WO2020009301A1 - Procédé de mercatique de distribution de bénéfices de ventes de produits et système associé - Google Patents

Procédé de mercatique de distribution de bénéfices de ventes de produits et système associé Download PDF

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Publication number
WO2020009301A1
WO2020009301A1 PCT/KR2019/000967 KR2019000967W WO2020009301A1 WO 2020009301 A1 WO2020009301 A1 WO 2020009301A1 KR 2019000967 W KR2019000967 W KR 2019000967W WO 2020009301 A1 WO2020009301 A1 WO 2020009301A1
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WIPO (PCT)
Prior art keywords
card
tree structure
profit
virtual currency
prepaid card
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PCT/KR2019/000967
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English (en)
Korean (ko)
Inventor
전지훈
Original Assignee
전지훈
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Priority claimed from KR1020180077421A external-priority patent/KR101941276B1/ko
Priority claimed from KR1020180077613A external-priority patent/KR101941275B1/ko
Application filed by 전지훈 filed Critical 전지훈
Publication of WO2020009301A1 publication Critical patent/WO2020009301A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to a merchandise sales profit distribution marketing method and a system thereof, and more particularly, when a purchase of goods, the number of recharge accounts set according to the goods is formed by forming a unit block in a tree structure to distribute the profits to the recharge charge account.
  • a unit block is made per purchase, which is layered into the charge account of the upper hierarchy and the tree structure, and the log is connected to the upper and lower hierarchies, or when the inner orders of each hierarchy are matched.
  • the present invention relates to a method for selling profits by distributing and charging profits, and a method of operating an app linked with a QR code and a fingerprint card.
  • the distribution of an item is performed by the seller of the item at a predetermined price, and the seller resells the item to the buyer at the price of the purchased item plus the cost of distribution, storage, and sales, plus sales profits. It is done by The sale of such products has traditionally been mainly in retail stores such as dealerships, stores, discount stores, department stores, etc., and sellers issue coupons corresponding to a certain percentage of the sales of goods, or a certain discount rate for continuous or mass trading customers. Efforts will be made to maintain a consistent transaction between the buyer and seller of the product, for example by selling the product.
  • Point earning system is usually to allow members to accumulate through the way of purchasing the product directly, but it is also proposed to provide a certain point to the recommender when the recommendation member purchased the goods by recommending other members.
  • This multi-level approach allows customers who have already joined as members to take advantage of the network ripple effect of infinite chain recommendation methods by introducing and delivering differentiated quality and value to other members, such as the economics and excellence of services. It divides the amount evenly or differentially according to the level of Rado and pays it to the members in that level. As a result, the rewards that should be given to the customer who purchased the product are concentrated on the recommender, thereby reducing the profits of the customer who purchases the product, thereby preventing the actual customer's desire to purchase the product.
  • FIG. 14 is a block diagram showing the configuration of a QR code generation system using a smart phone application according to the prior invention
  • Figure 15 is a QR code using the QR code generation system using a smart phone application according to the prior invention
  • the user first downloads an application provided by the service provider 10aa directly using any one of the Internet, Wi-Fi network, and mobile communication network through a computer or a smart phone, and activates the downloaded application. S10) is performed.
  • the user After downloading the application through the tenth step (S10), the user performs a customer authentication information providing step (S20) for providing customer authentication information (user data authorization) through the smart phone 20aa.
  • the service provider 10aa performs a reward service card number generation step (S30) of generating a reward service card number based on the customer authentication information.
  • the company In the thirtieth step (S30), the company generates a card number and performs a card number transmission step (S40) for transmitting the card number to the user's smart phone 20aa.
  • the user authentication data transmitted from the smart phone 20aa and the card number data transmitted from the company are encrypted and transmitted in a mutually agreed manner in order to protect from the risk of exposure and hacking.
  • the company When the user data is authorized as above, the company generates a card number based on the user data and downloads it to the smart phone 20aa.
  • a QR code generation step (S50) of generating a QR code based on the downloaded data through the 40 th step (S40) is performed.
  • QR code smartphone storage step (S60) for storing the QR code generated by the application installed on the smart phone 20aa as described above to the smartphone.
  • QR code generated through the above steps can generally be used as a reward service card.
  • Reference numeral 30aa is a merchant
  • 40aa is a 2D barcode scanner or QR code reader
  • 5aa is a value-added communication network
  • 60aa is a communication network.
  • the new member registration method select the name of the new issuing company, and specify the fields and terms and conditions for identity verification (name, social security number, mobile phone number, address, etc.) on a predetermined registration form upon request of the company.
  • a pop-up window is opened, which is divided into terms and conditions for the service provider 10aa.
  • the user inputs the information in the corresponding space, checks the agreement box and transmits the input information in a manner determined by each other.
  • the smart phone transmits the information input by the user to the company, and transmits a dedicated card number to the smart phone based on the transmitted information.
  • the authentication data transmitted from the smart phone 20aa and the card number data transmitted from the company are encrypted and transmitted in a mutually agreed manner in order to protect them from the risk of exposure and hacking.
  • data transmission is performed through a mobile communication network set by a user, which may be a WI-FI network, 3G, or 4G.
  • the encrypted card number received from the smartphone enters a barcode generation program and generates a card number as a QR code image.
  • the barcode image is placed along with the company image (based on the card issuer's criteria) previously selected, and the generated image is automatically stored in My Menu in the application.
  • T-money which is used for simple micropayment or used for various financial settlement means, used for purchasing the article of the present invention
  • FIG. 16 is a block diagram of the entire system for implementing the T-money invention according to the prior invention
  • Figure 17 is a block diagram of the configuration of a smart terminal according to the T-money invention according to the prior invention.
