KR20160056250A - System and method for providing reward for purchasing using card as charging amount deduction - Google Patents

Abstract

A method for providing a reward for purchase by card payment in the form of charge deduction according to the present invention comprises the steps of: receiving, from a card company server, a reward issuance request message generated by card approval generated in a member store of a reward providing service, by a reward providing device; determining whether to approve reward issuance corresponding to the reward issuance request message, by the reward providing device; transmitting a reward issuance approval message or a reward issuance refusal message indicating the determination result of the reward issuance approval, by the reward providing device; deducting a reward according to the card approval from a charge for the card approval in response to the reception of the reward issuance approval message from the reward providing device, by the card company server; and calculating an amount in which the deduction of the reward from the charge is reflected when calculating a card payment amount for the member store, by the card company server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for providing a reward in the form of a deductible charge for purchasing a card,

The present invention relates to a method and apparatus for providing a reward in the form of a deductible charge for card payment purchase. More particularly, to a method and apparatus for providing a reward in the form of a deduction for a goods or service purchase behavior of a consumer who has made a settlement with a credit card, a check card or a cash card.

Various types of rewards are provided for purchasers' purchasing behavior or service use behavior of service users. Such compensation may be provided by a variety of broker companies that connect buyers or service users with sellers or service providers. This type of compensation is performed in such a way that when a seller or a service provider notifies the broker company of the purchase performance of the buyer or service user's service utilization, the broker company provides compensation to the buyer or the service user.

However, at this time, there is a possibility that manipulation of the purchase result may be performed by unification between the seller or the service provider and the purchaser or the service user. For example, a service provider may offer cheaper prices on condition that the service user who visited through the broker company's introduction site is not compensated, and the service user can accept such a proposal. In this case, although the service user actually uses the broker company, the purchasing result through the broker company is omitted. Broker companies that receive a certain percentage of the sales generated by their introduction as a commission have a problem that their sales may be reduced due to omission of such purchasing results.

In addition, a so-called social commerce is provided in which a plurality of parties are gathered and the price of the service becomes low. According to such a social commerce, a plurality of customers purchase coupons in advance to use a predetermined service, and use the services at a low price in a manner of presenting such coupons (or confirming coupon issuance numbers). Because the costs paid by customers using coupons are considerably lower than those paid by regular customers, it is possible that store owners will discriminate against customers using social commerce and consumers. Due to these problems in using the service, the complaints of customers using the social commerce are increasing.

In addition, coupons purchased through a social commerce company are usually given an expiration date. If the coupon is not used after the purchase of the coupon, or if the buyer can not use the coupon because his or her personal circumstances do not permit it Lt; / RTI > In such cases, refunds may be possible, but policy refunds may not be allowed. It is also common for small amounts to be left without a refund. These problems can reduce the economic benefits of social commerce from using services at lower prices.

Korea Patent Publication No. 2013-0012244

The present invention provides a method and apparatus for providing a reward for purchasing by card payment, and a method and an apparatus for providing a reward in the form of a reward amount equivalent to a reward amount borne by a merchant .

SUMMARY OF THE INVENTION The present invention provides a method and apparatus for providing a reward for purchasing by card payment, and a method and apparatus for distinguishing and processing revenue when sales are generated according to advertisements will be.

Another aspect of the present invention is to provide a method of providing a reward to which an incentive is applied when performing a check-in before a purchase action for an affiliated store by card settlement, applying a reward with purchase proof information after a purchase action, And to provide such a device.

Another technical problem to be solved by the present invention is to provide a method and an apparatus for calculating an advertisement induction sales amount that can be used as a basic material when an advertisement provider charges an advertisement cost to an advertiser .

