TW202343331A - Method and terminal device for providing benefit information using credit card information - Google Patents

Abstract

A terminal device according to various embodiments of the present disclosure may include: at least one communication circuit connected for communication with a card reader, a first server device, and a second server device; a memory; and a processor. The processor according to various embodiments may be configured to: receive information about a credit card for payment of a specific amount of money from the card reader; transmit the information about the credit card to the first server device; receive a unique identifier corresponding to the information about the credit card from the first server device; transmit the unique identifier to the second server device; receive benefit information for a customer corresponding to the unique identifier from the second server device; and determine whether or not to apply the benefit information, on the basis of a user input.

Description

Method and terminal device for providing preferential information using credit card information

The present invention relates to a method and terminal device for providing preferential information using credit card information.

Usually, a store is equipped with a point of sale (POS) terminal device for managing data on sold goods and settling the amount of the sold goods. The POS terminal device may also be equipped with a card reader (card leader) for credit card settlement. In the POS terminal device installed in the store, when a credit card is used to perform settlement, the POS terminal device in the store transmits a card approval request to the value added network (VAN) company server, and the value added network company server The server transmits card approval information to the card company server, and the value-added network company server can receive approval or rejection information for the card approval request from the card company server and transmit it to the POS terminal device of the store.

[Problem to be solved by the invention]

In order to provide preferential information (for example, discount information or royalty information) to customers who are trying to settle a specific amount at the store, the customer's personal information is requested separately from the settlement process. As an example, in order to provide discount information to customers, an additional QR (Quick Response) code reader can be used independently from the checkout process to identify the customer's QR code that can confirm the customer's personal information. Based on the identified customer's Personal information is used to provide customers with promotional information. As another example, in order to provide preferential information to customers, the customer may be requested to enter a phone number in the POS terminal device, and preferential information may be provided to the customer based on the phone number input by the customer. In the case of the above example, identifying customers and providing promotional information takes a lot of time and requires tedious steps. For this purpose, specific hardware devices are sometimes required. [Technical means to solve problems]

The terminal device in various embodiments of the present invention may include: at least one communication circuit that is communicatively connected with the card reader, the first server device and the second server device; a memory; and a processor. The above-mentioned processor of various embodiments can be configured in the following manner: receiving information of a credit card used to settle a specific amount from the above-mentioned card reader, transmitting the above-mentioned credit card information to the above-mentioned first server device, and receiving the information from the above-mentioned first server device. Receive the unique identification code corresponding to the above-mentioned credit card information, transmit the above-mentioned unique identification code to the above-mentioned second server device, receive the customer's preferential information corresponding to the above-mentioned unique identification code from the above-mentioned second server device, and determine based on the user input Whether to apply the above promotional information.

According to various embodiments, the above-mentioned preferential information may include discount information, and the above-mentioned processor is configured in the following manner: in response to determining that the above-mentioned discount information is applied, the above-mentioned discount information is applied to the final amount of the above-mentioned specific amount and the above-mentioned inherent identification code is transmitted to the above-mentioned 1st server device.

According to various embodiments, the above-mentioned preferential information may include royalty information, and the above-mentioned processor is configured in the following manner: in response to determining to apply the above-mentioned royalty information, transmit the above-mentioned specific amount and the above-mentioned unique identification code to the above-mentioned first server device, Transmit the above-mentioned applied royalty information to the above-mentioned second server device.

The credit card information in various embodiments may include a 16-digit credit card number, and the processor is configured to encrypt the credit card number and transmit it to the first server device.

The above-mentioned unique identification code in various embodiments may be data obtained by using an encryption algorithm to obtain the above-mentioned credit card information.

The above-mentioned first server device in various embodiments may include at least one value-added network company server device.

The processor of various embodiments can be configured in the following manner: before receiving the information of the credit card, transmit the basic information of the customer holding the credit card to the second server device.

The basic information of the customer in various embodiments may include at least one of the customer's name, phone number, gender, and age.

The above-mentioned processor of various embodiments can be configured in the following manner: further receiving from the above-mentioned second server device, the above-mentioned customer's visit statistical information including at least one of the above-mentioned customer's visit number, average settlement amount and visit cycle.

The above-mentioned processor of various embodiments can be configured in the following manner: further receiving access statistical information of a plurality of customers from the above-mentioned second server device.

