the output information item and including the condition, it is preferable that the printout information further includes print format information for printing and outputting the output information item.

The royalty operating condition information is transmitted to the bansa server 210 from the affiliated store terminal 200 to provide the royalty service, or includes information related to the royalty service in a preamble received from the bansa server 210. It is preferable to include a precondition processing conditions, and a transaction condition for specifying the method and the order and number of the transmission and reception of the preamble to the bansa server 210.

The royalty operating condition information, in addition to the full text transmitted from the merchant terminal 200 to the bansa server 210 or received from the bansa server 210, in order to provide the royalty service information related to the royalty service A protocol specification for transmitting / receiving to the bansa server 210 and a transaction condition for specifying a method, order, and number of times of transmitting / receiving the royalty service related information to the bansa server 210 according to the protocol specification. It is preferable to make it.

If a dynamic (or temporary) change (or addition) of the operation control of the affiliated store terminal 200 is required through the royalty operating condition information provided in the affiliated store terminal 200, the affiliated store terminal ( It is preferable that terminal operation control information for changing (or adding) the operation of 200 to dynamic (or temporary) is provided to the affiliated store terminal 200.

For example, when a royalty operation condition for providing a royalty service of a card company A includes conditions for applying royalty information received from the bansa server 210 to at least one of card information and a transaction amount, the terminal operation. The control information preferably includes a code (or information) for changing corresponding to the manner in which the royalty information is applied to at least one of the card information and the transaction amount.

Alternatively, when a part of the condition is to be changed according to the policy of the card company A in a state in which the royalty service condition information includes a condition for providing a royalty service of the card company A, the terminal operation control information is And a code (or information) for changing one or more of a condition value, a control information set, and a royalty application information set included in the royalty operating condition information.

The bansa server 210, when the merchant terminal 200 generates and transmits a telegram (1) including card information, transaction amount and merchant information, receives the telegram (1), the telegram (1) Read the Bank Identification Number (BIN) information of the card information included in the identification server 205 to relay the full text (1), and check the full text (1) (or payment approval request) to the approval server 205. Information), and when the transaction approval result message including the transaction approval result corresponding to the preamble 1 is received from the approval server 205, the transaction approval result preamble is transmitted to the affiliated store terminal 200. It has a professional exchange function for relay transmission, but corresponding to the full-text (1) (or the full-text (1) transmitted from the merchant D / B 215 and the merchant terminal 200 for a royalty service agent according to the present invention) Full transaction approval result including the transaction approval result) It is preferable to have a transaction history D / B (220) for storing the transaction history, the merchant D / B (215) to the transaction history D / B (220) can be omitted, the royalty service When the provider includes a specific card company, the transaction history stored in the transaction history D / B 220 preferably includes card information corresponding to a card issued by the specific card company.

According to an embodiment of the present invention, the bansa server 210 has a function of a specialized receiving unit for receiving a preamble (1) including card information, transaction amount, and merchant information from the affiliated store terminal 200 on the loyalty service system. To perform.

The affiliated store D / B 215 stores the affiliated store information included in the preamble 1 transmitted by the affiliated store terminal 200 registered (or set) as a royalty target affiliate store by the royalty service agent system. As an example, the affiliated store information may include at least one affiliated store identification information and at least one affiliated store terminal 200 identification information.

The transaction history D / B 220 corresponds to the telegram (1) (or the telegram (1) transmitted from the affiliated store terminal 200 registered (or set) as a loyalty target merchant by the royalty service agency system). D / B for storing transaction details corresponding to the transaction approval result (including the transaction approval result) in full), wherein the transaction details include card information, transaction amount, transaction date and time, and merchant information. Bansa server 210, when the full text (1) is received from the merchant terminal 200, or the transaction approval result full text is received from the authorization server 205, the card information included in the full text and the transaction history D It is preferable to provide a function of checking whether the card information included in the preamble is the royalty-targeted card information by comparing the card information included in the transaction history stored in / B (220).

According to the implementation method of the present invention, the transaction history D / B 220 is a preamble (1) transmitted from the affiliated store terminal 200 registered (or set) as a loyalty target merchant by the royalty service agency system (or the It is preferable to store and maintain the transaction details corresponding to the transaction approval result text including the transaction approval result corresponding to the full text (1) for a predetermined period of time.

According to another exemplary embodiment of the present invention, the transaction history D / B 235 may be provided in the loyalty server 225, and in this case, the loyalty server 225 may include a card included in a preamble received from the affiliate store. It is possible to check whether the card information included in the preamble (1) is the royalty-targeted card information by comparing the information with the card information included in the transaction history stored in the transaction history D / B 235.

According to an exemplary embodiment of the present invention, when the full text 1 including card information, transaction amount and merchant information is received from the affiliated store terminal 200, the bansa server 210 transmits to the affiliated store D / B 215. Compare the stored merchant information and the merchant information included in the full text (1) to check whether the merchant corresponding to the merchant information is a royalty-targeted merchant, and if the merchant is identified as the royalty-targeted merchant, the preamble (1) Comparing the card information included in the transaction history stored in the transaction history D / B (220) for a certain period of time characterized in that whether the card information contained in the full text (1) is loyalty target card information do.

According to another exemplary embodiment of the present invention, when a transaction approval result text including card information, transaction amount, and merchant information is received from the authorization server 205, the bansa server 210 reads the transaction approval result text. Check whether the payment through the card information is approved, and if the payment approval is confirmed, the merchant information stored in the merchant D / B 215 and the merchant information contained in the transaction approval result is compared to the merchant information. Check whether the corresponding merchant is a royalty-targeted merchant, and if the merchant is identified as the royalty-targeted merchant, the card information included in the transaction approval result and the transaction history stored in the transaction history D / B 220 for a predetermined period of time. Comparing the included card information to check whether the card information included in the full transaction approval result is the card information for the royalty It is gong.

