KR20040062124A - Method for Providing Individual Incentives by an Affiliated Store - Google Patents

Abstract

The present invention relates to a method for providing individual incentives for each affiliate store, the method comprising: storing in a predetermined database 1 in association with subscription information of the customer in the server and card information of the customer in a server located on a wired / wireless communication network; And establishing a separate incentive providing policy for each affiliated store with reference to the subscription customer information in the server in a product or service providing affiliated store and providing the server with the individual incentive provided policy for each affiliated store in a predetermined database (2). And a payment approval request from the terminal of the affiliated store to the server when the customer pays the card (or credit card) according to the provision of goods or services at the affiliated store. Providing individual incentives for each affiliated store previously stored in the predetermined database 2 as a basis Extracting a book, checking an incentive provided to the customer according to the extracted individual incentive provision policy by the server, and providing the incentive to the customer at the merchant terminal; Steps.

Description

Method for Providing Individual Incentives by an Affiliated Store}

According to the present invention, a card according to a customer providing a product or a service at the affiliated store according to the card information of the customer linked to the registered customer information stored in a server located on a wired / wireless communication network and an individual incentive provision policy for each affiliated store. (Or credit card) payment, by referring to the stored information to provide the customer with the appropriate individual incentive provided by the merchant.

In the past, the issuance of cards (or credit cards) that have been performed offline has been rapidly spreading, and various kinds of cards (or credit cards) can be issued online.

In addition, as the Internet has an absolute effect on the promotion or sale of media, many card operators have provided more diverse services (discounts, reservations, coupons, miles, etc.) using cards (or credit cards).

As an example of the above service, a card (or credit card) that forms an alliance with a variety of online and offline companies, and provides various incentives for the promotion of the company as well as the use of products or services related to the company. Issued.

However, incentives (mileage, points, etc.) provided by the use history of the card (or credit card) are managed and operated by the card company that issued the card (or credit card). Or credit card) merchants (especially offline merchants or small merchants) using a card (or credit card) is a problem that it is not easy to provide individual incentives of the merchant itself rather than the card company incentives for self-promotion and marketing. It was.

An object of the present invention to solve the above problems is to use the card (or credit card) information and the incentive policy information for each affiliated store affiliated with the customer information stored in the server on the wired and wireless communication network, the card at the merchant (Or credit card) provides a method for providing a client to pay the individual incentives granted by the merchant.

1 is a simplified block diagram showing a preferred embodiment of the present invention.

2 is a simple flowchart of the overall process implemented in the present invention.

3 is a conceptual diagram of a simple embodiment of the present invention.

4 is a conceptual diagram of a simple embodiment of the present invention.

5 is a conceptual diagram of a simple embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: merchant

110: client 115: card company

The present invention relates to a method for providing individual incentives for each affiliate store, the method comprising: storing in a predetermined database 1 in association with subscription information of the customer in the server and card information of the customer in a server located on a wired / wireless communication network; And establishing a separate incentive providing policy for each affiliated store with reference to the subscription customer information in the server in a product or service providing affiliated store and providing the server with the individual incentive provided policy for each affiliated store in a predetermined database (2). And a payment approval request from the terminal of the affiliated store to the server when the customer pays the card (or credit card) according to the provision of goods or services at the affiliated store. Providing individual incentives for each affiliated store previously stored in the predetermined database 2 as a basis Extracting a book, checking an incentive provided to the customer according to the extracted individual incentive provision policy by the server, and providing the incentive to the customer at the merchant terminal; Steps.

According to the present invention, the database 1 in the server is a database in which information (personal information) of the subscription customer and card (or credit card) information of the subscription customer are linked and stored.

Further, according to the present invention, the database 2 in the server is linked with the database 1, the database 2 provides the individual incentive providing policy for each affiliated store in the server subscription customer information and / or the customer It is stored in association with the card information.

In addition, according to the present invention, incentives and incentive granting details which are given to each individual affiliate store by the client may be stored in the corresponding affiliate store and / or the server.

The incentive granting details may be stored in association with the customer's card (or credit card) information, and the incentive granting details are stored in association with the customer's card (or credit card) information. Include.

