KR20140096668A - Method of Consumer Oriented Loyalty program Of Retailer - Google Patents

Abstract

The present invention relates to an online/offline commercial transaction and, more specifically, to a method to make a reservation using a unique identifier of a payment means, and providing a discount in accordance to the reservation. In a method to discount in a commercial transaction using a unique identifier of a payment means carried by a customer, when a store terminal transmits discount event setting information including a discount event advertisement information, a purchase period, and a basic discount rate; at least one piece of customer information matched with the discount event setting information is searched from a member information database, and the discount event advertisement information is transmitted to a customer terminal corresponding to the customer information. When the customer terminal receiving the discount event advertisement information transmits purchase reservation information, the purchase reservation information is registered in a reservation database. When a store payment terminal transmits a unique identifier of a payment means, the purchase reservation information corresponding to the unique identifier of the payment means is searched from the reservation database, and a discount is applied to a purchase price using the discount event setting information and the purchase reservation information.

Description

{Method of Consumer Oriented Loyalty Program Of Retailer}

The present invention relates to an on-off-line commercial transaction, and more particularly, to a method of performing a reservation using a unique identifier of a payment means and providing a discount benefit according to reservation.

Recently, social commerce has become very popular. Particularly, even in the case of offline commerce, the customer can inquire the product information online and pay the price. 1 is a flowchart for explaining a conventional social commerce method. Referring to FIG. 1, when a store terminal registers a discount event in a social system (100), the customer terminals connected to the social system can inquire a registered discount event (105). If the customer desires to purchase one of the discount events, the customer terminal completes the purchase through the purchase payment procedure using the credit card or the check card (110, 115, 120, 125). Upon completion of the purchase, the customer terminal receives (130) a barcode-type voucher from the social system that allows the merchant to purchase the merchandise from the store. Meanwhile, the store terminal can confirm how many products are sold through the discount event. The customer can then actually visit the store and receive the goods (140, 145).

From the customer's point of view, conventional social systems require customers to prepay the purchase price of the product. As a result, the customer must decide to purchase the product after viewing only the product information posted online. Also, after a period of purchase that requires visiting the store within the due date and receiving the merchandise, there may be a problem where refunds are not possible or a substantial fee is payable.

From the viewpoint of shops, conventional social commerce uses discounts through mass sales as a business model, so it is very difficult to use discount shops for local discounts or to secure discount customers. In addition, according to the policy of the social system, the timing of the purchase price is changed, so the customer has already paid the purchase price but the store has no authority for the purchase price until the product is actually paid to the customer.

From the viewpoint of social system, since it is possible to purchase goods only through the prepayment system, the social system must faithfully carry out the verification work in setting up the discount event, and should provide considerable support in creating data for promoting the discount event of the store. In addition, since an unused voucher occurs, the purchase price can not be immediately paid to the shop, and there is a burden of processing complicated procedures such as refund.

Korean Patent Publication No. 2002-0059564

Although there is an advantage that the receipt-type social commerce after the prepayment induces the customer's immediate purchase, there are many inefficiencies that cause a lot of problems as described above. The embodiments of the present invention have been devised to solve the above-described problems, and the present invention allows a customer to make a purchase reservation and make a settlement only at the time of actual purchase. In addition, the store can offer discounts to customers with an existing payment method without the complex system or procedure for identifying a purchase reservation.

According to an embodiment of the present invention, there is provided a commerce discount method using a unique identifier of a payment means held by a customer. When the store terminal transmits discount event setting information including discount event advertisement information, a purchase period and a basic discount rate, Searching for one or more pieces of customer information matching the discount event setting information in the member information database, transmitting the discount event advertisement information to a customer terminal corresponding to the customer information, and receiving the discount event advertisement information, When the purchase reservation information is transmitted, the purchase reservation information is registered in the reservation database. When the shop payment terminal transmits the unique identifier of the payment means, the purchase reservation information corresponding to the unique identifier of the payment means is retrieved from the reservation database , The discount event setting information, Commerce discount method using the unique identifier of the payment method to apply a discount to the purchase price is provided using.

Here, the unique identifier of the payment means may be a card number of a credit card or a debit card. Meanwhile, the purchase reservation information or the customer information may include a unique identifier of the payment means.

