KR20020084792A - Notice for Payment printed Discount Coupon and Apparatus and Method for Publishing thereof - Google Patents

Abstract

The present invention relates to a bill to which a discount coupon is added, and an issuing apparatus and method thereof. In particular, the bill of the present invention has a first area to which a payment notice is printed and a second area to which a discount coupon is printed. The apparatus of the present invention reads the customer property code from the payment invoice issuing unit for issuing a payment invoice for each customer with a discount coupon with a customer property code in response to the provided discount coupon issuing information, Analyze the customer transaction tendency of the target product by reading the customer attribute code, prepare the issue information of discount coupon in response to the analyzed customer transaction tendency, and analyze the discount coupon to provide the issued discount coupon issue information to the bill issuing department Contains wealth.

Therefore, in the present invention, by analyzing the customer attribute information through the discount coupon used by the customer who received the bill, it is possible to establish a marketing strategy and product pricing according to the consumption pattern of the customer.

Description

Notice for Payment printed Coupon and Apparatus and Method for Publishing

The present invention relates to a bill with a discount coupon and an issuing apparatus and method thereof, and particularly, by analyzing a consumption coupon of a user by printing and issuing a discount coupon on a bill of payment such as an apartment management fee bill, a telephone bill notice, or a credit card bill. It relates to a device and a method capable of.

Recently, discount coupons have been widely used in sales and promotions. If you print a discount coupon on advertisements such as promotional flyers, newspapers, magazines, etc. and provide it to consumers, consumers can cut off the discount coupon and present a discount coupon when purchasing a product to get a discount on a part of the purchase price. have.

Discount coupon issuers can raise awareness of their products and brands to consumers and promote the location of stores.

However, until now discount coupons are printed on the promotional image of the target product and only the period of use of the coupon and the discounted price (discount rate) are distributed to the unspecified number of people. It was difficult to obtain information such as consumer consumption patterns.

Therefore, the discount coupon method so far is not effective enough as expected except for the initial promotional effect due to the event.

In addition, unlike the existing single-family housing, where residential and shopping districts are mixed and coexisted with the recent development of large-scale multi-unit housing such as apartments, the location of the shopping malls is clearly different from those in residential and shopping districts. Since it is difficult to secure a place that is difficult for the commuters to commute, it is important to promote the location of the mall to the residents.

In addition, as the automobile culture for one household and one vehicle is established, consumers can purchase long-distance purchases using vehicles, and thus, they must compete with more stores. In particular, a marketing technique that induces large-scale purchases by installing large-scale warehouse-type discount stores in places where transportation costs are complicated, land purchase costs or rents, and rents are low and vehicles have enough parking space is not available. It is introduced.

As the purchase range of consumers with such a large residential environment and mobile mobility is widening, and consumers' purchasing options are diversified, it is becoming difficult for shops and sellers to establish marketing strategies. It became dependent on the recognition of the product.

An object of the present invention is to provide a payment notice printed with a discount coupon containing customer attribute information in order to solve the problems of the prior art as described above.

Another object of the present invention is to print and issue a discount coupon on payment notices, such as apartment management bill payment bill, card bill, utility bills, such as gas or electricity, easy to grasp the customer property information, customer property information from the discount coupon used The present invention provides an apparatus and a method for issuing a bill of payment that can predict a customer's consumption pattern and establish an appropriate marketing strategy by acquiring and analyzing the data.

It is still another object of the present invention to provide a recording medium in which the above-described payment notice issuing method is encoded into a computer readable code and an instruction code for performing the same is recorded.

1 is a conceptual diagram of a payment invoice issuing device and method with a discount coupon according to the present invention.

2 and 3 is a view showing the configuration of a payment notice issuing system to which a discount coupon is added according to the present invention.

4 to 9 are views showing one example of the databases used in the preferred embodiment of the payment invoice issuance system attached to the discount coupon of the present invention.

10 and 11 are views of a preferred embodiment of a payment invoice with a discount coupon according to the present invention.

12 to 14 are flowcharts showing an operation program of a payment invoice issuing system to which a discount coupon is added according to the present invention.

* Brief description of symbols for the main parts of the drawings *

10: server 12: integrated database

14: external database 16: payment notice sent database

18: transaction history database 20: payment bill issuance client

22; Barcode Generation Module 24: Print Module

30: Barcode Data Conversion Client

32: barcode reader 100: nip notice

104: Discount Coupon

In order to achieve the above object, the payment notice of the present invention is characterized by having a first area in which payment notice contents are printed and a second area in which discount coupons are printed.

