KR20230142359A - Payment advertisement system and method for card payment application - Google Patents

Abstract

The present invention relates to a payment advertising system and a payment advertising method for a card payment application. The present invention relates to a payment advertising system and a payment advertising method. An advertisement is created and published directly using an advertiser's terminal, and when a payment transaction is completed using a card payment application on a payer's terminal, a payment receipt is displayed on the payer's terminal screen. In addition, when the above-issued advertisement is displayed or a digital card skin designed with an advertisement of an affiliated store is selectively applied to a card linked to a card payment application to the payment terminal and a payment is made with the card, the advertisement of the affiliated store is displayed on the payment terminal. This is about the payment advertising system and payment advertising method of the card payment application displayed on the screen.

Description

Payment advertisement system and method for card payment application}

The present invention relates to a payment advertising system and payment advertising method for a card payment application. To be described in more detail, an advertisement is created and published directly using an advertiser terminal and a payment transaction is completed using a card payment application using the payer terminal. Then, the advertisement issued above is displayed in addition to the payment receipt on the screen of the payer terminal, or the digital card skin designed with the advertiser's advertisement is selectively applied to the card linked to the card payment application and payment is made with the card. This is about the payment advertising system and payment advertising method of a card payment application in which the corresponding advertisement is displayed on the screen of the payer's terminal.

In the current mobile payment transaction environment, the number of users and frequency of use of fintech applications that assist or proceed with payment transactions is increasing due to the convenience of payment. Payment applications that enhance security and convenience by assisting card payment transactions are emerging, and their utilization is expected to gradually increase.

The main function of these payment applications is to process payment transactions, but in keeping with the situation where receipts and cards are changing from physical to electronic forms that can be viewed on the screen of a digital device, advertisements are placed on banners, notification windows, or electronic receipts. It is becoming a positive environment to additionally perform the function of an advertising medium that generates revenue by deploying and exposing advertisements to application users.

The prior art in this regard had the characteristics of issuing an electronic receipt to the payer's terminal and posting an advertisement provided by the application on the electronic receipt, or exposing an advertisement on the home screen or standby screen of the mobile terminal and providing benefits to the terminal user. There was a problem in that the form, composition, purpose, and production principle of were not clearly presented, and advertisers had to incur high costs when producing advertisements.

Korean Patent Publication No. 10-2021-0132387 “Payment method using one-time payment security code based on color pixel code” Korean Patent No. 10-1583115 “Advertising application operation system and method of operation”

The purpose of the present invention is to solve the above-described conventional problems, by outputting advertisements produced and published on the advertiser's terminal in addition to the payment receipt to the screen of the payer's terminal after completing the payment transaction using a card payment application, thereby providing an inexpensive advertisement. You can enjoy the effect, and when you selectively apply the digital card skin of a specific affiliated store to the card linked to the card payment application using the payment terminal and make a payment with that card, the affiliated store's advertisement is exposed on the screen of the payment terminal and the advertisement is displayed. The goal is to provide a payment advertising system and payment advertising method for card payment applications that reduce the burden.

In order to achieve the problem that the present invention seeks to solve, according to one feature of the present invention, the advertisement produced and published by the advertiser's terminal is output in addition to the payment receipt on the screen of the payer's terminal after completing the payment transaction using the card payment application. The purpose is to provide a payment advertising system and payment advertising method for a card payment application.

In the first embodiment, a method of creating an advertisement through an advertising comprehensive application using an advertiser's terminal includes the steps of downloading an advertising comprehensive application from an advertising management platform server, selecting between a receipt advertisement and a banner advertisement, and the advertising comprehensive application. Steps of inputting images and voices to be used for advertisements through the advertisement input unit and storing the input advertisements through the storage unit, setting the advertisement period and exposure frequency through the advertisement control unit, publishing the set advertisements, and uploading them to the advertisement management platform server. It includes the following steps:

In the first embodiment, the method of inputting an advertisement image in the advertisement comprehensive application may include the step of requesting an advertisement request by selecting a registered advertisement producer in the advertisement outsourcing input unit of the advertising comprehensive application.

The advertising voice generated in the advertising comprehensive application is used when creating a banner advertisement, and is used by uploading a pre-prepared voice file, recording the advertiser's voice through the voice input unit of the advertising comprehensive application, or using the voice included in the advertising comprehensive application. It is possible to use samples to include them in the payment advertising system.

The voice input method has the potential to be expanded and applied to receipt advertisements in the future through the voice input unit.