The step of registering the purchase reservation information in the reservation database, when the customer terminal having received the discount event advertisement information transmits the purchase reservation information, further comprises the step of associating the purchase reservation information with the unique identifier of the payment means, The method comprising the steps of: determining a number of purchases based on the unique identifier of the payment means during the purchase period; and associating the purchase discount information calculated using the purchase number with the purchase reservation information, And may further include a registration step. In addition, the step of applying a discount to the purchase price using the discount event information and the purchase reservation information may include searching the basic discount rate and the repurchase discount rate to be applied to the transaction by the payment means in the reservation database, And transmitting the discount amount calculated using the basic discount rate and the repurchase discount rate to the credit card company system. The credit card company system may deduct the discount amount from the purchase price after the approval notification to the store payment terminal.

If the store payment terminal transmits the unique identifier of the payment means, the step of retrieving the purchase reservation information corresponding to the unique identifier of the payment means in the reservation database may include transmitting the unique identifier of the payment means to the store payment terminal Determining whether one time is included in the purchase period set by the discount event setting information, and determining the number of purchases by the unique identifier of the payment means during the purchase period.

The step of applying the discount to the purchase price using the discount event setting information and the purchase reservation information may include the steps of determining the number of purchases based on the unique identifier of the payment means during the purchase period, And transmitting the discount amount calculated using the basic discount rate and the rebate discount rate to a credit card company system, wherein the credit card company system receives the discount amount from the purchase price Can be deducted.

The step of applying the discount to the purchase price using the discount event setting information and the purchase reservation information may include the steps of determining the number of purchases based on the unique identifier of the payment means during the purchase period, Determining a discount rate and transmitting a discounted amount obtained by subtracting a discount value calculated using the basic discount rate and the rebate discount rate from the purchase price to the shop payment terminal, You can ask the card company's system for approval.

The step of applying the discount to the purchase price using the discount event setting information and the purchase reservation information may include the steps of determining the number of purchases based on the unique identifier of the payment means during the purchase period, Determining a discount rate, calculating a discount amount using the basic discount rate and the repurchase discount rate, and transmitting the discount amount and the customer's refund account information to the shop payment terminal.

The step of applying the discount to the purchase price using the discount event setting information and the purchase reservation information may include the steps of determining the number of purchases based on the unique identifier of the payment means during the purchase period, Calculating a discount amount using the basic discount rate and the repurchase discount rate, subtracting the calculated discount amount from the accumulated total discount amount, and transferring the calculated discount amount to the customer's refund account can do.

According to another aspect of the present invention, there is provided a transaction discount method using a unique identifier of a payment means possessed by a customer, which is communicatively coupled to a card issuer system via a communication network, The system comprising a memory and a processor, wherein the processor, when the store terminal transmits discount event setting information including discount event advertisement information, a purchase period and a basic discount rate, Retrieves one or more pieces of customer information matched with the event setting information, transmits the discount event advertisement information to a customer terminal corresponding to the customer information, and transmits the purchase reservation information to the customer terminal , Reserving the purchase reservation information When the shop payment terminal transmits the unique identifier of the payment means, searches the reservation database for purchase reservation information corresponding to the unique identifier of the payment means, and stores the discount event setting information and the purchase reservation information The user can perform a task of applying a discount to purchase price.

According to another aspect of the present invention, there is provided a method for providing a commerce discount method using a unique identifier of a payment means owned by a customer communicably connected to a card issuer system through a communication network, And a storage medium storing the configured program is provided.

According to the embodiment of the present invention, the customer reserves the purchase of goods and payment can be made only at the time of actual purchase. As a result, customers can make reasonable consumption activities. In other words, there is no longer any waste caused by not receiving the prepaid items, and the discounts are obtained when the goods are directly checked at the shop and the prepaid items are purchased. Accordingly, the social system can simplify the process required for setting up the discount event, and can avoid a complicated post-processing procedure such as returning the purchase price due to the absence of the commodity after settlement, thereby saving considerable cost and manpower.