Methods for providing preferential information to customers using credit card information of a terminal device in various embodiments of the present invention may include: receiving from a card reader information of a credit card used to settle a specific amount; transmitting the credit card information to the first The operation of the server device; the operation of receiving the unique identification code corresponding to the information of the above-mentioned credit card from the above-mentioned first server device; the operation of transmitting the above-mentioned unique identification code to the second server device; the operation of receiving the above-mentioned second server device The action of the customer's preferential information corresponding to the above-mentioned unique identification code; and the action of determining whether to apply the above-mentioned preferential information based on user input.

According to various embodiments, the above-mentioned preferential information includes discount information, and the above-mentioned method may include the following actions: in response to determining to apply the above-mentioned discount information, applying the above-mentioned discount information to the final amount of the above-mentioned specific amount and the above-mentioned inherent identification code to the above-mentioned first Server device.

According to various embodiments, the above-mentioned preferential information includes royalty information, and the above-mentioned method may include: in response to determining that the above-mentioned royalty information is applied, the action of transmitting the above-mentioned specific amount and the above-mentioned unique identification code to the above-mentioned first server device; and The action of transmitting the above-mentioned applied royalty information to the above-mentioned second server device.

The credit card information in various embodiments may include a 16-digit credit card number, and the act of transmitting the credit card information to the first server device includes encrypting the credit card number and transmitting it to the first server device.

The above-mentioned unique identification code in various embodiments may be data obtained by using an encryption algorithm to obtain the above-mentioned credit card information.

The above-mentioned first server device in various embodiments may include at least one value-added network

Company server installation.

According to various embodiments, before receiving the information of the credit card, the action of transmitting the basic information of the customer holding the credit card to the second server device may be included.

The basic information of the customer in various embodiments may include at least one of the customer's name, phone number, gender, and age.

According to various embodiments, the method may further include the following actions: receiving the customer's visit statistical information including at least one of the customer's visit number, average settlement amount, and visit cycle from the second server device.

According to various embodiments, the method may further include the action of receiving access statistics information of a plurality of customers from the above-mentioned second server device. [Effects of the invention]

According to various embodiments of the present invention, even if only the process of settling a specific amount using a credit card is performed, a customer holding a credit card can be identified. In addition, promotional information can be provided to identified customers.

According to various embodiments of the present invention, in order to provide preferential information to customers, the cumbersome personal information identification process that needs to be performed separately from the settlement process can be omitted. In addition, there is no need to have additional hardware devices to identify customers' personal information.

The embodiments of the present invention are exemplified for the purpose of explaining the technical idea of the present invention. The scope of rights of the present invention is not limited to the embodiments proposed below or the specific description of these embodiments.

If there are no other definitions, all technical terms and scientific terms used in the present invention have the meanings generally understood by those with common sense in the technical field to which the present invention belongs. All terms used in the present invention are selected for the purpose of describing the present invention more clearly and are not selected for the purpose of limiting the scope of rights of the present invention.

Regarding expressions such as "comprising", "having", "having", etc. used in the present invention, unless otherwise mentioned in the sentence or article including the corresponding expression, it should be understood that it includes the possibility of other embodiments. Open-ended terms.

Unless otherwise mentioned, singular expressions described in the present invention may include plural meanings, and the same applies to singular expressions described in the patent scope of the invention.

Expressions such as "first" and "second" used in the present invention are used to distinguish multiple components from each other and are not used to limit the order or importance of these components.

The term "part" used in the present invention refers to software or hardware components such as FPGA (field-programmable gate array) and ASIC (application specific integrated circuit). However, "part" is not limited to hardware and software. The "part" may be configured to be in an addressable storage medium, or may be configured to play one or more processors. Therefore, as an example, "part" includes components such as software components, object-oriented software components, class components, and task components, processors, functions, attributes, programs, subroutines, fragments of program code, Drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays and variables. The functions provided in the constituent elements and "parts" may be combined with a smaller number of constituent elements and "parts", or further separated into additional constituent elements and "parts".

The so-called "based on" expression used in the present invention is used to describe one or more factors that affect the behavior or action of decision or judgment described in the sentence or article containing the expression. This expression does not exclude the influence of the decision or judgment behavior. or other factors that influence the action.

In the present invention, when it is mentioned that a certain constituent element is "connected" or "linked" to other constituent elements, it should be understood that the above-mentioned certain constituent element can be directly connected or connected to the above-mentioned other constituent elements, or can be connected in a new way. The other components are media connected or connected to the other components mentioned above.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In the accompanying drawings, the same or corresponding components are given the same reference symbols. In addition, in the description of the following embodiments, repeated description of the same or corresponding constituent elements may be omitted. However, even if the description of relevant constituent elements is omitted, it does not mean that such constituent elements are not included in a certain embodiment.

