WO2018236169A1

WO2018236169A1 - System and method for providing post-paid advertisement and vehicle maintenance cost management service linked to virtual account

Info

Publication number: WO2018236169A1
Application number: PCT/KR2018/007043
Authority: WO
Inventors: 정길모
Original assignee: 주식회사클로버세븐
Priority date: 2017-06-21
Filing date: 2018-06-21
Publication date: 2018-12-27
Also published as: KR101834462B1

Abstract

Provided is a method for providing a post-paid advertisement and a vehicle maintenance cost management service linked to a virtual account. The present invention comprises: an affiliate bank server for executing a payment to transfer, to a preconfigured member store, a vehicle maintenance cost linked to a virtual account when the cost is used at the member store, depositing, when there is an advertisement associated with the member store, an accumulated credit, which is accumulated on the basis of the used vehicle maintenance cost and the advertisement, in the virtual account, and executing a payment to transfer the accumulated credit to an advertised member store, which is an object of the advertisement, when a business operator uses the accumulated credit at the advertised member store; a business operator terminal for requesting a payment by inputting a payment amount corresponding to a vehicle maintenance cost, and using an accumulated credit at an advertised member store; and a payment agency service providing server for, when a payment request is transmitted from a card linked to a virtual account of a business operator to the affiliate bank server, checking an amount requested for payment and a region in which the payment request has been made, so as to determine approval or disapproval of the payment, transmitting the determined approval or disapproval to an affiliate member store terminal or an advertised member store terminal, and settling an amount of money used by the business operator to the affiliate member store terminal or the advertised member store terminal.

Description

System and method for providing post-paid advertisement and virtual account-linked vehicle maintenance management service

The present invention relates to a method of providing post-pay advertisement and a virtual account-linked vehicle maintenance fee management service. The method includes analyzing customer information associated with a virtual account with the vehicle maintenance cost as big data, Provides a way to drive online customers offline.

Recently, there have been many services such as offline purchase of products purchased online or purchase of offline goods by expanding and utilizing O2O (Online to Offline) service, They can interact anywhere, anytime, and use offline benefits together offline.

At this time, the method using the O2O service is performed by using the NFC tag. In this regard, in Korean Patent Laid-Open Publication No. 2016-0118861 (published October 12, 2016), NFC tagging of a price tag of a product decided to be purchased by a customer is performed by NFC tagging in the smart card, And a purchase is completed by mobile payment or barcode scan for a product in the cart.

However, it is difficult to secure initial customers, huge amounts of capital and advertisements must be injected in order to secure initial customers, and even if customers are introduced online, if they do not analyze and acquire online customer consumption patterns, The same is true for advertising as it is less than the capital employed.

In an embodiment of the present invention, a consumption pattern of a customer using an unpaid account is analyzed as big data by using the vehicle maintenance cost as a virtual account, a reserve according to the vehicle maintenance cost is accumulated as a virtual account, When the deposit is used at the merchant selling the advertisement, the advertisement fee is charged to the advertiser according to the effect of the advertisement, so that the advertisement fee is charged and paid only for the proved effect of the advertisement. And a method of providing post-pay advertisement and a virtual account-linked vehicle maintenance cost management service to prevent users from falling into spam by providing advertisement according to a timing and place suitable for consumption pattern. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a method of providing a virtual account for a purpose of collecting a virtual account by issuing a request for virtual account issuance from a business entity, When the vehicle maintenance cost is used in a predetermined merchant, payment is made so as to be processed at the merchant. When there is an advertisement associated with the merchant, the reserve accumulated on the basis of the advertisement and the used vehicle maintenance cost is accumulated in the virtual account, A cooperative bank server that performs settlement so that the deposit is deposited to the affiliated merchant when the deposit is used in the advertised merchant, which is an object of the advertisement, a beacon registered in the merchant that is affiliated with the merchant to use the vehicle maintenance fee Depending on the frequency, it may be woken up to run the billing program or application, A merchant terminal that scans or reads the merchant unique code of the merchant terminal, identifies affiliated merchants, requests settlement by inputting a settlement amount corresponding to the vehicle maintenance fee, uses the deposit from the advertised merchant, The affiliated merchant terminal and the advertised merchant terminal of the affiliated merchant, and registers the affiliated merchant terminal and the advertised merchant terminal of the affiliated merchant to the payment program or application of the merchant terminal, , When the payment request is transmitted from the card linked to the virtual account of the business operator to the affiliated bank server, it is determined whether or not to approve the region and amount requested for payment, and the determined approval is transmitted to the affiliated merchant terminal or the advertised merchant terminal To the affiliated merchant terminal or the affiliated merchant terminal, And a settlement agency service providing server for settlement of the used amount.

In another embodiment of the present invention, there is provided a method for managing a virtual account, comprising the steps of: mapping a virtual account that is granted and issued according to a purpose of collecting a business from at least one affiliate bank server to a business entity terminal, And registering the vehicle identification code, accumulating a reserve corresponding to the vehicle maintenance cost used in the affiliated merchant terminal in the business terminal, into a virtual account, collecting the payment event before and after using the vehicle maintenance fee at the business terminal, The method comprising the steps of: collecting an advertisement for an advertised merchant, which is an advertisement object, from at least one advertiser server based on the analysis result, transmitting the advertisement to the merchant terminal, receiving a request for use of the reserve from the merchant terminal, The payment is made to be paid to the advertising merchant terminal And transmitting the settlement request to the at least one advertiser server based on the use of the reserve and the advertisement fee according to the settlement event of the business entity terminal to the affiliate merchant terminal.

According to any one of the above-mentioned objects of the present invention, the consumption pattern of a customer who uses an unpaid account by using the vehicle maintenance cost as a virtual account is analyzed as big data, a reserve according to the vehicle maintenance cost is accumulated as a virtual account, The advertisement fee is charged to the advertiser according to the effect of the advertisement, and the advertisement fee is charged only for the proved effect of the advertisement and the payment is requested Maximize the effectiveness of the advertisement, and prevent the advertisement from becoming spam by providing the advertisement according to the timing and location according to the consumption pattern.