In addition, in the present invention, the customer information stored in the server includes all personal information including the customer's birthday, wedding anniversary, etc., the customer's card (or credit card) stored in association with the customer information The information includes at least one IC chip or a memory area mounted in a wireless (portable) terminal including a smart card, an IC card, a magnetic strip (MS) card, and credit card information.

In addition, the individual incentive provision policy for each merchant provided by the merchant to the server and matched with the merchant information stored in the server, the merchant for the purpose of a specific event (individual) or promotion (individual), publicity, etc., the information of the customer Refers to a policy for providing an appropriate incentive, and according to the policy, the affiliated store may provide various incentives (individual incentives) for coupons, points (or miles).

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simplified block diagram showing a preferred embodiment of the present invention.

For the construction of the preferred embodiment of the present invention, other unnecessary elements are not daringly illustrated, and as the most basic components for the preferred implementation of the present invention, the server 100, the merchant 105 and the client located on the wired / wireless communication network 110 is shown.

The server 100 located on the wired / wireless communication network is connected to the affiliated store 105 and the wired / wireless communication network (including a VAN), and information about the server 100 subscriber and the card (or credit card) information of the corresponding customer are stored. It is linked and stored in the database 1.

In addition, the server 100 receives an incentive provision policy of the individual affiliated store 105 prepared by referring to previously stored customer information from the individual affiliated store 105 and stores it in a predetermined database 2.

The database 1 and the database 2 are matched as described above and present in the server 100.

In addition, the server 100 checks the client 110 to make a payment using a card (or credit card) at the individual affiliated store 105, and through the database 1 and the database 2, the individual affiliated store Identify the individual incentives that 105 can provide and provide them to the individual merchants 105.

In addition, the server 100 according to the present invention may be present inside or outside the card company, or inside or outside the VAN company, or in a separate position in connection with the card company for the proper implementation of the present invention, which is in accordance with the spirit of the present invention. It can be implemented as long as it does not deviate.

The individual merchant 105 provides at least one product or service, and uses the subscription customer information and the card (or credit card) information stored in the server 100 to pay individual incentives of the merchant 105 as a payment client ( 110 serves to provide.

In addition, the affiliated store 105 establishes an individual incentive provision policy for the provision of the individual incentives, and serves to store them in the server 100.

In addition, the affiliated store 105 is provided with at least one card (or credit card) payment terminal (not shown in the figure), the payment terminal is connected to a communication network (VAN, etc.) to the server 100 Send and receive information according to the present invention.

The client 110 is provided with goods or services through the merchant 105, and pays for it with a card (or credit card), and according to the present invention incentives from the customer information from the merchant 105 Acquire.

In addition, according to the present invention, the client 110 will be valid for the subscription customer of the server 100.

2 is a simple flowchart of the overall process implemented in the present invention.

According to the present invention, the server 100 on the wired / wireless communication network stores the subscription customer information and the card (or credit card) information of the customer in a predetermined database 1 (200). According to the present invention, the individual merchants 105 to provide individual incentives for each affiliate store 105 access the server 100 and refer to the subscription customer information to establish a policy for the individual incentives provided to the client 110. (205).

The affiliated store 105 provides the established individual incentive policy to the server 100 (210), and the server 100 receives the individual incentive policy established from the affiliated store 105, and the affiliated store 105 The information is stored in the predetermined database 2 in association with the information (215).

In addition, the server 100 matches and stores the database 1 and the database 2 to implement the present invention (220).

When the client 110 who has visited (accessed) the merchant 105 makes a payment using a card (or credit card) at the merchant 105 (225), the server 100 has an individual incentive provision policy. If it is a stored merchant 105, if the individual incentive provision policy is registered merchant 105 (230), the server 100 checks the merchant 105 in accordance with the payment approval request, the database The individual incentive providing policy for each affiliated store 105 stored in (2) is extracted.

However, if the merchant 105 is a merchant 105 that has not registered an individual incentive provision policy, the process ends 240.

The server 100 checks the incentives provided to the client 110 according to the extracted individual incentive provision policy for the affiliated store 105 and provides them to the affiliated store 105 (245). The incentive grant history is provided to the client 110 through the terminal (250).

3 is a conceptual diagram of a simple embodiment of the present invention.

