WO2023210845A1 - Procédé et dispositif terminal pour fournir des informations d'avantage à l'aide d'informations concernant une carte de crédit - Google Patents

Procédé et dispositif terminal pour fournir des informations d'avantage à l'aide d'informations concernant une carte de crédit Download PDF

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Publication number
WO2023210845A1
WO2023210845A1 PCT/KR2022/006186 KR2022006186W WO2023210845A1 WO 2023210845 A1 WO2023210845 A1 WO 2023210845A1 KR 2022006186 W KR2022006186 W KR 2022006186W WO 2023210845 A1 WO2023210845 A1 WO 2023210845A1
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WO
WIPO (PCT)
Prior art keywords
information
server device
credit card
customer
unique identifier
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PCT/KR2022/006186
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English (en)
Korean (ko)
Inventor
푹스파벨
이나라
Original Assignee
쿠팡 주식회사
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Publication of WO2023210845A1 publication Critical patent/WO2023210845A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates

Definitions

  • This disclosure relates to a method and terminal device for providing benefit information using credit card information.
  • POS terminal devices typically, stores are equipped with point of sale (POS) terminal devices to manage data about sold products and make payments for sold products.
  • the POS terminal device may be equipped with a card reader for payment with a credit card.
  • VAN value added network
  • the store's POS terminal device transmits a card authorization request to the value added network (VAN) server, and the VAN server sends the card to the card company server.
  • the approval information is transmitted, and the ban company server can receive approval or rejection information for the card approval request from the card company server and transmit it to the store's POS terminal device.
  • VAN value added network
  • the customer's personal information has been requested separately from the payment process.
  • the customer's QR code that can confirm the customer's personal information is recognized by a separate QR code reader, and based on the recognized customer's personal information This allows benefit information to be provided to customers.
  • the customer may be asked to enter a phone number into the POS terminal device, and benefit information may be provided to the customer based on the phone number entered by the customer.
  • a terminal device may include at least one communication circuit, a memory, and a processor connected to communication with a card reader, a first server device, and a second server device.
  • the processor receives credit card information for payment of a specific amount from the card reader, transmits the credit card information to the first server device, and receives the credit card from the first server device.
  • Receive a unique identifier corresponding to information on the card transmit the unique identifier to the second server device, receive customer benefit information corresponding to the unique identifier from the second server device, and based on user input It may be configured to determine whether to apply the benefit information.
  • the benefit information includes discount information
  • the processor in response to determining to apply the discount information, determines the final amount to which the discount information is applied to the specific amount and the unique identifier. 1 Can be configured to transmit to a server device.
  • the benefit information includes loyalty information
  • the processor in response to determining to apply the loyalty information, transmits the specific amount and the unique identifier to the first server device, and It may be configured to transmit applied royalty information to the second server device.
  • the credit card information may include a 16-digit credit card number, and the processor may be configured to encrypt the credit card number and transmit it to the first server device.
  • the unique identifier may be data obtained from the credit card information through an encryption algorithm.
  • the first server device may include at least one bansa server device.
  • the processor may be configured to transmit basic information of the customer holding the credit card to the second server device before receiving the credit card information.
  • the customer's basic information may include at least one of the customer's name, phone number, gender, and age.
  • the processor may be configured to further receive statistical information about the customer's visit, including at least one of the number of visits, average payment amount, and visit period of the customer, from the second server device.
  • the processor may be configured to further receive visitation statistics information about a plurality of customers from the second server device.
  • a method of providing benefit information to a customer using credit card information of a terminal device includes the operations of receiving credit card information for payment of a specific amount from a card reader, An operation of transmitting information to a first server device, an operation of receiving a unique identifier corresponding to the information of the credit card from the first server device, an operation of transmitting the unique identifier to a second server device, the second server device It may include receiving customer benefit information corresponding to the unique identifier from and determining whether to apply the benefit information based on user input.
