WO2017222172A1 - Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte - Google Patents

Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte Download PDF

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Publication number
WO2017222172A1
WO2017222172A1 PCT/KR2017/004909 KR2017004909W WO2017222172A1 WO 2017222172 A1 WO2017222172 A1 WO 2017222172A1 KR 2017004909 W KR2017004909 W KR 2017004909W WO 2017222172 A1 WO2017222172 A1 WO 2017222172A1
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WIPO (PCT)
Prior art keywords
card
information
mobile coupon
condition
coupon
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PCT/KR2017/004909
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English (en)
Korean (ko)
Inventor
이성호
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비씨카드(주)
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Publication of WO2017222172A1 publication Critical patent/WO2017222172A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method and a server for providing a mobile coupon service according to the card usage history, and more specifically, a card company with reference to the user's card usage history, the mobile coupon to the user according to the preset mobile coupon issuance conditions
  • the present invention relates to a method and a server for promoting an active alliance model between a mobile coupon company and a card company having various affiliates by guiding, issuing, and processing sales cancellation associated with the mobile coupon.
  • card companies provide users with discount coupons for various products and services sold by their affiliates, thereby encouraging users to use their cards when visiting and paying for each affiliate.
  • Korean Patent Laid-Open Publication No. 10-2013-0075042 discloses that when a user makes a payment using a card, the relevant coupon-related information is transmitted to the user terminal. However, the user visits the affiliated store and attempts to make a payment. As a process to be performed later, there is still a problem that the user cannot easily check the coupon in advance or use the coupon immediately, and thus, the effect of increasing sales of merchants is also not significant.
  • the card company not only provides discount coupons under certain conditions, but also provides incentives to maintain or increase the performance of the card issued to the user by issuing discount coupons to all unspecified users who have issued the card. There are also problems that are difficult to do.
  • the present invention is to solve the above-mentioned problems of the prior art, by providing an active alliance model between the mobile coupon company and the card company having a variety of partnerships, so that the card company can issue a mobile coupon to the user according to a predetermined condition It aims to increase the profits of the card company by providing the incentive for the user to maintain or increase the performance of the card.
  • the card company transmits the mobile coupon issuance information and a ready-to-use mobile coupon to the user terminal, so that the user can advance the issuance information of the coupon.
  • the object of the present invention is to improve user convenience and increase sales of affiliated stores.
  • a method for the card company server to provide a mobile coupon service to the user according to the user's card usage history (a) the user's card usage history When a condition 1 is met, transmitting a message to a user terminal informing of issuance schedule information of the mobile coupon; And (b) issuing the mobile coupon or processing a mobile coupon company server to issue the mobile coupon when the card usage history of the user satisfies a second condition. Is provided.
  • matching the coupon information of the mobile coupon received from the mobile coupon company server for each card product, and setting the issuing condition of the matched mobile coupon to the second condition may further include. have.
  • step (b) when receiving a request to cancel the card payment included in the card usage history, determining whether the card payment cancellation is possible, further comprising the step of processing the card payment cancellation request; Can be.
  • Whether the card payment can be canceled may be whether the remaining card usage history except for the canceled card usage history of the user's card usage history satisfies the second condition.
  • the first condition is a condition in which the second condition is achieved by a predetermined ratio or more, and the second condition is a time condition such as a day, a month, a quarter, a year, a payment amount condition, a payment place condition, a merchant condition, a product condition, and the like. It may include at least one of a service condition, a service condition, and a number of issue conditions.
  • the card usage history of the user may be at least part of time information, place information, payment amount information, payment merchant information, payment product information, and payment service information using the card.
  • the issue schedule information of the mobile coupon may include at least one of applicable merchant information, applicable product information, discount amount information, usage count information, and the second condition information of the mobile coupon.
  • identification data including one or more of identification code information, barcode information, QR code information, available period information of the mobile coupon, and immediately the coupon information and the identification data of the mobile coupon
  • the image data may be processed into usable image data and transmitted to the user terminal.