If the bansa server 210 is not equipped with the affiliated store D / B 215, the bansa server 210 may consider all the telegrams transmitted from all affiliates (or card companies) as a royalty service target telegram. Do.

Alternatively, when the transaction history D / B 220 is not provided in the bansa server 210, the bansa server 210 checks whether the card information included in the full text is royalty-targeted card information. It is possible for the server 225 to process it.

If the merchant information included in the telegram (1) is confirmed as royalty target merchant information, or the card information included in the telegram (1) is confirmed as royalty target card information, the bansa server 210 is included in the telegram The card information and the merchant information to the royalty server 225, and the royalty corresponding to one or more of the card information and the merchant information from the royalty service conditions and royalty service information registered by the royalty service provider from the royalty server 225. Receive information, or check royalty information corresponding to at least one of the card information and merchant information from the royalty service conditions and royalty service information, and apply the royalty information to at least one of the card information and the transaction amount. Receives the application, and receives the received royalties information merchant terminal 200 or Characterized in that provided in the server 205. The

Here, the royalty information, one of the merchant terminal 200, bansa server 210, the authorization server 205 is applied to one or more of the loyalty application target of the card information included in the full text (1) and the transaction amount Points, discount coupons, sweepstakes, including points, discount coupons, prizes, vouchers, or free vouchers, or at least one of the card information and transaction amount included in the preamble (1) in the loyalty server 225. It is preferable that the card information (eg, credit card information for which points are applied) and transaction amount (for example, a transaction amount discounted with a discount coupon) applied to the use right and a free use right.

According to the present invention, the royalty service agency system, the royalty service conditions registered by the royalty service provider, royalty service information for each royalty service condition, and royalty services for providing a royalty service according to the royalty service conditions and royalty service information And a storage medium 230 for storing service provider information and affiliate store information corresponding to a base for providing the royalty service, and the storage medium 230 is provided in the royalty server 225 or It is preferable that the royalty server 225 is provided at a place accessible through a network.

The royalty service condition includes a royalty service provision period, a royalty target card company condition, a royalty target merchant condition, a royalty event date and time condition, and an incentive for improving purchase recency (R) for the card information ( Or a recent transaction date and time for each card providing a penalty, a recent transaction date and time for each merchant providing an incentive (or a penalty) to improve purchase recency (R) for the merchant information, and the purchase frequency for the card information. Number of transactions per card to provide incentives (or penalties) to improve (Frequency; F), number of transactions per merchant to provide incentives (or penalty) to improve the frequency of purchases (F) for the merchant information To provide incentives (or penalties) to improve the purchase amount (M) of the card information. Including at least one cumulative transaction amount condition or recent transaction amount condition for each card, one or more cumulative transaction amount condition for each merchant or a recent transaction amount condition for providing an incentive (or penalty) to improve the purchase amount (M) for the merchant information. It is preferable to make or to combine two or more conditions.

Herein, the card company condition may include at least one card company information for identifying a card company providing a royalty service, and card identification information for identifying royalty card information (for example, BIN information of the card information for royalty). Preferably, the affiliated store condition includes affiliated store information for identifying an affiliated store that provides a royalty service.

The royalty service information for each royalty service condition includes incentive information or penalties to be provided as the card information to improve one or more purchase recency (R), purchase frequency (F), and purchase amount (M) for the royalty service provider. It is preferred to include information, and the penalty information preferably includes canceling (or withholding) provision of incentives.

According to the exemplary embodiment of the present invention, the royalty service information preferably includes card information to which the incentive (or penalty) is applied and royalty application information including one or more transaction amounts.

In addition, the loyalty service information, the loyalty information is automatically applied to the loyalty application target including the card information and one or more transaction amount, or the customer approval (or selection of the application target royalty) by the merchant terminal 200 Afterwards, it is preferable to further include royalty application condition information for applying the approved (or selected) royalty information to the application object.

If the royalty application condition information includes an automatic application condition, the method of confirming royalty information in the royalty server 225 and a path for transmitting / receiving a full text including (or applying) the royalty information vary by those skilled in the art. When the royalty application condition information includes application conditions after customer approval (or application target royalty selection), the royalty server 225 is applied to one or more royalty application objects of the card information and the transaction amount. Check the loyalty information, and the loyalty information is preferably provided to the affiliated store terminal 200 and applied to the loyalty application target through a customer approval (or application target loyalty selection) process.

According to an embodiment of the present invention, the royalty service conditions are conditions for improving one or more purchase recency (R), purchase frequency (F), and purchase amount (M) of the card information and / or merchant information. It is possible to divide and provide a plurality of steps, and in this case, it is preferable that the royalty service information for each of the royalty service conditions also includes a plurality of royalty service steps matching the royalty service condition step.

According to an embodiment of the present invention, the royalty service conditions are two for simultaneously improving the purchase recency (R), the purchase frequency (F), and the purchase amount (M) of the card information and / or merchant information. It is possible to include a combination of the above conditions, and the royalty service information for each royalty service condition is an incentive for the combination conditions (eg, R + F, F + M, M + R, R + F + M). Or, preferably, the penalty information.

The loyalty service provider may include one or more card companies, affiliated stores, and affiliated merchant-card company consortiums that register the royalty service conditions and royalty service information in the loyalty server 225.