  • the benefit information includes discount information
  • the method includes, in response to determining to apply the discount information, a final amount to which the discount information is applied to the specific amount and the unique identifier. 1 May include the operation of transmitting to a server device.
  • the benefit information includes loyalty information
  • the method includes, in response to determining to apply the loyalty information, transmitting the specific amount and the unique identifier to the first server device; It may include transmitting the applied royalty information to the second server device.
  • the credit card information includes a 16-digit credit card number
  • the operation of transmitting the credit card information to the first server device includes encrypting the credit card number to the first server device. It may include the action of transmitting to .
  • the unique identifier may be data obtained from the credit card information through an encryption algorithm.
  • the first server device may include at least one bansa server device.
  • the operation of transmitting basic information of the customer who owns the credit card to the second server device may be included.
  • the customer's basic information may include at least one of the customer's name, phone number, gender, and age.
  • the method may further include receiving statistical information about the customer's visit including at least one of the number of visits, average payment amount, and visit period of the customer from the second server device.
  • the method may further include receiving visit statistics information about a plurality of customers from the second server device.
  • a customer who owns a credit card can be identified even if only the process of paying a specific amount using a credit card is performed. Additionally, benefit information can be provided to identified customers.
  • a cumbersome personal information identification process that must be performed separately from the payment process can be omitted. Additionally, there is no need to provide a separate hardware device to identify customers' personal information.
  • FIG. 1 is a diagram illustrating a system according to various embodiments of the present disclosure.
  • Figure 2 is a block diagram illustrating a terminal device according to various embodiments of the present disclosure.
  • FIG. 3 is an operation flowchart of a system according to various embodiments of the present disclosure.
  • FIG. 4 is a flowchart of the operation of a terminal device according to various embodiments of the present disclosure.
  • FIG. 5 is a flowchart of the operation of a terminal device according to various embodiments of the present disclosure.
  • Figure 6 is an operation flowchart of a second server device according to various embodiments of the present disclosure.
  • Embodiments of the present disclosure are illustrated for the purpose of explaining the technical idea of the present disclosure.
  • the scope of rights according to the present disclosure is not limited to the embodiments presented below or the specific description of these embodiments.
  • unit refers to software or hardware components such as a field-programmable gate array (FPGA) or an application specific integrated circuit (ASIC).
  • FPGA field-programmable gate array
  • ASIC application specific integrated circuit
  • “wealth” is not limited to hardware and software.
  • the “copy” may be configured to reside on an addressable storage medium and may be configured to reproduce on one or more processors.
  • “part” refers to software components, such as object-oriented software components, class components, and task components, processors, functions, properties, procedures, subroutines, Includes segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.
  • the functionality provided within components and “parts” may be combined into smaller numbers of components and “parts” or may be further separated into additional components and “parts”.
  • the expression "based on” is used to describe one or more factors that influence the act or action of decision, judgment, or action described in the phrase or sentence containing the expression, and this expression It does not exclude additional factors that may influence the decision, act or action of judgment.
  • a component when referred to as being “connected” or “connected” to another component, it means that the component can be directly connected or connected to the other component, or as a new component. It should be understood that it can be connected or connected through other components.
  • a system 10 is a diagram illustrating a system 10 according to various embodiments of the present disclosure.
  • a system 10 includes a terminal device 110, a card reader 120, a first server device 130, and a second server device 150. can do.
  • the terminal device 110 may be wired or wirelessly connected to the card reader 120, the first server device 130, and the second server device 150.
  • the terminal device 110 is a POS terminal device 110 (or POS terminal) that can collectively manage sales-related data and collect customer information.
  • the terminal device 110 may be, for example, a POS terminal device 110 that is installed in a store and manages sales of products in the store.
  • a user e.g., store employee, franchise owner, etc.
  • a user may generate order information by entering a customer's order into the terminal device 110.
  • the terminal device 110 may generate order information according to remotely received data.
  • the user can check and manage at least one order information generated through the terminal device 110.
  • the terminal device 110 is installed in a store as an example, but of course, in the case of an online store, it does not necessarily need to be installed in the store.