Figure 1 is a diagram illustrating a system 10 according to various embodiments of the present invention. Referring to FIG. 1 , the system 10 of various embodiments may include a terminal device 110 , a card reader 120 (card leader), a first server device 130 and a second server device 150 . The terminal device 110 can communicate with the card reader 120, the first server device 130 and the second server device 150 in a wired or wireless manner.

The terminal device 110 of various embodiments is a POS terminal device 110 (or POS terminal) that can uniformly manage sales-related data and collect customer information. The terminal device 110 may be, for example, a POS terminal device 110 installed in a store to manage sales of merchandise in the store. Users (eg, store clerks, franchise store owners, etc.) can use the terminal device 110 to generate and/or manage order information for specific products. For example, the user can generate order information by inputting a customer's order into the terminal device 110 . For example, when there is no user input, the terminal device 110 can also generate order information based on data received remotely. The user can confirm and manage at least one order information generated through the terminal device 110 . In this figure, the terminal device 110 is installed in a store as an example. However, in the case of an online store, it is of course not necessary to install it in a store.

According to various embodiments, the terminal device 110 can be communicatively connected with the card reader 120 and can utilize the card reader 120 to perform credit card settlement. For example, the terminal device 110 can communicate with the card reader 120 in a wired or wireless manner. In this figure, the terminal device 110 and the card reader 120 are shown as separate devices, but of course they can also be integrated into one device for implementation.

When a customer visiting a store uses the card reader 120 installed in the store to perform card settlement for a specific amount, the terminal device 110 may request the first server device 130 to approve the card settlement. The first server device 130 may be a server of a value added network (VAN) company, and may include at least one VAN company server device. According to various embodiments of the present invention, the system 10 of various embodiments may use credit card information to identify the corresponding customer and provide preferential information to the corresponding customer before requesting approval of card settlement. Thereafter, it can be determined whether to apply the offer information and request approval for card settlement. Specific descriptions of the above features are described below.

The first server device 130 of various embodiments can receive credit card information from the terminal device 110 . For example, when a user (eg, customer, employee) uses a credit card to settle a specific amount in the card reader 120 (eg, swipes, inserts or accesses the credit card into the card reader 120, or makes it located Near the card reader 120), the card reader 120 can transmit the read credit card information to the terminal device 110. The terminal device 110 can transmit the credit card information to the first server device 130 . According to an embodiment, the terminal device 110 can encrypt the credit card information and transmit it to the first server device 130 . Credit card information may include, for example, a 16-digit credit card number. The credit card information may further include, for example, the name or phone number of the customer who holds the credit card. According to various embodiments, credit cards include not only physical credit cards, but also cards implemented in software that can be stored in electronic devices (eg, smartphones).

The first server device 130 may use the received credit card information to obtain or confirm a unique identifier corresponding to the credit card information. The first server device 130 can input the credit card information into the encryption algorithm to obtain the unique identification code. For example, the first server device 130 may use a pepper solution to obtain the unique identification code corresponding to the credit card information. When using the pepper solution, multiple different unique identification codes corresponding to the information of multiple credit cards can be obtained. That is, in this case, each credit card information may have a separate unique identification code. Also, when using the pepper solution, if the same hash function and the same string are used, the same unique identification code can be obtained every time the same credit card information is entered. That is, if the same hash function and the same string are used, only one unique identification code can exist for one credit card information. When receiving the encrypted credit card information from the terminal device 110, the first server device 130 decrypts the encrypted credit card information and inputs it into the pepper solution, thereby obtaining the unique identification code corresponding to the credit card information. In addition to the pepper solution, various encryption algorithms can also be used.

The first server device 130 of various embodiments may transmit the unique identification code corresponding to the credit card information to the terminal device 110 . The terminal device 110 may transmit the received unique identification code to the second server device 150 . The second server device 150 can confirm the discount information corresponding to the received unique identification code. The second server device 150 can store various customer information corresponding to a plurality of unique identification codes. For example, the second server device 150 may store the customer's basic information and the customer's preferential information respectively corresponding to a plurality of unique identification codes. The second server device 150 may transmit the customer's preferential information corresponding to the received unique identification code to the terminal device 110 . That is, the second server device 150 can identify customers whose unique identification codes match, and provide the terminal device 110 with preferential information corresponding to the identified customers.