In the first embodiment, the advertising image, advertising video, advertising voice, advertising period, and exposure frequency can be constantly changed and managed in the advertising comprehensive application installed on the advertiser's terminal.

In the first embodiment, the payment advertising method of the card payment application in the advertisement output application includes the steps of proceeding and completing a payment transaction with a card linked to the card payment application of the payer terminal and the seller's Point of Sales (POS) device, It includes the step of outputting a payment receipt recording the transaction results on the payer terminal screen and the POS device screen, and the step of adding an advertisement to the payment receipt and outputting it.

In the first embodiment, the payment advertising method of the card payment application is applied equally to online card payment made through the Internet on a PC, mobile device, etc., rather than direct card payment, so that payment is made through the advertising output application of the advertising management platform server. It is possible to print receipts and receipt advertisements.

In the first embodiment, the payment advertising method of the card payment application includes a follow sharing function that shares the output advertisement with the payer's followers.

According to another feature of the present invention, when a digital card skin of a specific affiliated store is selectively applied to a card linked to a card payment application through a payment terminal and a payment is made with that card, an advertisement for the affiliated store is displayed on the screen of the payment terminal. The purpose is to provide a payment advertising system and payment advertising method for a card payment application.

In the second embodiment, the payment advertising method in the card payment application includes the steps of requesting the digital card skin of the affiliated store from the digital card skin advertiser to the advertising management platform server, and adding a digital card skin to the card payment application from the advertising management platform server. Registering a card advertisement to be linked, setting a card skin of the registered merchant on a card linked to the card payment application of the payer's terminal, and making a payment with the card for which the card skin has been set; This process includes the step of outputting a card advertisement consisting of an affiliated store advertisement video or advertisement image to the screen of the payer terminal.

In the second embodiment, the digital card skin and card advertisement are requested to be externally produced by the advertising management platform server at the request of the advertiser, and then the digital card skin is stored in the card payment application of the platform, and the card advertisement is stored in the advertisement output application. It is done in a way.

In the second embodiment, the card advertisement of the digital card skin of the payment advertisement method in the card payment application allows the advertiser to provide benefits specified by the advertiser, such as additional points, to the payer terminal that outputs the advertisement.

The effect of the payment advertisement system and payment advertisement method of the card payment application according to the present invention is that advertisement production, publication, and management can be simplified through the advertisement comprehensive application on the advertiser's terminal, so advertisement production is carried out inexpensively and conveniently, and advertisement production is carried out inexpensively and conveniently. Since it is possible to issue real-time advertisements by eliminating the temporal and spatial limitations of production and management, it is possible to easily expose affiliated stores' advertisements.

Another effect of the payment advertising system and payment advertising method of the card payment application according to the present invention is that widespread promotion through a trust relationship is possible by additionally sharing the advertisement with the payer's followers.

Another effect of the payment advertising system and payment advertising method of the card payment application according to the present invention is that each time a payment is made with the card after selectively applying a digital card skin at the payer terminal, the advertiser collects the payer's database, and the payer collects the advertiser By receiving the benefits designated by the payer, it reduces the payer's resistance to advertisements exposed to the payer terminal, and advertisers can link profits to identify and secure a loyal member base.

Yet another effect of the payment advertising system and payment advertising method of the card payment application according to the present invention is that the main screen of the card application or linked cards can be checked on the payer terminal holding a card with a digital card skin applied. Because the affiliate store's advertisement is always exposed through the list screen, additional contact and increased awareness can be expected.

1 is a block diagram showing the configuration of a payment advertising system for a card payment application of the present invention and a block diagram of a platform network.
Figure 2 is an example diagram of an electronic receipt issued according to the payment advertisement method of the card payment application according to the first embodiment of the present invention and an example diagram illustrating the sharing function of the receipt advertisement.
Figure 3 is a flowchart of the receipt advertisement production process according to the payment advertisement method of the card payment application according to the first embodiment of the present invention.
Figure 4 is a flowchart of the receipt advertisement issuance and management process produced according to the payment advertisement method of the card payment application according to the first embodiment of the present invention.
Figure 5 is a flowchart of the receipt advertisement output process according to the payment advertisement method of the card payment application according to the first embodiment of the present invention.
Figure 6 is a flowchart of the banner advertisement voice input function of the payment advertisement method of the card payment application of the present invention.
Figure 7 is an example of a card advertisement in a payment advertisement method of a card payment application according to a second embodiment of the present invention.
Figure 8 is a flowchart of the card advertisement output process of the payment advertisement method of the card payment application according to the second embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, since the description of the present invention is only an example for structural and functional explanation, the scope of the present invention should not be construed as limited by the examples described in the text. In addition, regardless of the reference numerals, identical or similar components will be assigned the same reference numbers and duplicate descriptions thereof will be omitted.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments and are not intended to limit the technical idea of the present invention. In addition, the technical terms used in the present invention, unless specifically defined in a different sense in the present invention, should be interpreted as meanings generally understood by those skilled in the art in the field to which the technology of the present invention pertains, and should not be used excessively. It should not be interpreted in a comprehensive or excessively reduced sense. In addition, if the technical term used in the present invention is an incorrect technical term that does not accurately express the technical idea of the present invention, it should be replaced with a technical term that can be correctly understood by a person with ordinary knowledge in the field to which the technology of the present invention belongs. It must be understood. In addition, general terms used in the present invention should be interpreted according to the definition in the dictionary or according to the context, and should not be interpreted in an excessively reduced sense. Additionally, when describing the technology of the present invention, if it is determined that a detailed description of related known technology may obscure the technical gist of the present invention, the detailed description will be omitted.