  • the card company server that provides the mobile coupon service to the user in accordance with the user's card usage history, the user's card usage history to meet the first condition
  • a message is sent to the user terminal to inform the mobile terminal issuing schedule information, and when the user's card use history satisfies a second condition, the mobile coupon is issued or the mobile coupon company server to the mobile coupon company
  • a card company server including a coupon issuing processing unit for processing to issue.
  • the card company server may include a coupon information management unit that matches coupon information of the mobile coupon received from the mobile coupon company server for each card product and sets the issuing condition of the matched mobile coupon as the second condition.
  • the card company server may include a card payment processing unit configured to process the card payment cancellation request by determining whether the card payment cancellation is possible when receiving a request to cancel the card payment included in the card usage history. .
  • the card usage history of the user except for the cancellation request card usage history may correspond to whether the second condition is satisfied.
  • the first condition is a condition in which the second condition is achieved by a predetermined ratio or more, and the second condition is a time condition such as a day, a month, a quarter, a year, a payment amount condition, a payment place condition, a merchant condition, a product condition, and the like. It may include at least one of a service condition, a service condition, and a number of issue conditions.
  • the card usage history of the user may be at least part of time information, place information, payment amount information, payment merchant information, payment product information, and payment service information using the card.
  • the issue schedule information of the mobile coupon may include at least one of applicable merchant information, applicable product information, discount amount information, usage count information, and the second condition information of the mobile coupon.
  • identification data including one or more of identification code information, barcode information, QR code information, available period information of the mobile coupon, and immediately the coupon information and the identification data of the mobile coupon
  • the image data may be processed into usable image data and transmitted to the user terminal.
  • the card company can issue a mobile coupon to the user according to a predetermined condition, the user of the card
  • incentives to maintain or increase performance card companies can increase their profits.
  • the card company when the card usage history of the user satisfies a predetermined condition or more than a predetermined ratio, the card company to send the mobile coupon issuance information and the immediately available form of the mobile coupon to the user terminal
  • the card company to send the mobile coupon issuance information and the immediately available form of the mobile coupon to the user terminal
  • FIG. 1 is a block diagram of a mobile coupon service providing system according to an embodiment of the present invention.
  • FIG. 2 is a diagram showing the configuration of a card company server according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a mobile coupon issuing process according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a mobile coupon payment cancellation process according to an embodiment of the present invention.
  • card is preferably understood to mean all cards that can be issued by a card company such as a credit card, check card, debit card, membership card, and the like.
  • FIG. 1 is a block diagram of a mobile coupon service providing system according to an embodiment of the present invention.
  • a mobile coupon service providing system may include a user terminal 100, a card company server 200, a mobile coupon company server 300, and a payment terminal 400.
  • a communication network can be configured without regard to its communication aspects such as wired and wireless.
  • Local area network LAN
  • metropolitan area network MAN: Metropolitan Area Network
  • WAN wide area network
  • the user terminal 100 may be connected to an external server such as a card company server 200 and a mobile coupon company server 300 through a network such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, or the like. It can be connected and include all kinds of handheld based wireless communication devices, and in addition, card company server 200 over a network, such as an IPTV including a desktop PC, a tablet PC, a laptop PC, and a set-top box. And a communication device that can be connected to an external server such as a mobile coupon company server 300.
  • a network such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, or the like. It can be connected and include all kinds of handheld based wireless communication devices, and in addition, card company server 200 over a network, such as an IPTV including a desktop PC, a tablet PC, a laptop PC, and a set-top box. And
  • the user terminal 100 may have a mobile coupon service application that provides a mobile coupon service to the user.
  • the application management server (not shown) may provide an application store for distributing various applications.
  • a service provider providing a mobile coupon service registers a mobile coupon service application in an application store
  • the mobile coupon service application registered in the application store may be installed in the memory.