In the second area, an advertisement image, a discount amount, a period of use, and a customer attribute code of the target product are printed.

Such a payment notice is directly delivered 1: 1 to a specific customer, so the advertisement effect is directly and the customer attribute information can be printed through the advertisement image of the target product printed on a certain discount coupon.

For example, in the case of the apartment management fee payment statement, the customer's apartment area information and the equilibrium information by the lake number can be easily adopted as the customer property information.

In the present invention, the customer attribute information printed on the discount coupon is preferably coded by a numeric code or a barcode for computational processing. As the barcode, one-dimensional barcode, two-dimensional barcode or color barcode may be adopted.

A questionnaire for a questionnaire may be printed on the back side of the second area where the discount coupon is printed. Therefore, it is possible to survey customer satisfaction on the target product through discount coupons.

In the present invention, the payment notice may further include a third area in which the advertisement is printed.

In addition, in the present invention, the first area and the second area of the payment notice may be printed on the front side of the payment notice, and at least one or more of an advertisement, a notice item list, or an analysis graph of the payment cost of the customer may be printed. Such analytical graphs will help in budgeting the household expenses of the customers.

In the present invention, the payment notice is preferably standardized to A4 size for mailing, and is preferably folded in three sections to facilitate sealing in an envelope. In addition, it is preferable that a perforation is formed along the perforation line in the second area where the discount coupon is printed so as to be easy to cut for use of the discount coupon.

In the present invention, the payment notice may be provided to the customer online through a communication network such as the Internet. When providing online, it is preferable to be sent to an e-mail address, an online e-bill issuance and payment-only site is available, and a payment coupon with a discount coupon will be printed out.

In addition, in the present invention, the discount coupon may be provided printed on a separate sheet enclosed in one envelope when sending the payment notice.

In order to achieve the above another object, the apparatus of the present invention is a payment invoice issuing unit for issuing a payment invoice for each customer attached to a discount coupon with a customer property code in response to the discount coupon issuance information provided, and from the discount coupon used Read customer property code, analyze customer transaction propensity of target product by read customer property code, prepare issuance information of discount coupon in response to analyzed customer transaction propensity, and issue issued discount coupon It is characterized by comprising a discount coupon analysis unit provided to the wealth.

The payment notice issuing unit and the discount coupon analyzing unit of the present invention are built in the computer system of a payment bill computer issuing company that has been commissioned by the company for collecting costs from customers, such as apartment management bill payment computer bills from the apartment management office. Or the computerized system of the card bill processor or utility bill issuer, such as gas or electricity bills.

The computer system stores the storage means for storing the payment invoice issue program attached with a discount coupon, and executes the payment invoice issue program, and in response to the created discount coupon issue information, a payment invoice with a discount coupon with a customer attribute code is added to each customer. Is issued online via the Internet to the e-mail address of the customer, reads the customer property code from the discount coupon used, analyzes the customer transaction propensity of the target product by the read customer property code, and discounts in response to the analyzed customer transaction propensity And a processor for creating coupon issuance information and updating previous discount coupon issuance information with the created discount coupon issuance information.

In the present invention, it is also possible for a customer to request a discount coupon for a product desired by the customer by accessing the payment notice through the Internet to a computer issuer or coupon company.

The method of the present invention is characterized in that the discount coupon content is specified in response to the created discount coupon issuance information, issuing a payment invoice for each customer to which the discount coupon with the customer attribute information is added, and collecting the discount coupon used, the merchant Inputting a customer attribute code for each product and a target product; analyzing customer transaction tendency of each merchant and target product according to the input customer attribute code; and discount coupons adaptive to the customer in response to the analyzed customer transaction tendency And issuing the issuance information and updating the previous discount coupon issuance information with the created discount coupon issuance information.

Customer transaction propensity analysis in the present invention may be as follows.

1. Transaction Trend Analysis by Apartment Area Code by Apartment Area Code

2. Transaction Trend Analysis by Apartment Equilibria by Apartment Lake

3. Analysis of the ratio of discount coupons used to total discount coupons issued for the target product

4. Analysis of purchase rate by discount price of target product and analysis of maximum selling price

5. Analysis of the geographical distribution of customers using discount coupons used in specific local franchises

6. Analysis of usage distribution by time within the period of use of discount coupon

7. Analysis of the use rate of discount coupon for the target product for each customer

8. Brand Awareness Analysis of Target Products

9. Analysis of Commodity Price Elasticity for Price Decision Making

In accordance with another aspect of the present invention, there is provided a recording medium in which a computer program code capable of reading a machine for issuing a discount coupon payment notice using a computer is encoded, the recording medium instructing a computer to execute a method. The method includes the steps of issuing a payment invoice for each customer, the content of the discount coupon being specified in response to the created discount coupon issuing information, and adding a discount coupon with customer attribute information, and collecting the discount coupon used. Inputting a customer attribute code for each merchant and a target product, analyzing a customer transaction tendency for each merchant and a target product according to the entered customer attribute code, and adaptive discount to the customer in response to the analyzed customer transaction tendency Creating coupon issuance information, and issuing a discount coupon previously transferred to the created discount coupon issuance information; And updating the information.

