KR20120087215A - Providing system of the coupon service for credit card, and method of the same - Google Patents

Providing system of the coupon service for credit card, and method of the same Download PDF

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KR20120087215A
KR20120087215A KR1020100117443A KR20100117443A KR20120087215A KR 20120087215 A KR20120087215 A KR 20120087215A KR 1020100117443 A KR1020100117443 A KR 1020100117443A KR 20100117443 A KR20100117443 A KR 20100117443A KR 20120087215 A KR20120087215 A KR 20120087215A
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coupon
information
credit card
payment
client
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KR1020100117443A
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Korean (ko)
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김성한
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(주)맥스카드시스템즈
주식회사 와이즈케어
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Priority to KR1020100117443A priority Critical patent/KR20120087215A/en
Publication of KR20120087215A publication Critical patent/KR20120087215A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Signal Processing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A system and method for providing a credit card coupon service are provided to enable a client to receive a price discount service or an interest free installment service regardless of the production of coupons. CONSTITUTION: A coupon operation unit(110) registers created coupon target information in a coupon target database(111) by matching credit card information with coupon information. A payment processing unit(120) processes a price discount services or an interest free installment service according to the coupon information matched with the credit card information when the credit card information including the payment approval request information of a credit card is included in the coupon target information. The payment processing unit processes a payment approval process.

Description

PROVIDING SYSTEM OF THE COUPON SERVICE FOR CREDIT CARD, AND METHOD OF THE SAME}

The present invention relates to a credit card coupon service providing system and a method thereof, and more particularly, to a credit card coupon service providing system and method that can easily provide a discount on the card payment or interest-free installment benefits.

In recent years, the use of credit cards is increasing day by day, the government is actively recommended in terms of exposure of commerce, and the individual has the advantage of not feeling the burden of lump sum payment through installment.

In line with this trend, each credit card company offers various types of events to use their credit card or provides mileage or points for purchase of goods or service payment.

In addition, by providing installments at no interest on the payment amount or by discounting the use of credit cards at specific businesses within a certain period of time, the use of the company's credit cards is encouraged.

On the other hand, manufacturers, service providers or stores issue various types of coupons to increase sales. For example, paper coupons may be issued or electronic coupons may be provided using a mobile phone.

However, in order to use these various coupons, it is necessary to collect the coupons through various paths, and it is cumbersome to present the coupon at the time of payment.

In particular, these days when new credit card products are continuously being made by each card company, it is difficult for the merchants to remember whether the card has a discount or interest-free installment benefits even if the customer presents the card to the merchant. It is an easy reality to pass by. There is a need for a simpler service that provides benefits without the need for customers and merchants to remember card benefits.

Accordingly, the technical problem of the present invention is conceived in this respect, the object of the present invention is to provide a credit card coupon service system that allows customers to receive card benefits, such as price discount or interest-free installment, without remembering or presenting the coupons one by one; To provide a way.

Credit card coupon service providing system according to an embodiment for realizing the object of the present invention includes a coupon operating unit and payment processing unit. The coupon operation unit registers the coupon target information generated by matching the credit card information and the coupon information in the coupon target database. If the credit card information included in the payment authorization request information of the credit card is included in the coupon target information, the payment processing unit performs at least one of price discount and interest-free installment processing according to the coupon information matched with the credit card information. To approve payment.

In one embodiment of the present invention, the coupon operation unit, coupon generation unit for generating coupon information according to the coupon application information sent from the client client; And a coupon transmission unit configured to transmit the generated coupon information to at least one of an email account of the customer indicated in the coupon application information and a mobile terminal.

In one embodiment of the present invention, the coupon operation unit is instructed to set the automatic use option for the automatic use of the coupon from the customer client, and the automatic use option information in which the automatic use of the indicated coupon is set to the coupon target information. It can be included and registered in the coupon target database.

In one embodiment of the present invention, the payment processing unit, receiving a payment approval request information for the credit card payment of the customer from the merchant client, the coupon target information of the credit card requested payment approval includes automatic use option information In this case, payment approval may be performed by performing at least one of the price discount and interest-free installment processing.

In one embodiment of the present invention, the payment processing unit, if the coupon target information of the credit card requested payment approval does not include automatic use option information, the coupon information of the coupon target information included in the credit card information It may include a coupon information providing unit for transmitting to the mobile terminal of the customer.