  • the mobile coupon service application is a program module that can communicate with an external server and an external device, and can be included in the user terminal 100 or another device that can communicate with it in the form of an operating system, an application module, and other program modules. It can be stored on various known storage devices.
  • program modules include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.
  • the card company server 200 may be a server operated by a card company that provides various services related to card payment to a user who has issued a card.
  • the card company server 200 may receive and store coupon information of various mobile coupons issued by the mobile coupon company from the mobile coupon company server 300.
  • the coupon information may include one or more of the mobile coupon number information, applicable merchant information, applicable product information, discount amount information, number of times of use and the like.
  • the card company server 200 may match one or more mobile coupons for each card product provided by the card company, and set a condition under which the matched mobile coupon is issued to a user as a second condition.
  • the second condition for each card is a time condition which is a condition related to the time when the mobile coupon is issued, such as a day, month, quarter, year, etc., a payment amount condition which is a condition related to the total accumulated amount of the card usage history in which the mobile coupon is issued, Place of payment, which is a condition related to the place where payment was made using the card, Merchant condition, which is a condition related to the merchant paying using the card, Product condition, which is a condition related to the items of goods paid using the card, It may also include a service condition, which is a condition related to a service item paid using, and an issue number condition, which is a condition related to the total number of times that a mobile coupon can be issued within the issuance period, or the like.
  • the card company server 200 may set a condition in which the user's card usage history achieves the preset second condition by a predetermined ratio or more as a first condition. Accordingly, the user's card usage history is set by the first condition.
  • the message for guiding the issuance schedule information of the mobile coupon may be transmitted to the user terminal 100.
  • the card company server 200 when the card usage history of the user satisfies the second condition, the card company server 200 generates a corresponding mobile coupon and processes it into a form immediately available to the user such as image data.
  • a signal for requesting transmission to 100 may be transmitted to the mobile coupon company server 300.
  • the card company server 200 may directly perform the processing and transmission process after generating the mobile coupon described above.
  • the card company server 200 when the user attempts to pay the card using the mobile coupon issued to him, the approval process, may use the mobile coupon used completion processing.
  • the card company server 200 when the user attempts to cancel the card payment, analyzes the user's card usage history within a certain period according to the second condition of the mobile coupon issued to the user It is possible to determine whether the payment cancellation is approved, and accordingly, the user wants to cancel the sales can be canceled approval processing or unauthorized processing.
  • the mobile coupon company server 300 may be a server operated by a mobile coupon company that generates and issues mobile coupons for various goods and services sold by affiliates and affiliates of card companies thereof.
  • the mobile coupon company server 300 may transmit the coupon information of various mobile coupons issued by the mobile coupon company to the card company server 200.
  • the mobile coupon company server 300 may receive a mobile coupon issuance request signal for a specific user from the card company server 200, wherein the mobile coupon issuance request signal is the contact information of the user and the mobile coupon of the issuance request It may include coupon information.
  • the mobile coupon company server 300 generates at least one identification data such as identification code information, barcode information, QR code information, available period information, etc. of the mobile coupon to generate the mobile coupon requested to be issued. Can be.
  • the mobile coupon company server 300 may generate a mobile coupon in a form immediately available to a user such as image data based on the mobile coupon issuance request and identification data.
  • the mobile coupon company server 300 may transmit a message including the generated mobile coupon to the user terminal 100.
  • the payment terminal 400 may be a terminal installed at a card company and capable of transmitting and receiving signals related to card payment.
  • the payment terminal 400 may be provided with a communication device capable of communicating with an external server and an external device, thereby communicating with the card company server 200.
  • the payment terminal 400 may be connected to a card reader through which a card is scanned, and recognizes a magnetic stripe or an integrated circuit chip in the card through the card reader.
  • Card information such as the scanned card number, expiration date, CVC number, etc. can be collected.
