KR20100123502A - Point of service information based advertisement system and advertisement method thereof - Google Patents

Abstract

PURPOSE: An advertising system based on payment information and an advertising method are provided to offer optimized advertisement message to a client. CONSTITUTION: A storage device(108) stores data showing the attribute of store and store data consisting of advertisement contents. Based on the payment information received from a payment terminal(102), an advertisement generating apparatus(104) selects one or more store data. The advertisement generating apparatus creates the advertisement message which includes the advertisement contents of the selected store data. The data showing the attribute of store comprises location data about the store.

Description

Point of Service information based advertisement system and advertisement method

The present invention relates to a payment information-based advertising system and advertising method. More specifically, when a consumer makes a payment by a payment means that can identify himself or herself at a point of service (POS terminal) installed in a store, the advertisement optimized for the corresponding consumer generated by receiving the payment information It relates to a payment information-based advertising system and advertising method for providing a message.

SMS (Short Message Service), which is used in the mobile communication system, conforms to the IS-637 or IS-41 protocol standard. Usually, text message data having a length of 80 to 160 bytes is transmitted through the mobile communication system. Refers to a service that allows transmission and reception. For this service, the mobile communication terminal is provided with an SMS processing unit capable of processing the transmission and reception of text messages according to the above-described IS-637 or IS-41 protocol standard, and the mobile communication system also supports the IS-637 or IS-41 protocol standard. A text message processing function is provided.

Text message services in mobile terminals are widely used as a means of communication between service subscribers, but recently, as a means of providing information or advertising to customers due to the development of customer relationship management (CRM) technology. It is used a lot.

However, such information or advertising is most often not received by the client's intention and does not help the real life of the customer, there was a problem that the advertising effect is not great.

The technical problem to be solved by the present invention is to solve the above problems by receiving the payment information of the consumer from the POS terminal, the advertisement message optimized for the individual, such as the current location, time, consumer wealth, consumer age or gender of the consumer To provide a billing information-based advertising system and advertising method to create and provide.

Another technical problem to be solved by the present invention is to subscribe to the payment information-based advertising service in advance so that the problem of storing and distributing the consumer's personal information such as the consumer's payment information or the consumer's past payment history without the user's permission does not occur. It is to provide a payment information-based advertising system and advertising method for generating and providing an advertising message by collecting relevant information only when a subscriber makes a payment by a payment terminal.

Another technical problem to be solved by the present invention is mileage accrual information, card payment notification to solve the rejection that may occur when an advertisement message containing only an advertisement message is received even if the consumer subscribes directly to the payment information-based advertising service It is to provide a billing information-based advertising system and advertising method that can provide an advertisement message optimized for the subscriber with information useful to the subscriber, such as information.

The technical problems of the present invention are not limited to the above-mentioned technical problems, and other technical problems not mentioned will be clearly understood by those skilled in the art from the following description.

The payment information-based advertising system according to an aspect of the present invention for achieving the technical problem is received from a storage device and a payment terminal for storing a store database including one or more store data consisting of store attribute data and advertising content of each store After receiving the payment information to be received, the payment information is entered into the advertisement target store selection rule to select at least one store data from the store data included in the store database, the advertisement containing the advertisement content of the selected store data It includes an advertisement generating device for generating a message.

The advertisement generating device may search the personal information of the consumer using the payment information, and then generate the advertisement message only when the consumer is an information-based advertisement service subscriber. In addition, the payment information-based advertising system relays the payment information transmitted by the payment terminal to the advertisement generating device and inquires the personal information of the consumer using the payment information, and when the consumer is an information-based advertisement service subscriber. It may further include a payment information collection server for providing the payment information to the advertisement generating device.

According to another aspect of the present invention, there is provided a payment information-based advertising method for transmitting payment information to an advertisement generating device by the payment terminal, and the advertisement generating device transmits the received payment information to an advertisement target store. Selecting at least one store data among store attribute data and advertisement content of each store by inputting to a selection rule, and the advertisement generating apparatus receives an advertisement message including the advertisement content of the selected store data. Generating, wherein the advertisement generating device inquires a mobile terminal number of a consumer using the payment information, providing the mobile terminal number and the advertisement message to a message server, and the message server provides the advertisement server from the advertisement generating apparatus. The optical by using the received mobile terminal number as a receiving terminal Transmitting the advertisement message provided from the high generating device.

The payment information may include mileage accumulation information, and the advertisement message generating step of the advertisement generating device may further include mileage accumulation information. The generating of the advertisement message of the advertisement generating device may further include retrieving a payment amount, a payment place, and a payment time information using the payment information, and generating an advertisement message further including the payment amount, payment place, and payment time information. It may include the step.

According to the present invention as described above, a customer who makes a payment using a payment means that generates information for identifying a payer such as a credit card, a check card, and a cash receipt after cash payment in each store is based on the payment information. There is an effect that can receive the advertising message optimized for the individual, such as the current position of the consumer, time, consumer wealth, consumer age or gender.