FIG. 1 is a block diagram illustrating a post-pay advertisement and a virtual account-linked vehicle maintenance cost management service providing system according to an embodiment of the present invention.

FIG. 2 is a configuration diagram for explaining a payment agent service providing server shown in FIG. 1. FIG.

FIG. 3 is a view for explaining an embodiment in which vehicle maintenance cost is used in post-pay advertisement and virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention.

4 is a view for explaining an embodiment in which a reserve according to the vehicle maintenance cost of the post-pay advertisement and the virtual account-linked vehicle maintenance cost management service according to the embodiment of the present invention is used in the advertised merchant.

FIG. 5 is a view for explaining an embodiment in which a vehicle maintenance cost of a post-pay advertisement and a virtual account-linked vehicle maintenance cost management service and a reserve in an ad agency are used according to an embodiment of the present invention.

FIG. 6 is a view for explaining the concept of a post-paid advertisement and a virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention.

7 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the post-paid advertisement and virtual account-linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention.

FIG. 8 is a flowchart illustrating a post-pay advertisement and a method for providing a virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention.

The present invention relates to a method and system for providing a virtual account by issuing a virtual account from a service provider and issuing and issuing a virtual account for each purpose of collection and, when a vehicle maintenance fee associated with the virtual account is used in a predetermined merchant, And accumulates a deposit, which is accumulated based on the advertisement and the used vehicle maintenance cost, in the virtual account when the advertisement associated with the merchant is present, and when the provider stores the deposit as an object of the advertisement An affiliate bank server that performs settlement so that the deposit is deposited to the affiliated merchant when the advertisement merchant uses the advertisement;

The billing program or application is woken up according to the frequency of the beacon registered at the merchant affiliated to use the vehicle maintenance fee and is scanned or read by the merchant unique code of the affiliated merchant terminal, A merchant terminal for requesting settlement by inputting a settlement amount corresponding to the vehicle maintenance fee, and using the reserve at the advertised merchant;

A terminal registration unit for registering a terminal and a vehicle for payment of a vehicle maintenance fee or a reserve from the business entity terminal and issuing a unique code of an affiliate merchant and an affiliate merchant of the affiliated merchant store and registering an affiliated merchant terminal and an advertised merchant terminal of the affiliated merchant, Determining whether the settlement request or the payment request is transmitted to the affiliate bank server from a card linked to the virtual account of the business entity and the payment program or application of the business entity, A payment agent service providing server for transmitting approval or disapproval to the affiliated merchant terminal or the advertised merchant terminal and setting the amount used by the provider to the affiliated merchant terminal or the advertised merchant terminal;

To provide a post-pay advertisement and a virtual account-linked vehicle maintenance cost management service providing system.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as " including " an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

The terms " about ", " substantially ", etc. used to the extent that they are used throughout the specification are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to help prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) " or " step " does not mean " step for. &Quot;

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware.

In this specification, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server.

In this specification, some of the operations or functions described in the mapping or matching with the terminal are used for mapping or matching the unique number of the terminal or the identification information of the individual, which is the identification data of the terminal . &Lt; / RTI >

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram illustrating a post-pay advertisement and a virtual account-linked vehicle maintenance cost management service providing system according to an embodiment of the present invention. 1, the post-pay advertisement and virtual account-linked vehicle maintenance cost management service providing system 1 includes a business entity terminal 100, a payment agent service providing server 300, a partner bank server 400, an affiliate merchant terminal 500 A beacon 600, a unique identification code 700, an advertiser server 800, and an affiliate merchant terminal 900. However, the post-pay advertisement and virtual account-linked vehicle maintenance cost management service providing system 1 of FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. For example, as shown in FIG. 1, a vendor terminal 100 may be connected to a payment agent service providing server 300 through a network 200. The provider terminal 100 may be directly or indirectly connected to the affiliated bank server 400 through the payment agent service providing server 300 through the network 200. [ In addition, the affiliate bank server 400 may be connected to the business entity terminal 100 through the payment agency service providing server 300. Also, the beacon 600 may be connected to the vendor terminal 100 through the network 200. [ The advertiser server 800 may be connected to the payment agent service providing server 300 through the network 200 and may also be connected to the advertised merchant terminal 900 through the network 200. [ The affiliated merchant terminal 900 may be connected to the payment agent service providing server 300 through the network 200. [

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers. One example of such a network 200 is a 3rd Generation Partnership Project (3GPP) network, A 5th Generation Partnership Project (5GPP) network, a World Interoperability for Microwave Access (WIMAX) network, an Internet, a LAN (Local Area Network), a Wireless LAN (Local Area Network) But are not limited to, a Wide Area Network (PAN), a Personal Area Network (PAN), a Bluetooth network, an NFC network, a satellite broadcast network, an analog broadcast network, a DMB (Digital Multimedia Broadcasting)

The payment agency service associated with postpaid advertisements and virtual accounts according to an embodiment of the present invention is based on O2O (Online to Offline). At this time, O2O is a business strategy that combines on / off line by combining online and offline to build new business model, expand business, service area, customer management and marketing efficiency. At this time, in the case of online-based operators, it is a strategy to expand the business to a new off-line area by utilizing loyal member DB and platform or to expand the market through partnership with off-line operators. In the case of offline-based operators, they are focusing on securing customers and marketing by leveraging the infrastructure and technology of online operators or by entering new businesses that utilize mobile infrastructure by utilizing established offline infrastructure.

Accordingly, the post-pay advertisement and the settlement agent service associated with the virtual account according to the embodiment of the present invention can be applied to a customer who has already received a cheaper oil supply while using the vehicle maintenance fee as a virtual account, By advertising and paying advertisers' advertisements, it is possible to provide advertisements that match the patterns of consumption patterns of existing customers, thereby preventing the advertiser from having a sense of rejection.