According to one embodiment of the present invention, when the loyalty service provider is an affiliated store, the affiliated store does not designate a card issued by a specific card company, and purchases recurrence (R) and purchase frequency (F) for a card used at the affiliated store. ), It is preferable to include a merchant that registered a royalty service condition for improving one or more purchase amount (M).

According to another exemplary embodiment of the present invention, when the loyalty service provider is a card company, the card company does not designate a particular affiliated store, and purchases recentity (R), purchase frequency (F), It is preferable to include a card company that registers a royalty service condition for improving one or more purchase amount (M).

According to another embodiment of the present invention, when one or more affiliates designate (or affiliate) one or more loyalty service affiliate card companies, or one or more card companies designate (or affiliate) one or more loyalty service affiliate companies. A merchant-card company consortium for the loyalty service is automatically formed between the merchant and the card company. In this case, the loyalty service provider preferably includes the merchant-card company consortium.

The merchant information is designated (or unspecified) merchant information corresponding to a base where a transaction for providing a royalty service requested by the royalty service provider is generated or providing the royalty service, and is performed from the merchant terminal 200 to bansa. Preferably, the store includes one or more affiliate store identification information and affiliate store terminal 200 identification information included in the transmission.

Referring to FIG. 2, the royalty server 225 receives at least one of card information, transaction amount and merchant information from the bansa server 210, and the card information and merchant information are included in the royalty target. If confirmed, the royalty information corresponding to at least one of the card information and merchant information is confirmed from the royalty service conditions and royalty service information registered by the royalty service provider, and the royalty information is subject to at least one royalty application of the card information and the transaction amount. Characterized in that the processing to be applied to.

According to the present invention, when the affiliated store information is received from the bansa server 210, the loyalty server 225 compares the affiliated store information with the registered merchant information stored in the storage medium 230 and the affiliated store where the transaction occurred. When the card information is received from the bansa server 210 and the card information is received, the card information included in the royalty service condition stored in the storage medium 230 is compared with the received card information, or the When the transaction history D / B 235 is stored in the loyalty server 225, the card information generated by comparing the received card information with the card information stored in the transaction history D / B 235 is a loyalty target card. It is preferable to further comprise the function to confirm.

If the bansa server 210 transmits one or more information of the card information, transaction amount and merchant information corresponding to the transaction details contained in the full text (1) transmitted from the merchant, the bansa server 225, the bansa server Characterized in that it receives the card information, transaction amount and merchant information transmitted from 210.

If the merchant information is received from the bansa server 210, the loyalty server 225 compares the received merchant information and the royalty target merchant information stored in the storage medium 230, the merchant having the transaction is a royalty target merchant It is characterized by checking whether or not.

If the card information is received from the bansa server 210, the royalty server 225 compares the received card information with the card information included in the royalty service conditions stored in the storage medium 230, or the royalty When the transaction history D / B 235 is stored in the server 225, the card information stored in the transaction history D / B 235 is compared with the received card information to determine whether the card having the transaction is a royalty-targeted card. Characterized in that.

According to the exemplary embodiment of the present invention, the royalty server 225 stores the card information in the royalty service condition (or transaction history D / B 235) according to the purpose of the royalty service condition stored in the storage medium 230. If included, it is possible to check whether the card in which the transaction occurred is a royalty-targeted card, and conversely, if the card information is not included in the royalty service condition (or transaction history D / B 235) (for example, a new transaction customer). In the case of providing a royalty to a target), it may be determined whether the card in which the transaction has occurred is a royalty-targeted card.

If the card information and affiliated store information are received from the bansa server 210, and the card information and the affiliated store information are confirmed to be included in the royalty target by the bansa server 210, the royalty server 225 stores the stored information. Check the royalty service conditions corresponding to at least one of the card information and the merchant information in association with the medium 230, and confirms the royalty service information associated with the royalty service conditions.

According to an embodiment of the present invention, the royalty service condition includes a royalty service provision period, a royalty target card company condition, a royalty target merchant condition, a royalty event date and time condition, and the royalty server 225 provides the card information. And the card company conditions (eg, card company information for identifying a card company providing a royalty service and card identification information for identifying royalty target card information) of the royalty service condition, or comparing the merchant information and the merchant condition of the royalty service condition. In comparison, it is preferable to confirm a royalty service condition corresponding to at least one of the card information and the merchant information.

Here, the royalty service condition corresponding to at least one of the card information and the affiliated store information includes a recent transaction date and time for each card that provides an incentive (or penalty) for improving purchase recency (R) for the card information. Conditions, recent transaction date and time conditions for each merchant that provide incentives (or penalties) to improve purchase recency (R) for the merchant information, and incentives for improving the purchase frequency (F) for the card information ( Or a transaction number condition for each card providing a penalty), a transaction number condition for each merchant providing an incentive (or penalty) for improving a purchase frequency (F) for the merchant information, and a purchase amount for the card information (Monetary; M) the cumulative transaction value condition or the recent transaction amount condition for each card providing an incentive (or penalty) to improve the merchant; Incentive to improve the purchase amount (M) for the beam (or penalty) merchant Cumulative transaction conditions that provide or made or recently include one or more of the transaction conditions, may be made of a combination of two or more conditions.

When the royalty service condition corresponding to at least one of the card information and the affiliated store information is confirmed, the royalty server 225 checks the royalty service information associated with the royalty service condition in connection with the storage medium 230. It is done.

The royalty service information may include incentives for improving one or more purchase recency (R), purchase frequency (F), and purchase amount (M) for the card information and / or affiliate information. Or penalty information), and the card information to which the incentive (or penalty) is to be applied, and the royalty application information including at least one transaction amount.