Offer information may include discount information or royalty information. The discount information may be, for example, discount coupons that the store can provide to identified customers. The royalty information may be, for example, the points or accumulated coupons that the store can accumulate for the identified customers. The customer's personal information is information that only needs to be entered once, and may include at least one of the customer's name, phone number, gender, and age. For example, the customer's personal information can be entered when registering (logging in) for the first time. For example, the terminal device 110 may receive basic information from the customer, and may transmit the basic information input by the customer to the second server device 150 . The second server device 150 can store basic information of customers.

The second server device 150 of various embodiments can also generate and store various statistical information based on the customer's basic information and the customer's credit card usage details. For example, the second server device 150 can generate statistical information on the number of times the customer visits each store, the average settlement amount, and the visit cycle based on the customer's basic information and credit card usage details. The second server device 150 can transmit customer visit statistical information including at least one of the number of times a customer visits the store, the average settlement amount, and the visit cycle to the terminal device 110 installed in the store. The second server device 150 of various embodiments can also generate visit statistical information of a plurality of customers in each store. The second server device 150 can transmit the visit statistical information of a plurality of customers in the store to the terminal device 110 installed in the store.

The second server device 150 of various embodiments can match multiple credit card information for a specific customer and store it. For example, when a specific customer uses multiple credit cards, the information of the multiple credit cards can be matched with the specific customer and stored. The second server device can use the name or phone number of the customer holding each credit card to identify whether it is the credit card of a certain customer and store it.

The terminal device 110 of various embodiments may determine whether to apply the customer's preferential information received from the second server device 150 based on user input. For example, the terminal device 110 can display the customer's preferential information received from the second server device 150 through the display 117 , and can receive user input to determine whether to apply the preferential information through the input device 119 . When the display 117 is a touch display, user input for determining whether to apply the above-mentioned preferential information can also be received through the display 117 . For example, the terminal device 110 may receive user input from the customer that is determined to apply preferential information, or may also receive user input that is determined not to apply preferential information.

The terminal device 110 of various embodiments may transmit an approval request reflecting the final settlement amount of the preferential information to the first server device 130. If the discount information is discount information, in response to determining that the discount information is applied, the final amount and the unique identification code for applying the discount information to the specific amount to be calculated can be transmitted to the first server device 130 . For example, when the amount that the customer needs to settle is 10,000 won, if a discount coupon of 2,000 won has been provided and the user has determined to use the discount coupon, the terminal device 110 can transmit the message to the first server device 130 The final settlement amount is 8,000 won and the unique identification code corresponding to the credit card information requires approval of the card settlement of 8,000 won.

If the discount information is royalty information, the specific amount to be calculated and the unique identification code can be transmitted to the first server device 130 in response to determining that the above royalty information is applied. In addition, the application's royalty information can be transmitted to the second server device 150 . For example, when the amount that the customer needs to settle is 10,000 won, if a cumulative coupon of 500 won has been provided and the use of the cumulative coupon has been determined, the terminal device 110 can transfer the settlement amount of 10,000 won and The unique identification code corresponding to the credit card information is transmitted to the first server device 130 to request approval of the card settlement of 10,000 won. Furthermore, by transmitting the applied 500 won accumulation coupon to the second server device 150, 500 won can be accumulated for the customer.

If the customer determines not to apply the discount information, the terminal device 110 may transmit the initial amount to be settled together with the unique identification code to the first server device 130 . That is, in this case, the terminal device 110 may request the first server device 130 to approve the credit card settlement of a specific amount that needs to be settled initially. In addition, the first server device 130 can store the data of the customer's unused promotional information.

The first server device 130 of various embodiments may request the card company server device 140 to approve card settlement in response to the card settlement approval request received from the terminal device 110 . The second server device 150 may be a server device operated by a credit card company. Card company server device 140 may determine whether to approve the card settlement approval request.

In this way, in order to obtain preferential information when settling a specific amount, customers do not need to enter personal information other than using a credit card to settle. From the store's perspective, there is no need to have additional hardware devices for this purpose.

FIG. 2 is a block diagram of a terminal device 110 according to various embodiments of the present invention. Referring to FIG. 2 , the terminal device 110 of various embodiments may include a processor 111 , a memory 113 , at least one communication circuit 115 , a display 117 and an input device 119 . Even if part of the components shown in FIG. 2 is omitted or replaced, it will not affect the implementation of the various embodiments disclosed herein.