Hereinafter, the components of the payment agent service associated with the post-paid advertisement and the virtual account according to an embodiment of the present invention will be described.

The business entity terminal 100 may be a terminal accessing a web page, an application page, an application, or a program provided by the payment agent service providing server 300. At this time, the business entity terminal 100 may be a terminal for registering a business in the payment agency service providing server 300 and requesting a payload service for maintaining the vehicle. In addition, the merchant terminal 100 issues a virtual account to the affiliated bank server 400 for each purpose of collection, and when the merchant arrives at the merchant for vehicle management, the application is activated by the beacon 600 Terminal. The vendor terminal 100 may be a terminal that scans a unique code 800 (not shown) using an application for payment, identifies a merchant, and performs settlement. In addition, the vendor terminal 100 may be a terminal that executes an application only when a unique identification code 700 attached to the vehicle is scanned in order to prevent illegal use of the provider card. The provider terminal 100 may be registered in plural, and may be a card using payment means associated with a virtual account of a business operator other than a business entity, or a terminal of all payer using an application. In addition to payment of the vehicle maintenance fee, the business entity terminal 100 also transmits payment information such as time, place, and business type to the payment agent service providing server 300, and transmits data, which is input as a big data, Lt; / RTI > In addition, the business entity terminal 100 may be a terminal that accumulates a reserve for the vehicle maintenance expenses settlement in the virtual account. Then, the business entity terminal 100 may be a target of an advertisement for an advertised merchant that is used as a reserve fund. Then, the business entity terminal 100 can receive, through the payment agent service providing server 300, an advertised merchant shop, which is an agent using the reserve. In addition, when using the reserve, the vendor terminal 100 may be a terminal that transmits information according to usage of the reserve to the settlement service providing server 300.

Here, the business entity terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a set-top box, a notebook equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the business entity terminal 100 may be implemented as a terminal capable of connecting to a remote server or a terminal through the network 200. The provider terminal 100 is a wireless communication device that is guaranteed to be portable and mobility, for example, as a navigation device, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The payment agent service providing server 300 may be a server directly or indirectly providing an app page, a web page, an application, a program, or the like, which provides a post-paid advertisement and a virtual account-linked vehicle maintenance cost management service. The settlement agency service providing server 300 receives the information of the virtual account issued by the affiliate bank server 400 to the business entity terminal 100 or the affiliated bank server 400, May be a server that performs real-time or next-day settlement to the merchant and requests settlement to the affiliate bank server 400 when the merchant uses the merchant. At this time, you may be charged an amount that includes more fees. The payment agent service providing server 300 may be a server that controls the business agent terminal 100 to wake up and activate using the beacon 600 at the affiliated merchant terminal 500. [ The settlement agency service providing server 300 manages the unique identification code 700 attached to the vehicle of the business operator so that the settlement is activated only when the business entity terminal 100 scans the unique identification code 700 , It is possible to prevent illegal use of the vehicle maintenance cost of the vehicle by the vehicle other than the vehicle registered in the business. The settlement agency service providing server 300 manages the beacon 600 and the affiliated merchant terminal 500 and issues and manages the unique code 800 and the unique identification code 700 and transmits the unique code 800 and the unique identification code 700 to the business entity 100, And can identify the payer by issuing and managing an identification code for each program or application installed in the payer. The settlement agency service providing server 300 may be a server that receives a settlement event including the settlement details generated in addition to the vehicle maintenance expenses of the business entity terminal 100 in the history log. In addition, the settlement agency service providing server 300 may be a server for converting billing event into big data and analyzing big data. The settlement agency service providing server 300 may be a server that transmits the big data analysis result to the advertiser server 800, thereby inducing registration so that the advertised merchant, which is an object of the advertisement, is affiliated. When the advertiser server 800 registers the advertisement merchant in the billing agency service providing server 300 and requests the advertisement terminal 100 to output the output of the advertisement, , A location, a usage pattern, and the like, and outputs an advertisement. If the payment agent service providing server 300 requests the use of the reserve money of the commercial terminal 100 from the affiliated merchant terminal 900 after outputting the advertisement, And may be a server that performs settlement of the merchant terminal 900.

At this time, the payment agent service providing server 300 may be implemented as a computer that can access a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The affiliate bank server 400 may be a server that receives a request for a virtual account from a provider, issues a request for issuance of a virtual account from the provider, receives a deposit from a provider to provide a charge service, and provides a service in connection with an automatic loan. In addition, the affiliate bank server 400 may be a server that pays a fee including a fee when a payment is requested from the payment agency service providing server 300. The affiliate bank server 400 may be a server that accumulates a deposit in a virtual account of the vendor terminal 100 when there is a reserve request for settlement of the vehicle maintenance expenses in the payment agency service providing server 300. [ In addition, the affiliate bank server 400 may be a server for searching for an advertisement for accumulating a deposit, and for mapping an accumulation ratio or the like to an identifier for identifying the advertiser. In addition, when there is a request for use and approval of the reserve, the affiliate bank server 400 compares the accumulated reserve with the requested reserve to determine whether or not to approve the deposit, and transmits it to the settlement service providing server 300, And may be a server for determining whether to make a payment at the merchant terminal 900. [

At this time, the affiliate bank server 400 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The affiliated merchant terminal 500 may be a terminal capable of settlement of QR codes. At this time, the affiliated merchant terminal 500 may be a terminal that identifies the unique identification code 700 of the vehicle and confirms the vehicle and performs settlement when the payment is received by the card. In addition, the affiliated merchant terminal 500 may be associated with the beacon 600, and may activate the application of the business entity terminal 100 with the signal of the beacon 600. [ The affiliated merchant terminal 500 may be a terminal that executes wireless communication so as to be settled at a price input by the affiliated merchant terminal 500 in an application of the provider terminal 100 that has scanned the unique code 800. [

Here, the affiliated merchant terminal 500 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. Here, the computer may include, for example, a POS terminal, a card terminal, a notebook equipped with a WEB Browser, a desktop, a laptop, and the like. At this time, the business entity terminal 100 may be implemented as a terminal capable of connecting to a remote server or a terminal through the network 200. The affiliate merchant terminal 500 is, for example, a portable communication device with guaranteed portability and mobility, such as a navigation system, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W- A handheld based wireless communication device such as a smart phone, a smartphone, a smartpad, a tablet PC, and the like.