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

A method for providing a reward according to an embodiment of the present invention includes the steps of: receiving, from a card issuer server, a reward issuance request message generated by a card approval statement generated at a merchant of a reward providing service; Determining whether the reward providing apparatus approves a reward issuance approval corresponding to the reward issuance request message; The reward providing apparatus transmitting a reward issuing approval message or a reward issuing rejection message indicating a determination result of whether or not to grant the reward issuing approval; In response to the card issuer server receiving the reward issuance approval message from the reward providing apparatus, subtracting a charge amount for the card approval record by a reward corresponding to the card approval record; And a step in which the card company server, when the card payment amount is settled to the merchant, the amount of the charge amount deducted.

In one embodiment, the reward providing method further comprises the step of receiving, from the buyer's terminal, a check-in request including information indicative of a check-in merchant point, before the reward providing device receives the reward issuance request message The step of determining whether or not to approve the issuance of the reward includes the step of reflecting the incentive on the reward according to the card approval details when the merchant where the purchase according to the reward issuance request occurs is the same as the check- can do.

In one embodiment, the reward providing method further comprises the step of receiving, from the buyer's terminal, a check-in request including information indicative of a check-in merchant point, before the reward providing device receives the reward issuance request message Wherein the step of determining whether or not to approve the issuance of the reward affirms issuance of a reward corresponding to the reward issuance request message only when the merchant in which the purchase according to the reward issuance request is issued is the same as the check- . ≪ / RTI >

In this case, the step of receiving the check-in request may include transmitting advertisement contents for the check-in merchant to the terminal of the buyer before receiving the check-in request.

A method of providing a reward according to another embodiment of the present invention includes the steps of: a card issuer server receiving, from a card issuer server, a reward issuance request message generated by a credit approval statement generated at a merchant of a reward providing service; Determining whether the card issuer server approves a reward issue corresponding to the reward issue request message; If the card issuer server determines that the reward issuance approval is determined, subtracting a charge amount for the card approval details by a reward corresponding to the card approval details; And a step in which the credit card company server calculates an amount of the credit amount reflected when the card payment amount is settled to the merchant.

According to the present invention, when a reward service subscriber makes a purchase at a reward service merchant and makes a card settlement, the reward service subscriber can provide a reward amount deducted from the reward amount. The card company only settles the charge amount after the deduction when the credit card settlement amount is settled to the merchant. As a result, the reward is paid by the merchant rather than the credit card company.

1 is a configuration diagram of a reward providing system according to an embodiment of the present invention.
2 is a signal flow diagram of a reward providing method according to another embodiment of the present invention.
3 is a signal flow diagram of a rewarding method according to another embodiment of the present invention.
4 is a signal flow diagram of a reward providing method according to another embodiment of the present invention.
5 is a hardware configuration diagram of a reward service apparatus according to another embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

The configuration and operation of the reward providing system according to one embodiment of the present invention will be described with reference to FIG.

First, the purchaser visits the merchant to receive a service, or purchases the merchandise, and then performs card settlement through the POS terminal 200 installed in the merchant.

Hereinafter, in the present invention, the term "merchant" means an employer who enters into a contract with a reward transit provider to issue a reward for a buyer's reward request according to the reward providing method of the present invention. At the same time, the "merchant" means a merchant of a credit card company that has entered into an agreement with the reward transacting company or is providing the reward transacting business.

The merchant POS terminal (200) transmits information on the card settlement to the card company server (400). The card issuer server (400), in cooperation with the reward providing apparatus (100), accumulates the reward provided by the merchant in the buyer account managed by the card issuer.

The buyer terminal 500 may be a mobile terminal such as a smart phone or a tablet PC. The buyer terminal 500 may be a reward issuing application having a function of promoting a learner issuable store and issuing a reward issuance request have.

According to one embodiment, the purchaser terminal 500 has a function of displaying information on a learner-issuable store and transmitting a check-in request message for the store selected by the purchaser to the reward providing device 100, To retrieve the rewards credited to the account managed by the buyer, and to use the rewards.

The merchant store owner can use the reward issuance reservation inquiry, the increase UI (User Interface) and the reward issuance provided by the reward providing device 100 using the merchant terminal 300 and the corresponding sales history inquiry UI.