  • the payment terminal 400 may be connected to the sensor module that can recognize a barcode or QR code, by recognizing the barcode or QR code of the mobile coupon displayed on the user terminal 100 through the sensor module, The signal requesting the use of the coupon may be transmitted to the card company server 200.
  • FIG. 2 is a diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.
  • the card company server 200 is a database 210, coupon information management unit 220, coupon issue processing unit 230, card payment processing unit 240, the control unit 250 And a communication unit 260.
  • the database 210 may store information related to a user who has issued a card company's card and coupon information received from the mobile coupon company server 300.
  • the user-related information may include personal information of the user and information using the card payment related service of the card company.
  • the user's name, contact information, address, email address, card usage history information, holding coupon information, and the like may be included in one or more days.
  • coupon information may include information of the mobile coupon issued by the mobile coupon company in connection with various products and services sold by affiliates and affiliates of the card company.
  • the number information for identifying the type of each mobile coupon, the merchant information that can use the mobile coupon, the product information provided or discounted through the mobile coupon, the amount information discounted through the mobile coupon, the mobile coupon It can include more than the total number of times available.
  • coupon information may be received in real time, and thus coupon information stored in the database 210 may also be updated in real time.
  • the coupon information management unit 220 may receive and store coupon information of various mobile coupons from the mobile coupon company server 300, and set a condition for issuing a matched mobile coupon after matching each card product provided by the card company.
  • the coupon information management unit 220 may receive the coupon information of the mobile coupon associated with the affiliates of the mobile coupon company from the mobile coupon company server 300, and may store it in the database 210.
  • coupon information management unit 220 may transmit the name, business information, sales product information, etc. of each affiliate store to the mobile coupon company server 300 in relation to the affiliates of the card company, accordingly each affiliate store Coupon information on the goods and services to sell may be received and stored.
  • the coupon information manager 220 may match the coupon information for each type of card goods issued to a user by a card company for one or more days, so that the user can designate a type of mobile coupon that can be provided as the user uses each card for each product type. have.
  • the coupon information management unit 220 issues a second condition, which is a condition for issuing a corresponding mobile coupon for each mobile coupon matched with the card product, for a time condition, a payment amount condition, a payment place condition, a merchant condition, a product condition service condition, and issuance. Can be set as the number of conditions.
  • the coupon information management unit 220 is a time issue condition that each mobile coupon can be issued, that is, the user based on the specific use history of the card in order to receive each mobile coupon You can set the deadline to be met, such as days, months, quarters, and years.
  • the coupon information manager 220 may set the issuance time condition for which a specific mobile coupon is issued to a branch. Accordingly, when the user has used the card corresponding to the mobile coupon within each branch satisfies the second condition other than the time condition, the mobile coupon may be issued.
  • the coupon information management unit 220 the payment amount condition that each mobile coupon can be issued, that is, the user must achieve within the issuance time of the corresponding mobile coupon in order to receive each mobile coupon You can set the amount of credit card use.
  • the coupon information management unit 220 may set the amount of money condition that can be issued a specific mobile coupon to 1 million won, the preset issue time conditions of the mobile coupon may be a branch condition. Accordingly, the user can be issued the mobile coupon when the user achieves the amount of use of the card by one million won in each quarter.
  • the coupon information management unit 220 is the maximum number of conditions that can be issued for each mobile coupon, that is, the user can be issued a corresponding mobile coupon within a predetermined issue time for each mobile coupon You can set the number of times.
  • the coupon information management unit 220 may set the number of issuance conditions that can be issued a specific mobile coupon three times, wherein the predetermined issue time conditions of the mobile coupon may be a branch condition. Accordingly, the user may be issued the mobile coupon up to three times in each quarter.
