KR20120091665A - System and method for providing consumer satisfaction information with member shop - Google Patents

Abstract

PURPOSE: A system for providing consumer satisfaction evaluation with a member shop and a method thereof are provided to induce requirements of consumers by using a messaging service, thereby obtaining the higher reliability. CONSTITUTION: A member store terminal requests payment authorization demanded through a payment device provided by a consumer. An electronic finance payment server is connected with a payment approval history message through a messaging service. The electronic finance payment server transmits a question and answer message for a consumer evaluation investigation with a member shop to a mobile communication terminal of a consumer. The electronic finance payment server is provided member store evaluation information from the member shop to a mobile communication terminal corresponding to the question and answer message.

Description

Merchant satisfaction evaluation system and its method {SYSTEM AND METHOD FOR PROVIDING CONSUMER SATISFACTION INFORMATION WITH MEMBER SHOP}

The present invention relates to a system and a method for providing a customer satisfaction evaluation system for a merchant, and in detail, the present invention relates to a merchant evaluation site through a short message of approval of payment by a domestic card company when a customer has a complaint or a taste rumor after visiting a merchant. By accessing the main information, that is, to evaluate the satisfaction of the merchant individually, it is possible to provide the merchant customer satisfaction evaluation information that makes the members more reliable.

In general, a series of projects are being conducted to survey consumer evaluation of merchant satisfaction to provide accurate and reliable evaluation information to consumers (customers) using the merchant. Consumer evaluation survey methods for evaluating the satisfaction of merchants include telephone survey method, questionnaire survey method, and internet survey method.

The survey using the telephone and the survey using the questionnaire are conducted randomly by an unspecified person anonymously, so that the response rate is low and the fidelity of the response is low, so a reliable evaluation cannot be obtained. In addition, since the evaluation survey is performed after a certain time after the use of the merchant, there is a time difference between the point of use and the point of evaluation, so it is difficult to accurately investigate.

And these survey methods require a lot of manpower and are not cost effective.

In addition, the survey method using the Internet is carried out by visiting the evaluation information providing site directly. As with the other survey methods, there is a time difference between the point of use using the affiliate store and the point of evaluation by visiting the website. it's difficult. In addition, the evaluation survey results may be distorted by specific interest groups because only certain people subscribed to the website can take the survey. In addition, people who do not actually use merchants participate in the evaluation, and thus the reliability of the evaluation survey cannot be secured.

Accordingly, the present invention has been made in view of the above, the present invention is a merchant terminal requesting the approval of the payment requested by the payment means provided by the consumer, and the payment approval required from the merchant terminal through the network In response to the mailing service, that is, the payment approval history message or the billing history message, the consumer writes the domineering, complaint or taste evaluation of the merchant through a short message and sends it to the merchant terminal again. By inputting the character to the merchant evaluation information providing server, it is possible to share the information of the merchant.

Another object is to receive and store the affiliated store evaluation information as described above, and to provide the affiliated store evaluation information when the consumer checks the evaluation of the affiliated store if necessary.

In this case, the message service preferably includes a short message service (SMS), a long message service (LMS) and a multimedia message service (MMS).

The present invention provides a merchant terminal that requires a payment approval requested through a payment method provided by a consumer, and in conjunction with a payment approval history message through a messaging service in response to the payment approval requested by the merchant terminal through a network. An electronic financial settlement server which transmits a question and answer message for evaluation survey to the mobile communication terminal of the consumer and receives merchant evaluation information from the mobile communication terminal in response to the question and answer message; Receiving and storing the affiliated store evaluation information, characterized in that it comprises a member store evaluation information providing server for providing the affiliated store evaluation information when requested.

In addition, according to the present invention, the messaging service preferably includes a short message service (SMS), a long message service (LMS) and a multimedia message service (MMS).

In addition, according to the present invention, the merchant terminal requesting the approval of the payment requested through the payment means provided by the consumer, and the payment approval history message through the mailing service in response to the payment approval requested by the merchant terminal through the network. Or an electronic financial settlement server for transmitting a question and answer message for a merchant consumer evaluation survey to an email address of the consumer in association with a billing history message, and receiving merchant evaluation information from the consumer in response to the question and answer message; And receive and store the affiliated store evaluation information provided from a financial settlement server, and provide the affiliated store evaluation information providing server when the affiliated store evaluation information is requested.