Hereinafter, with reference to the accompanying drawings will be described in detail through a preferred embodiment of the present invention.

Issuance of a payment notice with a discount coupon of the present invention analyzes the consumption pattern of consumers using the discount coupon using customer attribute information of the payment notice and issues a discount coupon adaptively to the consumption pattern based on the analyzed result. It is intended to be used as a resource for establishing a marketing strategy for.

The bill for the payment of the apartment maintenance fee is 100% distributed to each household through the administration office. The bill is likely to be exposed to the householder more than three times a month, such as when the management fee is confirmed, when the budget is determined, and when it is spent, and the receipt is kept, so the expectation of the advertising effect through the bill is high. The timing of issuance of the loan coincides with the decision of household spending, and thus, the possibility of using discount coupons is high.

1 is a conceptual diagram of a system for issuing a discount coupon addition payment in accordance with the present invention. Referring to Figure 1, by reading the bar code written on the discount coupon to create a customer and product database (A), using the created database to analyze the customer's transaction propensity using data mining (B), analysis results Set the target customer setting and product mapping rules according to (C).

The information on the discount coupon target product using data mining is re-extracted using the target customer setting and product mapping rules set in step C and the customer product database of step A (D).

Based on the discount coupon issuance information created in step D, the printed payment invoice with the discount coupon is printed and sent to the customer (E).

When a customer, that is, an apartment resident, purchases a product using a discount coupon attached to a payment notice (F), analyzes the purchase tendency of the customer through the used discount coupon (G) and creates a customer and product database (G). . The database of step A is updated with the created customer and goods database.

That is, through this process, it is possible to predict consumption patterns by customer attributes.

Figure 2 shows the configuration of the payment notice issuing unit is added discount coupons according to the present invention, Figure 3 shows the configuration of the discount coupon analysis unit.

The payment notice issuing system includes a server 10, a payment notice client 20, and a barcode data conversion client 30.

The server 10 includes an integrated database 12, an external database 14, a payment invoice sending database 16, and a transaction history database 18.

The server 10 stores a program for issuing an apartment management fee payment statement with a discount coupon on a recording medium, for example, a digital data disk such as a hard disk or a compact disk drive. The server 10 loads a program from the recording medium and performs a related operation. do.

The server 10 takes the discount coupon usage information stored in the integrated database 12, analyzes the discount coupon information through the data mining processing module 11, and prepares the discount coupon issuance information and the payment statement information according to the analysis result. In addition, the created payment notice information is stored in the payment notice sending database 16.

The payment notice issuing client 20 generates a bar code of discount coupons to be added to the payment notice through the barcode generation module 22 after taking data from the payment notice sending database 16. Subsequently, the payment notice 100 is printed out through the printer 26 through the payment notice printing module 24 to which the discount coupon is added. Printed payment slips are enclosed in an envelope and mailed to each customer.

The barcode data conversion client 30 is connected to the server 10 through the transaction history database. The barcode data conversion client 30 reads a barcode from the discount coupon 104 recovered through the barcode reader 32 and converts the barcode data read to create a transaction history database 18. The created transaction history data is integratedly stored in the integrated database 12 of the server 10.

The server 10 is connected to the customer terminal 50 via the Internet 40. Customers who sign up through the Internet can use the e-mail issuance service of the payment notice. In other words, when a customer requests to receive an invoice by e-mail, a discount coupon is provided along with the payment invoice. The customer may use the discount coupon by printing out the payment notice and the discount coupon received through the terminal 52 through the printer 52. In particular, e-mail receiving members can select their desired discount coupon.

External databases include customer management databases, apartment management databases, and the like.

4 shows a configuration of a customer management database according to the present invention. The customer management database includes fields such as customer ID / social security number / apartment code / apartment house number / date of birth / gender / marital status / number of cars owned / car type / monthly income / hobby / number of children / phone number / balance. Here, personally identifiable information is created only when the customer registers with the server through the Internet. If you are a non-member, only the apartment code and apartment number are registered.