According to various embodiments, the processor 111 may be configured to perform calculations or data processing related to control and/or communication of each component of the terminal device 110 . The processor 111 may be operatively connected to components of the terminal device 110, for example. The processor 111 can load commands or data received from other components of the terminal device 110 into the memory 113, process the commands or data stored in the memory 113, and store the result data. The memory 113 of various embodiments may store instructions for the operations of the processor 111 as described above.

According to various embodiments, at least one communication circuit 115 can establish a communication channel with an external electronic device and send and receive various data with the external device. According to various embodiments, at least one communication circuit 115 can be configured in the following manner: including a cellular communication module connected to a cellular network (for example: 3G (3rd Generation, third generation mobile communications), LTE (Long Term Evolution, Long Term Evolution) ), 5G (5th Generation, fifth generation mobile communications), Wibro (Wireless Broadband, wireless broadband) or Wimax (Worldwide Interoperability for Microwave Access, microwave access global interoperability)). According to various embodiments, at least one communication circuit 115 may include a short-range communication module to utilize short-range communication (eg, Wi-Fi (Wireless Fidelity, Wireless Fidelity), Bluetooth (Bluetooth), Bluetooth Low Energy (BLE, Bluetooth Low Energy)). energy), UWB (Ultra Wide Band, ultra-wideband)) to send and receive data with external electronic devices, but it is not limited to this. In this article, for convenience of explanation, "at least one communication circuit" is described as "communication circuit", but the communication circuit described in this article refers to at least one communication circuit.

According to various embodiments, the display 117 may display various images based on the control of the processor 111 . The display 117 can be implemented in the form of a touch sensor panel (TSP) that can recognize contact or proximity (eg, hovering) of various external objects. The display 117 may include electrostatic capacitance sensors to sense contact or proximity of various external objects. The electrostatic capacitance sensor may include a plurality of capacitors (capacitors), and the electrostatic capacitance sensor may apply an electrical signal to the capacitors. The capacitor can be charged and discharged in response to the application of an electrical signal. If an electrical signal is applied to the capacitor, the capacitor can be charged according to the voltage of the electrical signal. The display 117 may receive touch input based on signals collected by the electrostatic capacitance sensor.

The input device 119 of various embodiments may receive commands or data for use with components of the terminal device 110 from outside the terminal device 110 (eg, a user). The input device 119 may include, for example, a microphone, a mouse, or a keyboard.

Figure 3 is an operation flow chart of the system 10 according to various embodiments of the present invention. Referring to the action flowchart 300, in action 301, the card reader 120 of various embodiments may transmit credit card information to the terminal device 110. For example, when a user (eg, a customer or store clerk) uses a credit card to settle a specific amount to the card reader 120, the card reader 120 can read the credit card information. The card reader 120 can transmit the read credit card information to the terminal device 110 connected through communication. The terminal device 110 and the card reader 120 can be communicated and connected in a wired or wireless manner, and can be implemented as one device.

In action 303, the terminal device 110 of various embodiments may transmit the credit card information to the first server device 130. For example, the terminal device 110 may transmit the credit card information to the first server device 130 to confirm the discount information before transmitting the card settlement approval request. According to an embodiment, the terminal device 110 can encrypt the credit card information and transmit it to the first server device 130 . The credit card information may include a 16-digit credit card number. In this case, the terminal device 110 may encrypt the credit card number and transmit it to the first server device 130 . The credit card information may further include, for example, the name or phone number of the customer who holds the credit card. The first server device 130 may be, for example, a server device of a value-added Internet company.

In action 305, the first server device 130 of various embodiments may obtain the unique identification code corresponding to the credit card information. The first server device 130 can input the credit card information into the encryption algorithm to obtain the unique identification code. The encryption algorithm may be, for example, pepper solution. If the encrypted credit card information is received from the terminal device 110, the first server device 130 can decrypt the encrypted credit card information to obtain the credit card information, and input the credit card information into the encryption algorithm. According to an embodiment, the first server device 130 may also store the received credit card information.

In action 307, the first server device 130 of various embodiments may transmit the unique identification code to the terminal device 110. In action 309, the terminal device 110 of various embodiments may input the unique identification code received from the first server device 130 to the second server device 150.