As shown in FIG. 1, the payment advertising system for the card payment application according to the first embodiment of the present invention includes a payer terminal 1 who wants to purchase a product with a card online or offline, and a payment advertisement system for purchasing the product offline or online. An advertiser terminal (2) that wants to advertise and sell and requests card approval, and an advertising management platform server ( 3) and a bank/card company server 4 that determines whether the card approval request is approved from the advertiser terminal and notifies the advertiser terminal of an approval response.

A card payment application 31 is installed on the payer terminal.

A card payment application (31) and an advertising comprehensive application (32) are installed on the advertiser's terminal.

The advertiser terminal does not only mean an advertiser terminal, but can also be used in a broad sense to include a seller's terminal that wants to sell a product or an affiliated store owner's terminal that wants to promote an affiliated store.

The bank/card company server 4 is installed with a card payment application 31 that determines whether to approve the card approval request from the advertiser terminal and notifies the approval response to the advertiser terminal.

As shown in FIG. 1, the platform 30 of the advertising management platform server 3 connects the payer terminal 1, the advertiser terminal 2, and the bank/card company server 4 over a network. And, a card payment application 31 that selects a digital card skin and performs card payment, an advertising comprehensive application 32 that produces and issues receipt advertisements or banner advertisements, and approves payment when the payment transaction is completed with the payment terminal. It includes an advertisement output application 33 that recognizes and outputs the receipt advertisement generated by the advertisement comprehensive application.

The card payment application 31 includes a communication unit 311 that transmits and receives card payment requests and approvals offline or over a network, and a skin confirmation unit 312 that checks the digital card skin registered in the advertising management platform server 3. Includes.

The advertising comprehensive application 32 includes an advertising magnetic input unit 321a that directly creates a receipt advertisement in the advertiser terminal, an advertising outsourcing input unit 321b that requests a receipt advertisement to an outsourcing company, and a voice input unit 321c that adds voice to the banner advertisement. ), an advertisement input unit 321 having an advertisement input unit 321, an advertisement control unit 322 that sets the advertisement period, advertisement airing time, and advertisement exposure frequency and issues the produced and stored advertisement, and the produced advertisement or materials related to advertisement production. It includes a storage unit 323 for storing.

The materials may include videos, images, text, stickers, audio files, designs, etc. used in advertisements.

The advertisement input unit 321a includes an advertisement image unit 3211 for inputting images to be used in advertisements, and an advertisement text unit 3212 for inputting text and stickers to be used in advertisements. The advertising outsourcing input unit 321b includes a request unit 3213 through which the advertising production outsourcing company inputs content to be used as a reference for advertising production.

The advertisement output application 33 includes a card payment recognition unit 331 that recognizes completion of the card payment of the card payment application 31 at the time of payment, and a transaction result recorded by receiving a signal transmitted from the card payment recognition unit. It includes an advertisement attachment unit 332 that attaches a receipt advertisement to the received payment receipt, and an advertisement output unit 333 that outputs the transmitted payment receipt and advertisement.

The advertisement output application 33 can output advertisements before and after generating a receipt when the payer completes the payment transaction with the card payment application 31. The form of the receipt is based on an electronic receipt displayed on the screen of the payer's terminal.

The advertisement output of the advertisement output application 33 may be a receipt advertisement generated in the advertisement magnetic input unit 321a of the advertisement comprehensive application 32, or the advertisement may be requested from an external outsourcing company in the advertisement outsourcing input unit 321b. It may be a receipt advertisement produced, or it may be a card advertisement produced at the request of an external advertiser and registered on the advertisement management platform server.