  • the mobile terminal can perform the NFC service.
  • NFC Near Field Communication
  • a mobile terminal equipped with an NFC module reads information from an NFC tag or transmits and receives information with another portable terminal equipped with an NFC module.
  • the mobile terminal executes a predetermined specific application capable of reading the information of the NFC tag, and recognizes the NFC tag through the specific application.
  • Information stored in the NFC tag can be read (Patent No. 10-2014-0092114).
  • NFC Near Field Communication
  • RFID radio tag
  • NFC Near Field Communication
  • RFID radio tag
  • a non-contact communication technology using a frequency band of 1356MHz is a next-generation short-range communication technology that attracts attention because of its relatively high security and low cost because of its short communication distance. Because both data reading and writing functions can be used, readers were not required for RFID, and similar to conventional short-range communication technologies such as Bluetooth, but there is an advantage that no device-to-device setting is needed like Bluetooth.
  • An NFC terminal equipped with the NFC chip may transmit data in a non-contact manner with a mobile phone, a home appliance, a PC, an NFC card, etc., and perform various functions such as a traffic card function without touching the terminal.
  • NFC technology is being combined with smartphones as smartphones become popular, and technologies that are used for various services such as mobile payment and information transmission have been developed.
  • the NFC terminal user finds and runs an available application before reading the tag information from the NFC tag, and then reads the tag information from the NFC tag using an NFC reader.
  • Patent Document 10-2013-0021883 a technology for automatically selecting and executing an application program corresponding to tag information read from an NFC tag in an NFC terminal has been proposed.
  • the IC card used as a transportation card has a contact IC card in which contacts with a reader and a writer for reading and writing information on the IC chip are exposed on the surface of the card, and an antenna coil and an IC chip are built in a magnetic field. It can be divided into a contactless IC card, which allows simultaneous reading and rewriting of IC chip information with inductive currents induced in the coil as the card passes through, and a combination (integrated) IC card with simultaneous contact and contactless support. .
  • the charging / payment is performed by a contact method, and the payment is possible in a bus / subway and an offline store in a non-contact manner.
  • the entire system for implementing the conventional invention is composed of a T-money card 10, a smart terminal 20 and the terminal control device 30.
  • the T-money card 10 is a conventional T-money transportation card, and includes an RFID chip module including an IC chip 11 for storing charging information of the transportation card and a loop antenna 12 for transmitting and receiving RF signals.
  • an RFID chip module including an IC chip 11 for storing charging information of the transportation card and a loop antenna 12 for transmitting and receiving RF signals.
  • the T-money card 10 may be formed in various forms such as a card form and an accessory form, and includes an RFID tag module in the T-money card 10.
  • an RFID tag module and a smart terminal 20 are mainly used. The explanation will be given based on the data transmission / reception function between the terminals. Therefore, the same reference numeral 10 is used for both the T-money card and the RFID tag module (or T-money tag module).
  • the RFID tag module 10 of the T-money card requires a security card (PerSam) provided by a T-money provider and an issuer to record data on the IC chip 11.
  • PerSam a security card
  • the T-money tag module 10 cannot record other data separately at the time of initial issuance for security reasons.
  • an identification number or tag ID for identifying the T-money tag module 10 is generated and recorded in the IC chip 11.
  • the smart terminal 20 is a portable terminal having computer functions such as a smartphone, a tablet, a tablet PC, a PDA, and the like, and a mobile terminal having an NFC function.
  • the smart terminal 20 includes an NFC antenna 21, an NFC modem or NFC chipset 22, an NFC SIM 23, and a controller 26.
  • input / output devices 24 such as key buttons, cameras, various sensors (input devices), displays, speakers, etc. (output devices), and wireless communication devices.
  • the NFC antenna 21 transmits an RF signal of 1356 MHz and collects a signal of a tag that is read by the transmitted signal.
  • the NFC modem 22 is a modem that transmits and receives data with the T-money tag module of the T-money card 10.
  • the SIM 23 is a Universal IC Card (UICC) or a universal IC card. The SIM 23 stores data transmitted and received by the NFC modem 22, or acquires the stored data by the NFC modem 22 to connect the NFC antenna 21. It can be sent out through.
  • the smart terminal 20 further includes a memory 25 for storing data or a program (application, etc.), and a control unit 26 such as a central processing unit capable of installing and executing an application or the like.
  • the terminal control device 30 is an application (mobile application) for the mobile terminal installed in the smart terminal 20, and is installed in advance or installed in the smart terminal 20 to be installed in the smart terminal 20.
  • An application form of a smartphone may also be an embodiment.
  • the conventional NFC tag has the problem that the same service can be executed or controlled by reading the same NFC tag in another smartphone because the tag content can be set identically.
  • an object of the present invention is to benefit the filling account by filling the number of recharge accounts set according to the article to form a unit block of the tree structure when purchasing the goods
  • the unit blocks per purchase are formed and layered into the charging account of the upper hierarchy and the tree structure, and the log is connected to the upper and lower hierarchy, or when the internal orders of each hierarchy are matched, It is to provide a product sales profit distribution marketing method of distributing and marketing the profit set in the recharge account.
  • the present invention is to provide a control method of a smart terminal by the identification information of the app-driven fingerprint card that can be operated by biometric authentication, such as fingerprint when NFC tag operation.
  • the present invention provides a method for exchanging or trading virtual currency as a point and points as a virtual currency in the application of the merchandise sales profit distribution marketing method of the present invention.