5 shows the configuration of the apartment management database. Apartment management database has fields such as apartment code / apartment name / address / number of people / households / billing date / payment period.

6 shows a discount coupon issuing client management database. The company management database has fields such as company code / company name / address / telephone / fax / e-mail / representative director.

7 shows a product management database. The merchandise management database has fields such as large classification code, middle classification code, small classification code, product code, product name, manufacturer code, size and color.

8 shows a coupon sending database. The coupon sending database has fields such as product code / manufacturer / shipping apartment code / shipping apartment number / shipping date / discount / discount rate.

9 shows a transaction history database. The transaction history database has fields such as product code / manufacturer / shipping apartment code / shipping apartment number / date of entry / quantity.

10 and 11 illustrate a preferred embodiment of a payment notice printed with a discount coupon according to the present invention.

The payment notice in FIG. 10 is an apartment management fee payment notice. Payment statement 100 is standardized to A4 size for color printing. The paper is folded into three parts to be sealed in the mailing envelope, and the recipient address is written in the right side area 102 which is visible when the top is put in the mailing envelope.

The discount coupon is printed in the upper left region 104 of FIG. The discount coupon includes a bar code including a discount amount (discount rate), a period of use, and customer attribute information based on the advertisement image of the target product. As the barcode, one-dimensional barcode, two-dimensional barcode, color barcode, or the like may be adopted. It is also possible to use a numeric code instead of a barcode or to write a barcode and a numeric code together.

In the region 104 where the discount coupon is printed, perforations are formed along the perforation line 106 to facilitate cutting from other regions.

The central portion includes an advertisement area 108 and a customer receipt area 110.

The lower part includes a delivery notice area 112 and a storing request (for bank) area 114.

In the back of the payment notice of FIG. 11, the survey item print area 118, the usage guide list area 120, and the advertisement area corresponding to the notice item month and month comparison list area 116, the discount coupon area 106 on the front side (122), management cost comparison graph area 124, management cost item-specific distribution graph area 126, and the like.

Payment notices of FIGS. 10 and 11 are mailed to each customer, and the customer can cut off the discount coupon 104 printed on the payment notice 100 to purchase a corresponding product in the corresponding shop, and view a discount.

12 is a flowchart showing an operation program of the barcode data conversion client according to the present invention. The client 30 reads the barcode from the discount coupon 104 collected through the barcode reader 32 (S1). The read barcode data is converted into computer data (S2), and the converted computer data is created as transaction history data of FIG. 9 and stored in the transaction history database 18. FIG. The information of the created transaction history database is provided to the server 10 for data analysis.

Fig. 13 is a flowchart showing an operation program of a payment notice sending client according to the present invention. The client 20 inputs payment notice shipment information to which a discount coupon is added from the payment notice dispatch database 16 (S4). The bar code of the discount coupon is generated based on the input payment notice sent information (S5), and the printout of the payment invoice printed with the discount coupon is added through the printer 26 (S6).

14 is a flowchart showing an operation program of a server according to the present invention. The server 10 checks whether there is an update of the transaction history database (S7), takes the updated transaction history database, and creates an integrated database (S8).

If there is no renewal at step S7, it is checked if the apartment payment notice is sent (S9), and if it is at the time of shipment, the payment coupon is added with a discount coupon and stored in the shipping database (S10). .

If it is not the sending point in step S9, it is checked whether there is a data analysis instruction (S11) and performs data mining processing using the integrated database (S12). The data mining process is to analyze the customer transaction propensity using the transaction history data obtained through the collected discount coupons. The analysis of customer tendency can be as follows.

1. Transaction Trend Analysis by Apartment Area Code by Apartment Area Code

2. Transaction Trend Analysis by Apartment Equilibria by Apartment Lake

3. Analysis of the ratio of discount coupons used to total discount coupons issued for the target product

4. Analysis of purchase rate by discount price of target product and analysis of maximum selling price

5. Analysis of the geographical distribution of customers using discount coupons used in specific local franchises

6. Analysis of usage distribution by time within the period of use of discount coupon

7. Analysis of the use rate of discount coupon for the target product for each customer

8. Brand Awareness Analysis of Target Products

9. Analysis of Commodity Price Elasticity for Price Decision Making

As described above, the present invention utilizes the mechanism of regular delivery and collection of discount coupons delivered with the administration fee payment statement, early testing for marketability and validity of new products, derivation of product improvements, and further development of new products and portfolios. In terms of the analysis of propensity patterns of consumption patterns can be obtained.

In addition, it is possible to derive a change in acceptance for price changes in a short time by simultaneously conducting in multiple regions selected for sampling through a discount coupon of the present invention, thereby maximizing the company's profits in a short time by changing to an optimal price in a short time. You can.