Also, according to the present invention, the payment information-based advertising service operator stores and manages the payment information of the consumer only when the consumer wants to receive an advertisement message by the payment information-based advertising method and subscribes to the payment information-based advertising service. Since it is intended to avoid the legal problems that may arise due to the leakage of the consumer's personal information without the consent of the consumer.

In addition, according to the present invention, it is possible to provide an advertisement message optimized for the subscriber with useful information such as mileage accumulation information, card payment notification information, etc., thereby minimizing the consumer's rejection of the advertisement message.

In addition, the payment information-based advertising service provider according to the present invention will be able to increase the sales results more advertisers from the advertiser can be obtained from the high advertising effect caused by the exposure to the precise advertising target. In addition, the advertiser also has the effect of increasing the sales by the high advertising effect.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various forms, and only the embodiments are intended to complete the disclosure of the present invention, and the general knowledge in the art to which the present invention belongs. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

The configuration and operation of a payment-based advertising system according to an embodiment of the present invention will be described.

First, the configuration of the payment-based advertising system according to the present embodiment will be described with reference to FIG. 1.

As shown in FIG. 1, the payment-based advertising system according to the present embodiment includes a network 100, one or more payment terminals 102, a payment information collection server 104, an advertisement generating device 106, and a storage device ( 108, message server 110 and one or more mobile terminals 112.

The network 100 connects the payment terminal 102, the payment information collection server 104, the advertisement generating device 106, the storage device 108, and the message server 110 to connect the payment terminal 102 and the payment information collection server. 104, the advertisement generating device 106, the storage device 108 and the message server 110 is a communication network that allows data to be exchanged with each other, including TCP / IP, WLAN, WiBro, CDMA, WCDMA, GSM, It may be to use at least one of the public telephone network.

The payment terminal 102 is a device installed in each store to generate payment information. The payment information may be transmitted to the payment information collection server 104 through the network 100, and the payment information collection server 104 may be transmitted to the advertisement generating device 106 or may be directly transmitted to the advertisement generating device 106. . The payment information may include payment means identification information, payment amount, payment terminal identification information. A system for managing commodity data by connecting an electronic cash register, a reconnaissance reading device, or the like to a computer, characterized by collecting data related to a product name or price at a point of time when sales occur and managing the data with a computer. Often referred to as a point of service (POS).

The payment information collection server 104 is a device that collects payment information transmitted by the payment terminal 102 through the network 100. When the payment terminal 102 transmits a payment approval request signal, it is possible to additionally perform an operation of transmitting a payment approval signal to the payment terminal 102 after determining whether the payment is approved. In addition, the payment terminal 102 may additionally relay the payment information transmitted to the advertisement generating device 106. The relaying operation may be an operation of providing the payment information to the advertisement generating device only when the consumer is an information-based advertisement service subscriber after inquiring personal information of the consumer by using the payment information.

The advertisement generating device 106 receives the payment information received from the payment terminal 102 through the network 100, and then inputs the payment information into the advertisement target store selection rule to store the data included in the store database 180. Select at least one of the store data, and generate an advertisement message including the advertisement content of the selected store data. The advertisement generating device 106 may be connected to the payment terminal 102, the payment information collecting server 104, the storage device 108, and the message server 110 through the network 100. In particular, the payment information collection server 104, the storage device 108, and the message server 110 may be directly connected to each other via the network 100 to transmit and receive data at high speed. The advertisement generating apparatus 106 may inquire the mobile terminal number of the consumer by using the payment information and then provide the mobile terminal number and the advertisement message to the message server 110.

The storage device 108 is a device that stores a store database 180 including one or more store data consisting of store attribute data and advertisement content of each store. The storage device 108 may store a consumer database 182 including one or more consumer data including payment method identification information and advertisement receiving designated store data of each consumer. The consumer database 182 may include one or more consumer data including payment method identification information and payment history data of each consumer. The storage device may be connected to the advertisement generating device 106 through the network 100 or directly to transmit and receive data.

The message server 110 transmits the advertisement message provided from the advertisement generating apparatus 106 by using the mobile terminal number provided from the advertisement generating apparatus 106 as a receiving terminal.

The mobile terminal 112 posts the advertisement message sent by the message server 110. The mobile terminal 112 is a device having a wireless communication function, and the wireless communication scheme may be, for example, WCDMA, CDMA, GSM, WLAN, or Wibro.

Hereinafter, an operation of the payment information based advertisement system according to the present embodiment will be described with reference to FIG. 1.

When the consumer requests the clerk to pay at the store, the clerk inputs the payment information to the payment terminal 102, and the payment information is transmitted to the payment advertisement generating device 106 via the network 100. The payment information may include, for example, payment means identification information, payment amount, payment terminal identification information, and store identification information. The payment method identification information may be a key for identifying the payment method. For example, credit card identification information, check card identification information, and mileage card identification information of the corresponding store may be used.