  • the coupon information management unit 220 is a payment place condition that is a condition that specifies the place to pay using the card, merchant conditions that specify the merchant to pay using the card, payment using the card
  • a product condition which is a condition for designating a product item
  • a service condition which is a condition for designating a service item to be paid using a corresponding card
  • the coupon issuing processor 230 may analyze the card usage history information of the user and process the mobile coupon matched for each card to be issued to the user according to the second condition set through the coupon information manager 220.
  • the coupon issuing processor 230 may check the user's card usage history through the database 210, based on the time information, place information, payment amount information, By checking payment merchant information, payment product information, payment service information, and the like, the card usage history of the user may be analyzed.
  • the coupon issuing processor 230 issuing the mobile coupon to determine whether the user's card use history satisfies the second condition that is the issuance condition of the mobile coupon matched with the card. It is possible to extract the card usage history of the user corresponding to the time.
  • the coupon issuing processor 230 may check whether the user's use of the card within the issuance time of the mobile coupon satisfies the second condition of the mobile coupon.
  • the coupon issuance processing unit 230 when the user's card usage history meets the second condition of the mobile coupon more than a certain ratio, that is, when the predetermined first condition is satisfied, A message guiding the issuance schedule information of the mobile coupon may be transmitted to the user terminal 100.
  • the payment amount condition may be set to 1 million won as a second condition of a specific mobile coupon, and the total amount paid by the user using a card may be 900,000 won.
  • the coupon issuing processor 230 confirms that the user has satisfied the payment amount condition of the mobile coupon more than 90%, the coupon information of the mobile coupon and the second condition information for the mobile coupon can be issued.
  • the guide message may be transmitted to the user terminal 100.
  • the coupon issuing processor 230 may support the user to know and smoothly use the issue information of the mobile coupon in advance, and may provide the user with an incentive to maintain or increase the performance of the card.
  • the coupon issuing processor 230 may transmit a signal requesting the user to issue the mobile coupon to the mobile coupon company server ( 300).
  • the mobile coupon issuance request may include the user's contact information and coupon information of the corresponding mobile coupon.
  • the coupon issuing processing unit 230 when the number of times the mobile coupon is issued to the user within the issuing time is less than a predetermined number of conditions, the mobile coupon issuing request signal to the mobile coupon company server ( 300).
  • the mobile coupon company server 300 receiving the mobile coupon issuance request signal may generate an identification code of the mobile coupon to issue the mobile coupon, a barcode or QR code to recognize the information of the mobile coupon You can also create
  • the mobile coupon company server 300 may set the available period of the mobile coupon based on the time when the mobile coupon issue request signal is received.
  • the mobile coupon company server 300 may collect coupon information, identification code information, barcode information, QR code information and available period information of the mobile coupon for one or more days and process the data into an image form.
  • the message including the mobile coupon in the form may be transmitted to the user terminal 100.
  • the coupon issuing processor 230 may directly perform a series of processes for generating, processing, and transmitting the aforementioned mobile coupon to the user terminal 100.
  • the mobile coupon may be used more conveniently.
  • the coupon issuing processor 230 may receive a signal from which the mobile coupon is issued from the mobile coupon company server 300, or process itself is completed, the information of the mobile coupon issuance is completed As stored in the database 210 may be included in the coupon information of the user.
  • the card payment processing unit 240 may perform a process of processing a user's card payment approval request and cancellation request related to the mobile coupon.
  • the user presents a mobile coupon displayed on the screen of the user terminal 100 to the employee of the affiliated store, the employee of the affiliated store to the payment terminal 400 installed in the affiliated store recognizes the barcode or QR code of the mobile coupon As a result, a signal for requesting the use of the mobile coupon through the payment terminal 400 may be transmitted to the card payment processing unit 240.
  • the mobile coupon use request may include one or more coupon information, identification code information, and available period information of the mobile coupon.
  • the card payment processing unit 240 may transmit a signal requesting the card information corresponding to the mobile coupon to the payment terminal 400, and pays for the information recognized by the card reader through the card reader. As received from the terminal 400, the identity verification of the user who wants to use the mobile coupon may be performed.