In one embodiment of the present invention, the coupon operating unit may include a coupon approval unit for generating coupon information according to the coupon authentication request sent from the merchant client.

In one embodiment of the present invention, the coupon management unit may update the coupon target information of the credit card information that has been approved by the payment processing unit in the coupon target database.

In one embodiment of the present invention, the coupon information may include at least one of coupon number, product information, merchant information, price discount information and interest-free installment information.

In one embodiment of the present invention, it may further include a VAN service network for receiving the payment approval request information from the merchant client to the payment processing unit, and transmits the payment approval processing result from the payment processing unit to the merchant client. .

In one embodiment of the present invention, the affiliated store client may include a point of sales (POS) terminal.

In one embodiment of the present invention, the payment processing unit may include a credit card company payment approval system.

In a method of providing a credit card coupon service according to another exemplary embodiment for realizing the object of the present invention, coupon target information generated by matching credit card information and coupon information is registered in a coupon target database. When the credit card information included in the payment authorization request information of the credit card is included in the coupon target information, the payment approval is performed by performing at least one of price discount and interest-free installment processing according to the coupon information matched with the credit card information. Process.

In one embodiment of the present invention, generating the coupon information according to the coupon request information sent from the customer client; And transmitting the generated coupon information to at least one of an email account of the customer indicated in the coupon application information and a mobile terminal.

In an embodiment of the present disclosure, registering the coupon target information may include: instructing an automatic use option setting regarding whether to automatically use a coupon from the customer client; And including the automatic use option information, in which the automatic use of the indicated coupon is set, in the coupon target information and registering in the coupon target database.

In an embodiment of the present invention, the payment approval process may include: receiving payment approval request information for credit card payment of a customer from an affiliated client; And checking whether the requested credit card information is included in the coupon target information.

In an embodiment of the present disclosure, the payment approval processing may include: performing payment at least one of the price discount and the interest-free installment processing when the coupon target information of the credit card for which payment is requested includes automatic use option information. Approval can be done.

In an embodiment of the present disclosure, the payment approval processing may include: if the coupon target information of the requested credit card does not include automatic use option information, the coupon information of the coupon target information is included in the credit card. The method may further include transmitting to the mobile terminal of the customer included in the information.

In an embodiment of the present disclosure, registering the coupon target information may generate coupon information according to a coupon authentication request transmitted from an affiliated store client.

In an embodiment of the present disclosure, the method may further include updating coupon target information of the credit card information processed in the coupon target database.

According to such a credit card coupon service providing system and method thereof, discounts or interest-free installment benefits, such as by providing a service in the form of a coupon without the need to remember the card benefits at the customer and the merchant, and pre-certified this grant benefits Can provide services.

1 is a schematic configuration diagram of a credit card coupon service providing system according to the present invention.
Figure 2 is a detailed network / server configuration of the credit card coupon service providing system according to the present invention.
3 is a schematic flowchart of a method of providing a credit card coupon service according to the present invention.
4 is a flowchart of a credit card coupon service providing method according to a first embodiment of the present invention.
5 is a flowchart illustrating a credit card coupon service providing method according to a second exemplary embodiment of the present invention.
6 is a flowchart illustrating a credit card coupon service providing method according to a third exemplary embodiment of the present invention.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. However, this is not intended to limit the present invention to the specific form disclosed, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. Like reference numerals are used for like elements in describing each drawing. The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "consist of" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described on the specification, but one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

Hereinafter, with reference to the accompanying drawings, it will be described in detail a preferred embodiment of the present invention.

1 is a schematic configuration diagram of a credit card coupon service providing system according to the present invention.

Referring to FIG. 1, the credit card coupon service providing system 100 according to an exemplary embodiment of the present invention includes a coupon operating unit 110 and a payment processing unit 120. The client client 130 may further include a merchant client 140 and a VAN service network 150.

The coupon operation unit 110 registers the coupon target information generated by matching the credit card information and the coupon information in the coupon target database 111. The credit card information may include credit card company, credit card type, credit card number and customer information about the customer. The coupon information may include at least one of coupon number, product information, merchant information, price discount information, and interest-free installment information. Here, the coupon information may be delivered from an external system or may be generated and used by the coupon operation unit 110.