Meanwhile, the payment information may be directly transmitted to the payment advertisement generating device 106 through the network 100, but is first transmitted to the payment information collecting server 104, and then the payment information collecting server 104 is sent to the advertisement generating device. May be passed to 106.

The advertisement generating device 106 receives the payment information and inputs the payment information to the advertisement target store selection rule. The advertisement target store selection rule is a logical operation that selects at least one of store data stored in the store database 180 by inputting data included in the payment information, and is converted into machine language using a programming language to generate an advertisement. ) May be executed in a central processor unit (CPU) included in the CPU. The advertisement target store selection rule may be based on, for example, the location of the store where the payment was made, the time period when the payment was made, the type of business in which the payment was made, the past payment history of the consumer of the payment, and whether the advertisement was a pre-designated advertisement target store. Can be. Detailed description of each example will be described later.

When one or more store data is selected by the advertisement target store selection rule, the advertisement generating device 106 generates an advertisement message including advertisement content included in the selected store data. The advertisement content may be composed of at least one of text or an image.

The advertisement generating apparatus 106 inquires the mobile terminal number of the consumer using the payment information, and then provides the mobile terminal number and the advertisement message to the message server 110. The mobile terminal number of the consumer may be included in at least one of the payment information, a personal information database of a credit card company, a mileage service subscriber database of a store where payment is made, and a consumer database 182. If the mobile terminal number of the consumer is not included in the payment information, the credit card company's personal information database, the store's mileage service subscriber database, and the consumer's database using specific values included in the payment information as key values. At least one of 182) needs to be queried. As the key value, payment means identification information may be used. For example, credit card identification information and check card identification information may be used. The key value may be a mileage card identification number.

The message server 110 wirelessly transmits the advertisement message provided from the advertisement generating apparatus to the receiving terminal 112 using the mobile terminal number provided from the advertisement generating apparatus 106.

Hereinafter, the operation of the payment information-based advertising system of the present embodiment according to each example of the advertisement target store selection rule will be described. However, a configuration example of the store database 180 and the consumer database 182 referred to in the advertisement target store selection rule will be described with reference to FIGS.

2 is a diagram showing an example of the configuration of a store database according to the present embodiment.

As shown in FIG. 2, it can be seen that the store database according to the present example includes three store data having payment terminal identification information '23A1', '640B', and '3010', respectively.

Each store data includes payment terminal identification information 1801 indicating identification information of one or more payment terminals installed in the store, location data 1802 indicating the location of the store, industry data 1803 indicating the type of store, and the price of the store. Price level data 1804 indicating which level is for the industry, and advertisement content data indicating advertisement content 1805 to be provided to the consumer when the store data is selected by the advertisement target store selection rule. In FIG. 2, the values of each field are shown modified with an identification code, but it should be noted that the data may be stored without being modified with the identification code.

Among the values shown in FIG. 2, it is assumed that the value of the industry data 1803 represents 'coffee specialty store' in case of '020A' and 'theater' in case of '0020'. In addition, it is assumed that the value of the price level data 1804 represents a value calculated based on the lowest price in the case of 0 and the highest price in the case of 10.

3 is a diagram showing a configuration example of a consumer database according to the present embodiment.

As shown in FIG. 3, it can be seen that the consumer database according to the present example includes two pieces of consumer data of which consumer identification information is 'ABCD' and 'A002'.

Each consumer data includes consumer identification information 1821, which is a code for identifying the consumer, mobile terminal number 1822 indicating the mobile terminal number of the consumer, and payment means information 1823 indicating identification information of the payment means used by the consumer. ), The advertisement receiving designated store data 1824 including attribute data of the store designated as the store in which the consumer wants to receive the advertisement, and the payment history data 1825 storing the payment history of the consumer.

The payment history data 1825 may be configured with the same table as the consumer data, but in FIG. 3, the identification code for identifying the table by configuring the payment history data as a separate table may include a value of the payment history data 1825. Note that it is stored as.

4 is an example in which payment history data is configured as a separate table.

3 and 4, when analyzing one consumer data having identification information of 'ABCD', the mobile terminal number 1822 is '010-1234-1243', and three payment methods are registered as payment method information. The attribute data 1824 of the store that you want to receive can be seen that the industry is a coffee shop 020A and that the price level is relatively inexpensive. In addition, the payment history of the consumer illustrated in FIG. 4 shows that the product / service code of which the product / service code is 0201 was paid 50,000 won through the payment terminal having the identification information '23A1' on April 25, 2009. .