The advertising comprehensive application has a function of linking with a card payment application, a function of storing images or videos and advertisement exposure frequency and advertisement period, a function of registering and posting advertisement producers and matching them with advertisers, and a social network that allows mutual communication with potential buyers. It is comprised of service (hereinafter referred to as SNS) functions.

The advertising output application includes a portable terminal, a central server, a POS device, a credit card company, a card payment application, an advertising comprehensive application, a linkage function with SNS, and a card information storage function.

According to one feature of the present invention, advertisements are simply created and issued using only images, text, and voice on the advertiser's terminal through an advertisement comprehensive application, and advertisements are placed on receipts on the display screen of the payer's terminal and the seller's POS device screen through an advertisement output application. It provides a payment advertising method for card payment applications that outputs images and advertising text.

In the first embodiment, the payment advertising method of the card payment application includes the steps of proceeding and completing a payment transaction with a card linked to the card payment application of the payer terminal and the seller's POS device, and the screen of the payer terminal and the seller's POS device. It includes a step of outputting a payment receipt with the transaction results recorded on the screen, and a step of outputting a receipt advertisement in addition to the receipt.

In the first embodiment, the receipt advertising method includes a follow sharing function that shares the output advertisement by clicking the follow sharing icon 120 to followers of the payer terminal.

In the first embodiment, the receipt advertising method is also possible to further increase the advertising effect by outputting the receipt advertisement before the receipt.

In the first embodiment, the payment advertising method of the card payment application can be equally applied to online card payments made through the Internet on a PC, mobile device, etc., rather than direct card payment, and is performed through the advertising output application of the advertising management platform server. This can be done by printing payment receipts and receipt advertisements.

According to another feature of the present invention, when a digital card skin designed as an advertiser's advertisement is selectively applied to a card linked to a card payment application through a payer terminal and a payment is made with the card, the advertisement is displayed on the screen of the payer terminal. The goal is to provide a payment advertising system and payment advertising method for a card payment application.

In a second embodiment, the payment advertising method in the card payment application includes the steps of requesting a digital card skin from the digital card skin advertiser to the advertising management platform server, and linking the digital card skin to the card payment application in the advertising management platform server. Registering a card advertisement to be broadcast, setting the registered digital card skin on a card linked to a card payment application of the payer terminal, and processing a payment with a card for which the digital card skin is set; This process includes the step of outputting a card advertisement consisting of a video or image to the display screen of the payer terminal and the advertiser's POS screen.

In the second embodiment, when the digital card skin of the desired affiliated store is set on the card linked to the card payment application of the payer terminal, the digital card skin consists of a video and image for the advertiser in the advertisement output application of the advertisement management platform server. The card advertisement is stored, and there is a step to prepare for output of the advertisement each time the card to which the card skin is applied is used.

In the second embodiment, it is possible for the external advertiser to provide a designated benefit, such as accumulated points, to a payer terminal that outputs a card advertisement by applying the card skin.

In the second embodiment, the payment advertising method of the card payment application can be equally applied to online card payments made through the Internet on a PC, mobile device, etc., rather than direct card payment, and is performed through the advertising output application of the advertising management platform server. This can be done by printing a card advertisement.

As shown in FIG. 3, the receipt advertisement 110 of the payment advertisement method of the card payment application according to the first embodiment of the present invention is the electronic receipt 100 displayed on the card payment application screen of the payer terminal. The receipt advertisement 110 may be printed at the bottom of the receipt, or may be printed included in another appropriate location.

In the advertisement comprehensive application 32 linked to the card payment application 31, the input advertisement is produced, and the production of this advertisement is performed as shown in FIG. 3. The advertiser terminal (2) requests delivery of the advertising comprehensive application (32) to the advertising management platform server (3). And the advertisement is produced in the advertisement comprehensive application downloaded from the advertiser's terminal, by pressing the “Create Ads” button (a1) on the home screen and the receipt advertisement creation button (a2), the advertisement magnetic input unit 321a and the advertisement outsourcing input unit ( After selecting 321b), steps are performed to input an advertisement image and text, issue the produced advertisement through the advertisement control unit 322, and set the advertisement period and exposure frequency.

In the step of inputting images and text to be used for advertisements in the advertisement comprehensive application 32 downloaded from the advertisement management platform server 3, advertisements can be entered in two ways.