More specifically, the coupon operation unit 110 is a coupon generation unit 113 for generating coupon information according to the coupon application information transmitted from the customer client 130, the customer indicated in the coupon application information generated coupon information Coupon transmission unit 115 for transmitting to at least one of the e-mail account and the mobile terminal 131, may include a coupon approval unit 117 for generating coupon information in accordance with the coupon authentication request sent from the merchant client 140. . Here, the coupon application information may include a card number, merchant number, coupon expiration date and the like.

In the present invention, coupons can be viewed, purchased, registered, and used at merchants through mobile terminals connected to the wired / wireless internet, as well as through other computer devices equipped with related programs and capable of generating, storing and processing information. Each of these processes can be done.

In the case of a product coupon, when a customer purchases a specific product specified in the coupon within the period of use described in the coupon and presents the coupon, the coupon is discounted by the discount amount indicated in the coupon. Additional information includes the name of the product coupon, It may include information about the commodity code applied, expiration date, discount amount, and frequency of use.

On the other hand, in the case of a free coupon, if the customer meets the terms of use specified in the coupon (for example, the total purchase amount is 100,000 won or more) and presents the corresponding coupon, the discounted amount or discount rate indicated in the coupon will be discounted. A coupon in the form of a note, the additional information may include the conditions of use, period of validity (validity), discount amount (or discount rate).

However, the additional information is not limited to the above information and may be configured to include various types of information to be provided to the user. In particular, when the coupon is displayed on the mobile terminal 131, the image file may be further included in the additional information to be processed and displayed as an image.

The coupon operation unit 110 is instructed by the client client 130 to use the automatic use option setting for the automatic use of the coupon, including the automatic use option information in which the automatic use of the indicated coupon is set to the coupon target information to the coupon target It can be registered in the database 111. The automatic use option of the coupon is an option for automatically processing a service such as price discount or interest-free installment, regardless of whether or not the coupon is presented when the customer wants to use the automatic coupon function. When the coupon is presented at the time of payment, the coupon may be used regardless of the automatic use option setting.

For example, when a customer wants a coupon automatic use function when applying for a coupon, the coupon operating unit 110 includes the automatic use option information in the coupon target information and registers it in the coupon target database 111, and the payment processing unit 120 includes the above. When a payment request for a credit card included in the coupon target information is received, payment is automatically processed by processing a discount, interest-free installment, etc. corresponding to the pre-registered coupon.

In addition, the coupon operating unit 110 preferably updates the coupon target information of the credit card information processed by the payment processing unit 120 in the coupon target database 111.

If the credit card information included in the payment authorization request information of the credit card is included in the coupon target information, the payment processing unit 120 includes at least one of price discount and interest-free installment processing according to the coupon information matched with the credit card information. Do one to process payment approval.

Specifically, the payment processing unit 120 receives payment approval request information for the credit card payment of the customer from the merchant client 140, the coupon target information of the credit card requested payment approval includes automatic use option information In this case, payment approval is performed by performing at least one of the price discount and interest-free installment processing.

For example, the payment processor 120 may determine whether the type of coupon is a coupon that can be paid for a current merchant or a product from the coupon information matched with the credit card information. This step is an optional step and the retailer can set the discount to apply regardless of the type of coupon. As a result of the determination, if the coupon is payable, the payment processing unit 120 recalculates the payment amount by applying a discount rate or interest-free installment according to the coupon with respect to the payment amount.

As such, it is possible to provide services such as discounts or interest-free installment benefits by providing a service in the form of a coupon without having to remember the card benefits at the customer and the affiliated store, and pre-certifying the benefits in advance.

The payment processing unit 120 may include a credit card company payment approval system 121. The credit card company payment approval system 121 processes payment by at least one of a bank transfer, a credit card, a mobile phone payment and a cyber money according to a purchase request. The purchase price settlement process of the credit card may be a task of deducting the coupon or service point operated internally from the credit card service providing system by the price of the purchase price from the user's reserve.

Generally, the credit card company examines the credit card holder's credit status or balance to approve and decide whether to approve the payment amount. If the authorization is not possible, a non-payment message may be sent to the merchant's credit card payment terminal for printing on the card slip.

The payment processing unit 120 includes the coupon information of the coupon target information included in the credit card information when the coupon target information of the credit card for which payment is requested does not include automatic use option information. It may include a coupon information providing unit 123 to be transmitted to. When the coupon information providing unit 123 receives the payment processing result from the credit card company payment approval system 121, the mobile payment of the customer in a short message method through the short message service center (not shown) of the mobile communication network It may be delivered to the terminal 131.