  • a product sales profit distribution marketing method interworking with a QR code and a fingerprint card receives a card number of a prepaid card every time a profit distribution server makes a purchase from a seller terminal. After creating a set number of recharge accounts according to the article based on the card number, form a unit block of a tree structure having two child nodes in one node with the set number, and connect recharge accounts to each node Charging the purchase profit with a virtual currency in a tap charging account; Registering, by the benefit distribution server, a charge account included in the previous block registered in the distribution DB and the unit block in a tree structure to form a lower layer to register in the distribution DB; The profit distribution server connects the unit blocks in a tree structure with the charging accounts at the outermost ends of the upper hierarchy registered in the distribution DB, and if the number is formed, distributes the logarithmic profits to the top charging account of the upper hierarchy.
  • the method of claim 1 is a product sales profit distribution marketing method comprising the; step of charging with a virtual currency in the account charging account of the matched tree structure.
  • the communication management and payment management system transmits a QR (bar) code to the buyer terminal of the payment service subscriber, the buyer terminal stores the QR (bar) code and according to the selection of the payment service subscriber QR (B) displaying a code, and reading the QR (bar) code displayed on the buyer's terminal by reading the QR (bar) code lookup device and inquiring into the communication management and payment management system so that the buyer's terminal can search for the virtuous cycle marketing app.
  • the profit distribution server enters the card number of the prepaid card each time the purchase of goods from the seller terminal Receive, create a set number of charge accounts according to the article based on the card number of the prepaid card, and then set The step of forming the unit block in the tree structure with two child nodes to a node, and by connecting the charge account on each node filled with a virtual currency to buy the tap gains charge account; Registering, by the benefit distribution server, a charge account included in the previous block registered in the distribution DB and the unit block in a tree structure to form a lower layer to register in the distribution DB; The profit distribution server connects the unit blocks in a tree structure with the charging accounts at the outermost ends of the upper hierarchy registered in the distribution DB, and if the number is formed, distributes the logarithmic profits to the top charging account of the upper hierarchy.
  • the method of claim 1 is a product sales profit distribution marketing method comprising the; step of charging with a virtual currency in the account charging account of the matched tree structure.
  • the prepaid card is an app-driven fingerprint card set by the buyer, the fingerprint image scanning step of scanning a fingerprint image from the app-driven fingerprint card to the fingerprint recognition module (S110); A fingerprint image comparison determining step (S120) of comparing the scanned fingerprint image with the user's fingerprint image to determine whether to authenticate the fingerprint; NFC near field wireless communication enabling step (S130) to enable NFC near-field wireless communication when the fingerprint is authenticated; Fingerprint card finger contact determination step (S140) for determining whether the finger is continuously contacted for fingerprint authentication in the fingerprint recognition module; and configured to identify the identification data of the app-driven fingerprint card and the tag command setting step (S150) ; Determining whether the tag of the app driving fingerprint card is read (S160); Reading identification data of the app driving fingerprint card (S170); Retrieving a tag command corresponding to the read identification data (S180); Performing a searched tag command (S190); The product sales profit distribution marketing method comprising a.
  • the profit distribution server when the profit distribution server forms the multi-tree structure of the hierarchical structure by connecting the unit block with the previous block registered in the distribution DB to form a tree structure, the profit distribution server divides the profits of the tree structure.
  • the product sales profit distribution marketing method further comprises the step of charging with a virtual currency to the top of the account charge account.
  • the seller receives the prepaid card 10 provided to the buyer to distribute the merchandise sales profit after the seller sells the goods, and provides the card number of the prepaid card 10 to the profit distribution server 50.
  • Terminal 20 The virtual currency charged in the prepaid card 10 registered in the profit distribution server 50 can be inquired, and a plurality of prepaid cards 10 owned by the buyer are set to be linked with the set representative prepaid card 10.
  • a purchaser terminal 30 When the purchase is made by payment from the seller terminal 20, whenever a purchase is made, the card number of the prepaid card 10 is input and the number of charges set according to the goods is based on the card number of the prepaid card 10.
  • the profit distribution server 50 connects the charging account to the tree structure having two children in one node to form a unit block and charges the purchase profit with the virtual currency in the prepaid card 10. );
  • a distribution DB 40 which registers to form a lower hierarchy by connecting a prepaid card 10 included in a previously registered block (previous block) and a unit block in a tree structure each time an article purchase is made;
  • the unique QR (bar) code of the payment service subscriber is transmitted to the purchaser terminal 30 of the payment service subscriber through the wireless communication network 140 and the SMS network, and the QR (bar) code input from the QR (bar) code inquiry machine 120 is performed.
  • a communication management and payment management system that performs a communication service or payment service based on a code, and is formed of a server 131 of a communication management and payment management system and a communication service database 133 or a payment service database 135 connected thereto ( 130); wherein, the profit distribution server 50 connects the prepaid card 10 included in the previous block registered in the distribution DB 40 and the unit block in a tree structure every time a product purchase is made.
  • the profit distribution server 50 connects the prepaid card 10 included in the previous block registered in the distribution DB 40 and the unit block in a tree structure every time a product purchase is made.
  • Form and register in the distribution DB 40 and if the number is made in a tree structure with the prepaid cards 10 at the outermost ends of the upper hierarchy registered in the distribution DB 40, the top prepaid card 10 of the upper hierarchy is formed.
  • the communication management and payment management system 130 receives the QR (bar) code from the QR (bar) code lookup machine 120
  • the information of the payment service subscribers stored in the payment service database 135 is inquired, and the matching result is transmitted to the QR (bar) code lookup machine 120, and the QR (bar) code lookup machine 120 is A merchandise sales profit distribution marketing system characterized by providing a communication service and a settlement service according to whether or not there is a match.
  • the payment service according to the QR (bar) code lookup 120 is a product sales profit distribution marketing system, characterized in that can be terminated by financial transaction settlement.