The beacon 600 may be a device that activates and executes an application of the vendor terminal 100 when the vendor terminal 100 transmits a specific frequency.

The unique identification code 700 and the unique code may be codes that identify the vehicle and identify the merchant. This may be a simple sticker type that does not transmit a frequency with a manual code, or an active element that provides a code or frequency for identifying itself. It should be clear that various communication methods can be used for the communication method, not limited to RFID, ultrasound, Bluetooth, and the like.

The advertiser server 800 is a system for providing a targeted advertisement to a customer that has already been held through a settlement agency service providing server 300, that is, a business terminal 100 that uses a vehicle maintenance fee by using a virtual account, It can be the server of the advertiser. In addition, the advertiser server 800 analyzes various consumption patterns including a pattern of making a settlement with the company terminal 100 before and after using the vehicle maintenance cost, a pattern of purchasing a car, a pattern using a maintenance service, May be a server of an advertiser who wishes to perform a targeted advertisement to a customer of the settlement agency service providing server 300 by using the service. When the advertiser server 100 uses the advertisement object advertised by the advertiser, the advertiser server 800 transmits the advertisement object and the information about the advertised merchant to the corresponding merchant terminal 100 , It is possible to induce the use of the reserve accumulated in the vehicle maintenance cost to be used at the advertised merchant of the advertiser.

At this time, the advertiser server 800 can be implemented as a computer that can access a remote server or terminal through the network 200. Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The advertised merchant terminal 900 may be a terminal of an affiliate shop that sells an article or the like advertised by the advertiser server 800. [ At this time, when the merchant terminal 100 wants to use the reserve, the affiliate merchant terminal 900 receives approval or non-approval through the payment agency service providing server 300 and the affiliate bank server 400, Or may be a terminal performing the operation. In addition, the advertised merchant terminal 900 may be a terminal associated with the beacon 600 so that a beacon 600 is provided and a signal is transmitted to the commercial terminal 100. That is, the same method as that in which the merchant terminal 900 of the affiliated merchant terminal 900 performs settlement by installing the beacon 600 at the affiliated merchant terminal 500 may be applied. However, the present invention is not limited thereto, and various methods may be used.

Here, the advertised merchant terminal 900 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. Here, the computer may include, for example, a POS terminal, a card terminal, a notebook equipped with a WEB Browser, a desktop, a laptop, and the like. At this time, the advertised merchant terminal 900 may be a POS, a PCS (Personal Communication System), a GSM (Global System for Mobile communications), a PDC (Personal Digital Cellular), a PHS Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-CDMA (W-CDMA), Wibro (Wireless Broadband Internet) A handheld-based wireless communication device such as a smartpad, a tablet PC, and the like.

FIG. 2 is a block diagram illustrating the payment agent service providing server shown in FIG. 1, and FIG. 3 is a flowchart illustrating an embodiment of a post-pay advertisement and a virtual account-linked vehicle maintenance fee management service according to an exemplary embodiment of the present invention. FIG. 4 is a view for explaining an embodiment in which a reserve according to vehicle maintenance costs among post-pay advertisement and virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention is used in an advertised merchant store And FIG. 5 is a view for explaining an embodiment in which a vehicle maintenance fee of a post-pay advertisement and a virtual account-linked vehicle maintenance cost management service and a reserve in an advertised merchant shop are used according to an embodiment of the present invention, FIG. 4 is a diagram for explaining the concept of a post-pay advertisement and a virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention.

2, the payment agent service providing server 300 according to an embodiment of the present invention includes a storage unit 310, an accumulating unit 320, an analyzing unit 330, a transmitting unit 340, (350), and a settlement unit (360).

The billing agent service providing server 300 or the other server (not shown) operating in cooperation with the settlement agent service providing server 300 according to the embodiment of the present invention may transmit the postpaid advertisement and the virtual account- In the case of transmitting maintenance management service application, program, app page, web page, etc., the vendor terminal 100 can install or open post-pay advertisement and virtual account-linked vehicle maintenance cost management service application, program, have. Also, the service program may be executed in the business entity terminal 100 using a script executed in the web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

At this time, the connection of the network 200 is performed by the service provider 100, the payment agent service providing server 300, the affiliate bank server 400, the affiliate merchant terminal 500, the beacon 600, the advertiser server 800, It means that the advertised merchant terminal 900 generates a communication object at a communication contact for communication with a terminal connected to the network 200. [ The payment agent service providing server 300 can exchange data with each other through a communication object.

First, a payment agent service according to an embodiment of the present invention can provide two services. The first service is a service only after depositing a vehicle maintenance fee into a virtual account, processing an unpaid account, receiving a vehicle maintenance fee at a lower price, and after being authenticated such as being woken up by a beacon signal to prevent illegal use by a corporation It is a way to make payment possible. In the second service, reserves accumulated through the use of the vehicle maintenance fee are accumulated in a virtual account so that it is available to the carrier like cash. The reserve is made available only to the advertised merchant selling the object advertised by the advertiser, The data included in the payment event used in conjunction with the advertiser is analyzed to provide a database in which each customer can be targeted and a reasonable advertisement is provided to the advertiser after the advertisement is effective (after the purchase of the goods) , And it is a way to make use of the reserve money useful for business owners.

Hereinafter, the two services described above will be described in detail.