Hereinafter, a method of providing a reward according to another embodiment of the present invention will be described with reference to FIG. The method of providing a reward in accordance with the present embodiment may be performed by one or more computing devices. The computing device may be, for example, a card issuer server 400, a reward providing device 100, or the like.

An operation performed when a purchaser who subscribes to the reward issuance service in advance makes a purchase using the card at the merchant. After the payment approval (S104), the card issuer server 400 determines whether the payment details are sales at the reward service affiliate store (S106). Information on the reward service merchant may be recorded in the card issuer server 400 or may be retrieved by the reward providing device 100. [ If it is not sales at a reward service franchisee, it is irrelevant to the present invention, and further operation related to this embodiment is not performed.

If it is sales at the reward service franchisee, the card issuer server 400 transmits a reward issue request message to the reward providing device 100 (S108). In one embodiment, information such as an approved amount, a merchant code, and a product name may be added to the reward issue request message.

The reward providing apparatus 100 receives the reward issue request message and inquires the reward policy corresponding to the merchant code (S110). The reward policy may be, for example, information of the following form of the equation.

Reward = Purchase amount X Reward percentage determined by the merchant (%)

However, the amount of the reward may be adjusted after the calculation according to the above equation so as to satisfy the predetermined amount range. In addition, the reward rate may be increased according to the merchant's reward accumulation result of the purchaser.

In addition, the reward providing apparatus 100 determines whether to grant the reward issuance using the information included in the reward issuance request message (S111). The determination may be performed using at least one of the approval amount and the product name information included in the reward issue request message. The determination may be performed by referring to the reward grant rule information matched for each merchant. For example, the reward award rule information may be a reward for a sales of a specific amount or more, or may be rewarded only for a specific product (or a specific service).

Also, in one embodiment, it may be determined that the card issuer server is relied on and, in principle, unconditionally approves the reward issue request message.

The reward providing apparatus 100 calculates a reward to be issued according to the inquired reward policy (S112). Next, as a result of the approval decision S111, the reward providing apparatus 100 transmits a reward issuing approval message including the issued reward amount to the card issuing server 400 only when it is determined to approve issuance of the reward.

The card issuer server 400 subtracts the amount corresponding to the issued reward from the amount of money approved for payment (S104) (S122) only when the reward issuance approval message is received from the reward providing device 100 (S120). For example, if the amount authorized for payment (S104) is 10,000 won and the issued reward is 2,000 won or 2,000 won, the amount actually charged to the buyer will be 8,000 won. In addition, the card issuer server 400 settles the settlement amount after deduction when the card settlement amount is settled to the merchant. That is, in the above example, the reward of 2000 won is paid by the merchant rather than the card company. The merchant can inquire the details of the settlement and the reward payment using the merchant terminal 300.

Hereinafter, a method of providing a reward according to another embodiment of the present invention will be described with reference to FIG. The present embodiment is different from that described with reference to FIG. 2 in that a card issuer itself provides a reward issuance service, but the overall operation is the same as that described with reference to FIG. 3 corresponds to the card issuer server 400 of FIG. 2 and corresponds to the reward providing apparatus 100 of FIG. 2 corresponds to the second module in the card issuer server 400 of FIG. Module. ≪ / RTI >

Hereinafter, a method of providing a reward according to another embodiment of the present invention will be described with reference to FIG. According to the present embodiment, after the purchaser performs the check-in request for the specific merchant in advance, the reward is paid when the purchaser performs the purchase at the specific merchant (that is, in this case, the check- If the reward is not paid, the reward with the incentive will be paid.

The buyer terminal 300 accesses the reward providing apparatus 100 and receives merchant advertisement contents (S80). The buyer terminal 300 can receive the advertisement contents from the reward providing apparatus 100 through the reward issuing application installed in the buyer terminal 300. [

For example, the franchise advertisement contents may include a unique key for each advertisement. The unique key is not displayed on the buyer terminal 300. [ When the user of the buyer terminal 300 selects a specific advertisement, a check-in request message including the unique key of the selected advertisement is transmitted to the reward providing apparatus 100. [ Each of the advertisements may be for each merchant.