  • the profit distribution marketing method is configured to form a unit block in a tree structure in which the number of recharge accounts set according to the item is distributed and recharges the profits in the recharge account.
  • the units are connected to the upper and lower hierarchies, or when the internal orders of each hierarchy are matched, the profits set in the hierarchical charge account of the tree structure are distributed. In this way, the sales profit can be smoothly distributed and the profit can be freely distributed based on the prepaid card without the buyer's information.
  • QR (bar) code displayed on the wireless communication terminal by allowing the user to log in using the QR (bar) code displayed on the wireless communication terminal, there is an effect of enhancing the security that other people cannot use, QR (bar) displayed on the wireless communication terminal
  • QR (bar) displayed on the wireless communication terminal By paying online using a code, it is possible to reduce the costs required for the production of credit cards and the sending of payment notices for credit card usage by unifying the work of telecommunication operators and credit card providers.
  • the QR (bar) code is displayed only when a password is input to the wireless communication terminal, thereby preventing others from stealing the wireless communication terminal and improving stability.
  • the identification information of the app-driven fingerprint card is a unique code, even if the other smart terminal recognizes the identification information, there is no confusion. Eliminating effect is obtained
  • the present invention is also possible by a variety of additional services using the traffic card while maintaining security by incorporating a traffic card such as T-MONEY to the above technology.
  • a traffic card such as T-MONEY
  • Seoul City provides transfer discounts for passengers who use a transportation card based on their identity, and also allows them to earn and redeem miles through partnerships with various point service companies.
  • the virtual currency or the point holder can utilize it freely. It is.
  • FIG. 1 is a block diagram showing a device sales profit distribution apparatus according to an embodiment of the present invention.
  • FIG. 2 is a flow chart for explaining a merchandise sales profit distribution marketing method according to an embodiment of the present invention.
  • FIG. 3 is an exemplary view showing a tree structure in which three prepaid cards are unit blocks according to the merchandise sales profit distribution marketing method according to an embodiment of the present invention.
  • Figure 4 is an exemplary view showing a tree structure in which 31 prepaid cards are unit blocks by the merchandise sales profit distribution marketing method according to an embodiment of the present invention.
  • FIG. 5 is a schematic configuration diagram of a system for executing a communication service and a payment method using a purchaser (wireless communication) terminal according to the present invention.
  • FIG. 6 is a flowchart illustrating the payment service subscription step of FIG. 5 in more detail.
  • FIG. 7 is a flowchart illustrating the payment means providing step in FIG. 5 in more detail.
  • FIG. 8 is a block diagram of an entire system for implementing an app-driven fingerprint card of the present invention
  • FIG. 9 is a block diagram of the configuration of a smart terminal according to the app-driven fingerprint card of the present invention.
  • FIG. 11 is a block diagram showing the configuration of a virtual currency transaction server in a smart terminal according to the present invention.
  • FIG. 14 is a block diagram showing the configuration of a QR code generation system using a smartphone application according to the prior invention
  • 15 is a flowchart illustrating a process of generating a QR code using a QR code generation system using a smart phone application according to the prior invention.
  • FIG 16 is a block diagram of an entire system for implementing the T-money invention according to the prior invention
  • 17 is a block diagram of the configuration of a smart terminal according to the invention T-money according to the prior invention
  • FIG. 1 is a block diagram showing a device sales profit distribution apparatus according to an embodiment of the present invention.
  • an apparatus for selling profits of an article may include a purchaser terminal 30 including a seller terminal 20 and a profit distribution server 50.
  • the seller terminal 20 receives the prepaid card 10 provided to the buyer for distributing the merchandise sales profit after the seller sells the goods and provides the card number of the prepaid card 10 to the profit distribution server 50. Can be.
  • the purchaser terminal 30 may query the virtual currency charged in the prepaid card 10 registered in the profit distribution server 50, and the representative prepaid card 10 set a plurality of prepaid cards 10 held by the buyer. It can also be set to work together.
  • the set representative prepaid card 10 may be set as a fingerprint type prepaid card with enhanced security.
  • a payment request is made to the profit distribution server 50 in order to make payment using a virtual currency charged in the prepaid card 10.
  • the prepaid card 10 may request a currency exchange of a virtual currency.
  • the profit distribution server 50 receives the card number of the prepaid card 10 whenever a purchase is made from the seller terminal 20 and receives the goods, based on the card number of the prepaid card 10. After creating a set number of recharge accounts according to the goods, connect the recharge account to the tree structure having two children in one node to form a unit block, and the purchase profit is converted into virtual currency to the prepaid card 10. Can be charged.
  • charging the virtual currency to the prepaid card means charging the virtual currency to the charging account generated based on the card number of the prepaid card.
  • the profit distribution server 50 connects the prepaid card 10 included in the previous block registered in the distribution DB 40 and the unit block in a tree structure every time an article purchase is made to form a lower hierarchy to form a distribution DB ( 40), and if the number is made up of the prepaid card 10 and the tree structure at the outermost ends of the upper hierarchy registered in the distribution DB 40, the algebraic profit is distributed to the top prepaid card 10 of the upper hierarchy. You can also charge with virtual currency.
  • the profit distribution server 50 if the order is matched in the tree structure with the prepaid card 10 of the outermost layer of the upper hierarchy registered in the distribution DB 40, the top of the card prepaid card 10 of the order matched ), The matching profit may be distributed and charged with virtual currency.
  • the profit distribution server 50 connects the previous block and the unit block registered in the distribution DB 40 in a tree structure, when a multi-tree structure of a hierarchical layer is formed, the top prepaid card 10 of the top hierarchy of the tree structure 10 is formed. ), You can distribute rank profits and charge them with virtual currency.