When the royalty service condition corresponding to at least one of the card information and the affiliated store information and the royalty service information associated with the royalty service condition are confirmed, the royalty server 225 is based on the royalty service information and the merchant information And identifying royalty information that improves one or more of purchase information Recency (R), purchase frequency (F), and purchase amount (M).

Here, the loyalty information, points, discount coupons, prizes, etc. to be applied to one or more of the loyalty application target of the card information and the transaction amount in any one of the merchant terminal 200, bansa server 210, authorization server 205, It is desirable to include licenses and free licenses.

When the transaction amount is further received from the bansa server 210, the royalty server 225 points to card information and / or transaction amount corresponding to the royalty application target information of the royalty service information among card information and transaction amount. , Discount coupons, sweepstakes, licenses, free royalties can be applied to create royalty information, in this case, the royalty information is a point, discount coupon, prizes, licenses, free It is preferable to include card information (for example, card information in which points are accumulated) to which royalties including one or more usage rights are applied and a transaction amount (for example, a transaction amount discounted by a discount coupon).

When the royalty information corresponding to at least one of the card information and the affiliated store information is confirmed, the royalty server 225 stores the royalty information in the transaction process through a preamble (1) including the card information and the affiliated store information. And it characterized in that the processing to be applied to one or more of the royalty amount of the transaction amount.

According to an embodiment of the present invention, if the royalty information including points, discount coupons, prizes, licenses, and free coupons to be applied to one or more of the royalty information of the card information and the transaction amount is confirmed, the royalty server 225 may be Characterized in that the royalty information provided to the bansa server 210, the bansa server 210, the full body (2) including the card information, transaction amount, merchant information and royalty information to form an approval server ( 205) or apply the royalty information to one or more royalty-applicable subjects of the card information and the transaction amount, construct the full text (2) to which the royalty information is applied, and transmit it to the approval server 205, or Compose the full text (2) containing the royalty information and transmit it to the merchant terminal 200, or the one or more of the card information and the transaction amount is subject to the royalty Applying yeolti information, by which the royalty information constituting the professional (2) applied is characterized in that transmitted to the merchant terminal 200.

If the bansa server 210 configures the telegram (2) including the card information, transaction amount, merchant information and royalty information and transmits it to the authorization server 205, the authorization server 205 is the bansa server ( Receive a full text (2) including card information, transaction amount, merchant information and royalty information from 210, and apply the royalty information to at least one of the card information and the transaction amount to be applied to approve the transaction using the card. And, if the bansa server 210 receives the full text (3) including the transaction approval result applied to the royalty information for the full text (2) from the approval server 205, the full text (3) the merchant terminal Send to 200.

Alternatively, when the bansa server 210 applies the royalty information to at least one of the card information and the transaction amount of the royalty application, and configures the preamble (2) to which the royalty information has been applied to the approval server 205, The authorization server 205 receives from the bansa server 210 a preamble (2) to which the royalty information is applied to at least one of the card information and the transaction amount of the royalty, and to the preamble (2) to which the royalty information is applied. Approving a transaction using a credit card, and the bansa server 210 receives the full text (3) when the full text (3) including the transaction approval result for the full text (2) is received from the authorization server (205). Transmit to the merchant terminal 200.

Alternatively, when the bansa server 210 configures the telegram (2) including the royalty information and transmits it to the affiliated store terminal 200, the affiliated store terminal 200 applies one or more royalties among the card information and the transaction amount. Compose the full text (3) applying the royalty information to the subject and transmit to the bansa server 210, the bansa server 210 relays the full text (3) to the approval server 205, the approval The server 205 receives from the bansa server 210 a preamble (3) applying the royalty information to one or more royalty targets of the card information and the transaction amount, and the card for the preamble (3) to which the royalty information is applied. Approving a transaction using the, and the Bansa server 210 receives the full text (4) including the transaction approval result for the full text (3) from the approval server 205, the full text (4) to the merchant Transmit to the terminal 200.

Alternatively, when the bansa server 210 applies the royalty information to at least one of the card information and the transaction amount of the royalty application, and configures the preamble (2) to which the royalty information is applied to the merchant terminal 200, The affiliated store terminal 200 configures a preamble (3) corresponding to a customer approval (or royalty selection) for the preamble (2) to which the royalty information is applied, and transmits the preamble (3) to the bansa server (210). ) Relays the full text 3 to the authorization server 205, and the authorization server 205 transmits the royalty information from at least one of the card information and the transaction amount from the bansa server 210. Receive the applied telegram (3), approve the transaction using the card for the telegram (3) to which the royalty information is applied, and the bansa server (210) deals with the telegram (3) from the authorization server (205). Approval If professional 4 including this is received, and transmitting the specialized (4) to the merchant terminal 200.

If the royalty application condition information of the royalty service information includes an application condition after customer approval (or application target royalty selection), the merchant terminal 200 selects a customer approval (or application target royalty selection) for the royalty information. Bansa server 210 for outputting an interface for processing, applying the royalty information to the royalty application target, or transmit and receive the full text (3) according to the customer approval (or application target royalty selection) through the interface, It is preferable to process the approval server 205 to apply the royalty information to the royalty application target.

According to another embodiment of the present invention, loyalty-based card information (eg, card information in which points are accumulated) including one or more points, discount coupons, sweepstakes, use rights, and free passes, and transaction amount (for example, discount with discount coupon) When royalty information including the transaction amount) is generated, the royalty server 225 is characterized in that providing the royalty information to which the royalty is applied to the bansa server 210, the bansa server 210, Compose the full text (2) to which the royalty information has been applied to the approval server 205, or configure the full text (2) to which the royalty information is applied, characterized in that the transmission to the merchant terminal (200).