In addition, the store can offer discounts to customers with an existing payment method without the complex system or procedure for identifying a purchase reservation. The system or procedure for identifying a customer who purchased a voucher or the like can be omitted. Thus, the initial investment cost required to use the social commerce can be considerably reduced. In addition, the discount event can be configured to meet the needs of the store as compared to the existing social commerce, so that it is possible to operate a flexible discount event for customers to repurchase.

Hereinafter, the present invention will be described with reference to the embodiments shown in the accompanying drawings.
1 is a flowchart for explaining a conventional social commerce method.
2 is an exemplary diagram for conceptually explaining the present invention.
FIG. 3 is a view schematically showing an overall system configuration for implementing an embodiment of the present invention.
FIG. 4 is a diagram exemplifying the structure of a database for implementing an embodiment of the present invention.
FIG. 5 is a diagram illustrating a compensation scheme for a repurchase customer according to an embodiment of the present invention. Referring to FIG.
FIG. 6A is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to an exemplary embodiment of the present invention.
FIG. 6B is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention.
7 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention.
FIG. 8 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention.
9 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention.

While the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

2 is an exemplary diagram for conceptually explaining the present invention. Referring to FIG. 2, the COLOR system (Consumer Oriented Loyalty program of retailer) connects a customer and a shop using a unique identifier of a payment means. The COLOR system manages the unique identifier of the payment method owned by the customer, compared to conventional social systems, but does not process the payment. That is, in the COLOR system, the customer makes a purchase reservation using the unique identifier of the payment means, and the shop identifies the purchase reservation using the unique identifier of the payment means. Here, the payment means, such as a credit card, has a predetermined degree of usage according to the credit of the customer, and the usage amount is determined according to the amount of money held in the customer account, such as a check card, The payment means does not store any monetary value, such as a means of transferring to the seller's account immediately. The payment means may also be a new payment means, such as an electronic money or an electronic wallet, for example, which stores the monetary value in itself. The unique identifier is information capable of identifying the payment means, and the card number is a representative example, but is not limited thereto. For example, if a customer terminal applies for and uses a small payment service charged together with a mobile communication charge as a mobile communication terminal, information that can identify the customer terminal, for example MIN (Mobile Identification Number), IMSI (International Mobile Station Identity), MSISDN (Mobile Station International ISDN Number), and the like may be unique identifiers.

COLOR system enables flexible discount event setting. Since conventional social commerce can only be purchased through the prepayment system, the social system had to prepare data for verification work and promoting discount events when setting discount events. However, the COLOR system can minimize or eliminate verification of the social system since the purchase price is paid when the customer purchases the product. This allows the store to minimize the time it takes to plan and process the discount event. Here, goods should be interpreted to include not only types of goods but also intangible services. In addition, the store can flexibly designate the purchase period, thereby actively inducing customers to repurchase, and customers can receive additional discounts through repurchase.

FIG. 3 is a view schematically showing an overall system configuration for implementing an embodiment of the present invention. 3, the COLOR system 300, the customer terminal 310, the shop terminal 320, the store payment terminal 330, and the card issuer system 340 can communicate with each other through a communication network. A communication network is a wired or wireless network capable of data communication, and a closed network that can be used by only authorized users as well as publicly available networks such as the Internet can be included in the communication network.

The COLOR system 300 and the card issuer system 340 are constituted by one server or a plurality of servers, and the server has one or more processors and memories for executing software corresponding to each purpose. In addition, the server may include an embedded or external storage device, and the storage device may record and reproduce information electrically, magnetically, or optically. On the other hand, a server can communicate with another server belonging to the same system or a server belonging to another system through a communication network. In this specification, for the sake of convenience of description, the subject that processes each step or task is represented by a system, but in practice, all processing may be performed by a processor and a memory that execute an instruction by software installed in the server.

The customer terminal 310 is a terminal that receives discount event advertisement information or transmits purchase reservation information by communicating with the COLOR system 300. The customer terminal 310 may be a server capable of transmitting and receiving data through a communication network, for example, a server, a personal computer, a mobile phone, a tablet PC, and the like. have. Meanwhile, the customer terminal 310 may provide location information directly to the COLOR system 300, or may allow the mobile carrier system (not shown) to provide the location information to the COLOR system 300. COLOR system 300 can select and transmit discount event advertisement information corresponding to the location of customer terminal 310. [

The shop terminal 320 is a terminal that communicates with the COLOR system 300 to transmit discount event setting information or inquire purchase reservation status. The store terminal 320 may be a terminal capable of transmitting and receiving data through a communication network, for example, a server, a personal computer, a mobile phone, a tablet PC, etc. In addition, various electronic information processing apparatuses may be a shop terminal 320 have.