First, the storage unit 310 may store a virtual account, which is given and issued for at least one vendor's banking pur- pose purpose, from the at least one affiliate bank server 400, with the business entity 100, which is a terminal of the business entity. In addition, the storage unit 310 can receive the card mapped to the virtual account and the vehicle identification code from the business entity terminal 100. [

When the application installed in the business entity terminal 100 is activated from the affiliated merchant terminal 500 and is operated in the front ground, the accumulation unit 320 may scan the unique code of the affiliated merchant terminal 500 in the business entity terminal 100 A condition that a unique code is scanned in the vendor terminal 100, a predetermined region and an amount of money are input, and when the affiliate merchant terminal 500 receives an approval request, have. At this time, the condition that satisfies the predetermined area and the amount of money is a condition including the condition of being less than the stored amount mapped to the type of the vehicle maintenance cost, whether or not less than the maximum oilable amount per day is less, Lt; / RTI > The condition for executing the program or application for payment of the business entity terminal 100 is limited to the case where the unique identification code of the vehicle registered by the business entity is recognized and the beacon signal associated with the affiliated merchant terminal 500 is input .

For example, there are two cases where a user uses the vehicle maintenance cost, such as using an application or using a card.

In the first case, suppose that a user makes a payment using an application. At this time, there are cases where a user brings a registered vehicle from a business operator to repair or oil the vehicle, or there is a case where the user brings his own unregistered vehicle to repair or refuel the vehicle. The latter is when you use your card personally, but there is no way to stop or check it. Therefore, when using the application, by confirming whether it is an affiliated merchant (confirmed by the beacon 600) and confirming whether or not the merchant has brought the registered vehicle of the business (confirmed by the unique identification code 700) To further prevent the abuse of the cost of the business operator.

In the second case, when the user makes a settlement using the card, there is no way to confirm whether the vehicle is the owner's vehicle or the owner's vehicle. In this case, it may be possible only when the affiliated merchant terminal 500 identifies the inherent code 700 attached to the vehicle of the business operator. Through this, it is possible to prevent the abuse of the corporate card or the business card, to confirm the accurate settlement and the use place, and the settlement process can be simplified.

Then, the accumulating unit 320 transmits the settlement approved amount to the affiliated bank server 400, transmits a settlement request, and performs settlement to the affiliated merchant terminal 500. [ When a unique code is scanned in the business entity terminal 100, a condition satisfying predetermined region and amount is input, and an approval request is received from the affiliated merchant terminal 500, when a payment approval is granted, When recognizing the vehicle identification code from the affiliated merchant terminal 500 and receiving the approval request from the affiliated merchant terminal 500, it is possible to replace the application with the step of permitting payment approval, Make sure to use the card properly.

In summary, the vendor terminal 100 is woken up according to the frequency of the beacon registered at the merchant affiliated to use the vehicle maintenance cost registered by the vendor, executes the billing program or application, and scans or updates the merchant unique code of the merchant terminal It is possible to identify the affiliated merchant by reading and enter the payment amount corresponding to the vehicle maintenance fee to request payment.

The settlement agency service providing server 300 receives the registration of the terminal and the vehicle for payment of the vehicle maintenance fee from the business entity, issues the unique code of the affiliated merchant of the affiliated merchant, registers the merchant terminal of the affiliated merchant affiliated with the business terminal 100, When a payment request is transmitted from the payment program or application of the business entity terminal 100 to a partner bank server 400 in a card interlocked with a virtual account of a business entity, It is possible to transmit the determined approval or disapproval to the merchant terminal and settle the amount used by the merchant to the merchant terminal.

The affiliate bank server 400 requests and issues a virtual account for the purpose of collection by issuing a virtual account issuance from a business entity and when the virtual account is used in a merchant whose preliminary vehicle maintenance cost associated with the virtual account is used, , And the amount deposited from the provider may be treated as an unpaid account. The partner bank server 400 can be automatically linked to the advance amount of the loan when the deposit is not made from the provider.

The affiliated merchant terminal 500 can also wake up and activate the payment program or the application when recognizing the vehicle identification code included in the registered vehicle from the business partner at the affiliated merchant store. At this time, when the business operator makes a payment request at the merchant terminal using the card in addition to the program or the application in the business operator terminal 100, the affiliated merchant terminal 500 recognizes the condition of recognizing the vehicle identification code disposed in the vehicle registered by the business operator And can transmit a settlement request to the settlement service providing server 300.

The accumulation unit 320 receives the card mapped to the virtual account and the vehicle identification code from the business entity terminal 100 and receives a deposit corresponding to the vehicle maintenance fee used in the affiliated merchant terminal 500 in the business entity terminal 100 It can be credited to a virtual account. For example, if you have 30 won per liter, you can earn 900 won for 30 liters. At this time, when the business entity terminal 100 is not a single terminal, for example, in the case of a corporation, a plurality of persons are paid out instead of one person, so that the reserve fund can be accumulated rapidly.

On the other hand, the analysis unit 330 can collect billing events before and after using the vehicle maintenance cost in the business entity terminal 100, and can make big data and analyze them. At this time, the payment event occurring before and after the payment of the vehicle maintenance fee may be included in the big data collected by the payment agent service providing server 300 and analyzed by at least one big data analysis algorithm.

At this time, at least one big data analysis algorithm may be as follows. However, it is to be understood that various analysis algorithms can be used without being limited thereto.

First, payment events can be utilized through data collection process, data preprocessing, information storage management, information processing analysis, intelligence discovery, and visualization. At this time, data is collected from various data sources, and if necessary, the unnecessary data is filtered or processed into a proper form, and then information is stored and managed, and useful information is extracted or analyzed It can be defined as a step of discovering and visualizing intelligence and utilizing it. In some cases, useful information may be extracted or analyzed prior to the information storage management step, and then stored and managed as needed. In addition, each process from collecting data to finding and using intelligence is a big data environment and requires technical support considering big data attributes such as data size, data generation and processing speed, data diversity, and complexity of data utilization environment . At this time, major technology of big data analysis platform to support big data utilization can be divided into heterogeneous data fusion technology, big data storage management technology, big data processing technology, big data analysis technology and intelligent visualization technology.