  • the hierarchies may be set differently according to ranks in order to distribute rank gains.
  • the profit distribution server 50 is charged in the number of prepaid cards 10 provided in accordance with the product purchase in conjunction with the representative prepaid card set by the buyer for the prepaid card 10 registered in the distribution DB (40) It can be managed by integrating the cryptocurrency into the representative prepaid card set by the buyer, requesting payment after purchasing goods or goods in the online shopping mall 60 from the purchaser terminal 30, or converting the virtual currency into cash. In order to request a currency exchange, the virtual currency charged through the representative prepaid card 10 set by the buyer may be paid according to the conversion ratio and paid and deducted.
  • FIG. 2 is a flowchart illustrating a method for marketing a product sales profit distribution according to an embodiment of the present invention
  • FIG. 3 is a three prepaid card unit block according to the method for marketing a product sales profit distribution according to an embodiment of the present invention
  • 4 is an exemplary view showing an in-tree structure
  • FIG. 4 is an exemplary view showing a tree structure in which 31 prepaid cards are unit blocks according to an article sales profit distribution marketing method according to an embodiment of the present invention.
  • the profit distribution server 50 inputs the card number of the prepaid card 10 according to the settlement from the seller terminal 20. Based on the card number, the charge account of B1, B2, and B3 is set, and the charge account is connected to the node to form a unit block B of a tree structure (S10).
  • the tree structure is preferably a structure having two children for each node.
  • the three hierarchical accounts are formed in a tree structure based on a unit block having a tree structure connected to nodes according to the purchase of goods.
  • 31 recharge accounts form a tree structure based on a unit block having a tree structure connected to nodes according to a purchase of a product, the same can be applied in the profit distribution method.
  • a virtual circulation marketing app that can be driven by programming a product sales profit distribution marketing
  • step S10 after forming the unit block of the tree structure according to the purchase of goods, the profit distribution server 50 distributes the purchase profit and charges the virtual currency to the B1 prepaid card 10, which is the prepaid card 10 of the unit block. (S20).
  • charging the virtual currency to the prepaid card means charging the virtual currency to the charging account generated based on the card number of the prepaid card.
  • the profit distribution server 50 After distributing the purchase profit to the unit block in step S20, the profit distribution server 50 is connected to the prepaid card 10 included in the previous block registered in the distribution DB 40 in a tree structure to form a lower hierarchy to distribute the distribution DB Register at 40 (S30).
  • a lower layer may be formed by connecting the unit block B in a tree structure with the A2 prepaid card 10 included in the first previous block A in a tree structure.
  • the unit block E is connected by a tree structure with the A3 prepaid card and the tree structure included in the first previous block A to form a lower hierarchy, or the unit block is made with the A2 prepaid card and the tree structure. You can connect C in a tree structure to form a lower hierarchy.
  • the profit distribution server 50 is the prepaid card 10 and the tree structure of the outermost both ends of the upper layer registered in the distribution DB (40) It is determined whether the logarithm is formed (S40).
  • the unit block B is connected to the first A2 prepaid card 10 and the unit block E is connected to the A3 prepaid card 10 to form the second generation.
  • unit blocks may be connected to the 16 prepaid card 10 and the 31 prepaid card 10 in a tree structure, respectively, to determine whether the next generation number is formed.
  • the profit distribution server 50 distributes the logarithmic profit and charges the top prepaid card 10 of the upper layer with virtual currency (S50).
  • the algebraic profit may be distributed and charged to the A1 prepaid card 10 of the unit block A of the upper tier.
  • the algebraic profit is the first prepaid card 10, which is the upper tier. ) To be charged.
  • the profit distribution server 50 in the 'virtual circulation marketing app' is the outermost prepaid card 10 of the upper layer registered in the distribution DB (40) It is determined whether the orders match with the tree structure (S60).
  • the unit block C forms a tree structure with the A2 prepaid card of the previous block A while the A2 prepaid card 10 matches the order of the unit block B and the unit block C.
  • FIG. 3 the unit block C forms a tree structure with the A2 prepaid card of the previous block A while the A2 prepaid card 10 matches the order of the unit block B and the unit block C.
  • the profit distribution server 50 distributes the matching profit to the top prepaid card 10 of the ordered tree structure Charge with virtual currency (S70).
  • the unit block B and the unit block C are matched by the order of the unit block A to match the A2 prepaid card 10, which is the top prepaid card 10 of the tree structure whose order is matched. Profit is distributed and filled.
  • step S60 If it is determined in step S60 that the order is matched and the degree is not matched, the profit distribution server 50 returns to step S10 to form a unit block according to the new purchase.
  • step S50 After charging the logarithmic profit in step S50, and the matching profit in step S70 and the profit distribution server 50 returns to step S10 to form a unit block according to the new purchase.
  • the profit distribution server 50 connects the previous block registered in the distribution DB 40 and the unit block in a tree structure to determine whether a multi-tree structure of a set hierarchy is formed, and when the tree structure is formed, the highest level of the tree structure.
  • the rank prepaid card 10 of the hierarchy may be charged with virtual currency.
  • the profit distribution server 50 may use the virtual currency charged in the prepaid card 10 integrated with each other by interlocking with the representative prepaid card set by the buyer for the prepaid card 10 registered in the distribution DB (40). You can also do that.
  • the representative prepaid card set by the buyer may be set as a fingerprint type prepaid card with enhanced security.
  • the profit distribution server 50 in the 'pre-circulation marketing app' not only query the virtual currency charged in the prepaid card 10 linked through the representative prepaid card, although payment and currency exchange can be performed, the prepaid card 10 can be interlocked so that only the charged virtual currency can be inquired and payment and exchange can not be made.