In the first method, the advertiser directly produces an advertisement through the advertisement magnetic input unit 321a, which is a step in which the advertiser simply produces a receipt advertisement and a banner advertisement using images, text, and voices to be used in the advertisement, and the produced receipt At the stage of issuing an advertisement, the maximum amount and period of daily advertisement exposure for the advertisement are set, and the final generated receipt advertisement consists of the image and text desired by the advertiser, and the advertisement period and exposure frequency are set and a payment receipt (100 ) is added to and output. Press the “Do it Yourself!” button (a4) to access the advertisement input section (321a) to add an image through the advertisement image section (3211) and access the “Add Text” button (a7) to enter the advertisement text section (3212). You can write text and stickers as shown in the drawing, and you can also use the template use button (a5) to create an advertisement by using an advertisement image created in the past as a template.

As a second method, it is possible to select an advertisement producer registered in the request unit 3213 through the advertisement outsourcing input unit 321b and request an advertisement request, which is not a method in which the advertiser directly produces the advertisement. This is a method of requesting advertising outsourcing from an advertising producer registered in a comprehensive application. The advertisement producer is registered in advance and accesses the advertisement outsourcing input unit 321b by pressing the “Make a Request” button (a6). The registered advertisement producers are listed, and the advertiser enters the desired advertisement creator with reference information for advertisement production. It is possible to entrust an advertisement request, and the requested advertisement producer can create an advertisement appropriately and upload it to the advertisement comprehensive application. The progress of advertising production can also be checked through the advertising comprehensive application.

The production of the advertisement may also produce a banner advertisement including a voice advertisement. In the banner advertisement, as shown in Figures 3 and 6, the advertising voice is input through the voice input unit 3213, and the voice input unit inputs a prepared voice file and uploads and uses the voice file, or the advertiser's voice file is input. It is possible to record your voice, input advertising comments using a program such as TTS or Voiceware, or include voice in a banner advertisement using voice samples included in an advertising comprehensive application.

The method for advertisers to record their voices is to go through an image and text input process similar to receipt advertisement production through the banner advertisement creation button (a3), click the “Voice AD” tab (b1), and click the “Self-recording” button (b2). ), a page that says 'You can advertise your store for 10 seconds' appears, press the recording start button (b3) to record a voice advertisement for use in a banner advertisement, and press the voice icon (b4) to advertise to the payer terminal. You will be able to hear voices.

The use of voice advertisements has the potential to be widely applied not only to banner advertisements but also to receipt advertisement production.

The advertiser may be an advertisement requestor, an affiliate store owner of any affiliated store, or a person requesting an advertisement. As shown in FIG. 4, the created and stored advertisement may be displayed through the advertisement control unit 322 of the advertisement comprehensive application. It is published and managed, and it is possible to change settings, including advertising period and exposure frequency, as desired by advertisers.

To publish the above receipt advertisement, access the advertisement publishing page through the “Ad Settings tab (a9)”, select the receipt advertisement created and saved above, press the publish button (a11), and set the number of advertisement impressions. This completes the issuance.

The advertisement management method allows accessing the advertisement exposure management page for the issued advertisement through the “Manager” tab (a10) and setting the desired exposure amount by pressing the change maximum daily advertisement exposure amount button (a12).

The issued receipt advertisement is uploaded to the advertisement management platform server and stored so that it can be output as an advertisement after payment is completed.

The receipt advertisement 110 issued by the above-described method is included in the receipt 100 displayed on the screen of the card payment application when the payment transaction is completed using the card payment application of the payer's terminal. The method of outputting the receipt advertisement 110 is performed as shown in FIG. 5. This is a step (S20) where the card (C1) linked to the card payment application of the payer terminal is inserted into the seller's POS device (P1), and the contents of the payment transaction are displayed on the screen of the payer terminal and a step of signing for payment. (S21), a step in which the payment is completed by a signature appearing on the screen of the seller's POS device (S22), and a payment receipt (100) recording the transaction result is output to the card payment application display screen and the display screen of the seller's POS device. This includes a step (S23) in which a receipt advertisement is output to the payer terminal.

In the step (S23) where the payment receipt 100 and the receipt advertisement 110 with the transaction results recorded on the card payment application screen and the POS device screen described above are output, the receipt advertisement is output along with the payment receipt, and the payer receives the corresponding advertisement. It is possible to watch and check. In the drawing, the receipt advertisement is located at the bottom of the receipt, but this is just an example to aid understanding and the location of the receipt advertisement does not necessarily have to be located at the bottom of the receipt. Receipt advertisements can be used in addition to static images and text depending on the input method. It can be output as dynamic images and videos.