The customer client 130 is an electronic device for a customer to apply for a coupon or receive a credit card related service, and includes a mobile terminal 131 and a PC. The mobile terminal 131 includes a smartphone and a personal digital assistant (PDA), a handheld PC, a WEB PAD, and the like. In another aspect of the present invention, the mobile terminal 131 may be replaced with various user terminals such as a personal computer and a notebook.

Merchant client 140 is offline with a credit card payment terminal that can communicate with the credit card provider by additionally input the coupon or coupon use identification code and code number, point payment use identification code, etc. It refers to an e-commerce company that has an online payment access network that can communicate with a company or a credit card provider through the Internet.

The affiliated store client 140 may include a point of sales (POS) terminal. In general, point of sales (POS) is a system that allows you to manage sales and inventory in real time at the point of sale, and how exactly your current median sales are until you open and close your store. Sales management, how much cash is in the market, how much cash is normal, how much inventory is left, and how much is paid to each customer. It is a system that manages efficiently. In the present invention, a POS device and a branch server construct a POS system.

The VAN service network 150 receives the payment approval request information from the merchant client 140 and transmits the payment approval request information to the payment processing unit 120, and transmits the payment approval processing result from the payment processing unit 120 to the merchant client 140. send.

Figure 2 is a detailed network / server configuration of the credit card coupon service providing system according to the present invention.

Coupon operation system 110a is a combination of software and information processing device that stores and manages coupon information and member information, and processes corresponding services by receiving request information such as coupon issuance and membership registration from customers through wired / wireless networks. to be. The coupon operation system 110a may be configured in detail with a coupon DB server 111a, a coupon application system 113a, a coupon delivery system 115a, and a coupon approval system 117a.

The coupon operation system 110a generates coupon information according to the coupon application request transmitted through the coupon application system 113a, matches the credit card information and the coupon information, and registers the matching data in the coupon DB server 111a. . The coupon DB server 111a may be provided in the coupon operation system 110a or may be provided in the card company system 120a. Coupon application system 113a can also build a mobile coupon application system using the ARS.

The card company system 120a may include a card company approval system 121a, a coupon service management system 124a, a coupon service DB server 125a, a card company purchase system 126a, and a card company billing system 127a in detail. The coupon DB server 111a of the coupon operation system 110a may be operated and managed as a coupon service management system 124a and a coupon service DB server 125a in the card company system 120a.

The card company system 120a may check whether the credit card information or the coupon information requested through the coupon operation system 110a is registered in the coupon DB server 111a. As another example, the coupon service management system 124a may be used. ) Can check whether the credit card information or coupon information requested for payment is registered in the coupon service DB server 125a. The coupon operation system 110a and the card company system 120a may communicate information with each other through a VAN network or an Internet network.

The card company purchase system 126a performs interest-free processing and credit processing when the customer purchases the slips to the issued coupon merchant, and the card company billing system 127a bills the customer for the final payment amount.

For example, when a credit card holder (customer) requests a credit card payment to purchase a product or pay for a service, the credit card related information is read through a terminal 141a connected to the merchant client 140a. . The read credit card related information is created by combining payment details and merchant information generated by the credit card transaction approval inquiry constituting the merchant client 140a, such as the POS terminal 141a, and writing the payment approval request information. It transmits to the relay system 150a of (VAN; Value Added Network) company.

Upon receiving the payment approval request information, VAN's approval system 151a reads the credit card related information included in the payment approval request information and transfers the combination of data related to the approval request to the transaction approval system 121a of the credit card company. It is transmitted through the packet network.

Subsequently, when the credit card company's payment approval system 121a which has received the payment approval request information includes the credit card information included in the payment approval request information, the coupon target information includes a coupon matching the credit card information. According to the information, at least one of price discount and interest-free installment processing is performed to process payment approval. In addition, the credit card company's payment approval system 121a basically compares the user information, payment history, and merchant information included in the payment approval request details with its own member data or merchant data, respectively, and both the user and the merchant are disqualified as transaction members. Verify that there are no reasons and that transactions between them are valid.

Subsequently, the payment approval system 121a returns the result of the payment approval request to the VAN's approval system 151a which relayed the payment approval request through the packet network. The approval system 151a of the VAN company, which has received the payment approval result, reads the merchant information included in the payment approval result history and returns the payment approval result to the merchant client 140a in which the payment approval request was first generated through the telephone network.