  • the profit distribution server 50 converts the virtual currency charged in the prepaid card 10 set by the requesting buyer according to the conversion ratio and pays and deducts it. have.
  • the merchandise sales profit distribution marketing method when purchasing the goods, the number of recharge accounts set according to the goods is formed in a tree structure unit block to distribute the profits to the recharge account
  • a unit block is made per purchase, which is layered into a charge account of a higher hierarchy and a tree structure, and a log is connected to upper and lower hierarchies, or when the inner orders of each hierarchy are matched,
  • a smooth distribution of the sales profit can be achieved, and the profit can be freely distributed based on the prepaid card without the buyer's information.
  • the following describes a method of applying a QR code applied to the product sales profit distribution marketing method of the present invention.
  • FIG. 5 is a schematic configuration diagram of a system for executing a communication service and a payment method using a purchaser (wireless communication) terminal according to the present invention
  • FIG. 6 is a view illustrating the payment service subscription step in FIG. 5 in more detail
  • 7 is a flowchart illustrating the payment means providing step of FIG. 5 in more detail.
  • the present invention relates to a communication service and a payment method using a purchaser (wireless communication) terminal, the communication management and payment management system transmitting a QR (bar) code to the purchaser (wireless communication) terminal of the payment service subscriber, and A buyer (wireless communication) terminal storing the QR (bar) code and displaying a QR (bar) code according to a payment service subscriber's selection, and a QR (bar) code displayed on the buyer (wireless communication) terminal Log in the app while maintaining security by unifying the business of the carrier and the purchase and sales operators, including the steps of reading the QR (bar) code lookup and querying the communication management and payment management system for service and payment.
  • FIG. 5 is a schematic configuration diagram of a system for executing a communication service and a payment method using a purchaser (wireless communication) terminal according to the present invention
  • the purchaser terminal 30, a QR (bar) code query device 120 and , Communication management and payment management system 130, the purchaser terminal 30 and the communication management and payment management system 130 are connected to each other via a wireless communication network 140
  • QR (bar) code query ( 120 and the communication management and payment management system 130 are connected to each other through a wired / wireless communication network.
  • the payment method refers to a financial transaction payment method using a QR (bar) code (hereinafter, the same)
  • the communication management and payment management system 130 of the present invention is a unique QR (bar) of the payment service subscriber to the purchaser terminal 30 of the payment service subscriber via the wireless communication network 140, preferably, the SMS network (Shot Message Service network).
  • the SMS network Hot Message Service network
  • the server 131 of the communication management and payment management system includes an operation program for operating the communication management and payment management system 130, and the communication service database 133 includes various data for managing a wireless communication service subscriber. Is stored, and the payment service database 135 stores various data for managing a payment service subscriber.
  • the purchaser terminal 30 receives a QR (bar) code transmitted from the communication management and payment management system 130 and stores it in a designated memory, and displays a QR (bar) code stored in the memory when a payment mode is selected. Is displayed on the screen.
  • the QR (bar) code inquiry machine 120 reads the QR (bar) code displayed on the display device of the purchaser terminal 30 as described above to query and payment to the communication management and payment management system 30 It is supposed to make a request.
  • a wireless communication service subscriber applies for subscription to a payment service.
  • the wireless communication service subscriber is a buyer (wireless communication). Fill out various personal information including the phone number and credit information of the terminal and apply for subscription to the payment service.
  • the communication management and payment management system 130 determines whether the purchaser terminal 30 of the payment service subscription applicant is registered in advance, if not registered in advance payment service subscription procedure (S312, S313).
  • the payment service subscriber file generation step if the buyer terminal 30 is registered in advance, the payment service subscriber file is generated in the payment management database 135 based on the personal information inputted by the payment service subscription applicant. (S314)
  • QR (bar) code generation and transmission step it generates a QR (bar) code information and transmits it to the purchaser terminal 30 through the SMS network 140.
  • QR (bar) code information receiving and storing step the buyer terminal 30 receives the QR (bar) code information through the SMS network 140 Store in memory (S321, S322).
  • the payment service subscriber selects the QR use (payment) mode by operating the purchaser terminal 30, the purchaser terminal 30 displays a message for inputting the password on the display device (S323).
  • the payment service subscriber operates the purchaser terminal 30 to input a password. (S324 to S325).
  • the password is registered by the payment service subscriber in advance in the purchaser terminal 30, if the password does not match each other, the purchaser terminal 30 does not display the QR (bar) code information and the password does not match Display warning (S327)
  • the purchaser terminal 30 displays the QR (bar) code information stored in the memory on the display device (S326).
  • QR (bar) code search step if the QR (bar) code information stored in the memory in the QR (bar) code information display step is displayed on the display device, the QR (bar) in the buyer terminal 30
  • the code inquiry machine 120 reads the displayed QR (bar) code information and inquires the QR (bar) code to the communication management and payment management system 130.
  • the communication management and payment management system 130 receives the QR (bar) code to query the information of the payment service subscriber stored in the payment service database 135, the query result And, if the match is transmitted to the QR (bar) code lookup 120, the QR (bar) code lookup 120 performs a communication service and payment method according to the match (S328).
  • the communication service refers to a service to be logged in to the app of the virtuous cycle marketing of the present invention.
  • the QR (bar) code lookup machine 20 receives the inquiry result and displays a warning message when there is a mismatch.
  • FIG 8 is a block diagram of the entire system for implementing an app-driven fingerprint card of the present invention
  • Figure 9 is a block diagram of the configuration of a smart terminal according to the app-driven fingerprint card of the present invention
  • Figure 10 is in accordance with the present invention It is a state diagram of the configuration of the fingerprint card and the smart terminal.