  • the card payment processing unit 240 requests a portion of the contact information of the user who holds the mobile coupon to the payment terminal 400, and, upon receipt, the user of the user who wants to use the mobile coupon. You can also perform a verification procedure.
  • the card payment processing unit 240 may approve the received mobile coupon use request and change the mobile coupon to a use completion state to prevent duplicate use of the mobile coupon later.
  • the card payment processing unit 240 when the user receives a card payment request that does not use the mobile coupon, refer to the coupon information of the user holding the payment request card issued by the user Thus, the user can check whether there is a mobile coupon available at the time of the requested card payment.
  • the card payment processing unit 240 may be displayed on the screen of the payment terminal 400 by transmitting the information of the available mobile coupon to the payment terminal 400 of the merchant. .
  • the user may be able to check the information of the available mobile coupon, and the user may immediately use the mobile coupon by informing the employee of the affiliated store of the use of the confirmed mobile coupon.
  • the card payment processing unit 240 is a mobile coupon service application installed in the payment terminal 400 or the user terminal 100 of the merchant where the card payment was performed to request a signal to cancel the card payment already approved processing Can be received from.
  • the card payment processing unit 240 may check the user's holding coupon information corresponding to the card payment through the database 210.
  • the card payment processing unit 240 may immediately process the card payment cancellation request.
  • the card payment processing unit 240 may extract and analyze the user's card usage history corresponding to the issue time of the issued mobile coupon. have.
  • the card payment processing unit 240 excludes the card usage history corresponding to the cancellation request from the card usage history within the issuance time of the mobile coupon extracted through the coupon issuing processing unit 230, and then uses the remaining cards. It may be determined whether the details satisfy the second condition in which the mobile coupon is issued.
  • the card payment processing unit 240 may approve the received card payment cancellation request, and if not, cancel the card payment.
  • the request may be disapproved.
  • the card payment processor 240 may check whether the issued mobile coupon is used or not when the mobile coupon is issued to the user.
  • the card payment processing unit 240 after the approval processing of the card payment cancellation request, and transmits a signal requesting the cancellation of the mobile coupon to the mobile coupon company server 300,
  • the mobile coupon may be converted into an unusable state.
  • the card payment processor 240 may transmit a message for guiding cancellation of the mobile coupon to the user terminal 100.
  • the control unit 250 performs a function of controlling the flow of data between the database 210, the coupon information management unit 220, the coupon issuing processor 230, the card payment processing unit 240, and the communication unit 260. can do. That is, the controller 250 according to the present invention controls the database 210, the coupon information manager 220, the coupon issue processor 230, the card payment processor 240, and the communicator 260 to perform unique functions, respectively. can do.
  • the communication unit 260 enables communication between the card company server 200, an external server, and an external device.
  • the card company server 200 enables communication with the user terminal 100, the mobile coupon company server 300, and the payment terminal 400.
  • FIG. 3 is a diagram illustrating a mobile coupon issuing process according to an embodiment of the present invention.
  • the card company server 200 describes only a process of generating and issuing a mobile coupon to the user terminal 100 through the mobile coupon company server 300, but is not limited thereto.
  • the card company server 200 may directly generate and issue a mobile coupon.
  • the mobile coupon company server 300 may transmit coupon information of various mobile coupons issued by the mobile coupon company to the card company server 200 (S301).
  • the mobile coupon company server 300 may transmit the coupon information of the mobile coupon associated with the goods and services sold by affiliates of the mobile coupon company to the card company server 200.
  • the mobile coupon company server 300 may receive from the card company server 200 with respect to the affiliates of the card company, the name of each affiliated store, business information, sales product information, etc. Each merchant may generate coupon information of a mobile coupon related to goods and services sold to the card company server 200.
  • the card company server 200 may store the coupon information received in the step S301 in a database and match it with each card product issued by the card company, thereby designating a mobile coupon to be issued according to the usage history of each card of the user. (S302).