In the process of the present invention through the process of FIG. 2, according to the individual incentive providing policy for each affiliated store 105 extracted by the server 100, the incentive provided to the client 110 is confirmed. By providing the card with the details of the authorization to the affiliated store 105, the merchant 105 provides an incentive granting details along with the card approval details.

In addition, the embodiment of the present invention is implemented in accordance with the present invention is a server (100) located on the wired and wireless communication network in the predetermined database (1) by connecting the customer information in the server 100 and the card information of the customer Storing the product information and services, and establishing a separate incentive providing policy for each affiliate store 105 by referring to the registered customer information in the server 100 at the store store product 105 and providing the product or service to the server 100; And storing the individual incentive provision policy for each affiliate store 105 in a predetermined database 2 at the server 100, and a customer (or credit card) according to the provision of a product or service at the affiliate store 105. At the time of payment, when a payment approval request is made from the terminal of the affiliated store 105 to the server 100, the server 100 stores the payment approval request based on the information of the payment approval request affiliated store 105 based on the predetermined database 2. Extracting the individual incentive providing policy for each affiliated store 105 and checking the incentives provided to the customer according to the extracted individual incentive providing policy for the affiliated store 105 by the server 100 together with the card approval details; Providing to the affiliated store 105 and providing the details of incentives to the customer in the merchant 105 terminal with the card approval details.

4 is a conceptual diagram of a simple embodiment of the present invention.

In the process of the present invention through the process of FIG. 2, the server 100 provides individual incentives to the client 110 according to the policy of providing individual incentives for each of the affiliated stores 105. In the embodiment, the server 100 provides the individual incentive details provided to the client 110 to the affiliated store 105 terminal so that the affiliated store 105 provides the incentive grant details to the client 110. It is about.

In addition, the embodiment of the present invention is implemented in accordance with the present invention is a server (100) located on the wired and wireless communication network in the predetermined database (1) by connecting the customer information in the server 100 and the card information of the customer Storing the product information and services, and establishing a separate incentive providing policy for each affiliate store 105 by referring to the registered customer information in the server 100 at the store store product 105 and providing the product or service to the server 100; And storing the individual incentive provision policy for each affiliate store 105 in a predetermined database 2 at the server 100, and a customer (or credit card) according to the provision of a product or service at the affiliate store 105. At the time of payment, when a payment approval request is made from the terminal of the affiliated store 105 to the server 100, the server 100 stores the payment approval request based on the information of the payment approval request affiliated store 105 based on the predetermined database 2. Extracting the individual incentive provision policy for each affiliated store 105, providing the individual incentive to the customer according to the extracted individual incentive provision policy for the affiliated store 105 in the server 100, and the server ( In step 100), the individual incentive details provided to the customer are provided to the affiliated store 105 terminal, and the affiliated store 105 provides the incentive grant details to the customer.

5 is a conceptual diagram of a simple embodiment of the present invention.

In the process of the present invention is made through the process of FIG. 2, the incentive provided to the client 110 according to the individual incentive provision policy for each affiliated store 105 extracted by the server 100 is provided. The present invention relates to an embodiment in which it is provided to the affiliated store 105, the affiliated store 105 provides an individual incentive to the client 110, and provides details of an incentive grant to the client 110.

In addition, the embodiment of the present invention is implemented in accordance with the present invention, the server 100 located on the wired / wireless communication network in a predetermined database (1) by linking the customer information in the server 100 and the card information of the customer. And a separate incentive providing policy for each affiliate store 105 by referring to the registered customer information in the server 100 at the store store product 105 and providing the product or service to the server 100. And storing, at the server 100, an individual incentive providing policy for each affiliate store 105 in a predetermined database 2, and a card (or credit card) according to a product or service provided by the customer at the affiliate store 105. At the time of payment, when a payment approval request is made from the terminal of the affiliated store 105 to the server 100, the server 100 writes the payment approval request to the predetermined database 2 based on the information of the payment approval request affiliated store 105. that Extracting an individual incentive providing policy for each affiliated store 105 and checking the incentives provided to the customer according to the extracted individual incentive providing policy for the affiliated store 105 by the server 100 to the affiliated store 105; And providing the individual incentives to the customer in the affiliated store 105 terminal and providing the individual incentive grant details to the customer in the affiliated store 105 terminal.