In action 311, the second server device 150 of various embodiments may identify customer information corresponding to the received identifier. The second server device 150 can store the information of a plurality of customers and the preferential information respectively corresponding to the information of the plurality of customers. The second server device 150 can store unique identification codes respectively corresponding to a plurality of customer information. Therefore, the second server device 150 can only use the unique identification code corresponding to the credit card information to identify the corresponding customer.

In action 313, the second server device 150 of various embodiments may confirm customer discount information corresponding to the identified customer information. The preferential information may include, for example, discount information or royalty information.

In action 315, the second server device 150 of various embodiments may transmit the confirmed discount information to the terminal device 110. In action 317, the terminal device 110 of various embodiments may determine whether to apply the promotional information based on the user input. The user can choose whether to apply the preferential information through the display 117 or the input device 119 of the terminal device 110 . For example, the user can determine whether to apply the preferential information or not to apply the preferential information. For example, when the discount information is discount information (for example, a discount coupon), the user may determine that the discount information is applied.

In action 319, the terminal device 110 of various embodiments may transmit the final settlement amount and the unique identification code to the first server device 130. The terminal device 110 may request the first server device 130 to approve the credit card settlement of the final settlement amount reflecting whether to apply the preferential information. The terminal device 110 may transmit the final settlement amount reflecting the discount information and the unique identification code corresponding to the credit card information to the first server device 130 .

The first server device 130 of various embodiments may transmit the credit card approval request to the card company server device 140 . The first server device 130 may request the card company server device 140 to approve the credit card settlement of the final settlement amount reflecting whether to apply the preferential information.

FIG. 4 is an operation flow chart of the terminal device 110 according to various embodiments of the present invention. Referring to the action flowchart 400, in action 410, the processor 111 of the terminal device 110 of various embodiments may receive credit card information for settling a specific amount from the card reader 120 communicatively connected to the terminal device 110.

In action 420 , the processor 111 of various embodiments may transmit the credit card information to the first server device 130 . For example, the processor 111 may encrypt the 16-digit credit card number and transmit it to the first server device 130 .

In action 430, the processor 111 of various embodiments may receive the unique identification code corresponding to the credit card information from the first server device 130. The unique identifier can be a hash value obtained by inputting the credit card information into an encryption algorithm.

In action 440, the processor 111 of various embodiments may transmit the received unique identification code to the second server device 150. In action 450, the processor 111 of various embodiments may receive the customer's discount information corresponding to the unique identification code from the second server device 150. The second server device 150 can identify the customer's information that matches the unique identification code, and confirm that the preferential information corresponding to the identified customer's information is transmitted to the terminal device 110 .

In act 460, the processor 111 of various embodiments may determine whether to apply the offer information based on the user input. The processor 111 may receive user input to select whether to apply the offer information via the display 117 or the input device 119 . The processor 111 may determine whether to apply the preferential information based on the above user input.

FIG. 5 is an operation flow chart of the terminal device 110 according to various embodiments of the present invention. Duplicate contents with those explained in Fig. 4 are omitted. Referring to the action flowchart 500, in action 510, the processor 111 of the terminal device 110 of various embodiments may receive credit card information for settling a specific amount from the card reader 120.

In action 520, the processor 111 of various embodiments may transmit the credit card information to the first server device 130, and receive the unique identification code corresponding to the credit card information from the first server device 130.

In action 530, the processor 111 of various embodiments may transmit the unique identification code to the second server device 150, and receive the customer's preferential information corresponding to the unique identification code from the second server device 150.

In act 540, the processor 111 of various embodiments may determine whether to apply the received promotional information based on the user input.

When it is determined that the preferential information is not applied, the step proceeds to action 580 (540-NO), so that the processor 111 can request approval of card settlement of a specific amount. That is, the processor 111 may request approval of a card settlement for a specific amount to be initially settled. To this end, the processor 111 may transmit the specific amount and the unique identification code corresponding to the credit card information to the first server device 130 . For example, in the case where the initial amount to be settled is 10,000 won, approval of the card settlement of 10,000 won may be requested in response to the determination that the discount information does not apply.

When it is determined that the preferential information is applied, step to action 550 (540-YES). In action 550, the processor 111 may confirm the type of promotional information.

When the discount information is discount information, the processor 111 may step to action 560 (550 - discount information) to request approval of the card settlement of the final settlement amount applying the discount information in a specific amount. To this end, the processor 111 may transmit the final settlement amount of the applied discount information in the specific amount and the unique identification code corresponding to the credit card information to the first server device 130 . For example, when the initial amount to be settled is 10,000 won and the discount information is a coupon with a discount of 2,000 won, the processor 111 may request approval of a card settlement of 8,000 won.