According to the present invention, the merchant client 140a is provided with a payment agent for selective discounts on purchase items or services. The payment agent may be provided in the form of an application program or in the form of a chip containing a program.

Meanwhile, coupon information matching the credit card information stored / managed by the coupon operation system 110a may be implemented as a table having a credit card number as a key and unique numbers, additional information, and history information of a plurality of coupons as records. In the history information of the coupon, information related to the reception and use of the corresponding coupon may be recorded. According to the payment processing result, the available number of coupons is reduced by the number of times used in the payment processing process, and as a result, the coupon with the available number of times is deleted from the coupon information for each mobile shopping service member.

3 is a schematic flowchart of a method of providing a credit card coupon service according to the present invention.

Referring to FIG. 3, in the method of providing a credit card coupon service according to an exemplary embodiment of the present invention, first, coupon information is generated according to coupon application information transmitted from a customer client (S10). Here, the coupon application information may include a card number, merchant number, coupon expiration date and the like. Meanwhile, coupon information may be generated according to a coupon authentication request sent from the affiliate client.

The generated coupon information is transmitted to at least one of the customer's email account and mobile terminal indicated in the coupon application information (S15).

In accordance with an instruction from the client client, an automatic usage option regarding automatic use of a coupon is set (S20). The automatic use option of the coupon is an option for automatically processing a service such as price discount or interest-free installment, regardless of whether or not the coupon is presented when the customer wants to use the automatic coupon function.

Then, the automatic use option information in which the automatic use of the indicated coupon is set is included in the coupon target information and registered in the coupon target database (S30). The credit card information may include credit card company, credit card type, credit card number and customer information about the customer. The coupon information may include at least one of coupon number, product information, merchant information, price discount information, and interest-free installment information. Here, the coupon information may be delivered from an external system or may be generated and used by the coupon operation unit 110.

If the automatic use option is not set, the coupon target information generated by matching the credit card information and the coupon information without including the automatic usage option information is registered in the coupon target database (S35).

Next, the payment approval request information for the credit card payment of the customer is received from the affiliated client (S40). It is checked whether the credit card information requested for payment approval is included in the coupon target information (S50). If the credit card information requested for payment approval is not included in the coupon target information, it is notified that it is not a coupon service target (S55).

It is checked whether the automatic use option is set in the coupon target information matched with the requested credit card information (S60). If the coupon target information of the credit card for which payment is requested is not included in the automatic use option information, the coupon information of the coupon target information is transmitted to the mobile terminal of the customer included in the credit card information (S65). .

If the coupon target information of the credit card requested for payment approval includes automatic use option information, at least one of the price discount and interest-free installment processing is performed (S70). For example, the payment processor 120 may determine whether the type of coupon is a coupon that can be paid for a current merchant or a product from the coupon information matched with the credit card information. This step is an optional step and the retailer can set the discount to apply regardless of the type of coupon. As a result of the determination, if the coupon is payable, the payment processing unit 120 recalculates the payment amount by applying a discount rate or interest-free installment according to the coupon with respect to the payment amount.

And the payment approval process is applied to the payment amount to which the coupon service is applied (S80). Coupon target information of the credit card information that has been approved for payment is updated in the coupon target database (S90).

As such, it is possible to provide services such as discounts or interest-free installment benefits by providing a service in the form of a coupon without having to remember the card benefits at the customer and the affiliated store, and pre-certifying the benefits in advance.

4 is a flowchart of a credit card coupon service providing method according to a first embodiment of the present invention.

The first embodiment of the present invention is an automatic registration coupon service, which is the same as the above-described feature of the credit card coupon service providing system 100. First, if the customer 130a wants the coupon auto use function when applying for the coupon, the coupon operation center 110a includes the auto use option information in the coupon target information and registers in the coupon target database 111a, and the card company 120a. When the payment request of the credit card included in the coupon target information is received from the affiliated store (140a) automatically accepts payment discount processing, interest-free installment, etc. corresponding to the pre-registered coupon.

For example, when a credit card holder (customer) requests a credit card payment to purchase a product or pay for a service, the credit card related information is read through a terminal 141a connected to the merchant client 140a. . The read credit card related information is created by combining payment details and merchant information generated by the credit card transaction approval inquiry constituting the merchant client 140a, such as the POS terminal 141a, and writing the payment approval request information. It transmits to the relay system 150a of (VAN; Value Added Network) company.