Merchants customer satisfaction evaluation providing system according to the present invention by using a messaging service, so as to induce the voluntary participation in requirements, taste evaluation, introduction, etc., such as complaints of consumers to improve the reliability.

1 is a conceptual diagram of an affiliated store customer satisfaction evaluation providing system according to the present invention.
2 is a view showing an embodiment of a system for providing an affiliated shop customer satisfaction evaluation according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail the configuration and operation according to the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description with reference to the accompanying drawings, the same reference numerals denote the same elements regardless of the reference numerals, and redundant description thereof will be omitted. Terms such as first and second 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.

Referring to Figure 1, the present invention is to enable payment of the payment by the consumer's payment means, such as financial cards (including debit cards, smart cards, magnetic cards, point cards, etc.), a mobile communication terminal with a smart chip, etc. A financial institution that performs messaging service processing or mailing service processing, payment approval management, and consumer information management through merchants associated with multiple credit cards and mobile communication terminals and a network of wired and wireless communication networks. It is provided.

When a consumer is issued a financial card (hereinafter referred to as a credit card) at a specific financial institution (hereinafter referred to as a credit card company), his or her mobile terminal, such as a mobile phone number, and basic card issuing information Register with a credit card company. Mobile communication terminals are used for messaging services approved by the consumer.

In addition, the card issuing information further includes the e-mail address of the consumer for the mailing service.

Merchants provide off-line or on-line goods and services to consumers to receive payments for the purchase of goods and use of services through the credit card company's account. In this case, a payment service using a credit card and a mobile terminal is provided to a consumer. In addition, merchants operate a separate web site (web site), and through such a website may provide consumers with merchant information, coupons, discounts, events, and the like.

In addition, merchants can directly access a web server provided by a consumer evaluation information provider and promote their own merchants in various forms. In addition, by receiving a blog, UCC, bulletin board for each affiliate provided by the web server may promote a variety of own merchants.

Merchants are connected to a credit card company's electronic financial settlement server through a network.

In addition, a payment terminal is provided with a merchant terminal installed with a payment program to enable payment through a credit card or a mobile communication terminal. The main functions of the payment settlement program are ① credit card information provided from the consumer (1) or a mobile communication terminal and the function of directly inputting the credit card company through the keypad installed on the merchant terminal by the seller, and the credit card company, ② Input and confirmation function of approval number, 2③

Limited consumer information display function, and (4) credit card company billing.

Credit card companies are equipped with an electronic banking payment server for general payment of payment, payment approval message processing, and processing of messages for direct evaluation of merchant evaluation information.

The electronic banking settlement server includes a messaging processing server for processing a messaging service, a mailing processing server for processing a mailing service, and a database.

The messaging processing server provides a short message service (SMS), a long message service (LMS), and a multimedia message service (MMS). Short message service uses only a limited number of phrases of about 80 bytes, it can be difficult to proceed with a variety of questions in depth.

Therefore, if you want to conduct a more in-depth survey on merchant satisfaction, it is desirable to use a long message service and a multimedia message service appropriately.

The mailing processing server provides both a mobile e-mail service using a mobile communication terminal and an e-mail service using a computer. The mailing service using the mobile communication terminal is an electronic mail service provided through the mobile communication terminal.

A mailing service using a computer is an electronic mail service provided to a computer through a network, that is, the Internet. The mailing service includes a payment approval history transmission service and an email bill sending service. These two services can also enable surveys.

The payment settlement approval program is installed in the electronic financial settlement server. The main function of the payment payment approval program is ① check whether or not the consumer credit card registered in advance in the credit card company 200, mobile phone number and password, etc. and the value transmitted from the merchant, ② approval number generation function And, ③ data processing function corresponding to the generated authorization number, amount, mobile number, merchant usage information, and consumer name, ④ function to deliver the processed data to the merchant terminal, and ⑤ payment function to the merchants. And, ⑥ messaging service processing function or mailing service processing function, and ⑦ processing function to provide the customer evaluation information provider by processing the customer satisfaction evaluation information.

The database stores the information of the credit card company, affiliated merchants of affiliated stores, consumer personal information, merchant satisfaction evaluation information provided by the consumer, and all the data necessary for payment.