  • the terminal device 110 may be connected to communication with the card reader 120 and may perform credit card payment using the card reader 120.
  • the terminal device 110 may be wired or wirelessly connected to the card reader 120.
  • the terminal device 110 and the card reader 120 are shown as separate devices, but of course, they can also be integrated and implemented as a single device.
  • the terminal device 110 may request card payment approval from the first server device 130.
  • the first server device 130 may be a value added network (VAN) server and may include at least one VAN server device.
  • VAN value added network
  • the system 10 may identify the customer using credit card information and provide benefit information for the customer before requesting card payment authorization. there is. Afterwards, you can decide whether to apply the benefit information and request card payment approval. A detailed description of the above-mentioned features will be provided later.
  • the first server device 130 may receive credit card information from the terminal device 110.
  • a user e.g., a customer, an employee
  • the card reader 120 can transmit the information of the read credit card to the terminal device 110.
  • the terminal device 110 may transmit credit card information to the first server device 130.
  • the terminal device 110 may encrypt credit card information and transmit it to the first server device 130.
  • Credit card information may include, for example, a 16-digit credit card number.
  • the credit card information may further include, for example, the name or phone number of the customer who holds the credit card.
  • credit cards include not only physical cards, but also cards implemented in software that can be stored in an electronic device (eg, a smartphone).
  • the first server device 130 may use the received credit card information to obtain or confirm a unique identifier corresponding to the credit card information.
  • the first server device 130 may obtain a unique identifier by inputting credit card information into an encryption algorithm.
  • the first server device 130 may use a pepper solution to obtain a unique identifier corresponding to credit card information.
  • the Pepper solution it is possible to obtain multiple different unique identifiers corresponding to information on multiple credit cards. That is, in this case, there may be a separate unique identifier for each credit card information. Additionally, if you use the same hash function and the same string when using the Pepper solution, you can obtain the same unique identifier each time you enter the same credit card information.
  • the first server device 130 decrypts the encrypted credit card information and inputs it into the Pepper solution, thereby creating a unique identifier corresponding to the credit card information. You can also obtain it.
  • various encryption algorithms may be used.
  • the first server device 130 may transmit a unique identifier corresponding to credit card information to the terminal device 110.
  • the terminal device 110 may transmit the received unique identifier to the second server device 150.
  • the second server device 150 may check benefit information corresponding to the received unique identifier.
  • the second server device 150 may store various customer information corresponding to each of a plurality of unique identifiers.
  • the second server device 150 may store basic information about customers and benefit information about customers corresponding to each of a plurality of unique identifiers.
  • the second server device 150 may transmit customer benefit information corresponding to the received unique identifier to the terminal device 110. That is, the second server device 150 can identify a customer matching the unique identifier and provide benefit information corresponding to the identified customer to the terminal device 110.
  • Benefit information may include discount information or loyalty information. Discount information may be, for example, a discount coupon that can be provided by a store to an identified customer. Loyalty information may be, for example, points or coupons that can be accumulated at a store for an identified customer.
  • the customer's personal information is information that needs to be entered only once, and may include at least one of the customer's name, phone number, gender, and age. For example, a customer's personal information may be entered during initial sign-up (registration).
  • the terminal device 110 may receive basic information input from the customer and transmit the basic information input from the customer to the second server device 150.
  • the second server device 150 may store the customer's basic information.
  • the second server device 150 may generate and store various statistical information based on the customer's basic information and the customer's credit card usage history. For example, the second server device 150 may generate statistical information about the customer's number of visits to each store, average payment amount, and visit cycle based on the customer's basic information and credit card usage history. The second server device 150 may transmit, to the terminal device 110 installed in the store, customer visit statistical information including at least one of the number of times the customer visits the store, the average payment amount, and the visit cycle. The second server device 150 according to various embodiments may generate visit statistics information about a plurality of customers for each store. The second server device 150 may transmit visit statistics information about a plurality of customers to the store to the terminal device 110 installed in the store.