  • the entire system for implementing the present invention is composed of an app-driven fingerprint card 10, smart terminal 20 and the terminal control device 30.
  • the app driving fingerprint card 10 includes an RFID chip module including an IC chip 11 storing card charging information and the like, and a loop antenna 12 transmitting and receiving RF signals.
  • the smart terminal When the app driving fingerprint card 10 is close to the smart terminal, communication is performed between the smart terminal and the IC chip through the loop antenna 12. Therefore, the smart terminal reads the information stored in the IC chip 11, processes the data, and stores the information again in the IC chip.
  • the IC chip is turned on to form a circuit capable of transmitting a signal.
  • the app driving fingerprint card 10 may be formed in various forms such as a card form and an accessory form, and includes an RFID tag module in the app driving fingerprint card 10.
  • the same reference numeral 10 is used for both the app-driven fingerprint card and the RFID tag module (or NFC tag module).
  • RFID tag module 10 of the app-driven fingerprint card must have a security card (PerSam) and the issuer provided by the provider, can record the data on the IC chip (11).
  • PerSam PerSam
  • the NFC tag module 10 cannot record other data separately at the time of initial issuance for security reasons.
  • an identification number or tag ID for identifying the NFC tag module 10 is generated and recorded in the IC chip 11.
  • the smart terminal 20 is a portable terminal having computer functions such as a smartphone, a tablet, a tablet PC, a PDA, and the like, and a mobile terminal having an NFC function.
  • the smart terminal 20 includes an NFC antenna 21, an NFC modem or NFC chipset 22, an NFC SIM 23, and a controller 26.
  • an input / output device 24 such as a touch screen, a key button, a camera, various sensors or the like (input device), a display, a speaker or the like (output device), or a wireless communication device is provided.
  • the NFC antenna 21 transmits an RF signal of 1356 MHz and collects a signal of a tag that is read by the transmitted signal.
  • the NFC modem 22 transmits and receives data with an NFC tag module of an app-driven fingerprint card 10. to be.
  • NFC SIM 23 is a Universal IC Card (UICC) or a universal IC card, and stores the data transmitted and received by the NFC modem 22, or the stored data is obtained by the NFC modem 22, NFC antenna 21 Can be sent out through the.
  • UICC Universal IC Card
  • the smart terminal 20 is configured to further include a memory 25 for storing data or programs (applications, etc.) and a control unit 26, such as a central processing unit that can be installed and run applications.
  • a memory 25 for storing data or programs (applications, etc.)
  • a control unit 26 such as a central processing unit that can be installed and run applications.
  • the terminal control device 30 is an application (mobile application) for the mobile terminal installed in the smart terminal 20, and is installed in advance or installed in the smart terminal 20 to be installed in the smart terminal 20.
  • An application form of the smartphone may also be an embodiment
  • the terminal control device 30 checks whether the NFC tag module 10 is recognized through the NFC modem 22, and when the NFC tag module 10 is recognized, identification data such as ID of the NFC tag from the NFC tag module 10. Read
  • the terminal control device 30 includes a mapping table for personal identification data and corresponding execution instructions (or tag instructions), and performs execution instructions (or tag instructions) corresponding to the read personal identification data.
  • mapping table which pairs personally identifiable data (such as identification numbers) and tag instructions, is preset.
  • the execution command or the tag command is a command executed by the tag identification information to be read and is a command that can be executed in the smart terminal 20 or a set of commands (set).
  • the tag command is a command for performing a specific task in the smart terminal 20.
  • the tag command is a command for executing a specific mobile application (app, etc.) or the web, or a command for changing a setting in the smart terminal 20.
  • a specific URL installed in the smart terminal 20 is executed, or a web browser is executed and a specific web or URL (uniform resource locator) is visited.
  • a frequently used app such as KakaoTalk, Naver or execution of the web may be registered as a tag command or a URL to be visited or executed may be registered.
  • a URL for visiting a service or a homepage for a company's publicity or event event may be registered.
  • FIG. 10 is a state diagram used for the configuration of the fingerprint card and the smart terminal according to the present invention.
  • the selected application (mobile application) is operated.
  • Functions of the smart phone application may include 1) cash payment, 2) check card and debit card function, 3) electronic prepaid currency, 4) transportation card.
  • FIG. 11 is a block diagram illustrating the configuration of a virtual currency transaction server in a smart terminal according to the present invention.
  • the virtual currency trading server 3100a is a device for operating a virtual currency exchange, and may exist as a different server for each exchange, interworking with the payment server 4500a, and a fingerprint as a payment means.
  • the payment request amount is checked from the payment server 4500a, and the corresponding payment request amount is paid to the payment account 3200a of the fingerprint coin accumulation card 6500, and the corresponding payment request amount You can subtract as many cryptocurrencies as you have from them.
  • the virtual currency transaction server 3100a prepays the deposit account of the deposit account managed by the virtual currency transaction server 3100a before the sale of the deducted virtual currency, or the virtual currency deducted when the payment request is made. It can be paid by the amount sold, or the total amount of payment request amounts can be settled on a predetermined date.
  • the virtual currency transaction server 3100a implemented in a similar system as shown in the prior patent registration No. 10-1813256, payment request information confirmation unit 3101, virtual currency conversion unit 3102, virtual currency deduction unit 3103, a payment request amount payment unit 3104, a payment request amount settlement unit 3105, a virtual currency selling limit limiter 3106, a fee automatic payment unit 3107, and a point manager 3108. can do.