The messaging processing server transmits the approval details to the mobile communication terminal of the consumer for the short message service (SMS), the long message service (LMS) or the multimedia message service (MMS).

In addition, the messaging processing server transmits a question and answer message for the survey on the merchant satisfaction with the payment approval message (payment approval history message) to the mobile communication terminal of the consumer. In this case, the messaging processing server may transmit the payment approval message and the question and answer message at the same time, or may continuously transmit the payment approval message and the payment approval message in association with the payment approval message. Preferably, the query response message is transmitted continuously in conjunction with the payment approval message.

The mailing processing server transmits a payment approval message including at least one of payment payment approval details and payment bills to a mobile terminal or an e-mail address only for a consumer who has applied for a mailing service when requesting a payment payment approval from a consumer. .

In addition, the mailing processing server is a question and answer for a survey on the satisfaction of the merchant

The message is sent to the mobile communication terminal or the e-mail address together with the payment approval message (payment approval history message). In this case, the mailing processing server may transmit the payment approval message and the question and answer message at the same time, or transmit the payment approval message with a time difference and continuously transmit the payment approval message and the mobile terminal or e-mail address.

The credit card company provides a certain material reward to the consumer when the consumer uses the merchants and transmits the merchant satisfaction evaluation information in response to a question and answer message for a questionnaire questioning the merchant satisfaction. That is, it provides material rewards to consumers who participated in the survey. At this time, the material reward is a free gift that can increase the participation rate of the consumer survey, for example, when purchasing the actual goods or using the merchant

Point scores that can be converted to gold, product discounts, and credit card annual fee waivers.

In addition, the present invention further includes a consumer evaluation information provider that receives the customer satisfaction evaluation information for the merchants provided from the financial institution through the network and provides the consumer and the merchant.

The consumer evaluation information provider has a web server (hereinafter referred to as a merchant evaluation information providing server) that can be accessed and operated on a network such as the Internet, and stores merchant satisfaction rating information transmitted from a financial institution through the Internet. On request, it provides merchants and merchants with customer satisfaction rating information on request. In addition to the consumer evaluation information, the consumer evaluation information provider also registers and provides additional information such as the location (address), phone number, and merchant event event. In addition, it may be provided by listing by satisfaction ranking according to the merchant satisfaction results. As such, the information provided by the consumer evaluation information providing company is not limited to any one form, and may be variously processed and provided based on the merchant customer satisfaction evaluation information.

Hereinafter, the flow of data when using the credit card and the mobile payment terminal in the network configuration described above will be described with reference to FIG. 2.

As shown in FIG. 2, a consumer purchases goods or is provided with a service at a merchant, and a seller of the merchant requests the consumer to pay for the use. The consumer provides his or her credit card or mobile terminal to the merchant of the merchant according to the merchant's request. That is, in step ①, the credit card or the mobile communication terminal is delivered from the consumer to the merchant of the merchant.

The merchant's seller reads the credit information from the credit card or mobile terminal provided by the consumer through the merchant terminal and delivers it to the credit card company through the network. That is, in step ②, card information (eg, card type, password, etc.) read from the credit card or the mobile communication terminal is delivered to the merchant terminal, and the merchant terminal provides card information and merchant use information (eg, merchant code, trade name, sales item). , Service item data, usage amount, etc.) to the credit card company.

The credit card company approves payment billing through the user authentication process. That is, in step ③, the electronic financial settlement server receives the card information and the merchant usage information transmitted from the merchant terminal, approves the settlement through the user authentication procedure according to the payment settlement program, and delivers the result to the merchant terminal.

The credit card company sends a payment approval message and a question-and-answer message for survey on the satisfaction of the merchant through the messaging processing server or the mailing processing server to the mobile terminal or the e-mail address of the consumer through the messaging processing server or the mailing processing server. When using a messaging service such as a short message service (SMS), a long message service (LMS) or a multimedia message service (MMS), the payment approval message and the Q & A message may be connected with a mobile carrier to provide a mobile communication service such as a general messaging service. It is preferable to transmit by using. Payment approval messages and question and answer messages sent to email addresses are sent to the consumer's email address via the network, i.e. the Internet. That is, in step ④, after the approval of the payment is completed, the payment approval message and the merchant customer satisfaction question and answer message are transmitted to the mobile terminal or the e-mail address of the consumer.