The shop approval terminal 330 is a terminal for performing settlement by a payment means provided by a customer and / or inputting transaction information. The shop approval terminal 330 can request approval of the purchase price paid by the customer in exchange for purchase of the product through the communication network and receive the processing result. The shop approval terminal 330 may be a card terminal or a point-of-sale (POS) terminal or a combination thereof.

The card issuer system 340 processes the purchase approval request from the shop payment terminal 330. [ In one embodiment, the card issuer system 340 can identify a customer who made a purchase reservation using the unique identifier of the payment means, and can provide a discount to the identified customer. As another example, the credit card company system 340 may transmit a unique identifier of the payment means to the COLOR system 300 every time it receives a purchase approval request, thereby confirming whether or not the customer is a purchase reservation user.

FIG. 4 is a diagram exemplifying the structure of a database for implementing an embodiment of the present invention. FIG. 4A is a diagram illustrating a structure of a discount event database, FIG. 4B is a diagram illustrating a structure of a reservation database, FIG. 4C is a diagram illustrating a structure of a purchase database, Fig.

4 (a), the discount event database includes discount event setting information and repurchase discount information. The discount event database registers information input by the store terminal. The discount event setting information is basic information on a discount event to be performed, including a purchase period and a basic discount rate, and may further include discount event advertisement information.

The discount event setting information includes at least one of a shop identifier S_ID for identifying a shop in which a discount event is to be performed, an event identifier E_ID for identifying a discount event, a product identifier G_ID for identifying a merchandise being discounted, A discount event start date S_Date indicating a start date, a discount event end date E_Date indicating an end date of a purchase period, a basic discount rate B_Dis applied during a purchase period, and a target customer identifier TG for marketing a discount event.

The repurchase discount information is information for setting a repurchase discount rate to be provided to a customer who repurchases during the purchase period. As another embodiment, the rebate discount rate may be applied to customers who repurchase after the end of the purchase period. Repurchase discount information includes F_DE, F_Dis, F_Dis, F_Dis indicating the additional discount rate to be applied per one time of repurchase, F_Ac, cumulative application identifier indicating whether to accumulate the rebate discount rate for each repurchase, , And a collection identifier F_Lm indicating the maximum number of repetitions to be cumulatively applied.

Referring to FIG. 4B, the reservation database registers information input by a customer terminal, and includes a unique identifier and a reservation date of the payment means held by the customer, identifies a discount event, a shop or a product reserved for purchase And may further include information that can be used. The purchased discount event, shop or product can be identified by a combination of the shop identifier S_ID, the event identifier E_ID, and / or the product identifier G_ID, for example.

The reservation database includes a unique identifier U_ID of the payment means for identifying the customer, a card issuer identifier T_CD indicating the issuance place / type of the payment means, a store identifier S_ID, an event identifier E_ID, a product identifier G_ID, And a reservation date R_Date. On the other hand, the reservation database may further include a repurchase number N_Re indicating the number of repurchases during the purchase period and a discount rate Dis to be applied to the customer. The repurchase number N_Re and the discount rate Dis to be applied to the customer may be calculated and registered at the time of purchase reservation, or may be calculated at the time of actual purchase by the customer. Discount rate Dis can be calculated by adding the basic discount rate and the repurchase discount rate.

Referring to FIG. 4C, the purchase database is a database for managing a purchase history of a customer, registers information input by the shop payment terminal, and includes a purchase date and purchase price of the customer.

The purchase database includes a unique identifier U_ID of the payment means, a card issuer identifier T_CD, a store identifier S_ID, an event identifier E_ID, a merchandise identifier G_ID, P_Am indicating a purchase price paid by the customer, and a purchase date P_Date in which the customer actually purchased the merchandise. In addition, the purchase database may further include a service utilization fee P_fee, a card issuer fee C_fee, and a settlement date Set_Date according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a compensation scheme for a repurchase customer according to an embodiment of the present invention. Referring to FIG. 5 (a) shows an example of application of a repurchase discount rate for a customer's repurchase within a discount event period, and FIG. 5 (b) shows an example of a repurchase discount rate application for a customer repurchase after a discount event period .