The configuration of the store database and the consumer database according to the present embodiment has been described with reference to the tables illustrated in FIGS. 2 to 4 as an example. The item names described in the tables shown in FIGS. 2 to 4 are merely provided to facilitate understanding, and the contents of the present invention are the operation of the payment information-based advertisement system of the present invention according to each example of the advertisement target store selection rule described below. It should be noted that the decision is made by the content of

Hereinafter, each example of the advertisement target store selection rule will be described in detail.

(1) Advertising target store selection rule based on position of payment terminal

The advertisement generating device 106 inquires the position of the payment terminal 102 that transmitted the payment information by using the payment information generated by the payment terminal 102.

The location of the payment terminal 102 may be included in at least one of the payment information, the merchant information database of the credit card company, the store database 180. Unless the location of the payment terminal 102 is included in the payment information, at least one of the merchant information database and the store database 180 of the credit card company should be inquired using a specific value included in the payment information as a key value. something to do. The key value may be a payment terminal identification number.

When the location of the payment terminal 102 is inquired, store data located closest to the location of the payment terminal 102 is selected from the store data stored in the store database 180. More specifically, the location data 1802 of the store data is compared with the location of the payment terminal 102 to search for store data having location identification information indicating the same or the nearest area. If the location value of the payment terminal 102 is not coded in the same manner as the location data 1802 of the store data, identification information corresponding to the location of the payment terminal 102 is obtained first, and the location data of the store data ( 1802).

According to this example, it is possible to provide an advertisement message of a store that matches a consumer's radius of action. For example, it is possible to prevent inefficient advertisement messages such as providing advertisement messages for coffee shops in Jeju, even though they have eaten in Seoul.

(2) Store selection rule targeted for advertisement to select store data running type of industry corresponding to type of store where payment terminal was installed

The advertisement generating device 106 uses the payment information generated by the payment terminal 102 to query the type of business of the store where the payment terminal 102 having transmitted the payment information is installed.

The business type of the store in which the payment terminal 102 is installed may be included in at least one of the payment information, a merchant information database of a credit card company, and a store database 180. At least one of the merchant information database and the store database 180 of the credit card company using a specific value included in the payment information as a key value, unless the business type of the store in which the payment terminal 102 is installed is included in the payment information. You will have to look up. The key value may be a payment terminal identification number.

When the type of business of the payment terminal 102 is inquired, an advertisement target type of business corresponding to the type of business is calculated. The corresponding advertising target industry can be calculated using a table that matches the type of business that the consumer is expected to purchase after purchasing a service / product of one industry. FIG. 5 is a diagram illustrating an example of a table of a corresponding advertisement target type of business according to the present example. According to the first data of FIG. 5, when the type of the store in which the payment terminal 102 that transmits the payment information is installed is a movie theater, the store of the coffee shop type is the first advertisement target type and the family restaurant type is the second advertisement type. It can be seen that the stores of the industry and the fast food sector are the third advertisement target industries.

By the way, when there are two or more store data selected by the above method, the position of the payment terminal and the position of the payment terminal among the selected store data are inquired after inquiring the position of the payment terminal that has transmitted the payment information using the payment information. Additional selection may be made for the final selection of store data with near location data.

Therefore, according to this example, when a consumer pays at a movie theater, the coffee shop store located closest to the movie theater will be selected as the first priority.

According to this example, there is an effect that can provide an advertising message of the store of the industry that matches the consumer's behavior pattern. For example, even if you have a meal at a family restaurant, you can avoid sending inefficient advertising messages, such as providing advertising messages for stores in the snack market.

(3) Advertising target store selection rule to select store data running industry corresponding to the time of settlement

The advertisement generating device 106 uses the payment information generated by the payment terminal 102 to query the time when the payment information was generated. The time at which the payment information is generated may be included in the payment information or the time at which the advertisement generating device 106 receives the payment information.

When the payment information generation time of the payment terminal 102 is inquired, the advertisement target industry corresponding to the time is calculated. The corresponding advertising target business type may be calculated using a table that matches the type of business that the consumer is expected to purchase after purchasing the service / product at a specific point in time. FIG. 6 is a diagram illustrating an example of a table of a corresponding advertisement target industry for each time zone according to the present example. According to the first data of FIG. 6, when the payment information is generated between 11:30 am and 2 pm, which is a lunch break, the restaurant of the family restaurant industry, the coffee specialty store, and the snack shop industry is an advertisement target industry. Can be.

By the way, when there are two or more store data selected by the above method, the position of the payment terminal that transmits the payment information is queried using the payment information, and then the closest to the position of the payment terminal among the selected store data. Additional selection may be made for the final selection of store data with location data.

Therefore, according to this example, when a consumer makes a payment between 11:30 am and 2 pm, a family restaurant, a coffee shop, and a snack shop closest to the payment shop will be selected.

According to this example, there is an effect that can provide an advertising message for the store of the type of business for the time zone.