In the method of printing receipt advertisements as described above, it is possible to further increase the advertisement effect by printing the receipt advertisement before the receipt. Additionally, receipt advertisements printed on the screen of an offline seller's POS device can be screen-shared on a device with a larger display screen so that other customers can view it, resulting in additional advertising effects.

The payment advertising method of the card payment application is equally applied to online card payments made through the Internet on PCs, mobile devices, etc., rather than direct card payments, and outputs payment receipts and receipt advertisements through the advertising output application of the advertising management platform server. It is possible.

The payment receipt may include a sharing function, which links the card payment application with an application with an SNS function to share the receipt advertisement with the payer's followers. As shown in FIG. 2, the sharing function is executed by pressing the follow sharing icon 120 inside the receipt to share the corresponding receipt advertisement with the payer's followers on SNS that are previously linked to the card payment application.

At this time, the entire receipt is not shared, but only the receipt advertisement containing only the advertisement image and text is shared. In order to promote this follow sharing, you can also add a small reward to those who execute the follow sharing function.

The card advertisement 210 of the payment advertisement method of the card payment application according to the second embodiment of the present invention is output to the card payment application screen of the payer terminal, as shown in FIG. 7.

In this card advertisement (210), the digital card skin and card advertisement created as the advertiser requests the advertiser's digital card skin and card advertisement to the advertisement management platform server are stored in the advertisement management platform server and then the digital card skin is created. When payment is made with the applied card, the card advertisement 210 is output on the screen of the payer terminal by being output from the advertisement output unit 333.

The digital card skin and card advertisement are produced by the advertisement management platform server and uploaded to the card payment application at the request of the advertiser.

7, the card advertisement 210 is a digital card within the range of NFC (Near Field Communication), which allows electronic devices such as smartphones and smartwatches to perform short-range wireless communication with smart cards and other electronic devices. When a payment is made using a card with the skin 'Heineken' applied, the advertising video and audio of the affiliated store 'Heineken' are displayed on the screen of the payer's terminal.

In the second embodiment, the payment advertising method in the card payment application includes the steps of requesting a digital card skin from the digital card skin advertiser to the advertising management platform server, and linking and broadcasting the digital card skin to the card payment application from the advertising management platform server. A step of registering a card advertisement to be used, setting the registered digital card skin on a card linked to a card payment application of a payer terminal, performing payment with a card for which the digital card skin is set, and advertising. This process includes the step of outputting a card advertisement consisting of a video or advertisement image to the screen of the payer terminal.

The method of setting the desired digital card skin for the card linked to the card payment application is to select the payment card linked to the card application through the card list screen and look at the advertisers' digital card skins 200 that can be selected from the card. The payer selects and applies the advertiser's desired digital card skin.

The method of outputting the above-described card advertisement 210 is explained in more detail. As shown in FIG. 8, access the card payment application and press the “Credit card” tab (c1) formed on the bottom right of the home screen to access the card. A list screen will appear, and if you click the “Theme” tab (c2) at the bottom right of the card list screen, the digital card skin setting screen will appear. Select the card to which you want to apply the digital card skin on the digital card skin setting screen and click on the advertisement. Select and download one digital card skin from the list of multiple digital card skins (Other Themes) that can be downloaded from the management platform server (S30). The digital card skin, which has been moved from the 'Other Themes' to the digital card skin list (My Themes) that has already been downloaded and can be used immediately in the card payment application, is applied to the card (S31), and the digital card skin is applied to the card. The card appears on the card list and home screen (S32), and when a mobile payment is made with the card, a card advertisement 210 is exposed on the display screen of the payer terminal, as shown in FIG. 9. .

In the step of selectively applying the digital card skin, as shown in FIG. 8, you can check the benefits of using the digital card skin and watching card advertisements provided by advertisers separately from the card use benefits provided by existing card companies through a pop-up window. .

This process is performed only at the beginning up to (S32), and thereafter, when a mobile payment is made with the card in a card payment application, the card advertisement is displayed on the screen of the payer's terminal.

When a card to which the digital card skin is applied is selected, the card payment application recognizes it, and when the payment is made, the card advertisement 210 is displayed in the advertisement output unit 333 of the advertisement output application 33 linked to the card payment application. It is displayed on the screen of the payer's terminal.

Cards to which the digital card skin is applied are always exposed on the payer terminal through the home screen of the card application or the card list screen where linked cards can be checked, so additional advertising effects can be seen.

When paying with a card using the digital card skin, the advertiser can collect a database of payers and confirm and secure a loyal member base at the same time as the linked broadcast of the card advertisement.