As shown in FIGS. 5 (a) and 5 (b), the store terminal can designate a discount event period, that is, a purchase period, at which a basic discount rate can be applied by a discount event. The purchasing period can be relatively short as in the case of existing social commerce, and a relatively long period of time can be designated to induce customers to re-purchase.

As shown in FIG. 5 (a), after receiving the discount event advertisement information and making an initial purchase by making a purchase reservation, the customer accesses the COLOR system using the discount event advertisement information that has already been received, The user can re-purchase the remaining items. The COLOR system can determine whether it is the first purchase or the re-purchase when reserving a purchase from a customer terminal, and can apply the re-purchase discount rate to the purchase price according to the discount event setting information. In this case, the discount rate can be calculated when the customer makes a reservation to re-purchase. As the number of repurchase increases, the repurchase discount rate can be increased accordingly. As shown in FIG. 5 (a), the rebate discount rate increases with each repurchase, and can be accumulated at the basic discount rate provided during the purchase period. In another embodiment, a discount may be provided even if the customer repurchases without a repurchase reservation. In this case, the customer's repurchase discount rate can be calculated at the time of settlement of purchase price.

As shown in FIG. 5 (b), at the end of the purchase period, the rebate discount rate can be applied using the COLOR system according to the policy of the shop. In this case, the basic discount rate is not cumulatively applied due to the end of the purchase period, and only the repurchase discount rate can be applied. It is also possible to apply the repurchase discount rate cumulatively as the number of repurchases increases.

6 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to an embodiment of the present invention.

The store terminal registers the discount event (600). The store terminal can register the discount event by connecting to the COLOR system and transmitting discount event setting information. The discount event setting information includes a purchase period and a basic discount rate, and may further include discount event advertisement information. The discount event advertisement information may include, for example, a purchase period, a basic discount rate, goods information, and / or shop information. The discount event advertisement information may be a short message or a multimedia message to be transmitted to the customer terminal, or an email to be transmitted to the customer terminal. Also, the store terminal can register information on a product that proceeds with a discount event. The product information may include text and / or images. Meanwhile, the discount event setting information may further include targeting information that specifies a customer to which discount event advertisement information is to be transmitted. For example, the targeting information may be information of the customer's personal information and / or the location information of the customer terminal. In addition, various conditions may be used as the targeting information.

The store terminal can input store information or register in advance to register the discount event. The store terminal may register information that can identify the store, for example, store name, store location, shop contact, and the like. The inputted shop information can be registered and managed in the member information database.

On the other hand, customer information can also be registered and managed in the member information database. The customer information may include a unique identifier and a contact of the payment means owned by the customer, and may further include customer identification information. The customer identification information may include information necessary to determine the customer's preference or preference, for example, the customer's gender, age, occupation, home address, and company address. In addition, when the customer receives the discount event advertisement information, the customer may further include information indicating whether or not the customer has agreed to provide the location information so as to receive the area based information.

The COLOR system transmits the discount event advertisement information to the targeted customer terminal (605). COLOR system may transmit the discount event advertisement information registered by the shop terminal to the customer terminal or may generate the discount event advertisement information by itself. The COLOR system can generate messages or emails including store information, purchase period, basic discount rate, and product information using discount event setting information. Targeting can be determined by the discount event setting information registered by the shop terminal. COLOR system can search the contact information of the customer terminal corresponding to the targeting information in the member information database using the targeting information. The discount event advertisement information may be transmitted to all the searched customer terminals, or the destination may be adjusted by filtering with additional conditions. For example, in order to send only to customers located near a shop, the COLOR system can inquire the system providing the communication service with the location information of the customer terminal using the customer's contact information. In addition, for example, in order to send only to customers having one or more purchase histories, the COLOR system may transmit discount event advertisement information only to customers whose purchase histories are registered in the purchase database.