(4) Advertisement store selection rule based on the price level of the payment amount in the industry of the paid store

The advertisement generating device 106 uses the payment information generated by the payment terminal 102 to inquire the type of business and the payment amount of the store where the payment terminal that transmitted the payment information is installed. The type of business and the payment amount of the store where the payment terminal is installed may be included in the payment information or as described above, at least one of a merchant information database and a store database 180 of a credit card company. The key value may be a payment terminal identification number or payment approval number.

When the business type and the payment amount of the store where the payment terminal is installed are inquired, the price level of the payment amount according to the price level calculation criteria for each industry is calculated. The price level of the payment amount may be calculated using a table that matches the payment amount section and the price level data of the section for each business type.

When the price level of the payment is calculated using the above method, the store data having the price level data value 1804 most similar to the price level of the payment is selected from the store data.

By the way, when there are two or more store data selected by the above method, the position of the payment terminal that transmits the payment information is queried using the payment information, and then the closest to the position of the payment terminal among the selected store data. Additional selection may be made for the final selection of store data with location data.

According to this example, it is possible to provide an advertisement message of a store suitable for a consumer's consumption level.

(5) Advertisement store selection rules based on whether the store is of the type designated for consumers to send ads

The advertisement generating device 106 inquires the payment means identification information of the payment means used for the payment using the payment information generated by the payment terminal 102. The payment means identification information may be included in the payment information or, as already described, should query a merchant information database of a credit card company. When querying the merchant information database of the credit card company, the payment value may be used as a key value.

The advertisement generating device 106 searches the consumer database 182 for the consumer data including the inquired payment means identification information. For example, if the payment method identification information is '3000-1000-2000-4000', consumer data having the consumer identification information 'A002' shown in FIG. 3 will be searched.

Thereafter, the advertisement generating apparatus 106 selects store data corresponding to the contents of the advertisement receiving designated store data 1824 of the searched consumer data. For example, the consumer having the consumer identification information 'A002' shown in FIG. 3 wants to receive only an advertisement message for a store located in the '3FA2' region, so the advertisement generating device 106 stores the store data stored in the store database 180. Among the location data is '3FA2' will be selected to store data having a value of '3010' as the payment terminal identification information shown in FIG.

By the way, when there are two or more store data selected by the above method, the position of the payment terminal that transmits the payment information is queried using the payment information, and then the closest to the position of the payment terminal among the selected store data. Additional selection may be made for the final selection of store data with location data.

According to this example, there is an effect that only the advertisement message for the type of store desired by the consumer can be provided.

(6) If the consumer has made a payment at the same store in the past, the advertisement target store selection rule that provides an advertisement for the store whose payment was made after the past payment.

The advertisement generating device 106 inquires the payment means identification information of the payment means used for the payment using the payment information generated by the payment terminal 102. The payment means identification information may be included in the payment information or, as already described, should query a merchant information database of a credit card company. When querying the merchant information database of the credit card company, the payment value may be used as a key value.

The advertisement generating device 106 searches the consumer database 182 for the consumer data including the inquired payment means identification information. For example, when the payment method identification information is '1234-5678-9876-5432', consumer data in which the consumer identification information shown in FIG. 3 is 'ABCD' will be searched. In addition, the store database 180 inquires the data of the store in which the payment terminal that generated the payment information is installed by using the payment information in the same manner as described in the aforementioned example. For example, if the identification information 1801 of the payment terminal is '23A1', the first store data shown in FIG. 2 will be searched.

Thereafter, the advertisement generating device 106 inquires the latest payment history made in the store where the payment terminal which transmitted the payment information is found among the payment history data of the searched consumer data of the searched consumer data, The store data for which the following settlement is made is selected. In the above-mentioned example, the identification information of the payment terminal for which the payment information is generated is '23A1', and according to the payment history data table shown in FIG. 4, the latest purchase time at the store is April 25, 2009. Therefore, the store data having a value of '2302' is selected as the payment terminal identification information, which is the terminal on which the next payment was made.

Hereinafter, an operation of a payment information based advertisement system for generating an advertisement message only when receiving payment information generated by a subscriber of payment information based advertisement service according to another embodiment of the present invention will be described.

First, an operation of analyzing the payment information by the advertisement generating device 106 to determine whether the payment information generated by the subscriber of the payment information-based advertisement service will be described.

The advertisement generating device 106 receives the payment information-based advertisement service subscription application from the consumer and stores subscriber data including at least one of payment method identification information or identification information of the consumer. As the identification information of the consumer, a social security number may be used. The subscriber data is preferably stored in storage 108.

When the consumer requests the clerk to pay at the store, the clerk inputs the payment information to the payment terminal 102, and the payment information is transmitted to the payment advertisement generating device 106 via the network 100.

The advertisement generating device 106 receives the payment information and then inquires the personal information of the consumer using the payment information. As the key data included in the payment information used for the personal information inquiry, payment means identification information may be used. The personal information may be stored in a merchant information database of a credit card company.