  • the second server device 150 may match and store a plurality of credit card information for a specific customer. For example, when a specific customer uses multiple credit cards, information on the multiple credit cards can be matched to the specific customer and stored.
  • the second server device may use the name or phone number of the customer holding each credit card to identify and store the customer's credit card.
  • the terminal device 110 may determine whether to apply customer benefit information received from the second server device 150 based on user input. For example, the terminal device 110 may display customer benefit information received from the second server device 150 through the display 117 and determine whether to apply the benefit information through the input device 119. User input can be received to determine . If the display 117 is a touch display, user input for determining whether to apply the benefit information may be received through the display 117. For example, the terminal device 110 may receive a user input from the customer determining to apply the benefit information, or may receive a user input determining not to apply the benefit information.
  • the terminal device 110 may transmit to the first server device 130 an approval request for the final payment amount reflecting whether or not benefit information is applied. If the benefit information is discount information, in response to determining to apply the discount information, a final amount to which the discount information is applied and a unique identifier may be transmitted to the first server device 130 for a specific amount to be calculated. For example, in a case where the amount to be paid by the customer is 10,000 won, a 2,000 won discount coupon is provided, and if the user decides to use this discount coupon, the terminal device 110 sets the final payment amount of 8,000 won. By transmitting the unique identifier corresponding to the won and credit card information to the first server device 130, card payment approval for 8,000 won can be requested.
  • the benefit information is loyalty information
  • a specific amount to be calculated and a unique identifier may be transmitted to the first server device 130.
  • the applied royalty information may be transmitted to the second server device 150. For example, in a case where the amount to be paid by the customer is 10,000 won, a 500 won savings coupon is provided, and if it is decided to use this savings coupon, the terminal device 110 stores the amount to be paid, 10,000 won, and the credit By transmitting the unique identifier corresponding to the card information to the first server device 130, card payment approval for 10,000 won can be requested. Additionally, the applied 500 won savings coupon can be transmitted to the second server device 150 so that 500 won can be accumulated for the customer.
  • the terminal device 110 may transmit the initial payment amount along with a unique identifier to the first server device 130. That is, in this case, the terminal device 1110 may request credit card payment approval for a specific amount to be initially paid from the first server device 130. Additionally, the first server device 130 may store data indicating that the customer did not use the benefit information.
  • the first server device 130 may request card payment approval from the card company server device 140 in response to receiving a card payment approval request from the terminal device 110.
  • the second server device 150 may be a server device operated by a credit card company.
  • the card company server device 140 may determine whether to approve a card payment approval request.
  • FIG. 2 is a block diagram of a terminal device 110 according to various embodiments of the present disclosure.
  • a terminal device 110 may include a processor 111, a memory 113, at least one communication circuit 115, a display 117, and an input device 119. there is. Even if some of the components shown in FIG. 2 are omitted or replaced, there will be no problem in implementing the various embodiments disclosed in this document.
  • the processor 111 may be a component capable of performing operations or data processing related to control and/or communication of each component of the terminal device 110.
  • the processor 111 may be operatively connected to components of the terminal device 110, for example.
  • the processor 111 may load commands or data received from other components of the terminal device 110 into the memory 113, process the commands or data stored in the memory 113, and store the resulting data. there is.
  • the memory 113 may store instructions for the operation of the processor 111 described above.
  • At least one communication circuit 115 may establish a communication channel with an external electronic device and transmit and receive various data with the external device.
  • at least one communication circuit 115 may include a cellular communication module and be configured to be connected to a cellular network (eg, 3G, LTE, 5G, Wibro, or Wimax).
  • at least one communication circuit 115 includes a short-range communication module and uses short-range communication (e.g., Wi-Fi, Bluetooth, Bluetooth Low Energy (BLE), UWB) to communicate with external electronic devices and data. Sending and receiving is possible, but is not limited to this.
  • “at least one communication circuit” is described as “communication circuit,” but the communication circuit described in this document means at least one communication circuit.
  • the display 117 may display various screens based on control of the processor 111.