The reward providing apparatus 100 receives the check-in request message from the purchaser terminal 300, authenticates the integrity of the unique key included in the check-in request message, and processes check-in upon authentication pass-through S84).

The authentication procedure using the inherent key is performed by using authentication data indicating that the user of the purchaser terminal 300 has been exposed to the merchant advertisement provided from the reward providing device 100 and has visited the merchant as a result of the advertisement exposure Can be inquired. Note that, in one embodiment, the authentication procedure using the inherent key may be omitted. To this end, the reward providing apparatus 100 may store a record of performing an authentication procedure using the unique key.

After the payment approval (S104), the card issuer server 400 determines whether the payment details are sales at the reward service affiliate store (S106). Information on the reward service merchant may be recorded in the card issuer server 400 or may be retrieved by the reward providing device 100. [ If it is not sales at a reward service franchisee, it is irrelevant to the present invention, and further operation related to this embodiment is not performed.

If it is sales at the reward service franchisee, the card issuer server 400 transmits a reward issue request message to the reward providing device 100 (S108). In one embodiment, information such as an approved amount, a merchant code, and a product name may be added to the reward issue request message.

The reward providing apparatus 100 receives the reward issue request message and inquires the reward policy corresponding to the merchant code (S110). In addition, the reward providing apparatus 100 determines whether to grant the reward issuance using the information included in the reward issuance request message (S111).

The determination may be performed using at least one of the approval amount and the product name information included in the reward issue request message. The determination may be performed by referring to the reward grant rule information matched for each merchant. For example, the reward award rule information may be a reward for a sales of a specific amount or more, or may be rewarded only for a specific product (or a specific service). Also, in one embodiment, it may be determined that the card issuer server is relied on and, in principle, unconditionally approves the reward issue request message. The reward providing apparatus 100 calculates a reward to be issued according to the inquired reward policy (S112).

If the purchaser makes an advance check-in application to the merchant (S114), the incentive is given to the calculated reward.

Refer to Table 1 for an example of applying incentives to rewards in more detail.

A case in which the reward corresponding to the purchase amount is 1000 will be described. In case of merchant A, if you check in between 6 hours and 24 hours before the purchase date according to the proof of purchase, the reward will be increased to 1200 won with 20% incentive. Similarly, Merchant B receives a 10% incentive on Rewards if checked-in 3 hours prior to purchase. Generally, the larger the difference between the check-in time and the purchase time (the transaction time recorded in the purchase information), the greater the incentive can be provided, but each merchant is able to provide, in an unrestricted manner, The incentive corresponding to the time period of < / RTI >

According to Table 1, merchants C and D are merchants designated to provide distance-based reward incentives. That is, the merchants C and D give an incentive based on the distance between the shopper position and the merchant position at the time of check-in. For example, if a merchant C is checked in at a location 40KM away from a store, and then visits the store to make a purchase and request a reward, the reward will be increased by 20%.

An incentive may be given based on the distance between the merchant at the time of check-in and the location of the shopper, but may be based on the administrative area as described in the merchant shop D. To this end, the reward providing apparatus 100 may convert the location information of the buyer terminal 500 included in the reception of the check-in request to the location of the administrative area using the pre-stored map information. The location information on the administrative area of the merchant can also be registered in advance.

Generally, the greater the distance between the shopper's location at the check-in time and the merchant's location, the greater the incentive may be provided, but each merchant will be able to determine the location of the shopper at check- The incentive corresponding to the section can be specified.

In FIG. 4, the incentive is reflected in the reward when the advance check-in is performed, and the basic reward is provided even if the advance check-in is not performed. On the other hand, according to one embodiment, it is noted that the reward policy may be set so that the designated reward is issued only when the advance check-in is performed according to the selection of the merchant store owner.