  • the payment request information confirming unit 3101 may receive and confirm identification information, payment account, and payment request amount of a fingerprint coin earning card from a payment server when a payment request is generated by the fingerprint coin earning card 6500. .
  • the virtual currency converting unit 3102 may convert the payment request amount into virtual currency according to the price of the virtual currency. For example, suppose that at the time of payment request, 5,000 won per 1 bitcoin, the payment request amount is 10,000 won, and the user currently holds 10 bitcoin, the payment request amount is about 2 bits according to the price. It can be converted into coins.
  • the virtual currency subtraction unit 3103 may subtract a certain portion of the virtual currency held by the user as much as the virtual currency converted through the virtual currency conversion unit 3102.
  • the payment request amount payment unit 3104 is a deposit of the deposit account held by the virtual currency transaction server 3100a before selling the virtual currency deducted through the virtual currency deduction unit 3103 to the third party. May be prepaid to the user's payment account (3200a).
  • the payment request amount settlement unit 3105 sells the virtual currency deducted through the virtual currency deduction unit 3103 to a third party, and deposits the amount of the virtual currency sold back into the deposit account in the payment account 3200a. It can be settled by recovering the amount paid.
  • the virtual currency selling limit limiter 3106 converts the real-time total amount of the payment request amount into virtual currency through the virtual currency converting unit 3102 when the payment is made using any one of a credit card and a mobile payment means. In order to prevent users from selling their own cryptocurrency as much as the existing cryptocurrency, it is possible to temporarily limit the cryptocurrency sales limit.
  • the fee automatic payment unit 3107 may be paid by deducting a certain fee according to the payment request amount into virtual currency through the virtual currency deduction unit 3103.
  • the point management unit 3108 upon completion of settlement through the settlement request amount settlement unit 3105, pays the user a point at a predetermined rate for the settlement request amount, and if the points are accumulated more than a predetermined value, the point is converted into virtual currency. Can be converted and provided.
  • the cryptocurrency trading server 3100a may be operated as a different server for each cryptocurrency exchange, and the virtual currency charged in any cryptocurrency exchange is subtracted depending on which cryptocurrency exchange a user uses. Can be determined. In addition, when a user uses a specific cryptocurrency exchange, it may be determined which virtual currency is deducted according to which cryptocurrency the exchange holds.
  • a coin sales quantity and price input step of allowing a coin holder ( virtual currency) to input a sales quantity and a price of a coin requesting a transaction to a point holder in the smartphone (S3002);
  • Point holder coin payment (conditional) deposit step (S3003) conditionally inputting the money to the bank account of the Coin ( virtual currency) holder Point wanting the coin transaction (S3003);
  • a selling price coincidence determining step (S3004) for determining whether the amount of money deposited in the point holder coin payment step (S3003) on the smartphone coincides with the amount presented by the Coin ( virtual currency) holder;
  • Money transmission and authentication (biological information) signal input step (S3006);
  • the authentication signal is a concept including not only a numeric signal such as a password, a password, an OTP reply number, but also an enter signal. Hereinafter, it is the same.
  • the biological information includes fingerprint or / and finger vein information, iris information, and face information.
  • a point selling quantity and price input step of allowing a point holder to input a selling quantity and a price of a coin requesting a transaction to a Coin ( virtual currency) holder in the smartphone (S4002);
  • a coin quantity matching step (S4004) for determining whether the coin transmitted in the coin ( virtual currency) holder coin (conditional) transmission step (S4003) in the smartphone coincides with the quantity presented by the point holder;
  • the authentication signal is a concept including not only a numeric signal such as a password, a password, an OTP reply number, but also an enter signal. Hereinafter, it is the same.
  • the biological information includes fingerprint or / and finger vein information, iris information, and face information.

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Abstract

La présente invention concerne un système de mercatique de distribution de bénéfices de ventes de produits et un procédé associé, le système fonctionnant en interaction avec des codes QR et des cartes à empreintes digitales, et le procédé comportant les étapes lors desquelles: un serveur de distribution de bénéfices reçoit un numéro de carte d'une carte prépayée chaque fois qu'un achat d'un produit est effectué à partir d'un terminal de vendeur, génère un nombre fixé de comptes d'imputation pour chaque produit sur la base du numéro de carte de la carte prépayée, puis forme un bloc d'unité en reliant les comptes d'imputation à des nœuds dans une structure arborescente comprenant deux enfants dans un seul nœud, et impute un bénéfice d'achat avec une monnaie virtuelle à un compte d'imputation racine; le serveur de distribution de bénéfices relie un compte d'imputation compris dans un block précédent inscrit dans une BD de distribution et le bloc d'unité dans une structure arborescente pour former une couche inférieure afin de l'inscrire dans la BD de distribution; et lorsqu'une algèbre est formée, dans une structure arborescente, à partir des comptes d'imputation aux deux extrémités extérieures extrêmes d'une couche supérieure inscrite dans la BD de distribution, ou qu'un degré est mis en correspondance avec des comptes d'imputation internes dans une structure arborescente, le serveur de distribution de bénéfices impute le compte d'imputation racine de chaque structure arborescente mise en correspondance avec la monnaie virtuelle.
PCT/KR2019/000967 2018-07-04 2019-01-23 Procédé de mercatique de distribution de bénéfices de ventes de produits et système associé WO2020009301A1 (fr)

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KR10-2018-0077421 2018-07-04
KR10-2018-0077613 2018-07-04
KR1020180077421A KR101941276B1 (ko) 2018-07-04 2018-07-04 물품 판매 이익 분배 마케팅 방법
KR1020180077613A KR101941275B1 (ko) 2018-07-04 2018-07-04 앱 구동 지문카드에 연동되는 선순환 마케팅 방법

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