  • the display 117 may be implemented in the form of a touch sensor panel (TSP) that can recognize contact or proximity (eg, hovering) of various external objects.
  • the display 117 may include a capacitance sensor to recognize contact or proximity of various external objects.
  • a capacitance sensor may be composed of a plurality of capacitors, and the capacitance sensor may apply an electrical signal to the capacitor.
  • a capacitor can charge and discharge charge in response to the application of an electrical signal. When an electrical signal is applied to a capacitor, the capacitor may be charged depending on the magnitude of the voltage of the electrical signal.
  • the display 117 may receive a touch input based on signals collected from the capacitive sensor.
  • the input device 119 may receive commands or data to be used for components of the terminal device 110 from outside the terminal device 110 (eg, a user).
  • Input device 119 may include, for example, a microphone, mouse, or keyboard.
  • the card reader 120 may transmit credit card information to the terminal device 110 in operation 301.
  • the card reader 120 may transmit the read credit card information to the communication-connected terminal device 110.
  • the terminal device 110 and the card reader 120 may be wired or wirelessly connected for communication and may be implemented as a single device.
  • the terminal device 110 may transmit credit card information to the first server device 130 in operation 303.
  • the terminal device 110 may transmit credit card information to the first server device 130 to check benefit information before transmitting a card payment approval request.
  • the terminal device 110 may encrypt credit card information and transmit it to the first server device 130.
  • the credit card information may include a 16-digit credit card number.
  • the terminal device 110 may encrypt the credit card number and transmit it to the first server device 130.
  • the credit card information may further include, for example, the name or phone number of the customer who holds the credit card.
  • the first server device 130 may be, for example, a server device from a ban company.
  • the first server device 130 may obtain a unique identifier corresponding to credit card information in operation 305.
  • the first server device 130 may obtain a unique identifier by inputting credit card information into an encryption algorithm.
  • the encryption algorithm may be, for example, a pepper solution. If encrypted credit card information is received from the terminal device 110, the first server device 130 decrypts the encrypted credit card information, obtains the credit card information, and encrypts the credit card information. It can be input into the algorithm.
  • the first server device 130 may store information on the received credit card.
  • the first server device 130 may transmit a unique identifier to the terminal device 110 in operation 307.
  • the terminal device 110 may transmit the unique identifier received from the first server device 130 to the second server device 150 in operation 309.
  • the second server device 150 may identify customer information corresponding to the received unique identifier in operation 311.
  • the second server device 150 may store information on a plurality of customers and benefit information corresponding to each of the plurality of customer information.
  • the second server device 150 may store a unique identifier corresponding to each piece of information on a plurality of customers. Accordingly, the second server device 150 can identify the corresponding customer using only the unique identifier information corresponding to the credit card information.
  • the second server device 150 may check customer benefit information corresponding to the identified customer information in operation 313.
  • Benefit information may include, for example, discount information or loyalty information.
  • the second server device 150 may transmit the confirmed benefit information to the terminal device 110 in operation 315.
  • the terminal device 110 may determine whether to apply benefit information based on user input in operation 317.
  • the user can select whether to apply benefit information through the display 117 or input device 119 of the terminal device 110. For example, the user may decide to apply benefit information or not. For example, if the benefit information is discount information (eg, discount coupon), the user may decide to apply the discount information.
  • discount information eg, discount coupon
  • the terminal device 110 may transmit the final payment amount and a unique identifier to the first server device 130 in operation 319.
  • the terminal device 110 may request credit card payment approval for the final payment amount reflecting whether or not benefit information is applied to the first server device 130.
  • the terminal device 110 may transmit a unique identifier corresponding to the final payment amount reflecting the discount information and credit card information to the first server device 130 .
  • the first server device 130 may transmit a credit card approval request to the card company server device 140.
  • the first server device 130 may request credit card payment approval for the final payment amount reflecting whether or not benefit information is applied to the card company server device 140.
  • FIG. 4 is a flowchart of the operation of the terminal device 110 according to various embodiments of the present disclosure.