At this time, heterogeneous data convergence technology is a heterogeneous multi data convergence technology that supports access to various data sources, data collection and data convergence processing for big data analysis, and big data storage management technology stores various types of data It is a high-performance storage management technology that supports highly scalable distributed storage management technology and real-time analysis environment that can be managed. Big data processing technology is a distributed parallel data processing technique for supporting timely analysis processing of stream data and large-scale storage data that are generated continuously. Big data analysis technology is a technique for extracting the value inherent in big data Large-scale data and stream data-based statistical processing, data mining and other analytical techniques using machine learning and artificial intelligence techniques. In addition, intelligent visualization technology is a technology that visualizes the analyzed results using charts, images, animations, etc. so that they can be easily understood intuitively.

On the other hand, in order to process real-time data of a payment event other than the vehicle maintenance cost, a formal event stream processing operation may be provided according to a data model, and the processed and analyzed data may be used as an input for updating the database. The processed and analyzed meaningful data can be transmitted to at least one advertiser server 800 having various customer targets. Accordingly, the advertiser of the advertiser server 800 confirms whether or not the usage pattern used by the customer layer of the settlement service providing server 300 (300) matches the target desired by the advertiser server 800, You can decide.

Accordingly, the transmitting unit 340 may collect the advertisement for the advertised merchant, which is the advertisement object, from at least one advertiser server 800 based on the analysis result, and may transmit the advertisement to the provider terminal 100. At this time, for example, if the business operator terminal 100 has always drank coffee when liquified, an advertisement of an affiliate shop that can drink coffee may come out. Accordingly, the advertisement is executed according to the consumption pattern and timing of the user, thereby maximizing the probability that the advertisement leads to payment.

When the dealer terminal 100 is requested to use the deposit at the advertised merchant store, the license section 350 may withdraw the deposit from the virtual account and authorize the payment approval to be paid to the advertised merchant terminal 900. [ At this time, in order to approve whether or not to use the reserve, the granting unit 350 can obtain a response by transmitting a query to the affiliate bank server 400. [

The settlement unit 360 may transmit the settlement request to at least one advertiser server 800 based on the deposit fee and the advertisement fee according to the settlement event of the merchant terminal 100 to the affiliate merchant terminal 900. [

On the other hand, the big data conversion and analysis is performed in the business terminal 100 using the location of the gas station using the vehicle maintenance cost, the type of the gas station, the type of the vehicle, the type of the vehicle, the number of vehicles per company, the total usage amount, Ratio, but is not limited to this. In addition, data collected for big data can be added, deleted, edited or updated periodically or in real time.

Meanwhile, when the payment event and the reserve are used at the merchant terminal 100 of the merchant terminal 100, the payment agent service providing server 300 requests the advertiser server 800 associated with the advertised merchant shop for the advertisement fee, Can receive.

In summary, the affiliate bank server 400 receives a virtual account issuance request from a business entity, assigns and issues a virtual account for each purpose of collection, and uses, among the money deposited from the business entity, the vehicle maintenance fee associated with the virtual account In the case where there is an advertisement linked to the merchant, the deposit is accumulated in the virtual account based on the advertisement and the used vehicle maintenance fee, and the carrier registers the deposit as the object of the advertisement When used at an advertising merchant, a payment can be made so that the deposit is deposited into the advertising merchant.

The business entity terminal 100 is registered from the business operator and is woken up according to the frequency of the beacon 600 installed in the affiliated shop affiliated to use the vehicle maintenance fee to execute the payment program or the application, It is possible to identify the affiliated merchant by scanning or reading the code, input the payment amount corresponding to the vehicle maintenance fee to request payment, and use the reserve money at the advertised merchant.

The settlement agency service providing server 300 receives the terminal and the vehicle for payment of the vehicle maintenance cost or the reserve from the business entity terminal 100 and issues the unique code of the affiliated merchant and the affiliated merchant of the affiliated merchant store, When the terminal 500 and the affiliated merchant terminal 900 are registered and a payment request from the payment program or application of the business entity terminal 100 and a card linked to the virtual account of the business entity are transmitted to the affiliated bank server 400 And transmits the determined approval or not to the affiliated merchant terminal 500 or the affiliated merchant terminal 900. The affiliated merchant terminal 500 or the affiliated merchant terminal 900), the amount used by the business operator can be settled.

The advertiser server 800 collects the results of analyzing the settlement events generated at the vendor terminal 100 before and after the payment of the vehicle maintenance cost from the settlement agency service providing server 300, When the settlement events match, an advertisement request is transmitted to the settlement service providing server 300, and the information of the advertised merchant, which is an object of the advertisement, is transmitted to the settlement service providing server 300, To be used by the advertised merchant.

Hereinafter, the post-pay advertisement and the virtual account-linked vehicle maintenance cost management service having the above-described configuration will be described with reference to FIG. 3 and FIG.

Referring to FIG. 3, (a) a business operator registers a business, a virtual account is issued, and a monthly deposit of 1,000,000 won is made in a virtual account. At this time, (b) the payment agent service providing server 300 receives registration from the affiliated merchant terminal 500, the affiliate bank server 400, and the provider terminal 100 and shares the information. (C) When the operator arrives at the gas station with the operator terminal 100 and the registered vehicle, the operator terminal 100 is activated and woken up by the beacon 600 and execution starts.

(D) When the provider terminal 100 scans the unique code 800 attached to the affiliated merchant, the screen for inputting the amount is displayed and the payment is made with the amount input from the affiliated merchant terminal 500 . At this time, when settlement is completed in the business entity terminal 100, the affiliated merchant terminal 500 can receive the result from the settlement service providing server 300 and complete the settlement.

Alternatively, (e) the vendor terminal 100 may perform the payment by reading the card wirelessly.

Then, when the settlement is completed (f), the vendor terminal 100 receives the message that the settlement has been completed and transmits the message to another terminal of the provider interlocked with the vendor terminal 100, and performs settlement based on the history You can do it fast.