Upon receiving the payment approval request information, VAN's approval system 151a reads the credit card related information included in the payment approval request information and transfers the combination of data related to the approval request to the transaction approval system 121a of the credit card company. It is transmitted through the packet network.

Subsequently, when the credit card company's payment approval system 121a which has received the payment approval request information includes the credit card information included in the payment approval request information, the coupon target information includes a coupon matching the credit card information. According to the information, at least one of price discount and interest-free installment processing is performed to process payment approval. In addition, the credit card company's payment approval system 121a basically compares the user information, payment history, and merchant information included in the payment approval request details with its own member data or merchant data, respectively, and both the user and the merchant are disqualified as transaction members. Verify that there are no reasons and that transactions between them are valid.

Subsequently, the payment approval system 121a returns the result of the payment approval request to the VAN's approval system 151a which relayed the payment approval request through the packet network. The approval system 151a of the VAN company, which has received the payment approval result, reads the merchant information included in the payment approval result history and returns the payment approval result to the merchant client 140a in which the payment approval request was first generated through the telephone network.

According to the present invention, the merchant client 140a is provided with a payment agent for selective discounts on purchase items or services. The payment agent may be provided in the form of an application program or in the form of a chip containing a program.

Thereafter, the merchant 140a submits the credit card slip to the card company 120a and receives the credit card payment after deducting the credit card payment fee by the purchase request of the VAN company 150a. The card company 120a receives the customer's credit card payment fee. Bill 130a charges the credit card payment, and customer 130a pays the bill to complete the settlement. Meanwhile, the coupon operation center 110a may provide the coupon use history to the card company 120a and receive the points accumulated amount and the integrated point management agency fee accordingly.

5 is a flowchart illustrating a credit card coupon service providing method according to a second exemplary embodiment of the present invention.

In the second embodiment of the present invention, the customer 130b is a use-intention-type coupon service in which the customer 130b presents the coupon at the affiliated store 140b. When the customer 130b applies for the coupon, the coupon operation center 110b receives the credit card information. The coupon information is matched and registered in the coupon target database, and the card company 120b receives a discount on the credit card and the coupon included in the coupon target information from the affiliated store 140b in response to the presented coupon. Etc. to approve payment.

6 is a flowchart illustrating a credit card coupon service providing method according to a third exemplary embodiment of the present invention.

The third embodiment of the present invention is a merchant coupon authentication type service, when entering a coupon number into the merchant 140c terminal requesting the use of the coupon, the coupon operation center 110c with the credit card information and the merchant coupon with the coupon approval The information is matched and registered in the coupon destination database, and the card company 120c processes the price discount, interest-free installment, etc. corresponding to the approved coupon and approves the payment.

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The media may be program instructions that are specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal line, a wave guide, or the like, including a carrier wave for transmitting a signal designating a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

Although described above with reference to the embodiments, those skilled in the art can be variously modified and changed within the scope of the present invention without departing from the spirit and scope of the invention described in the claims below. I can understand.

100: credit card coupon service providing system
110: coupon operation unit 120: payment processing unit
130: customer client 140: merchant client
150: VAN service network

Claims (19)