  • the processor 111 of the terminal device 110 receives a credit card for payment of a specific amount from the card reader 120 communicated with the terminal device 110. information can be received.
  • the processor 111 may transmit credit card information to the first server device 130 in operation 420.
  • the processor 111 may encrypt a 16-digit credit card number and transmit it to the first server device 130.
  • the processor 111 may receive a unique identifier corresponding to credit card information from the first server device 130 in operation 430.
  • the unique identifier may be a hash value obtained by inputting credit card information into an encryption algorithm.
  • the processor 111 may transmit the received unique identifier to the second server device 150 in operation 440.
  • the processor 111 may receive customer benefit information corresponding to the unique identifier from the second server device 150 in operation 450.
  • the second server device 150 may identify customer information matching the unique identifier, confirm benefit information corresponding to the identified customer information, and transmit it to the terminal device 110 .
  • the processor 111 may determine whether to apply benefit information based on user input in operation 460.
  • the processor 111 may receive a user input for selecting whether to apply benefit information through the display 117 or the input device 119.
  • Processor 111 may determine whether to apply benefit information based on the user input.
  • FIG. 5 is a flowchart of the operation of the terminal device 110 according to various embodiments of the present disclosure. Content that overlaps with the content described in FIG. 4 will be omitted.
  • the processor 111 of the terminal device 110 may receive credit card information for paying a specific amount from the card reader 120 in operation 510.
  • the processor 111 transmits credit card information to the first server device 130 and receives a unique identifier corresponding to the credit card information from the first server device 130 in operation 520. can do.
  • the processor 111 may transmit a unique identifier to the second server device 150 and receive customer benefit information corresponding to the unique identifier from the second server device 150 in operation 530. there is.
  • the processor 111 may determine whether to apply the received benefit information based on the user input in operation 540.
  • the processor 111 may request card payment approval for a specific amount. That is, the processor 111 may request card payment approval for a specific amount to be initially paid. To this end, the processor 111 may transmit a unique identifier corresponding to a specific amount of money and credit card information to the first server device 130. For example, if the initial payment amount is 10,000 won, in response to the decision not to apply the benefit information, card payment approval for 10,000 won may be requested.
  • the process may branch to operation 550 (540-YES).
  • the processor 111 may check what type of benefit information is.
  • the processor 111 may branch to operation 560 (550 - discount information) and request card payment approval for the final payment amount with the discount information applied to the specific amount. To this end, the processor 111 may transmit to the first server device 130 a unique identifier corresponding to the final payment amount with discount information applied to the specific amount and credit card information. For example, if the initial payment amount is 10,000 won and the discount information is a coupon for a 2,000 won discount, the processor 111 may request card payment approval for 8,000 won.
  • the processor 111 branches to operation 570 (550 - royalty information) and transmits the applied royalty information to the second server device 150.
  • the processor 111 may request card payment approval for a specific amount in operation 580.
  • the processor 111 may transmit a unique identifier corresponding to a specific amount and credit card information to the first server device 130. For example, if the initial payment amount is 10,000 won and the loyalty information is a coupon that accumulates 1,000 won, you can request card payment approval for 10,000 won, and send the accumulated loyalty information of 1,000 won to the second server device ( 150). In this case, the second server device 150 may store the fact that the amount accumulated for the customer is 2,000 won.
  • FIG. 6 is an operation flowchart of the second server device 150 according to various embodiments of the present disclosure.
  • the second server device 150 may receive a unique identifier from the terminal device 110 in operation 610.
  • the second server device 150 may identify customer information corresponding to the unique identifier in operation 620.
  • the second server device 150 can store information on a plurality of customers.
  • the second server device 150 may store a unique identifier corresponding to each piece of information on a plurality of customers. Accordingly, the second server device 150 can identify the corresponding customer using only the unique identifier information corresponding to the credit card information.
  • the second server device 150 may check customer benefit information corresponding to the identified customer information in operation 630.