The customer terminal makes a purchase reservation (610). The customer terminal receiving the discount event advertisement information can make a purchase reservation through various methods. For example, a customer terminal can make a purchase reservation using a callback message, and can make a purchase reservation by accessing a product detail information page posted in the COLOR system. On the other hand, the customer terminal may transmit the unique identifier of the payment means together with the purchase reservation when reserving the purchase. In the case of transmitting the unique identifier of the payment means together with the purchase reservation, the unique identifier of the payment means may not be registered at the time of membership registration, or the payment means to be used for purchase may be different from the registered payment means. In addition, a unique identifier of the payment means may be requested to confirm the customer's intention to purchase.

The COLOR system registers the purchase reservation in the reservation database (615). If the customer terminal has already registered the unique identifier of the payment means at the time of membership registration, if the customer terminal is identified, the purchase reservation is registered in the reservation database using the unique identifier of the payment means registered in the member information database. When the customer terminal does not register the unique identifier of the payment means at the member subscription, the unique identifier of the payment means transmitted together with the purchase reservation is registered in the reservation database. In this case, the COLOR system can selectively execute a process of inquiring whether or not to register the unique identifier of the transmitted payment means in the member information database. On the other hand, when a unique identifier of a payment means other than the registered payment means is received, the COLOR system can execute a process of confirming the customer or a process of changing the registered payment means.

The shop terminal inquires about the purchase reservation status (620). The store terminal can access the COLOR system to check the customer status of the purchase reservation for the ongoing discount event.

The COLOR system determines the discount rate to be applied to the purchase reservation registered in the reservation database (621, 623). The COLOR system retrieves the purchased history from the payment means purchased from the purchase database. By using the search result, the condition based on the discount event setting information is applied. For example, if there is a purchase history, it can be determined whether a purchase reservation for the repurchase has been made within the purchase period, and whether the repurchase discount rate varies depending on the repurchase count can be determined. After determining the condition-determination, the rebate discount rate is determined, and the discount rate to be applied when purchasing according to the purchase reservation is finally determined by adding up the basic discount rate. The determined discount rate is registered in the purchase database.

The COLOR system requests the reservation customer to register with the card company system (625), and the card company system can register the requested reservation customer (630). That is, the card company system registers in the customer database that it is an object to be inquired by the COLOR system at the time of payment request using the payment means having the unique identifier. The reservation customer registration may be performed each time a reservation is made for a purchase, or may be omitted at the time of a subsequent purchase reservation if it is registered.

In another embodiment, steps 625 and 630 may be performed after a customer's membership registration. Thus, steps 625 and 630 may be performed simultaneously with or before the purchase reservation of the customer terminal.

In another embodiment, steps 625 and 630 may be omitted. The card company system transmits a unique identifier of the payment means to all the purchase price settlements to the COLOR system. The COLOR system can search the reservation database for the unique identifier of the payment means to check whether the matching purchase reservation is registered.

The shop payment terminal performs payment of purchase price and requests approval of the payment (635). When the customer who made the purchase reservation visits the store, receives the goods, and presents the purchase payment means, the store payment terminal transmits the unique identifier of the payment means and the purchase price information to the card company system.

The card company system determines whether it is a unique identifier registered as a reservation customer using the unique identifier of the payment means requested for approval (640). If it is determined that the customer is registered as a reservation customer, the unique identifier and the purchase price are transmitted to the COLOR system to request the inquiry. Apart from the inquiry request, the card issuer system approves the settlement of the purchase price requested (645). Upon receiving the approval notification, the store payment terminal outputs the approval result on the screen and / or the receipt (650).

On the other hand, when the COLOR system receives the inquiry request for the unique identifier from the card issuer system, it searches the reservation database for the purchase reservation with the unique identifier (655). When a valid purchase reservation corresponding to the search result unique identifier is found, the discount amount is calculated using the determined discount rate and purchase price. The calculated discount amount is transmitted to the credit card company system.

The card company system subtracts the discount received from the already approved purchase price (670). In addition, the COLOR system notifies the customer terminal that the discount has been applied at a certain amount or rate (675)

FIG. 6B is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention. Steps 600 to 615, 625 to 650, and 670 to 675 are the same as in Fig. 6A. The differences are mainly described below.

When the COLOR system receives the inquiry request for the unique identifier from the card issuer system, it searches the reservation database for the purchase reservation with the unique identifier (655).