After the payment, when the card advertisement consisting of the advertisement video, image, and voice of the digital card skin is output on the screen of the payer terminal, the card advertisement 210 for the advertiser of the selected digital card skin is displayed as the receipt advertisement 110 or the smart card advertisement 210. Unlike other advertisements displayed on phones, highly dynamic advertisements are displayed by utilizing the entire area of the display screen of the payer's terminal.

As described above, card advertisements are printed after payment is made using a card with a digital card skin applied. At this time, it is possible for the advertiser of the affiliated store corresponding to the digital card skin to provide benefits such as pre-designated discounts and additional points to payers who watched the card advertisement, separately from the fixed usage benefits of the existing card. For example, when you make a payment with a card that has a digital card skin set for a specific cafe affiliated store and watch a card advertisement for that cafe affiliated store, you can set it to accumulate mileage or receive discount benefits for that cafe affiliated store.

If you want to receive the benefits of using a different digital card skin on one card, you can simply go through the steps of selectively applying the digital card skin.

The payment advertising system and payment advertising method of the card payment application as described above can simplify the production, publication, and management of advertisements through the advertisement comprehensive application on the advertiser's terminal, so the production of advertisements is carried out inexpensively and conveniently, and the production and Since it is possible to issue real-time advertisements by eliminating the temporal and spatial limitations of management, it has the effect of easily exposing advertisers' advertisements.

The payment advertising system and payment advertising method of the card payment application as described above has the advantage of enabling extensive promotion through a trust relationship by additionally sharing the advertisement with the payer's followers.

In the payment advertising system and payment advertising method of the card payment application as described above, each time a payment is made with the card after selecting a digital card skin on the payer terminal, the advertiser collects the payer's database, and the payer receives the benefits specified by the advertiser. Therefore, payers' resistance to advertisements exposed on payer terminals is reduced, and advertisers can identify and secure a loyal member base, thereby generating more effective advertising effects.

The payment advertising system and payment advertising method of the card payment application as described above are performed through the home screen of the card application or the card list screen where linked cards can be checked at the payer terminal holding a card with a digital card skin applied. Since the advertiser's advertisements are exposed at all times, it is possible to expect additional contact and increased awareness.

As mentioned above, the embodiment of the present invention is not implemented only through the above-described device and/or operating method, but through a program for realizing the function corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded, etc. It may be implemented, and such implementation can be easily implemented by an expert in the technical field to which the present invention belongs based on the description of the embodiments described above. Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements can be made by those skilled in the art using the basic concept of the present invention defined in the following claims. It falls within the scope of rights.

1: Payer terminal
2: Advertiser terminal
3: Advertising management platform server
30: platform
100: Electronic receipt
110: Receipt Advertisement
120: Follow Share Icon
200: Digital Card Skin
210:Card advertisement

Claims (12)