The advertisement generating apparatus 106 determines whether the corresponding consumer is a payment information based advertisement service subscriber using the personal information inquired using the above method. The determination may be made by searching the subscriber data for data contained in the personal information.

The advertisement generating device 106 generates the advertisement message only when it is determined that the advertisement information subscriber is a payment information-based advertisement service subscriber. When the advertisement generating device 106 is determined to be the payment information of the consumer who is not the payment information based advertisement service subscriber as a result of the determination, it is preferable not to perform any further operation.

Next, an operation of determining whether the payment information collection server analyzes the payment information and determines whether the payment information is generated by the payment information-based advertisement service subscriber.

The advertisement information collection server 104 receives the payment information-based advertisement service subscription request from the consumer and stores subscriber data including at least one of payment method identification information or identification information of the consumer. As the identification information of the consumer, a social security number may be used. The subscriber data may be stored in at least one of the storage device 108 or the payment information collection server 104.

When the consumer requests the clerk to pay at the store, the clerk inputs the payment information to the payment terminal 102, and the payment information is transmitted to the payment information collection server 104 through the network 100.

After the payment information collection server 104 receives the payment information, the payment information is queried using the payment information. As the key data included in the payment information used for the personal information inquiry, payment means identification information may be used. The personal information may be stored in a merchant information database of a credit card company.

The payment information collection server 104 determines whether the corresponding consumer is a payment information based advertisement service subscriber using the personal information inquired using the above method. The determination may be made by searching the subscriber data for data contained in the personal information.

The payment information collection server 104 provides the payment information to the advertisement generating device 106 only when the consumer is a payment information based advertisement service subscriber as a result of the determination. The payment information collection server 104 may not provide the payment information to the advertisement generating device 106 when the consumer is not a payment information based advertisement service subscriber as a result of the determination.

According to the payment information-based advertising system according to the present embodiment, an advertisement message using the payment information of the consumer is generated and provided to the corresponding consumer only when the subscriber is a payment information-based advertisement service subscriber. There is an effect that can reduce the legal problems and consumer antagonism caused by processing.

Hereinafter, a payment information based advertisement method according to another embodiment of the present invention will be described with reference to FIG. 7.

7 is a flow chart of a payment information-based advertising method according to an embodiment of the present invention.

The payment information-based advertisement service subscription request is received from the consumer, and the subscriber data including the payment means identification information of the corresponding consumer is stored (S700). The storage location of the subscriber data is not limited, and the device for storing the subscriber data may be a device connected to a device for determining whether the subscriber is a subscriber through a network.

The advertisement generating device receives payment information generated by the payment terminal (S702). Receiving the payment information (S702) may be a step of first receiving the payment information collection server. In this case, the payment information collection server determines whether the received payment information is payment information by the subscriber (S704). That is, the payment information is not directly provided to the advertisement generating device, but after the payment information is collected by the payment information collection server that collects the payment information transmitted by the payment terminal, the payment information is associated with the subscriber. Only when it is determined that the information may be provided to the advertisement generating device.

In other words, in the step of transmitting the payment information to the advertisement generating device, the payment terminal generates payment information and transmits the payment information to the payment information collection server, and the payment information collection server is used for the payment using the payment information. Determining whether the subscriber data including the payment means identification information exists after providing the payment means identification code and providing the payment information to the advertisement generating device only when the subscriber data exists as a result of the determination. It may include a step.

Receiving the payment information (S702) is not received by the payment information collection server first, but the advertisement generation server immediately received from the payment terminal, or even if the payment information collection server first receives the advertisement simply do not determine whether the payment information by the subscriber It may be a step of delivering to the generation server. In such a case, the advertisement generating apparatus may check whether the received payment information is payment information by the subscriber (S704). In more detail, in the step S704 of checking whether the payment information is received by the subscriber, when the advertisement generating device receives the payment information, the payment generation identification code used for the payment is inquired by using the payment information. The method may include determining whether the subscriber data including the payment means identification code exists. The advertisement generating apparatus may not generate an advertisement message based on the payment information when there is no subscriber data including the payment means identification code as a result of the determination.

If the payment information is based on payment of the payment information-based advertisement service subscriber, the advertisement generating apparatus selects advertisement target store data from store data already stored (S706).

The selection S706 may be a method of selecting at least one store data among store attribute data and advertisement data of each store by inputting the received payment information to an advertisement target store selection rule.

The store attribute data includes location data, and the advertisement target store selection rule uses the payment information to inquire the location of the payment terminal that has transmitted the payment information, and then determines the location data closest to the location of the payment terminal. It may be to select the store data having.

In addition, the store attribute data includes industry type data, and the advertisement target store selection rule uses the payment information to search for an industry type of a store where a payment terminal that transmits the payment information is installed, and then the advertisement object corresponding to the industry type. The business type may be calculated, and the value of the business type data may be to select the store data corresponding to the advertising target business type.