If a valid purchase reservation corresponding to the search result unique identifier is found, the COLOR system determines a discount rate to apply to the purchase reservation registered in the reservation database (660). The COLOR system retrieves the purchased history from the payment means purchased from the purchase database. By using the search result, the condition based on the discount event setting information is applied. Determining the discount rate to be applied when making the purchase based on the purchase reservation by summing with the basic discount rate.

The discount rate is calculated using the determined discount rate and purchase price (665). The calculated discount amount is transmitted to the credit card company system.

7 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention. Steps 700 to 720 are the same as steps 600 to 620 of Fig. 6B. The differences are mainly described below.

The flowchart shown in FIG. 7 shows a case of prepayment-post settlement, which is different from the prepaid-post settlement shown in FIG. 6A or 6B. To this end, the payment terminal of the store may be a point of sale (POS) capable of communicating data with the COLOR system. The shop POS reads the unique identifier from the payment means provided by the customer, and requests the COLOR system for inquiry (725).

The COLOR system retrieves a purchase reservation with a unique identifier in the reservation database (730) upon receiving a request for a unique identifier from the card issuer system, determines a discount rate to be applied to the retrieved valid purchase reservation (735) After calculating the discount amount using the purchase price, the discounted amount obtained by subtracting the calculated discount amount is transmitted to the card company system (740).

The shop POS displays the discounted amount (745), and then requests the credit card company's approval (750) for the discounted amount. The card issuer system performs a payment approval procedure (755), and then transmits an approval notification to the shop POS (760).

FIG. 8 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention. FIG. 8 shows a case where execution is performed by the COLOR system without interlocking with the card issuing system. Steps 800 to 820 are the same as steps 600 to 620 in Fig. 6B. The differences are mainly described below.

After the customer visits the store and receives the goods, the payment procedure is started by presenting the payment means. The shop payment terminal requests approval of the unique identifier of the payment means and the purchase price information to the credit card company system (825).

The card company system performs a payment approval procedure (830), transmits the result to the store payment terminal, and simultaneously notifies the purchase details to the registered contact (835). Here, in the card company system, purchase details are set in advance so as to be broadcasted by the COLOR system.

Upon receipt of the purchase details from the credit card company system, the COLOR system searches 840 for the registered purchase reservation. The purchase history includes information such as a date of purchase, a purchased item, a purchase price, and the like, and it is possible to search for a purchase reservation to match in the reservation database.

The COLOR system determines a discount rate to be applied to the valid purchase reservation that is searched (845), calculates a discount amount using the determined discount rate and purchase price, and then generates a discount amount refund list organized by the shop by discounting the calculated discount amount And transmits it to the store terminal (850). The discount amount refund list includes account information to be refunded for the discount amount previously registered by the customer. The shop terminal receiving the discount refund list can refund the discount amount to the customer account through online banking (855).

9 is a flowchart illustrating a commerce discount method using a unique identifier of a payment means according to another embodiment of the present invention. FIG. 9 shows a case in which execution is performed by the COLOR system without interlocking with the card issuing system. Steps 900 to 910, 915 to 950 are the same as steps 800 to 820 and steps 825 to 845 in Fig. The differences are mainly described below.

The COLOR system calculates the total discount amount incurred by the discount event progress using the registered discount event setting information (911). The total discount amount need not be accurately predicted, and it may be a predetermined amount. This is because the total discount amount becomes the deposit and is operated by the COLOR system, and if it is reduced below a certain amount, it can be recharged. When the total discount amount is calculated, the shop terminal transmits the total discount amount to the deposit account managed by the COLOR system through the Internet banking (913).

The COLOR system calculates the discount amount using the determined discount rate and purchase price, and transfers the calculated discount amount to the refund account registered in advance by the customer (950). If the total discount amount deposited through this process falls below a certain amount, the COLOR system notifies the shop terminal of the discount amount and the store terminal makes a new total charge (955).

It will be understood by those skilled in the art that the foregoing description of the present invention has been presented for illustrative purposes and that those skilled in the art will readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

It is intended that the present invention covers the modifications and variations of this invention provided they come within the scope of the appended claims and their equivalents. .