A coupon operating unit for registering coupon target information generated by matching credit card information and coupon information in a coupon target database; And
When the credit card information included in the payment authorization request information of the credit card is included in the coupon target information, the payment approval is performed by performing at least one of price discount and interest-free installment processing according to the coupon information matched with the credit card information. Credit card coupon service providing system comprising a payment processing unit for processing. The method of claim 1, wherein the coupon operation unit,
A coupon generation unit generating coupon information according to the coupon application information transmitted from the client client; And
Credit card coupon service providing system comprising a coupon transmission unit for transmitting the generated coupon information to at least one of the customer's email account and the mobile terminal indicated in the coupon application information. The method of claim 2, wherein the coupon operation unit,
Receiving an automatic use option setting regarding whether the coupon is automatically used or not from the client client, and including the auto use option information in which the automatic use of the indicated coupon is set in the coupon target information to register in the coupon target database; Credit card coupon service provision system. The method of claim 3, wherein the payment processing unit,
Receive payment authorization request information for the customer's credit card payment from the merchant client.
The credit card coupon service providing system, characterized in that the payment approval process by performing at least one of the price discount and interest-free installment processing, if the coupon target information of the credit card requested payment approval includes automatic use option information. The method of claim 4, wherein the payment processing unit,
If the coupon target information of the credit card requested payment approval does not include automatic use option information, the coupon information providing unit for transmitting the coupon information of the coupon target information to the mobile terminal of the customer included in the credit card information; Credit card coupon service providing system, characterized in that. The method of claim 1, wherein the coupon operation unit,
Credit card coupon service providing system, characterized in that it comprises a coupon approval unit for generating coupon information according to the coupon authentication request sent from the merchant client. The method of claim 1, wherein the coupon operation unit,
The credit card coupon service providing system, characterized in that for updating the coupon target information of the credit card information that has been approved by the payment processing unit in the coupon target database. The method of claim 1,
The coupon information is a credit card coupon service providing system comprising at least one of coupon number, product information, merchant information, price discount information and interest-free installment information. The method according to claim 1,
Receiving the payment approval request information from the merchant client and transmits to the payment processing unit, Credit card coupon service providing system further comprises a VAN service network for transmitting the payment approval processing result from the payment processing unit to the merchant client. . 10. The method of claim 9,
The merchant client client credit card coupon service providing system characterized in that it comprises a point of sales (POS) terminal. The method according to claim 1,
The payment processing unit credit card coupon service providing system, characterized in that it comprises a credit card company payment approval system. Registering coupon target information generated by matching credit card information and coupon information in a coupon target database; And
When the credit card information included in the payment authorization request information of the credit card is included in the coupon target information, the payment approval is performed by performing at least one of price discount and interest-free installment processing according to the coupon information matched with the credit card information. Credit card coupon service providing method comprising the step of processing. The method of claim 12,
Generating coupon information according to the coupon application information transmitted from the client client; And
And transmitting the generated coupon information to at least one of an e-mail account and a mobile terminal of a customer indicated in the coupon application information. The method of claim 13, wherein registering the coupon target information comprises:
Instructing an automatic use option setting regarding whether to automatically use a coupon from the client client; And
Credit card coupon service providing method comprising the step of including in the coupon target database including the automatic use option information is set automatic use of the indicated coupon in the coupon target information. The method of claim 14, wherein the payment approval processing,
Receiving payment authorization request information for the credit card payment of the customer from the merchant client; And
And checking whether the credit card information requested for the payment approval is included in the coupon target information. The method of claim 15, wherein the payment approval processing,
When the coupon target information of the credit card requested payment approval includes automatic usage option information, the credit card coupon service providing method characterized in that the payment approval processing by performing at least one of the price discount and interest-free installment processing. The method of claim 16, wherein the payment approval processing,
If the coupon target information of the credit card for which payment is requested does not include automatic use option information, transmitting the coupon information of the coupon target information to a mobile terminal of a customer included in the credit card information; Credit card coupon service providing method characterized in that. The method of claim 12, wherein registering the coupon target information comprises:
Credit card coupon service providing method characterized in that to generate coupon information according to the coupon authentication request sent from the merchant client. The method of claim 12,
And updating the coupon target information of the payment approval credit card information in the coupon target database.
KR1020100117443A 2010-11-24 2010-11-24 Providing system of the coupon service for credit card, and method of the same KR20120087215A (en)

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20140088005A (en) * 2012-12-27 2014-07-09 주식회사 다음커뮤니케이션 Method, server and system of providing membership service
KR20150053298A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150053300A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150053299A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR101531260B1 (en) * 2013-03-20 2015-06-25 (주)레몬스코리아 A System ＆ A Method For Cupon Certification And A Courier Service System Having Authentication
KR20150080979A (en) * 2014-01-02 2015-07-13 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR102222392B1 (en) * 2020-04-02 2021-03-03 주피타카 주식회사 Automatic creation and marketing system of customer ledger using credit card number

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20140088005A (en) * 2012-12-27 2014-07-09 주식회사 다음커뮤니케이션 Method, server and system of providing membership service
KR101531260B1 (en) * 2013-03-20 2015-06-25 (주)레몬스코리아 A System ＆ A Method For Cupon Certification And A Courier Service System Having Authentication
KR20150053298A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150053300A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150053299A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150080979A (en) * 2014-01-02 2015-07-13 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR102222392B1 (en) * 2020-04-02 2021-03-03 주피타카 주식회사 Automatic creation and marketing system of customer ledger using credit card number

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