The store attribute data may include industry type data, and the advertisement target store selection rule may be configured to search for an advertisement type industry corresponding to a time zone in which the payment information is generated, and then the value of the industry type data corresponds to the advertisement type industry. It may be to select the store data.

In addition, the store attribute data includes price level data, and the advertisement target store selection rule uses the payment information to inquire the type of business and the payment amount of the store in which the payment terminal that transmits the payment information is installed, and then the price for each industry type. By calculating the price level of the payment amount according to the level calculation criteria, the value of the price level data may be to select the store data corresponding to the price level of the payment amount.

The advertisement generating device generates an advertisement message including the advertisement content of the selected store data (S708).

The advertisement message generating step S708 may be a step of generating an advertisement message further including mileage accumulation information when the mileage accumulation information is included in the payment information. In this case, the mileage accrual information is also helpful to the consumer, thereby reducing the rejection of additionally included advertising messages.

The mileage accumulation information may include a mobile terminal number used as identification information of each mileage accumulation service subscriber, and the mobile terminal number may be used as a reception terminal identification number of the generated advertisement message.

In the case of using the mobile terminal number as identification information of the mileage accumulation service subscriber, since the different mileage accumulation cards are used in different stores, the inconvenience of bringing many cards can be reduced, and the advertisement method of the present invention is also applicable. There is an effect that can be used directly as the number of the terminal receiving the advertisement message generating the mobile terminal number.

In addition, the advertisement message generating step S708 may be a step of generating an advertisement message further comprising a card payment notification message corresponding to the payment information. That is, the advertisement message generating step (S708) is a step of inquiring a payment amount, payment place and payment time information using the payment information and generating an advertisement message further comprising the payment amount, payment place and payment time information. It may include.

If the advertisement message generation step (S708) to generate the advertising message merged with the payment guidance additional service as described above, if the payment is made by credit card or check card real-time payment guide to notify the mobile terminal payment details in real time It is effective in providing additional services free of charge. By this effect, it is possible to induce a subscription to the payment-based advertising service according to the present embodiment. As the number of subscribers increases, the effect of advertisement increases, and thus, an increase in advertisement sales of the payment-based advertisement service provider according to the present embodiment can be expected.

The advertisement generating apparatus inquires a mobile terminal number of a consumer using the payment information, and provides the mobile terminal number and the advertisement message to a message server, wherein the message server receives the mobile terminal number provided from the advertisement generating apparatus. Transmits the advertisement message provided from the advertisement generating device to the receiving terminal (S710).

Although embodiments of the present invention have been described above with reference to the accompanying drawings, those skilled in the art to which the present invention pertains may implement the present invention in other specific forms without changing the technical spirit or essential features thereof. I can understand that. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not limiting.

1 is a block diagram of a payment-based advertising system according to an embodiment of the present invention.

2 is a configuration example of a store database according to an embodiment of the present invention.

3 is a configuration example of a consumer database according to an embodiment of the present invention.

4 is a table configuration example of payment history data according to an embodiment of the present invention.

5 is a configuration example of a corresponding advertising target industry table for each industry type of payment store according to an embodiment of the present invention.

6 is a configuration example of a corresponding advertising target industry table for each time of payment according to an embodiment of the present invention.

7 is a flow chart of a payment information-based advertising method according to an embodiment of the present invention.

Claims (22)