  • the second server device 150 may store benefit information corresponding to each of a plurality of customer information. Accordingly, the second server device 150 may check the customer benefit information corresponding to the customer information identified based on the unique identifier.
  • the second server device 150 may transmit the confirmed benefit information to the terminal device 110 in operation 640. Although not shown, the second server device 150 may further transmit statistical information about customers' visits to the store.
  • the customer's visit statistics information may include, for example, at least one of the customer's number of visits, average payment amount, and visit cycle.
  • the second server device 150 may further transmit visit statistics information regarding a plurality of customers.
  • Computer-readable recording media include all types of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media may include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. Additionally, computer-readable recording media can be distributed across computer systems connected to a network, so that computer-readable code can be stored and executed in a distributed manner. And, functional programs, codes, and code segments for implementing the above embodiments can be easily deduced by programmers in the technical field to which this disclosure pertains.

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  • Cash Registers Or Receiving Machines (AREA)

Abstract

Selon divers ‌modes‌ ‌de‌ réalisation,‌ ‌la ‌présente‌ divulgation concerne un dispositif terminal qui peut comprendre : au moins un circuit de communication connecté pour une communication avec un lecteur de carte, un premier dispositif serveur et un second dispositif serveur ; une mémoire ; et un processeur. Le processeur selon divers modes de réalisation peut être configuré pour : recevoir des informations concernant une carte de crédit pour le paiement d'un montant spécifique d'argent provenant du lecteur de carte ; transmettre les informations concernant la carte de crédit au premier dispositif de serveur ; recevoir un identifiant unique correspondant aux informations concernant la carte de crédit provenant du premier dispositif de serveur ; transmettre l'identifiant unique au second dispositif de serveur ; recevoir des informations d'avantage pour un client correspondant à l'identifiant unique provenant du second dispositif de serveur ; et déterminer s'il faut ou non appliquer les informations d'avantage, sur la base d'une entrée d'utilisateur.
PCT/KR2022/006186 2022-04-27 2022-04-29 Procédé et dispositif terminal pour fournir des informations d'avantage à l'aide d'informations concernant une carte de crédit WO2023210845A1 (fr)

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KR10-2022-0052029 2022-04-27
KR1020220052029A KR20230152366A (ko) 2022-04-27 2022-04-27 신용 카드의 정보를 이용하여 혜택 정보를 제공하는 방법 및 단말 장치

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Citations (5)

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Publication number Priority date Publication date Assignee Title
KR20050053271A (ko) * 2003-12-02 2005-06-08 고승곤 신용카드와 연계되어 사용되는 복권형 쿠폰의 운용방법
KR20130097976A (ko) * 2012-02-27 2013-09-04 주식회사 나이스홀딩스 카드사 서버의 쿠폰결제 시스템 및 방법
KR101652320B1 (ko) * 2014-08-08 2016-09-09 (주)쿠프마케팅 공용 식별자를 이용하는 지불 결제 시스템 및 방법
KR20170021171A (ko) * 2015-08-17 2017-02-27 주식회사 케이티 마케팅 서비스 제공 방법 및 장치
KR20200010722A (ko) * 2018-07-23 2020-01-31 한상민 쿠폰 서비스 제공 시스템, 서버 및 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20050053271A (ko) * 2003-12-02 2005-06-08 고승곤 신용카드와 연계되어 사용되는 복권형 쿠폰의 운용방법
KR20130097976A (ko) * 2012-02-27 2013-09-04 주식회사 나이스홀딩스 카드사 서버의 쿠폰결제 시스템 및 방법
KR101652320B1 (ko) * 2014-08-08 2016-09-09 (주)쿠프마케팅 공용 식별자를 이용하는 지불 결제 시스템 및 방법
KR20170021171A (ko) * 2015-08-17 2017-02-27 주식회사 케이티 마케팅 서비스 제공 방법 및 장치
KR20200010722A (ko) * 2018-07-23 2020-01-31 한상민 쿠폰 서비스 제공 시스템, 서버 및 방법

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