Referring to FIG. 4, (a) the amount used as the vehicle maintenance fee is accumulated in the virtual account according to the accumulation rate, and the advertised merchant of the advertiser who can use the accumulated amount can be output to the business terminal 100. At this time, the advertisement of the advertiser is outputted at random according to the consumption pattern and the history log of the business entity terminal 100, rather than being outputted to the business entity terminal 100. (b) For example, a business operator eats coffee at a gas station near the gas station at 8 o'clock in the morning, gasps at the gas station, and (c) a pattern of eating breakfast before going to work at the XX hamburger shop occurs on Mondays Let's assume. At this time, at 8:00 on Monday, the coffee shop is searched around the location where the business operator is located, the searched coffee shop is searched for whether the searched merchant's merchant's shop is located, and if the searched merchant's merchant is present, When introducing an advertising franchisee, it is possible for a business operator to recognize that coffee can be eaten at a discounted price.

In addition, (d) If the current location of the business operator and the shop that can resolve the morning match with the advertised merchant site of the advertiser before the work on Monday morning after the gas supply is completed, introduce the advertised merchant merchandise, Thereby making it possible to maximize the probability that the advertisement leads to settlement. In this case, when settlement is made, the settlement service providing server 300 requests the advertiser server 800 to pay an advertisement fee by postpay, (e) when the target advertisement is required to be updated by updating the settlement pattern of the provider , And make corrections. (F) The payment agent service providing server 300 updates the accumulation amount and updates the accumulable merchant.

Referring to FIG. 5, when an individual or a corporation intends to deposit the deposit with the settlement service providing server 300 (Oil Express) to receive the oil at an inexpensive price, the affiliated merchant stores the customer of the settlement service providing server 300 , Which can increase profits even at low prices. On the other hand, an individual or a corporation that has paid the deposit by depositing the deposit can receive the deposit corresponding to the fuel consumption and use the deposit in the partner company (advertiser, advertiser server 800) The profit can also increase because the customer can become the customer of the advertiser.

Accordingly, if a method of receiving the advertisement fee for the portion where the advertisement effect has been proven by the inflow of the user (click) is used, the portion where the action (payment) is performed, that is, the reserve is used, Because you receive the commission for one section, you can make sure there is no doubt about the burden of advertising costs and advertising effectiveness.

6, by analyzing and analyzing the membership of the virtual account, which is an unpaid account, with the big data, all the settlements used by the customer are transmitted through the settlement service providing server 300 or the settlement service providing server 300 It can be done in partnership.

The method of providing the post-pay advertisement and the virtual account-linked vehicle maintenance fee management service shown in FIGS. 2 to 6 will now be described with reference to FIG. 1, And the description thereof will be omitted because they can be easily deduced from the same or described contents.

7 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the post-paid advertisement and virtual account-linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between the respective components will be described with reference to FIG. 7. However, the present invention is not limited to such an embodiment, It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

7, a virtual account is established in S7100, a deposit is made in S7200, and a payment agent service providing server 300 transmits a virtual account to the affiliated merchant terminal 500 (S7300), receives the account collection purpose and amount from the affiliate bank server 400, and converts the information of the business, the bank, and the merchant into a database (S7400).

Meanwhile, when it is confirmed that the merchant terminal 100 does not use the public utility terminal 500 in the affiliated merchant terminal 500, the affiliated merchant terminal 500 requests payment from the payment agent service providing server 300 (S7500) And transmits the result to the payment proxy service providing server 300 (S7600).

In step S7610, the settlement service providing server 300 transmits the data to the affiliate bank server 400 to accumulate the deposit in the virtual account in step S7630.

When payment is made in addition to the vehicle maintenance fee in the business entity terminal 100 (S7700), the payment agency service providing server 300 receives all the payment events as a history log (S7710), performs big data conversion and analysis The settlement pattern is analyzed and stored for each provider (S7730).

At this time, the analyzed consumption pattern is transmitted to at least one advertiser server 800 (S77500). If at least one advertiser server 800 has a target customer as its target, the payment agent service providing server 300 ) (S7770).

Then, in step S7810, the business entity terminal 100 outputs an advertisement according to the consumption pattern, the location, the date, and the like (S7800). If the business entity 100 makes a payment at the advertised merchant that sells the advertisement product of the advertiser after the advertisement is output (S7810) , The advertised merchant terminal 900 waits for reception of approval processing to the payment proxy service providing server 300 (S7830, S7850), depending on whether or not a reserve deposit approval request has occurred.

The payment agent service providing server 300 requests the advertiser server 800 to pay a fee for the advertisement to settle the payment (S7900) when the payment is completed in the advertisement shop terminal 900 (S7870) A fee is received from the server 800 (S7910).

The order between the above-described steps S7100 to S7910 is only an example, but is not limited thereto. That is, the order between the above-described steps S7100 to S7910 may be mutually varied, and some of the steps may be executed or deleted at the same time.

7 is a flowchart illustrating a method of providing post-paid advertisement and a virtual account-linked vehicle maintenance fee management service according to an embodiment of the present invention. Referring to FIGS. 1 through 6, And the description thereof will be omitted because they can be easily deduced from the same or described contents.

Referring to FIG. 8, the settlement service providing server maps a virtual account, which is given and issued according to a purveying purpose of a business from at least one affiliated bank server, with a business terminal, which is a terminal of the business entity, and stores the virtual account (S8100).

Then, the payment proxy service providing server registers the card mapped to the virtual account and the vehicle identification code from the business entity terminal, and accumulates a reserve corresponding to the vehicle maintenance fee used in the affiliated affiliate terminal at the business entity terminal in the virtual account S8200).

In addition, the settlement agency service providing server collects the settlement events before and after using the vehicle maintenance cost at the business entity terminal, and performs big data analysis and analysis (S8300).

In step S8400, the payment agent service providing server collects advertisements for the advertisement merchant, which is an advertisement object, from at least one advertiser server based on the analysis result, and transmits the advertisement to the business entity terminal.