If the reward providing apparatus 100 determines to grant the reward issuance as a result of the approval decision S111 (if the reward is given only when the check-in is performed, the reward providing apparatus 100 approves the reward issuance as a result of the approval decision And, at the same time, the advance check-in is made), the reward issuance approval message including the reward amount issued is transmitted to the credit card company server 400.

The card issuer server 400 subtracts the amount corresponding to the issued reward from the amount of money approved for payment (S104) (S122) only when the reward issuance approval message is received from the reward providing device 100 (S120). For example, if the amount authorized for payment (S104) is 10,000 won and the issued reward is 2,000 won or 2,000 won, the amount actually charged to the buyer will be 8,000 won. In addition, the card issuer server 400 settles the settlement amount after deduction when the card settlement amount is settled to the merchant. That is, in the above example, the reward of 2000 won is paid by the merchant rather than the card company. The merchant can inquire the details of the settlement and the reward payment using the merchant terminal 300.

The reward providing method according to the embodiments of the present invention described above with reference to Figs. 2 to 4 can be implemented by a computer-readable code on a computer-readable medium. The computer-readable medium may be, for example, a removable recording medium (CD, DVD, Blu-ray disc, USB storage device, removable hard disk) have. The computer program recorded on the computer-readable recording medium may be transmitted to another computing device via a network such as the Internet and installed in the other computing device, thereby being used in the other computing device.

5 is a hardware configuration diagram of a reward service apparatus according to another embodiment of the present invention. The card issuer server 400 or the reward providing apparatus 100 may have the structure shown in FIG.

5, a reward service apparatus 10 according to an embodiment of the present invention includes a system bus 5, a processor 1, a memory 2, a storage 3, and a network And an interface 4. The computer program code embodying the rewarding method of an embodiment of the present invention described above may be stored in the storage 3 and loaded into the memory 2 and executed by the processor 1. [

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

Claims (5)

Receiving from the card issuer server a reward issuance request message generated by the card approval details generated at the merchant of the reward providing service;
Determining whether the reward providing apparatus approves a reward issuance approval corresponding to the reward issuance request message;
The reward providing apparatus transmitting a reward issuing approval message or a reward issuing rejection message indicating a determination result of whether or not to grant the reward issuing approval;
In response to the card issuer server receiving the reward issuance approval message from the reward providing apparatus, subtracting a charge amount for the card approval record by a reward corresponding to the card approval record; And
Wherein the credit card company server is configured to settle a credit amount reflecting the charge amount deduction when the card payment amount is settled to the merchant.
How to provide rewards. The method according to claim 1,
Wherein the reward providing device further comprises receiving a check-in request including information indicating a check-in merchant from the buyer's terminal before receiving the reward issue request message,
The step of determining whether or not to approve the issuance of the reward,
And reflecting the incentive to the reward according to the card approval details if the merchant in which the purchase has been made according to the reward issuance request is the same as the check-
How to provide rewards. The method according to claim 1,
Wherein the reward providing device further comprises receiving a check-in request including information indicating a check-in merchant from the buyer's terminal before receiving the reward issue request message,
The step of determining whether or not to approve the issuance of the reward,
And determining to approve issuance of a reward corresponding to the reward issue request message only when the franchisee that has made the purchase according to the reward issue request is the same as the check-in affiliated franchisee.
How to provide rewards. 4. The method according to any one of claims 2 to 3,
Wherein the step of receiving the check-
And sending advertisement content for the merchant to the check-in merchant to the terminal of the buyer before receiving the check-in request.
How to provide rewards. Receiving from the card issuer server a card issuance server request message for issuing a reward issued by a card authorization statement generated at a merchant of the reward providing service;
Determining whether the card issuer server approves a reward issue corresponding to the reward issue request message;
If the card issuer server determines that the reward issuance approval is determined, subtracting a charge amount for the card approval details by a reward corresponding to the card approval details; And
Wherein the credit card company server is configured to settle a credit amount reflecting the charge amount deduction when the card payment amount is settled to the merchant.
How to provide rewards.

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