When the discount information is royalty information, the processor 111 may step to action 570 (550-royalty information) to transmit the application's royalty information to the second server device 150. In act 580, the processor 111 may request approval of a card settlement for a specific amount. The processor 111 may transmit the specific amount and the unique identification code corresponding to the credit card information to the first server device 130 . For example, when the initial amount to be settled is 10,000 won and the royalty information is the accumulated coupons of 1,000 won, you can request approval of the card settlement of 10,000 won, and the accumulated royalty information of 1,000 won can be transmitted to the second party Server device 150. In this case, the second server device 150 may store the situation that the customer's accumulated amount is 2,000 won.

FIG. 6 is an operation flow chart of the second server device 150 according to various embodiments of the present invention. Referring to the action flowchart 600, in action 610, the second server device 150 of various embodiments may receive the unique identification code from the terminal device 110.

In action 620, the second server device 150 of various embodiments may identify customer information corresponding to the unique identification code. The second server device 150 can store information of multiple customers. The second server device 150 can store unique identification codes respectively corresponding to the information of a plurality of customers. Therefore, the second server device 150 can only use the unique identification code information corresponding to the credit card information to identify the customer.

In action 630, the second server device 150 of various embodiments may confirm the customer's discount information corresponding to the identified customer information. The second server device 150 can store discount information corresponding to a plurality of customer information. Therefore, the second server device 150 can confirm the customer's discount information corresponding to the customer information identified based on the unique identification code.

In action 640, the second server device 150 of various embodiments may transmit the confirmed discount information to the terminal device 110. Although not shown in the figure, the second server device 150 can further transmit statistical information about customers' visits to the store. The customer's visit statistical information may include, for example, at least one of the customer's number of visits, average settlement amount, and visit cycle. The second server device 150 can also transmit access statistics information of a plurality of customers.

In the flowcharts shown in Figures 3 to 6, the process steps, method steps, algorithms, etc. are described in sequence, but these processes, methods, and algorithms can be configured to operate in any suitable order. . In other words, the steps of the processes, methods and algorithms described in the various embodiments of the present invention do not need to be executed in the order described in the present invention. Furthermore, even if a part of the steps is described as being executed asynchronously, in other embodiments, such part of the steps may be executed simultaneously. In addition, the examples of the processes described in the figures do not mean to exclude other changes and modifications of the illustrated processes, nor does it mean that any of the illustrated processes or steps thereof are among the various embodiments of the present invention. More than one embodiment is required and does not mean that the illustrated process is the better one.

The above method has been described with reference to specific embodiments, but the above method may also be implemented as a computer-readable code in a computer-readable recording medium. Computer-readable recording media include all types of recording devices that store computer-readable data. Examples of recording media that can be read by a computer include ROM (Read Only Memory), RAM (Random Access Memory), and CD-ROM (Compact Disc-Read Only Memory). -read-only memory), tapes, floppy disks, optical data storage devices, etc. In addition, computer-readable recording media are distributed in computer systems connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. Moreover, the functional programs, codes and code segments used to implement the above embodiments can be easily deduced by programmers in the technical field to which the present invention belongs.

10:System 110:Terminal device 111: Processor 113:Memory 115: Communication circuit 117:Display 119:Input device 120:Card reader 130: 1st server device 140: Card company server installation 150: 1st server device 300: Action flow chart 301:Action 303:Action 305:Action 307:Action 309:Action 311:Action 313:Action 315:Action 317:Action 319:Action 321:Action 400: Action flow chart 410:Action 420:Action 430:Action 440:Action 450:Action 460:Action 500:Action flow chart 510:Action 520:Action 530:Action 540:Action 550:Action 560:Action 570:Action 580:Action 600: Action flow chart 610:Action 620:Action 630:Action 640:Action

Figure 1 is a system diagram illustrating various embodiments of the present invention. FIG. 2 is a block diagram showing a terminal device according to various embodiments of the present invention. Figure 3 is an operation flow chart of the system according to various embodiments of the present invention. FIG. 4 is an operation flow chart of terminal devices according to various embodiments of the present invention. FIG. 5 is an operation flow chart of terminal devices according to various embodiments of the present invention. FIG. 6 is an operation flow chart of the second server device according to various embodiments of the present invention.