When the payment agent service providing server receives a request for using the deposit from the merchant terminal, the payment proxy service providing server fetches the deposit from the virtual account and authorizes payment approval to be paid to the affiliated merchant terminal (S8500).

Finally, the settlement service providing server transmits the settlement request to at least one advertiser server based on the deposit fee and the advertisement fee according to the settlement event of the business entity terminal to the affiliate merchant terminal (S8600).

The method of providing post-pay advertisement and virtual account-linked vehicle maintenance fee management service of FIG. 8 is not described in detail with reference to FIG. 1 through FIG. 7, And the description thereof will be omitted because they can be easily deduced from the same or described contents.

The post-pay advertisement and virtual account-linked vehicle maintenance cost management service providing method according to the embodiment described with reference to FIG. 8 may be implemented in the form of a recording medium including instructions executable by a computer, such as an application executed by a computer or a program module Can also be implemented. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may include both computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The postpaid advertisement and virtual account-linked vehicle maintenance cost management service providing method according to an embodiment of the present invention may include an application installed basically in a terminal (which may include a program included in a platform, ) And may be executed by an application (i.e., a program) directly installed on a master terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the postpaid advertisement and virtual account-linked vehicle maintenance cost management service providing method according to an embodiment of the present invention is basically installed in a terminal or implemented as an application directly installed by a user (i.e., a program) Of the present invention can be recorded on a computer-readable recording medium.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

The present invention relates to a method and system for analyzing information of a customer who interacts with a virtual account with a virtual account in the form of big data, postpaid advertisement for guiding an on-line customer offline with advertisement and reserve of an advertisement item corresponding to a consumption pattern, Service providing system and method.

Claims

When a virtual account is requested to be issued from a provider and a virtual account is assigned and issued for each purpose of collection, and when a vehicle maintenance fee associated with the virtual account is used at a predetermined merchant among the money deposited from the business, And accumulates a reserve accumulated on the basis of the advertisement and the used vehicle maintenance fee in the virtual account when there is an advertisement associated with the franchisee, An affiliate bank server that performs settlement so as to deposit the reserve money in the affiliated merchant store;

The billing program or application is woken up according to the frequency of the beacon registered at the merchant affiliated to use the vehicle maintenance fee and is scanned or read by the merchant unique code of the affiliated merchant terminal, A merchant terminal for requesting settlement by inputting a settlement amount corresponding to the vehicle maintenance fee, and using the reserve at the advertised merchant;

A terminal registration unit for registering a terminal and a vehicle for payment of a vehicle maintenance fee or a reserve from the business entity terminal and issuing a unique code of an affiliate merchant and an affiliated merchant of the affiliated merchant store and registering an affiliated merchant terminal and an advertised merchant terminal of the affiliated merchant, Determining whether the settlement request or the payment request is transmitted to the affiliate bank server from a card linked to the virtual account of the business entity and the payment program or application of the business entity, A payment agent service providing server for transmitting approval or disapproval to the affiliated merchant terminal or the advertised merchant terminal and setting the amount used by the provider to the affiliated merchant terminal or the advertised merchant terminal;

A posting advertisement and a virtual account-linked vehicle maintenance cost management service providing system.
The method according to claim 1,

Wherein the settlement service providing server collects a result of analyzing a settlement event occurring in the business entity terminal from the settlement service providing server before and after the settlement of the vehicle maintenance fee, and, when the collected result matches the settlement event, An advertisement server for transmitting an advertisement request to a settlement agency service providing server and transmitting information of an advertised merchant that is an object of the advertisement to the settlement agent service providing server to induce the provider terminal to use the reserve at the advertised merchant server ;

Wherein the posting advertisement and the virtual account-linked vehicle maintenance cost management service provision system further comprise:
3. The method of claim 2,

Wherein the billing event occurring before and after the payment of the vehicle maintenance fee is analyzed by at least one big data analysis algorithm included in the big data collected by the billing agent service providing server system.
3. The method of claim 2,

Wherein the payment agent service providing server requests the advertisement fee to the advertiser server associated with the advertised merchant store and receives payment when the payment event and the reserve use of the merchant terminal occur at the merchant terminal. Advertisement and virtual account linked vehicle maintenance management service provision system.
The method according to claim 1,

Wherein the affiliate bank server automatically interlocks with a loan of a prepaid amount when the deposit is not made from the business entity.
A method for providing post-pay advertisement and a virtual account-linked vehicle maintenance cost management service executed in a payment agent service providing server,

The method comprising the steps of: mapping a virtual account assigned and issued by at least one affiliate bank server to a provider terminal that is a terminal of the provider;

Registering a card mapped with the virtual account and a vehicle identification code from the business entity terminal and accumulating a deposit corresponding to the vehicle maintenance fee used in the affiliated merchant terminal in the business entity terminal in the virtual account;

Collecting before and after settlement events using the vehicle maintenance cost in the business entity terminal, and collecting and analyzing big data;

Collecting an advertisement for an advertisement merchant that is an advertisement object from at least one advertiser server based on the analysis result, and transmitting the advertisement to the business entity terminal;

When the use of the reserve money is requested from the business entity terminal, the reserve fund is withdrawn from the virtual account, and approval of the payment approval is made so as to be paid to the affiliate merchant terminal; And

Transmitting a settlement request to the at least one advertiser server based on usage of the reserve and an advertisement fee according to a payment event of the business entity terminal to the affiliate merchant terminal;

And a method for providing a postal advertisement and a virtual account-linked vehicle maintenance cost management service.
The method according to claim 6,

The big data conversion and analysis is performed based on the location of the gas station using the vehicle maintenance cost, the type of gas station, the type of vehicle, the type of vehicle, the type of vehicle, the number of vehicles per company, the total usage amount, the location of the head office of the business site, At least one, or at least one combination,

Wherein the data collected for the big dataization is added, deleted, edited or updated periodically or in real time.