Claims (12)

A commerce discount method using a unique identifier of a payment means held by a customer,
Retrieving one or more pieces of customer information matched with the discount event setting information in the member information database when the store terminal transmits discount event setting information including discount event advertisement information, purchase period and basic discount rate;
Transmitting the discount event advertisement information to a customer terminal corresponding to the customer information;
Registering the purchase reservation information in the reservation database when the customer terminal receiving the discount event advertisement information transmits the purchase reservation information;
Retrieving purchase reservation information corresponding to a unique identifier of the payment means in the reservation database when the store payment terminal transmits a unique identifier of the payment means; And
And applying a discount to the purchase price using the discount event setting information and the purchase reservation information. The commerce discounting method according to claim 1, wherein the unique identifier of the payment means is a unique identifier of a payment means that is a credit card or a card number of a debit card. The commerce discount method according to claim 1, wherein the purchase reservation information is a unique identifier of a payment means including a unique identifier of the payment means. The commerce discount method according to claim 1, wherein the customer information is a unique identifier of a payment means including a unique identifier of the payment means. The method as claimed in claim 3 or 4, wherein when the customer terminal receives the discount event advertisement information, the step of registering the purchase reservation information in the reservation database comprises:
And a step of registering the purchase reservation information in the reservation database in association with the unique identifier of the payment means. 6. The method of claim 5,
Determining the number of purchases by the unique identifier of the payment means during the purchase period; And
And registering, in the reservation database, the re-purchase discount rate calculated using the number of purchases, in association with the purchase reservation information, using the unique identifier of the payment means. 7. The method of claim 6, wherein applying the discount to the purchase price using the discount event information and the purchase reservation information comprises:
Retrieving the basic discount rate and the repurchase discount rate to be applied to the transaction by the payment means in the reservation database; And
And transmitting the discount amount calculated using the basic discount rate and the rebate discount rate to a credit card company system,
Wherein the card company system uses a unique identifier of a payment means for deducting the discount amount from the purchase price after the approval notification is given to the store payment terminal. The method according to claim 1, wherein, when the store payment terminal transmits a unique identifier of the payment means, the step of retrieving purchase reservation information corresponding to the unique identifier of the payment means in the reservation database,
Determining whether the time at which the shop payment terminal transmits the unique identifier of the payment means is included in the purchase period set by the discount event setting information; And
And determining the number of purchases by the unique identifier of the payment means during the purchase period. The method of claim 1, wherein the applying the discount to the purchase price using the discount event setting information and the purchase reservation information comprises:
Determining the number of purchases by the unique identifier of the payment means during the purchase period;
Determining a rebate discount rate according to the number of purchases; And
And transmitting the discount amount calculated using the basic discount rate and the rebate discount rate to a credit card company system,
Wherein the card company system uses a unique identifier of a payment means for deducting the discount amount from the purchase price after the approval notification is given to the store payment terminal. The method of claim 1, wherein the applying the discount to the purchase price using the discount event setting information and the purchase reservation information comprises:
Determining the number of purchases by the unique identifier of the payment means during the purchase period;
Determining a rebate discount rate according to the number of purchases; And
And transmitting, to the merchant payment terminal, a discounted amount obtained by subtracting the discount value calculated using the basic discount rate and the repurchase discount rate from the purchase price,
Wherein the shop payment terminal uses a unique identifier of a payment means for requesting approval of the discounted amount to the card company system. The method of claim 1, wherein the applying the discount to the purchase price using the discount event setting information and the purchase reservation information comprises:
Determining the number of purchases by the unique identifier of the payment means during the purchase period;
Determining a rebate discount rate according to the number of purchases;
Calculating a discount amount using the basic discount rate and the repurchase discount rate; And
And transmitting the discount amount and the refund account information of the customer to the merchant payment terminal using the unique identifier of the payment means. The method of claim 1, wherein the applying the discount to the purchase price using the discount event setting information and the purchase reservation information comprises:
Determining the number of purchases by the unique identifier of the payment means during the purchase period;
Determining a rebate discount rate according to the number of purchases;
Calculating a discount amount using the basic discount rate and the repurchase discount rate; And
And subtracting the calculated discount amount from the accumulated total discount amount and transferring the calculated discount amount to the refund account of the customer.

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