10:System

110:Terminal device

120:Card reader

130: 1st server device

140: Card company server installation

150:Second server device

Claims (20)

A terminal device including: At least one communication circuit communicatively connected with the card reader, the first server device and the second server device; memory; and processor; and The above processor is structured as follows: Receive credit card information for settling a specific amount from the above-mentioned card reader, Transmit the above credit card information to the above first server device, Receive the unique identification code corresponding to the information of the above-mentioned credit card from the above-mentioned first server device, transmit the above-mentioned unique identification code to the above-mentioned second server device, Receive from the above-mentioned second server device the discount information of the customer corresponding to the above-mentioned unique identification code, Determine whether to apply the above promotion information based on user input. For example, the terminal device of request item 1, wherein the above-mentioned preferential information includes discount information, The above processor is structured as follows: In response to determining that the discount information is applied, the discount information is applied to the final settlement amount of the specific amount and the unique identification code is transmitted to the first server device. For example, the terminal device of claim 1, wherein the above-mentioned preferential information includes royalty information, The above processor is structured as follows: In response to determining that the above royalty information is applied, the above specific amount and the above unique identification code are transmitted to the above first server device, Transmit the above-mentioned royalty information of the application to the above-mentioned second server device. For example, the terminal device of request item 1, wherein the credit card information includes a 16-digit credit card number, The processor is configured to encrypt the credit card number and transmit it to the first server device. The terminal device of claim 1, wherein the unique identification code is data obtained by using an encryption algorithm to obtain the information of the credit card. The terminal device of claim 1, wherein the first server device includes at least one value-added network company server device. As in the terminal device of claim 1, the above-mentioned processor is configured in the following manner: Before receiving the information of the above-mentioned credit card, the basic information of the above-mentioned customer holding the above-mentioned credit card is transmitted to the above-mentioned second server device. Such as the terminal device of claim 7, wherein the basic information of the above-mentioned customer includes at least one of the above-mentioned customer's name, phone number, gender and age. Such as the terminal device of claim 7, wherein the above-mentioned processor is configured in the following manner: The access statistical information of the above-mentioned customer including at least one of the number of visits of the above-mentioned customer, the average settlement amount and the visit cycle is further received from the above-mentioned second server device. The terminal device of claim 9, wherein the processor is configured to receive access statistics information of a plurality of customers from the second server device. A method that uses the credit card information of the terminal device to provide preferential information to customers, which includes: The action of receiving credit card information for settling a specific amount from the card reader; The action of transmitting the above credit card information to the first server device; The action of receiving the unique identification code corresponding to the information of the above-mentioned credit card from the above-mentioned first server device; The action of transmitting the above-mentioned unique identification code to the second server device; The action of receiving from the above-mentioned second server device the preferential information of the customer corresponding to the above-mentioned unique identification code; and An action based on user input to determine whether to apply the above promotional information. For example, request the method of item 11, wherein the above-mentioned preferential information includes discount information, The above methods include the following actions: In response to determining that the discount information is applied, the discount information is applied to the final settlement amount of the specific amount and the unique identification code is transmitted to the first server device. Such as requesting the method of item 11, wherein the above-mentioned preferential information includes royalty information, The above methods include: In response to determining that the above royalty information is applied, the action of transmitting the above specific amount and the above unique identification code to the above first server device; and The action of transmitting the above-mentioned royalty information of the application to the above-mentioned second server device. Such as requesting the method of item 11, wherein the above credit card information includes a 16-digit credit card number, The act of transmitting the above-mentioned credit card information to the above-mentioned first server device is the act of encrypting the above-mentioned credit card number and transmitting it to the above-mentioned first server device. The method of claim 11, wherein the unique identification code is data obtained by using an encryption algorithm to obtain the information of the credit card. The method of claim 11, wherein the first server device includes at least one value-added network company server device. The method of claim 11 includes, before the action of receiving the information of the above-mentioned credit card, the action of transmitting the basic information of the above-mentioned customer holding the above-mentioned credit card to the above-mentioned second server device. Such as the method of claim 17, wherein the basic information of the above-mentioned customer includes at least one of the above-mentioned customer's name, phone number, gender and age. Such as the method of claim 17, which further includes the following steps: Receive from the above-mentioned second server device the access statistical information of the above-mentioned customer including at least one of the number of visits of the above-mentioned customer, the average settlement amount and the access period. The method of claim 19 further includes the action of receiving access statistics information of a plurality of customers from the above-mentioned second server device.