According to the present invention, an individual affiliated store uses a card (or credit card) at the affiliated store by using card (or credit card) information and incentive policy information for each affiliated store linked with customer information stored in a server on a wired / wireless communication network. By providing a method for providing a client to pay the individual incentives granted by the merchant, the merchant is a more differentiated marketing promotion means, by providing individual incentives to the customer, there is an advantage of increasing the customer and increase sales. In addition, there is an advantage that it is possible to provide an incentive without issuing a separate incentive card (cost reduction).

In addition, the operator has the advantage that it can generate new revenue from a number of individual merchants who want to use the customer information they have.

Claims (34)

Storing in the predetermined database (1) in association with the subscription customer information in the server and the card information of the customer in a server located on a wired / wireless communication network; Establishing an individual incentive provision policy for each affiliate store by providing a product or service to the server with reference to the registered customer information in the server; Storing, at the server, an individual incentive provision policy for each affiliate in a predetermined database (2); When the customer makes a payment authorization request from the terminal of the affiliated store to the server at the time of payment of a card (or credit card) according to the provision of goods or services at the affiliated store, the predetermined database (based on the payment approval request affiliated store information from the server) 2) extracting individual incentive provision policies for each affiliated store previously stored; Identifying, by the server, the incentive provided to the customer according to the extracted individual incentive provision policy for the affiliated store and providing the same to the affiliated store; And Providing the incentive grant details to the customer in the merchant terminal; Individual incentive providing method for each merchant comprising a. The method of claim 1, wherein the database (2) Individual incentive providing method for each affiliate, characterized in that the interlocking with the database (1). The method of claim 1, wherein the database (2) And providing the individual incentive providing policy for each affiliate in association with the server-integrated customer information and / or the card information of the customer. The method of claim 1, wherein the subscription customer information in the server, Method for providing individual incentives for each merchant, including all personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 1, wherein the card (or credit card), A method for providing individual incentives for each merchant, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including a smart card, an IC card, a magnetic strip (MS) card, and credit card information. The method of claim 1, wherein the individual incentive providing policy for each affiliate is Individual incentives for each merchant, including an incentive provision policy such as points (or miles) or coupons provided to the customer on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant. How to Provide. The method of claim 1, wherein the incentive is Individual incentive providing method for each merchant, characterized in that the individual incentive provided by the merchant itself. The method of claim 1, wherein the incentive is Individual incentive providing method for each merchant, characterized in that it comprises at least one or more points, miles, or coupons. The method of claim 1, wherein the server, It may be located inside or outside the card company in connection with the card company, Individual incentive providing method for each merchant, which is located in or outside the VAN in association with the VAN company. The method of claim 1, wherein providing the incentive grant history to the customer comprises: And storing the granted incentive details in the affiliated store terminal or storing them in the server. The method of claim 10, wherein providing the incentive grant history to the customer comprises: And integrating and storing the incentive details in association with the card (or credit card) information of the customer. Storing in the predetermined database (1) in association with the subscription customer information in the server and the card information of the customer in a server located on a wired / wireless communication network; Establishing an individual incentive provision policy for each affiliate store by providing a product or service to the server with reference to the registered customer information in the server; Storing, at the server, an individual incentive provision policy for each affiliate in a predetermined database (2); When the customer makes a payment authorization request from the terminal of the affiliated store to the server at the time of payment of a card (or credit card) according to the provision of goods or services at the affiliated store, the predetermined database (based on the payment approval request affiliated store information from the server) 2) extracting individual incentive provision policies for each affiliated store previously stored; Identifying, by the server, the incentive provided to the customer according to the extracted individual incentive provision policy for the affiliated store and providing the card to the affiliated store together with the card approval details; Providing the incentive grant details to the customer with the card approval details in the merchant terminal; Individual incentives providing method for each merchant comprising a. Storing in the predetermined database (1) in association with the subscription customer information in the server and the card information of the customer in a server located on a wired / wireless communication network; Establishing an individual incentive provision policy for each affiliate store by providing a product or service to the server with reference to the registered customer information in the server; Storing, at the server, an individual incentive provision policy for each affiliate in a predetermined database (2); When the customer makes a payment authorization request from the terminal of the affiliated store to the server at the time of payment of a card (or credit card) according to the provision of