A storage device configured to store store data including data indicative of attributes of the store and advertisement content; And A payment information-based advertising system comprising an advertisement generating device for selecting at least one store data from the store data based on the payment information received from the payment terminal and generating an advertisement message including advertisement content of the selected store data. . The method of claim 1, The data indicative of an attribute of the store includes location data about the store, And the advertisement generating apparatus searches for the location of the payment terminal that has transmitted the payment information using the payment information, and then selects store data having location data closest to the location of the payment terminal. The method of claim 1, The data representing the attribute of the store includes industry type data about the store, The advertisement generating apparatus uses the payment information to query the type of business in which the payment terminal that has transmitted the payment information is installed, and then calculates an advertising target business type corresponding to the business type, and the value of the business data is the advertising target business type. Billing information-based advertising system for selecting the store data corresponding to the. The method of claim 1, The data representing the attribute of the store includes industry type data about the store, The advertisement generating apparatus is a payment information-based advertising system for selecting the store data corresponding to the type of business to be the value of the industry data after querying the target business type corresponding to the time zone when the payment information is generated. The method of claim 1, The data representing the attributes of the store includes price level data about the store, The advertisement generating apparatus uses the payment information to look up the type of business and the payment amount of the store in which the payment terminal that transmits the payment information is installed, and then calculates the price level of the payment amount according to the price level calculation standard for each industry. Billing information-based advertising system for selecting the store data value of the price level data corresponding to the price level of the payment amount. The method of claim 1, The storage device further stores consumer data including payment method identification information and advertisement receiving designated store data of each consumer, The advertisement generating apparatus searches for the payment means identification information of the payment means used for the payment using the payment information, and then searches for the consumer data including the payment means identification information queried in the consumer database. Billing information-based advertising system that selects the store data that matches the advertisement receiving designated store data of consumer data. The method according to any one of claims 3 to 6, The data representing the attribute of the store further includes location data of the store, When the advertisement generating apparatus has two or more selected store data, the advertisement generating apparatus inquires the position of the payment terminal that transmits the payment information by using the payment information, and then selects the position and the position of the payment terminal among the selected store data. Billing information-based advertising system that finalizes store data with near location data. The method of claim 1, The storage device further stores consumer data including payment method identification information and payment history data of each consumer, The advertisement generating apparatus searches for the payment means identification information of the payment means used for the payment using the payment information, and then searches for the consumer data including the payment means identification information queried in the consumer database. Billing information-based advertising system for selecting the store data for the next settlement of the inquiry payment history by querying the recent payment history made in the store where the payment terminal that transmitted the payment information of the payment history data of the consumer data is installed. The method of claim 1, The payment information-based advertising system further includes a message server, The advertisement generating apparatus inquires the mobile terminal number of the consumer using the payment information, and then provides the mobile terminal number and the advertisement message to the message server. And the message server transmits the advertisement message provided from the advertisement generating apparatus using the mobile terminal number provided from the advertisement generating apparatus as a receiving terminal. The method of claim 1, And the advertisement generating device generates the advertisement message only when the consumer is an information-based advertisement service subscriber after inquiring personal information of the consumer using the payment information. The method of claim 1, After the payment terminal relays the payment information transmitted to the advertisement generating device and inquires the personal information of the consumer using the payment information, the payment information is provided only when the consumer is a subscriber of payment information based advertisement service. Payment information-based advertising system further comprises a payment information collection server provided to the generating device. Selecting at least one store data among store data consisting of data representing advertisement attributes and advertisement content based on the payment information received from the payment terminal; Generating an advertisement message including advertisement content of the selected store data; Querying a mobile terminal number of a consumer using the payment information, and providing the inquired mobile terminal number and the advertisement message. 13. The method of claim 12, The advertising message, The payment information-based advertising method is transmitted using the inquired mobile terminal number as a receiving terminal. 13. The method of claim 12, Before receiving the at least one store data from the store data, accepting the payment information-based advertisement service subscription request from the consumer, and storing the subscriber data including the payment means identification information of the consumer; Advertising method. The method of claim 14, Selecting at least one store data of the store data, Querying the payment means identification information used for the payment by using the payment information received from the payment terminal, and then determining whether the subscriber data including the searched payment means identification information exists; And Based on the payment information received from the payment terminal only when there is the subscriber data including the payment means identification information as a result of the determination, at least one store data of data representing the store property and store data composed of advertisement contents. Billing information-based advertising method comprising the step of selecting. 13. The method of claim 12, The payment information, Include mileage accrual information, Generating the advertising message, Billing information-based advertising method comprising the step of generating an advertising message further comprising mileage earning information. The method of claim 16, The mileage accrual information, Billing information-based advertising method comprising a mobile terminal number used as identification information of each mileage earning service subscriber. 13. The method of claim 12, Generating the advertising message, Querying payment amount, payment place, and payment time information by using the payment information; And Billing information-based advertising method comprising the step of generating an advertising message further comprising the payment amount, payment place and payment time information. 13. The method of claim 12, Data representing the attribute of the store, Include location data about the store, Selecting at least one store data of the store data, And retrieving the location of the payment terminal that has transmitted the payment information by using the payment information, and selecting store data having location data closest to the location of the payment terminal. 13. The method of claim 12, Data representing the attribute of the store, Contains industry data about the store, Selecting at least one store data of the store data, Using the payment information, the business type of the store in which the payment terminal which transmits the payment information is installed is inquired, and then the advertisement target industry corresponding to the industry is calculated, and the value of the industry data corresponds to the store data corresponding to the advertisement target industry. Billing information-based advertising method comprising the step of selecting. 13. The method of claim 12, Data representing the attribute of the store, Contains industry data about the store, Selecting at least one store data of the store data, The method of claim 1, further comprising: selecting store data corresponding to the type of business to which the value of the type of business data is searched after the type of business to be searched corresponding to the time zone in which the payment information is generated. 13. The method of claim 12, Data representing the attribute of the store, Include price level data about the store, Selecting at least one store data of the store data, After querying the type of business and the payment amount of the store in which the payment terminal which transmitted the payment information is installed using the payment information, the price level of the payment amount is calculated according to the price level calculation criteria for each industry, and the value of the price level data is The payment information-based advertising method comprising the step of selecting the store data corresponding to the price level of the payment amount.

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