If the bansa server 210 configures the preamble (2) to which the royalty information is applied and transmits it to the approval server 205, the approval server 205 receives the card information and the transaction amount from the bansa server 210. Receives the full text (2) to which the royalty information has been applied to one or more of the royalty application subjects, and approves the transaction using a card for the full text (2) to which the royalty information has been applied, and the bansa server (210) is the authorization server ( When the full text 3 including the transaction approval result for the full text 2 is received from 205, the full text 3 is transmitted to the affiliated store terminal 200.

Alternatively, when the bansa server 210 configures the telegram (2) to which the royalty information is applied and transmits it to the affiliated store terminal (200), the affiliated store terminal (200) receives customer approval for the telegram (2) to which the royalty information is applied. (Or royalty selection) configures the telegram (3) corresponding to the bansa server 210, the bansa server 210 relays the telegram (3) to the authorization server 205, and transmits the The authorization server 205 receives the telegram (3) to which the royalty information is applied to at least one of the card information and the transaction amount of royalty from the bansa server (210), and applies to the telegram (3) to which the royalty information is applied. Approving a transaction using a card, the Bansa server 210 receives the full text (4) when the full text (4) including the transaction approval result for the full text (3) is received from the authorization server (205) Transmit to the merchant terminal 200.

If the royalty application condition information of the royalty service information includes an application condition after customer approval (or application target royalty selection), the merchant terminal 200 selects a customer approval (or application target royalty) for the royalty information. Bansa server 210 for outputting an interface for processing, and applying the royalty information to the royalty application target, or transmit and receive the full text (3) according to the customer approval (or application target royalty selection) through the interface In this case, it is preferable to process the approval server 205 to apply the royalty information to the royalty application target.

According to the exemplary embodiment of the present invention, the interface for processing customer approval (or application target royalty selection) for the royalty information is dynamically controlled and output by the royalty operating condition information provided in the affiliated store terminal 200. desirable.

Referring to FIG. 2, the royalty server 225 generates royalty operating condition information corresponding to the royalty service condition and royalty service information, and provides the royalty operating condition information to the affiliated store terminal 200. If the royalty service agent can be provided without additional information input / output through the affiliated store terminal 200, it may be omitted.

When dynamic control of the affiliated store terminal 200 is required for the royalty service, the royalty server 225 provides royalty operating condition information to be provided to the affiliated store terminal 200 in response to the royalty service condition and royalty service information. Create

If the affiliate program terminal 200 does not have the loyalty program code, the loyalty server 225 provides the loyalty program code to the merchant terminal 200 first, or the loyalty program code and the royalty operation. It is possible to provide condition information at the same time.

Referring to FIG. 2, the royalty server 225 may apply the royalty information, and the card information, transaction amount, merchant information, royalty information and royalty applied to at least one of the card information and the transaction amount applied to the royalty information. And confirming royalty processing information including service provider information and providing the royalty processing information to the royalty service provider to calculate funds and royalties agent fees for royalty information applied to the royalty application target.

The royalty server 225 is provided by the royalty server 225 to be applied to one or more of the card information and the transaction amount of the royalty application, or royalty information applied to the royalty application target, the royalty server 225 ) Checks whether the royalty-applied transaction is approved in connection with the bansa server 210.

If the royalty-applied transaction is approved, the royalty server 225 is the transaction information of the approved card information, transaction amount, merchant information, royalty information and royalty service provider information applied to at least one of the card information and the transaction value of the transaction Check the royalty processing information, including, and periodically provide the confirmed royalty processing information to the royalty service provider to process the settlement of funds and royalty agency fees for royalty information applied to the object of the royalty.

When the loyalty service provider is an affiliated store according to an embodiment of the present invention, the loyalty server 225 provides the loyalty processing information to the affiliated store, calculates the funds according to the royalty provision from the affiliated store, and stores the affiliated store. And a royalty agent fee between the royalty server 225 is processed.

According to another exemplary embodiment of the present invention, when the royalty service provider is a card company, the royalty server 225 provides the royalty processing information to the card company, the card company calculates the funds according to the royalty provision, and It is processed to settle royalty fees between the card company and the royalty server 225.

According to another exemplary embodiment of the present invention, when the royalty service provider is a merchant-card company consortium, the royalty server 225 provides the royalty processing information to the merchant and the card company, and the merchant and the card company provide the royalty. To settle the funds according to the processing, and to settle the royalty agency fees between the merchant and card company and the royalty server (225).

3 is a diagram illustrating an operation process of an affiliated store terminal 200 according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 shows that the card information corresponding to the payment processing is the loyalty service target card information when the payment processing is performed in the affiliated store terminal 200 shown in FIG. Check whether the royalty operating condition information for each loyalty service provider that provides the royalty service for the target card information is stored effectively.If the royalty operating condition information is confirmed, the royalty operating condition information is read to determine the royalty service provider's information. The present invention illustrates a process of operating an affiliated store terminal 200 which checks at least one royalty operating condition for providing a royalty service and dynamically controls a payment operation of the affiliated store terminal 200 according to the royalty operating condition. For those skilled in the art, refer to FIG. 3. And / or may be modified to infer various implementation methods (for example, implementation steps in which some steps have been omitted or changed in order) for the operation process of the affiliated store terminal 200, but the present invention is all inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, when the card information is read through a card reader at the merchant terminal 200 illustrated in FIG. 1 (300), the merchant terminal 200 reads the card information to provide a royalty service. Check whether the target card (305).