goods or services at the affiliated store, the predetermined database (based on the payment approval request affiliated store information from the server) 2) extracting individual incentive provision policies for each affiliated store previously stored; Providing individual incentives to the customer according to the extracted individual incentive provision policy of the affiliated stores in the server; Providing individual incentive details provided to the customer in the server to the affiliated store terminal; And Providing the incentive grant details to the customer in the merchant terminal; Individual incentive providing method for each merchant comprising a. The method of claim 13, wherein the database (2), Individual incentive providing method for each affiliate, characterized in that the interlocking with the database (1). The method of claim 13, wherein the database (2), And providing the individual incentive providing policy for each affiliate in association with the server-integrated customer information and / or the card information of the customer. The method of claim 13, wherein the subscription customer information in the server, Method for providing individual incentives for each merchant, including all personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 13, wherein the card (or credit card), A method for providing individual incentives for each merchant, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including a smart card, an IC card, a magnetic strip (MS) card, and credit card information. The policy of claim 13, wherein the individual incentive provision policy for each affiliate is: Individual incentives for each merchant, including an incentive providing policy such as points (or miles) or coupons provided to the customer on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant; How to Provide. The method of claim 13, wherein the incentive is Individual incentive providing method for each merchant, characterized in that the individual incentive provided by the merchant itself. The method of claim 13, wherein the incentive is Individual incentive providing method for each merchant, characterized in that it comprises at least one or more points, miles, or coupons. The method of claim 13, wherein the server, It may be located inside or outside the card company in connection with the card company, Individual incentive providing method for each merchant, which is located in or outside the VAN in association with the VAN company. The method of claim 13, wherein granting the individual incentives comprises: And storing the granted incentive details in the affiliated store terminal or storing them in the server. The method of claim 22, wherein granting the individual incentives comprises And integrating and storing the incentive details in association with the card (or credit card) information of the customer. Storing in the predetermined database (1) in association with the subscription customer information in the server and the card information of the customer in a server located on a wired / wireless communication network; Establishing an individual incentive provision policy for each affiliate store by providing a product or service to the server with reference to the registered customer information in the server; Storing, at the server, an individual incentive provision policy for each affiliate in a predetermined database (2); When the customer makes a payment authorization request from the terminal of the affiliated store to the server at the time of payment of a card (or credit card) according to the provision of goods or services at the affiliated store, the predetermined database (based on the payment approval request affiliated store information from the server) 2) extracting individual incentive provision policies for each affiliated store previously stored; Identifying, by the server, the incentive provided to the customer according to the extracted individual incentive provision policy for the affiliated store and providing the same to the affiliated store; Granting individual incentives to the customer at the merchant terminal; And Providing the individual incentive grant details to the customer in the merchant terminal; Individual incentive providing method for each merchant comprising a. The method of claim 24, wherein the database (2), Individual incentive providing method for each affiliate, characterized in that the interlocking with the database (1). The method of claim 24, wherein the database (2), And providing the individual incentive providing policy for each affiliate in association with the server-integrated customer information and / or the card information of the customer. The method of claim 24, wherein granting the individual incentives comprises And storing the granted incentive details in the affiliated store terminal or storing them in the server. The method of claim 27, wherein granting the individual incentives comprises: And integrating and storing the incentive details in association with the card (or credit card) information of the customer. The method of claim 24, wherein the subscription customer information in the server, Method for providing individual incentives for each merchant, including all personal information including the customer's birthday, wedding anniversary, and the like. The method of claim 24, wherein the card (or credit card), A method for providing individual incentives for each merchant, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including a smart card, an IC card, a magnetic strip (MS) card, and credit card information. The policy of claim 24, wherein the individual incentive provision policy for each affiliate is: Individual incentives for each merchant, including an incentive providing policy such as points (or miles) or coupons provided to the customer on a specific date based on the customer information (birthday or wedding anniversary) selected or checked by the merchant; How to Provide. The method of claim 24, wherein the incentive is Individual incentive providing method for each merchant, characterized in that the individual incentive provided by the merchant itself. The method of claim 24, wherein the incentive is Individual incentive providing method for each merchant, characterized in that it comprises at least one or more points, miles, or coupons. The method of claim 24, wherein the server, It may be located inside or outside the card company in connection with the card company, Individual incentive providing method for each merchant, which is located in or outside the VAN in association with the VAN company.