  • the card company server 200 may match a plurality of mobile coupons for each card product through the step S302 of course.
  • the card company server 200 sets a time condition, a payment amount condition, a payment place condition, an affiliate store condition, a product condition service condition, and the number of times that the mobile coupon can be issued for each mobile coupon matched for each card in step S302.
  • a second condition such as a condition can be set (S303).
  • the card company server 200 is a time condition that each mobile coupon can be issued, that is, the user achieves the use history of the card by a specific criterion in order to receive each mobile coupon You can set the time you need to do, such as day, month, quarter, and year.
  • the card company server 200 is a payment amount condition that each mobile coupon can be issued, that is, the user must achieve within the issuance time of the corresponding mobile coupon in order to receive each mobile coupon
  • the amount of credit card use can be set.
  • the card company server 200 is a condition for the number of times that each mobile coupon can be issued, that is, the maximum number of times that the user can be issued a corresponding mobile coupon within a predetermined issue time for each mobile coupon You can also set
  • Card company server 200 is a payment place condition that is a condition that specifies the place to pay using the card, merchants condition that specifies the merchant to pay using the card, the product to pay using the card It is also possible to set a product condition, which is a condition for designating an item, and a service condition, which is a condition for designating a service item to be paid using the card.
  • the card company server 200 may check a user's card usage history previously stored in a database, based on the time information, place information, payment amount information, payment affiliate information, payment merchant information, and the like.
  • the user's card usage history may be analyzed by checking information and payment service information for at least one day.
  • the card company server 200 determines whether the user's use of the card within the issuance time of the mobile coupon partially satisfies the second condition of the mobile coupon, that is, the user's card usage history determines the first condition of the mobile coupon. It may be determined whether or not it is satisfied (S304).
  • step S304 when it is determined that the user's card usage history satisfies the first condition of the mobile coupon, the card company server 200 is to be issued such as coupon information and second condition information of the mobile coupon.
  • a message guiding the information may be transmitted to the user terminal 100 (S305).
  • the card company server 200 may determine whether the user has used the card within the issuance time of the mobile coupon completely meets the second condition of the mobile coupon (S306).
  • the card company server 200 may further check the number of times the mobile coupon has been issued to the user within the issuing time, the number of times the mobile coupon is issued to the user within the issuing time It may also be further determined whether is less than a predetermined number of issuance conditions.
  • step S306 when the user's card usage history satisfies the second condition of the mobile coupon, the card company server 200 issues a request signal for issuing the mobile coupon to the user. (S307).
  • the mobile coupon issuance request may include the user's contact information and coupon information of the corresponding mobile coupon.
  • the mobile coupon company server 300 may generate an identification code, a barcode, a QR code, a usable period, or the like of the mobile coupon in accordance with the mobile coupon issuance request signal received in step S307.
  • the mobile coupon may be generated by collecting the processed data into image data.
  • the mobile coupon company server 300 may transmit a message including the mobile coupon generated in step S308 to the user terminal 100 (S309).
  • the user can use the mobile coupon more conveniently.
  • FIG. 4 is a diagram illustrating a mobile coupon payment cancellation process according to an embodiment of the present invention.
  • the card company server 200 will be described only the process of receiving the user's card payment cancellation request signal from the payment terminal 400 of the merchant, but is not limited to this, the user is online
  • the card payment cancellation request signal may be received from the server (not shown) of the online merchant paying by using the card.
  • the payment terminal 400 according to the user's request, the card payment completion of the user that is previously approved through the card company server 200, that is, the specific card usage history of the user specific
  • the signal for canceling the case may be transmitted to the card company server 200 (S401).
  • the card company server 200 may check the user's holding coupon information corresponding to the card payment cancellation request received in step S401 through a database (S402).
  • the card company server 200 records the user's card usage history corresponding to the issue time of the issued mobile coupon Can be extracted and reanalyzed (S403).