In the payment advertising system of the card payment application,
The payment advertising system of the card payment application is,
A payer terminal (1) that wants to purchase goods with a card online or offline, an advertiser terminal (2) that wants to advertise and sell goods offline or online, and when the payment is approved by the advertiser terminal, it recognizes it and payer It includes an advertising management platform server (3) that outputs advertisements to the terminal, and a bank/card company server (4) that determines whether to approve the card approval request from the advertiser terminal and notifies the approval response to the advertiser terminal,
The platform 30 of the advertising management platform server 3 connects the payer terminal 1, the advertiser terminal 2, and the bank/card company server 4 over a network,
The platform 30 of the advertising management platform server 3 includes a card payment application 31 that processes card payments, an advertising comprehensive application 32 that produces and publishes advertisements, and payment when the payment transaction is completed with the payer terminal. Includes an advertisement output application (33) that recognizes approval and outputs an advertisement generated by the advertisement comprehensive application (32),
The card payment application 31 includes a communication unit 311 that transmits and receives card payment requests and approvals, and a skin confirmation unit 312 that checks the registered digital card skin,
The advertising comprehensive application 32 has an advertising input unit (321a) for directly producing advertising, an advertising outsourcing input unit (321b) for requesting advertising from an outsourcing company, and a voice input unit (321c) for adding voice to advertising. 321), an advertisement control unit 322 that sets the advertisement period, advertisement airing time, and advertisement exposure frequency and issues advertisements, and a storage unit 323 that stores the produced advertisement or tools related to advertisement production; ,
The advertisement output application 33 includes a card payment recognition unit 331 that recognizes completion of the card payment of the card payment application 31 at the time of payment, and receives a signal transmitted from the card payment recognition unit to display an advertisement on the payment receipt. A payment advertisement system for a card payment application, comprising an advertisement attachment unit 332 for attaching an advertisement and an advertisement output unit 333 for outputting the transmitted payment receipt and advertisement.
According to paragraph 1,
The advertisement magnetic input unit 321a includes an advertisement image unit 3211 for inputting images to be used in advertisements, and an advertisement text unit 3212 for inputting text and stickers to be used in advertisements.
The advertising outsourcing input unit 321b is a payment advertising system for a card payment application, characterized in that it includes a request unit 3213 for inputting content to be used as a reference for advertising production by the outsourcing company.
In the payment advertising method of the card payment application,
The payment advertising method of the card payment application is,
Applying an advertisement request to the advertisement management platform server using the advertiser's terminal to create an advertisement using the advertisement comprehensive application;
Transferring the advertising comprehensive application from the advertising management platform server that has received the advertising request to the advertiser terminal that requested it;
Creating and storing an advertisement through the advertisement input unit using an advertiser's terminal installing the advertisement comprehensive application;
Step of inputting the produced advertisement by setting the advertisement period, advertisement airing time, and advertisement exposure frequency through an advertisement control unit and issuing the advertisement;
Uploading the advertisement issued in this way to the advertisement management platform server;
Inserting a card linked to the card payment application of the payer terminal into the POS device of the advertiser and seller;
Step of signing to pay by appearing on the screen of the card payment application;
Completing payment by displaying a signature on the screen of the POS device of the advertiser and seller;
A payment advertising method for a card payment application, comprising the step of outputting an advertisement along with an electronic receipt to the card payment application screen and the POS device screen of the advertiser and the seller.
According to paragraph 3,
The advertiser terminal installing the advertising comprehensive application requests an advertisement to an outsourcing company through the advertising outsourcing input unit instead of producing an advertisement through the advertising magnetic input unit of the advertising comprehensive application; Or, a payment advertising method for a card payment application, characterized in that it is possible to create an advertisement by using an advertising image created in the past as a template.
According to clause 3 or 4,
The payment advertising method of the card payment application, characterized in that the payer terminal includes a follow sharing function for sharing the printed advertisement along with the electronic receipt to followers of the payer terminal.
According to paragraph 3,
The step of producing an advertisement through the advertisement magnetic input unit involves inputting an image including a dynamic image to be used in the advertisement through the advertisement image unit, and inputting text and stickers to be used in the advertisement through the advertisement text unit.
The step of producing an advertisement through the advertisement outsourcing input unit is a payment advertising method of a card payment application, characterized in that the outsourcing company inputs images and text to be used as a reference for advertisement production through the request unit.
According to paragraph 3,
The step of creating the advertisement is a payment advertisement method of a card payment application, characterized in that it can be performed by selecting between a receipt advertisement and a banner advertisement.
In clause 7,
Banner advertisements are the same as the receipt advertisement production process, but have a voice advertisement function that records the advertiser's voice through a voice input unit, inputs advertisement comments through TTS or voiceware, or produces voice advertisements using voice samples registered in an advertising comprehensive application. A payment advertising method for a card payment application characterized by the addition.
According to paragraph 3,
A card payment application that prints an electronic receipt and receipt advertisement on the payer terminal through the same process for online card payments made through the Internet on a PC or mobile device, rather than directly through the advertiser or seller's POS device. Payment advertising method.
In the payment advertising method of the card payment application,
The payment advertising method of the card payment application is,
Requesting a digital card skin and a card advertisement to be aired from the advertiser terminal to an advertisement management platform server;
A step of storing externally created digital card skins and card advertisements in the advertisement management platform server;
Downloading the digital card skin from the advertising management platform server to a card payment application of the payer terminal;
Selectively applying a digital card skin to a card linked to the card payment application through the card payment application;
A payment being made in a card payment application using a card to which the digital card skin is applied;
Payment advertising method of a card payment application, comprising the step of outputting a card advertisement consisting of an advertiser advertisement video, image, and voice of the digital card skin through an advertisement output application to the screen of the payer terminal.
According to clause 10,
A card payment application characterized in that it provides advertiser benefits for the use of a card to which the digital card skin is applied, separately from the fixed use benefits of the existing card, to the payer terminal that outputs a card advertisement by applying the digital card skin. Payment advertising method.
According to clause 10,
A payment advertising method for a card payment application, characterized in that only the digital card skin can be changed with one card linked to the card application of the payer terminal.