Then, as shown in Figure 2, the payment approval message and the question and answer message displayed on the display window of the mobile communication terminal appears.

In this case, it is preferable to transmit a question and answer message immediately after interworking with the payment approval message. As such, the Q & A message may be implemented in various transmission methods and forms (message content), and the method and form are not limited thereto.

It is preferable that the subjects of the evaluation survey sending the Q & A message should be targeted to all consumers using the affiliated store, but the subjects (evaluators) are randomly sampled among the number of consumers using the merchant within the allowable range according to the system processing capacity. You can also select. At this time, the selection criteria may be selected by industry, service, region, age, etc. as a sample. For example, in the case of restaurants, an evaluation team composed of gourmets may be formed to examine the details (taste, price, atmosphere, service level, kindness, etc.) to further increase objectivity, accuracy, and completeness of the evaluation information. .

The consumer receives the payment approval message and the question and answer message provided from the credit card company, and checks whether the payment approval has been normally performed. In response to the question and answer message, the merchant returns the consumer satisfaction level evaluation information to the credit card company. The mobile communication terminal checks the payment approval message and the question and answer message provided through the messaging service or the mailing service, and then returns the satisfaction of the merchant experienced and felt directly. In the e-mail, the consumer accesses the Internet through a computer and checks a payment approval message, a billing history message, and a question and answer message.

Afterwards, the merchant returns to the credit card company satisfaction. In addition, when the consumer is a member subscribed to the consumer evaluation information provider, that is, a member subscribed to the merchant evaluation information providing server, the consumer directly visits the evaluation information community provided by the merchant evaluation information providing server for evaluation information on the affiliate store used by the member. You can also leave the evaluation information directly through the blog and bulletin board provided by the community. At this time, since a login operation for authenticating a member is involved, a fair survey can be implemented.

Although the present invention has been described with reference to the above-described preferred embodiments and the accompanying drawings, different embodiments may be constructed within the spirit and scope of the invention. Therefore, the scope of the present invention is defined by the appended claims, and should be construed as not limited to the specific embodiments described herein.

Claims (4)

Merchant consumer evaluation by interworking with a payment approval history message through a messaging service in response to a payment approval requested by the merchant terminal through a network and a merchant terminal requesting approval of a payment requested through a payment method provided by a consumer. An electronic financial settlement server for transmitting a query response message for the consumer to the mobile communication terminal and receiving affiliate store evaluation information from the mobile communication terminal in response to the query response message, and the merchant evaluation provided from the electronic financial settlement server; Merchants customer satisfaction evaluation providing system characterized in that it comprises a member store evaluation information providing server for receiving and storing the information, and provides the affiliated store evaluation information when the merchant evaluation information request. The system of claim 1, wherein the messaging service comprises a short message service (SMS), a long message service (LMS), and a multimedia message service (MMS). A merchant terminal requesting a payment approval requested through a payment method provided by a consumer, and in response to a payment approval requested by the merchant terminal through a network, in connection with a payment approval history message or a billing history message through a mailing service An electronic financial settlement server which transmits a question-and-response message for a merchant consumer evaluation survey to the email address of the consumer and receives merchant evaluation information from the consumer in response to the question-and-response message; Merchants customer satisfaction evaluation providing system, characterized in that it receives and stores affiliated store evaluation information, and comprises an affiliated store evaluation information providing server that provides the affiliated store evaluation information when the affiliate store evaluation information is requested. Requesting a payment approval requested through a payment means provided by a consumer to the electronic financial payment server using an affiliated terminal connected to the electronic financial payment server; And
Transmitting an inquiry response message for a merchant consumer evaluation survey in association with a payment approval history message through a messaging service to a mobile communication terminal of the consumer in response to the payment approval requested from the merchant terminal through the electronic financial settlement server; And
Receiving affiliate store evaluation information provided from the mobile communication terminal to the electronic financial settlement server in response to the question and answer message, and storing the received evaluation information in the electronic financial settlement server; And
And providing the affiliated store evaluation information stored in the electronic financial settlement server when the affiliated store evaluation information is requested.

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