If the card information is not a loyalty service target card (310), the merchant terminal 200 inputs a transaction amount through a preset payment screen (315), the full text including the card information and transaction amount and merchant information (1) configures and transmits to the bansa server 210 (320).

On the other hand, if the card information is a loyalty service target card (310), the affiliated store terminal 200 checks the loyalty service condition information for each loyalty service provider for the loyalty service target card from the storage area of the memory unit (325).

If valid royalty service provider-specific royalty operating condition information is not confirmed (330), the merchant terminal 200 inputs a transaction amount through a preset payment screen (315), and the card information and transaction amount and merchant information Compose the full text (1) to include and transmits to the bansa server 210 (320).

On the other hand, if valid royalty service provider-specific royalty operating condition information is confirmed (330), the merchant terminal 200 through the royalty operating condition information on the payment screen of the merchant terminal 200 for the loyalty service target card through the royalty service interface To determine whether to dynamically output (335), if the loyalty service interface is not dynamically output to the payment screen (340), enter the transaction amount through a predetermined payment screen (345), the royalty service on the payment screen If the interface is dynamically output (340), the system automatically inserts and outputs a royalty service interface to the payment screen according to the royalty operating condition information, and checks whether royalty-related service information is input to the payment screen through a royalty service interface ( 350).

If royalty-related service information is input through the royalty-service interface (355), the affiliated store terminal 200 further includes the input-related royalty service-related information in the card information, transaction amount and merchant information (1). Configure and transmit to the bansa server 210 (360).

According to the exemplary embodiment of the present invention, when the royalty operating condition information is confirmed at the affiliated store terminal 200, the process of transmitting the full text 1 to the bansa server 210 may be performed on the full text 1. Being dynamically controlled by royalty processing condition information including royalty processing condition information including royalty service related information, and transaction conditions specifying a method and a sequence and a number of transmitting and receiving the text to the bansa server 210. desirable.

According to another exemplary embodiment of the present invention, royalty service related information input through the royalty service interface is not included in the full text (1), and information related to the royalty service is transmitted / received to the bansa server 210. Dynamically controlled by royalty operating condition information including a protocol specification for performing, and a transaction condition for specifying the order and the number and the manner of transmitting / receiving the royalty service related information to the bansa server 210 according to the protocol specification It is possible to be transmitted to the bansa server 210, whereby the present invention is not limited.

4 is a diagram illustrating a royalty service proxy process according to an embodiment of the present invention.

In more detail, Figure 4 is a full text received from the merchant terminal 200 through the process shown in Figure 3 and the merchant information stored in the affiliated store D / B 215 in the bansa server 210 shown in Figure 2 Comparing the merchant information included in (1) to check whether the merchant that has transmitted the telegram (1) is a royalty-targeted merchant, and if the merchant is confirmed as a royalty-targeted merchant, the bansa server 210 the telegram (1) When provided with one or more card information, transaction amount, merchant information included in the loyalty server 225, and shows the process of acting for a royalty service in the loyalty server 225, in the technical field to which the present invention belongs Those skilled in the art may refer to and / or modify the drawing 4 to implement various methods for the royalty service agency process (e.g., some steps may be omitted or the order may be changed). Would be able to infer how City), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

For example, if the person having knowledge in the technical field to which the present invention belongs, the method further comprises the step of confirming whether the card information is a loyalty target card in the bansa server 210 with reference to the configuration shown in FIG. It may be inferred from the method, or an implementation method in which the bansa server 210 and the royalty server 225 share the identification of the loyalty merchant and the card, and the present invention includes all the inferred implementation methods. It is obvious.

Referring to FIG. 4, the bansa server 210 receives and reads the full text 1 from the affiliated store terminal 200 through the process shown in FIG. 3 to check the transaction history included in the full text 1. 410, compares the merchant information included in the transaction history and the merchant information stored in the affiliated store D / B 215 provided in the bansa server 210 whether the merchant that transmitted the full text (1) is a royalty-targeted merchant Check (415).

If the verification result is that the affiliate who transmitted the full text (1) is not confirmed as the loyalty target merchant (420), the bansa server 210 transmits the full text (1) to the approval server 205 (425) In response, the approval server 205 processes the payment for the full text (1), generates a full text (2) (eg, a payment approval result full text) including the result of the payment processing to the bansa server 210 In step 430, the bansa server 210 transmits the telegram (2) to the merchant terminal 200 to process the requested payment through the telegram (435) (435).

On the other hand, if the verification result that the merchant that transmitted the full message (1) is confirmed as the loyalty target merchant (420), the bansa server 210 to the loyalty server 225, the card information, transaction amount, At least one affiliate store information is transmitted (440), and the royalty server 225 checks the royalty service conditions and royalty service information corresponding to the card information and the merchant information from the storage medium (230) (445).

If royalty service information for each royalty service condition is not confirmed (450), the royalty server 225 transmits a royalty agency error to the bansa server 210 (455), and the bansa server 210 transmits the full text message ( 1) is sent to the authorization server 205 (425), and correspondingly, the authorization server 205 processes the payment for the telegram (1) and includes the telegram (2) (e.g., the payment processing result). , Payment approval result full text) is generated and transmitted to the bansa server 210 (430), the bansa server 210 transmits the full text (2) to the merchant terminal 200 to the full text (1) The requested payment is processed through 435.

If royalty service information for each royalty service condition is confirmed (450), the royalty server 225 checks royalty information corresponding to royalty service information for each royalty service condition (460), and checks the royalty information for a bansa server ( 210 or apply royalty information corresponding to the royalty service information for each royalty service condition to one of the card information and the transaction amount of the royalty (460), and apply the royalty to the card. The information and the transaction amount are transmitted to the bansa server 210 (465), and the bansa server 210 constructs a preamble (2) (for example, a royalty service response preamble) including the royalty information to the merchant terminal ( 200, in operation 470.