  • the card company server 200 excludes the card usage history corresponding to the requested cancellation from the extracted card usage history, and then determines whether the remaining card usage history satisfies the second condition that the mobile coupon is issued. You can check it.
  • step S403 when the remaining card use history satisfies the payment amount condition of the mobile coupon, the card company server 200 sends a signal for approving the received card payment cancellation request to the payment terminal 400.
  • the card payment completion case may be canceled in operation S405.
  • the card company server 200 may check whether the issued mobile coupon is used when confirming that the user has issued the mobile coupon through the step S402.
  • the card company server 200 approves the card payment cancellation request, the card company server 200 transmits a signal for requesting cancellation of the mobile coupon to the mobile coupon company server, and sends the mobile coupon.
  • the canceled mobile coupon may be processed to be used later.
  • the card company server 200 may immediately process the card payment cancellation request authorization.

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Abstract

Un mode de réalisation de l'invention concerne un procédé selon lequel un serveur de société de cartes fournit un service de coupons mobiles à un utilisateur en fonction d'un historique de transactions par carte de l'utilisateur, ledit procédé consistant à : (a) transmettre, à un terminal utilisateur, un message pour fournir des informations concernant une émission escomptée d'un coupon mobile lorsque l'historique de transactions par carte de l'utilisateur remplit une première condition ; et (b) émettre le coupon mobile ou permettre à un serveur de société de coupons mobiles d'émettre le coupon mobile lorsque l'historique de transactions par carte de l'utilisateur remplit une seconde condition.
PCT/KR2017/004909 2016-06-20 2017-05-11 Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte WO2017222172A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR10-2016-0076800 2016-06-20
KR20160076800 2016-06-20
KR1020160133498A KR101756598B1 (ko) 2016-06-20 2016-10-14 카드 이용 내역에 따라 모바일 쿠폰 서비스를 제공하는 방법 및 서버
KR10-2016-0133498 2016-10-14

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WO2017222172A1 true WO2017222172A1 (fr) 2017-12-28

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Application Number Title Priority Date Filing Date
PCT/KR2016/014604 WO2017222128A1 (fr) 2016-06-20 2016-12-13 Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte
PCT/KR2017/004909 WO2017222172A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte
PCT/KR2017/004905 WO2017222170A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
PCT/KR2017/004904 WO2017222169A1 (fr) 2016-06-20 2017-05-11 Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce
PCT/KR2017/004912 WO2017222175A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement
PCT/KR2017/004915 WO2017222178A1 (fr) 2016-06-20 2017-05-11 Procédé permettant de fournir un service d'approbation de transaction financière en continu au moyen d'une approbation de mandataire, et serveur de société de cartes permettant d'exécuter ledit procédé
PCT/KR2017/004914 WO2017222177A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier
PCT/KR2017/004984 WO2017222183A1 (fr) 2016-06-20 2017-05-12 Procédé de traitement d'approbation de transaction et serveur d'émetteur de carte

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PCT/KR2016/014604 WO2017222128A1 (fr) 2016-06-20 2016-12-13 Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte

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PCT/KR2017/004905 WO2017222170A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
PCT/KR2017/004904 WO2017222169A1 (fr) 2016-06-20 2017-05-11 Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce
PCT/KR2017/004912 WO2017222175A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement
PCT/KR2017/004915 WO2017222178A1 (fr) 2016-06-20 2017-05-11 Procédé permettant de fournir un service d'approbation de transaction financière en continu au moyen d'une approbation de mandataire, et serveur de société de cartes permettant d'exécuter ledit procédé
PCT/KR2017/004914 WO2017222177A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier
PCT/KR2017/004984 WO2017222183A1 (fr) 2016-06-20 2017-05-12 Procédé de traitement d'approbation de transaction et serveur d'émetteur de carte

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WO (8) WO2017222128A1 (fr)

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