5 is a diagram illustrating an operation process of an affiliated store terminal 200 according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the full text (2) including the royalty information is received by the affiliated store terminal 200 through the royalty service agent process illustrated in FIG. 4, the affiliated store terminal 200 receives the royalty information. Reading one or more royalty operating condition information for application to identify one or more royalty operating conditions for providing a royalty service of the royalty service provider, and dynamically controlling payment operation of the affiliated store terminal 200 according to the royalty operating conditions As an operation process of the affiliated store terminal 200, a person having ordinary knowledge in the technical field to which the present invention belongs, various implementation methods for the operation process of the affiliated store terminal 200 will be described with reference to and / or modified with reference to FIG. (E.g., some steps may be omitted or the order of implementation changed), but the present invention is inferred from the above. Is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, when the bansa server 210 transmits the full text 2 to the approval server 205 in the royalty service agency process illustrated in FIG. 4, the approval server 205 processes the royalty to be applied. The process shown in FIG. 5 may be omitted, and the present invention is not limited thereto.

Referring to FIG. 5, when a full text (2) including royalty information is received by the merchant terminal 200 through a royalty service agency process illustrated in FIG. 4, the merchant terminal 200 receives the full text (2). The royalty operation condition information for applying the royalty information included in the royalty application target is confirmed (500).

Here, the royalty operating condition information for applying the royalty information to the object of applying the royalty, the input information item for applying the royalty, royalty service interface information for inputting each input information item and the interface to output the royalty service interface Royalty operating condition information including an output condition, an output information item for applying the royalty, royalty service interface information for outputting each output information item, and royalty operating condition information including an interface output condition for outputting the royalty service interface It is preferable to include one or more.

If the royalty operation condition information for applying the royalty information to the application target loyalty is not confirmed (505), the merchant terminal 200 automatically configures the full text (3) by applying the royalty information to the application target loyalty Then, the configured telegram 3 is transmitted to the bansa server 210 (510).

On the other hand, when royalty operating condition information for applying the royalty information to the application target is confirmed (505), the merchant terminal 200 reads the royalty operating condition information for applying the royalty information to the application target Dynamically outputs a royalty service interface and checks whether royalty-related service information for applying the royalty information is input through the output royalty service interface (515).

For example, the royalty-related service information for applying the royalty information, all information that needs to be determined by the user to apply the royalty, such as information to determine whether to use the coupon, information to determine the points to use among the accumulated points, etc. It is made, including.

If royalty-related service information for applying the royalty information is input (520), the affiliated store terminal 200 applies the royalty to the royalty application target through the royalty service-related information (525).

If royalty is applied to the royalty application target (530), the merchant terminal 200 configures the full text (3) applied to the royalty application target through the royalty service related information, the configured full text (3) This is transmitted to the bansa server 210 (535).

6 is a diagram illustrating a transaction approval process according to an embodiment of the present invention.

In more detail, Figure 6 is configured to send the full text (3) applied to the royalties in the merchant terminal 200 through the process shown in Figure 5, the bansa server 210 through the authorization server 205 in the transaction As the process of processing the approval, one of ordinary skill in the art to which the present invention pertains, various methods of implementing the transaction approval process (e.g., some steps The method may be omitted or the order may be changed.), But the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 6, if the merchant terminal 200 configures and transmits the telegram (3) to which the royalty is applied through the process illustrated in FIG. 5, the bansa server 210 transmits the telegram from the merchant terminal 200. Receiving and reading (3) to confirm the authorization server 205 to relay the full text (3), relaying the full text (3) to the identified approval server 205 (600), and correspondingly The authorization server 205 processes the transaction approval via the telegram 3 (605).

According to the implementation method of the present invention, when the preamble 3 includes royalty information to be applied to at least one of the card information and the transaction amount, the approval server 205 performs the royalty in the transaction approval process. It is possible to further process the process of applying the information to the royalty application subjects, whereby the present invention is not limited.

If the transaction approval for the preamble (3) is processed (610), the approval server 205 configures the preamble (4) (eg, the transaction approval result preamble) including the transaction approval result to the bansa server ( 210 to (615), and in response to the bansa server 210 transmits the full text (4) to the merchant terminal 200 (620), the merchant terminal 200 to the full text (4) The included transaction approval result is output (625).

According to the exemplary embodiment of the present invention, if the royalty operating condition information corresponding to the process of outputting the transaction approval result included in the telegram (4) is stored in the memory unit of the affiliated store terminal (200). The merchant terminal 200 may dynamically control a process of outputting a transaction approval result according to the royalty operating condition information, and the present invention includes a configuration for dynamically controlling the output process.

According to the present invention, when a royalty service is not provided, the service is used as a general merchant terminal operating according to a basic payment operation, and when providing a royalty service of a specific royalty service provider in association with a royalty service agency system, the royalty service By providing royalty control condition information corresponding to the royalty service condition and royalty service information registered by the provider in the royalty service agency system and dynamically controlling a part of the payment operation, the royalty service provider without developing / producing a separate merchant terminal There is an advantage of providing a merchant terminal providing a loyalty service for improving purchase recency (R), purchase frequency (F), and purchase amount (M) for each merchant for each card.

Claims (12)

Enhance one or more of Recency (R), Frequency (F), and Monetary (M) for the card by using one or more of the number of transactions, transaction amount, and transaction date and time for the card. A storage unit for storing royalty operating condition information for each royalty service provider for dynamically controlling a part of a payment operation of the affiliated store terminal; Receiving royalty operation condition information for each royalty service provider corresponding to a royalty service agency request of a royalty service provider from a server and storing the royalty operating condition information in a storage area provided in the memory unit; Confirming whether the card information corresponding to the payment processing is loyalty service target card information during the payment processing of the affiliated store terminal; Checking whether the royalty operating condition information for each royalty service provider providing the royalty service to the identified royalty service target card information is effectively stored in the storage area; When the royalty operating condition information is confirmed, the royalty operating condition information is read to identify one or more royalty operating conditions for providing a royalty service of the royalty service provider, and the payment operation of the affiliated store terminal is performed according to the royalty operating conditions. Dynamically controlling; merchant terminal control method comprising a. The method of claim 1, wherein the determining whether the card information corresponding to the payment process is royalty-targeted card information comprises: And transmitting the telegram (1) including the card information to the bansa server, and reading the telegram (2) received from the bansa server to confirm whether the card information is the loyalty service target card information. Merchant store terminal control method characterized in that. The method of claim 1, wherein the determining whether the card information corresponding to the payment process is royalty-targeted card information comprises: When the royalty operating condition information includes BL (Black List) information or PL (Positive List) information corresponding to a BIN (Bank Identification Number) range for a loyalty service target card, the read card information for the payment processing And comparing the included BIN information with the BL information or the PL information of the BIN range to determine whether the card information is the loyalty service target card information. The method of claim 1, wherein the at least one royalty operating condition for reading the royalty operating condition information is checked to provide a royalty service of the royalty service provider, and the payment operation of the affiliated store terminal is dynamically controlled according to the royalty operating condition. The steps are The input information item to be added to the payment screen output to the screen of the affiliated store terminal, royalty service interface information for inputting (or selecting) one or more royalty service related information corresponding to the input information item, and the royalty service interface Confirm interface output conditions for dynamically inserting and outputting the payment screen of the merchant terminal, and dynamically inserting and outputting a royalty service interface including the input information item to the payment screen according to the interface output conditions; Merchant terminal control method. The method of claim 1, wherein the at least one royalty operating condition for reading the royalty operating condition information is checked to provide a royalty service of the royalty service provider, and the payment operation of the affiliated store terminal is dynamically controlled according to the royalty operating condition. The steps are When one or more royalty service related information is input (or selected) to provide a royalty service of the royalty service provider, Identifying a professional processing condition for including royalties service-related information in the preamble transmitted from the merchant terminal to the bansa, and a transaction condition for specifying a method, order, and number of the preamble including the royalty service-related information to the bansa; And transmitting the full text including the royalty service related information to the bansa according to the professional processing condition and transaction condition. The method of claim 1, wherein the at least one royalty operating condition for reading the royalty operating condition information is checked to provide a royalty service of the royalty service provider, and the payment operation of the affiliated store terminal is dynamically controlled according to the royalty operating condition. The steps are When one or more royalty service related information is input (or selected) to provide a royalty service of the royalty service provider, A protocol specification for transmitting the royalty service related information from the affiliated store terminal to bansa, a transaction condition for specifying a method, order, and number of times of transmitting the royalty service related information to the bansa according to the protocol specification, and The method of controlling a merchant terminal according to a protocol specification and a transaction condition, wherein the royalty service related information is transmitted to Bansa. The method of claim 1, wherein the at least one royalty operating condition for reading the royalty operating condition information is checked to provide a royalty service of the royalty service provider, and the payment operation of the affiliated store terminal is dynamically controlled according to the royalty operating condition. The steps are An output information item to be added to a payment screen output to the screen of the merchant terminal, royalty service interface information for outputting one or more information corresponding to the output information item, and the royalty service interface to the payment screen of the merchant terminal Confirming the interface output condition for insertion and outputting; and outputting a royalty service interface including the output information item dynamically inserted into the payment screen according to the interface output condition. The method of claim 1, wherein the royalty service provider, Merchant store terminal control method comprising any one of the card company, merchants, merchant-card company consortium. The method of claim 1, wherein the royalty service conditions, Including one or more of the number of transactions, cumulative transaction amount condition, recent transaction amount condition, recent transaction date and time, card company condition, merchant condition, event date and time conditions, or a combination of two or more conditions to provide royalty of a royalty service provider Merchant store terminal control method, characterized in that. The method of claim 1, wherein the royalty service conditions, A method for controlling an affiliated store terminal comprising: dividing one or more royalty service conditions (or a combination of two or more royalty service conditions) into two or more condition steps. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 7. Enhance one or more of Recency (R), Frequency (F), and Monetary (M) for the card by using one or more of the number of transactions, transaction amount, and transaction date and time for the card. A memory unit having a storage area for storing royalty operation condition information for each royalty service provider for dynamically controlling a part of a payment operation of the affiliated store terminal; An information storage unit for receiving royalty service condition information for each royalty service provider corresponding to a royalty service agency request of a royalty service provider from a server and storing the information in a storage area provided in the memory unit; In the payment processing of the affiliated store terminal, check whether the card information corresponding to the payment processing is the loyalty service target card information, and provide the loyalty service to the confirmed loyalty service target card information in the storage area. An information checking unit for confirming that royalty operating condition information is stored effectively; When the royalty operating condition information is confirmed, the royalty operating condition information is read to identify one or more royalty operating conditions for providing a royalty service of the royalty service provider, and the payment operation of the affiliated store terminal is performed according to the royalty operating conditions. Loyalty service operation control unit for controlling dynamically; Merchant store terminal comprising a.

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