In addition, through the discount coupon of the present invention, it is possible to identify the effectiveness and brand awareness of each region, and the core customers, thereby establishing a differentiated marketing strategy for each region.

For example, if the recognition of the target product is low in a certain area apartment complex, publicity can be promoted to raise awareness in that area, and in a certain area apartment complex, high value-added visits are made if the consumption of a specific product is high. Product development and marketing analysis for sales are possible.

In addition, it is possible to analyze the location of discount coupon users for the affiliates in a specific region. Therefore, this study analyzes the usage tendency of each affiliate's users by residence and based on the analysis data, differentiates marketing strategies for customers by residence to maximize the sales of the merchants. It is possible to establish.

The discount coupon issuance information is generated based on the analysis result of step S12 (S14). The generated discount coupon issuance information is provided to the client 20 in addition to the payment notice sending data.

If there is no analysis command at step S11, it is checked whether there is an apartment management cost calculation command (S16), and the apartment management fee for each household is calculated based on the provided apartment management information (S17). The calculated apartment management fee data is provided in the payment billing database.

Although described with reference to the embodiments, those skilled in the art can understand that the present invention can be variously modified and changed without departing from the spirit and scope of the present invention described in the claims below. There will be.

As described above, in the present invention, by printing and issuing a discount coupon corresponding to the bill associated with the subscriber's attribute information, region, and equilibrium information, such as an apartment management fee payment bill, the transaction tendency of the user is determined for the result of using the discount coupon. And by analyzing the equilibrium, it is possible to issue an adaptive discount coupon for each customer and region in response to the transaction propensity information analyzed at the time of issuing the next discount coupon.

Therefore, merchants can obtain the advertising effect of direct and powerful shops for apartment residents through discount coupons printed on the bills, and increase the efficiency of use due to the generation of discount coupons that are adaptive to the trading tendency of users. Can be obtained.

Residents of the apartment can receive a discount coupon suitable for their consumption tendency, so it is possible to purchase a product more cheaply, and the apartment manager can make additional profits by printing the discount coupon.

Claims (44)

A first area in which payment notice contents are printed; And A payment invoice with a discount coupon, characterized in that it has a second area printed with a discount coupon. The payment notice of claim 1, wherein the notice further includes a third area in which an advertisement is printed. The payment notice of claim 1, wherein an advertisement image, a discount amount, a period of use, and a customer attribute code of the target product are printed in the second area. The payment notice with a discount coupon according to claim 3, wherein the customer attribute code is at least one of a unique number or a barcode. The payment notice with a discount coupon according to claim 3, wherein the payment notice is an apartment management fee payment notice. The payment notice with a discount coupon according to claim 5, wherein the customer property code includes an apartment area code and a lake number. 4. The payment notice of claim 3, wherein the customer attribute code is at least one of a unique number and a barcode. 4. The payment notice of claim 3, wherein the second area includes a questionnaire for a survey. The method of claim 1, wherein the first area and the second area are printed on the front side of the payment notice, and at least one of an advertisement, a notice item list, or an analysis graph of the payment cost of the customer is printed on the back side. Payment notice with discount coupon. 10. The payment notice with a discount coupon according to any one of claims 1 to 9, wherein the payment notice is A4 size and folded in three sections. A payment invoice issuing unit for issuing a payment invoice for each customer in addition to the discount coupon with the customer attribute code in response to the provided discount coupon issuing information; And Read the customer attribute code from the discount coupon used, analyze the customer transaction tendency of the target product by the read customer attribute code, create the issue information of the discount coupon in response to the analyzed customer transaction tendency, and create the created discount coupon A payment coupon issuing device with a discount coupon, characterized in that it comprises a discount coupon analysis unit for providing the issue information to the bill issuing unit. 12. The apparatus of claim 11, wherein the payment notice is an apartment management fee payment notice. 13. The apparatus of claim 12, wherein the customer property code comprises an apartment area code and a number of apartments. The apparatus of claim 12, wherein the discount coupon added to the payment notice is printed on the same paper as the paper on which the payment contents are printed. The apparatus of claim 12, wherein the discount coupon added to the payment notice is printed on a paper different from the paper on which the payment is printed, and is enclosed in one envelope and mailed. Issuing a payment invoice for each customer, the content of the discount coupon being specified in response to the created discount coupon issuance information, and a discount coupon having customer attribute information added thereto; Collecting the discount coupons used and inputting customer property codes for each merchant and target product; Analyzing a customer transaction tendency of each affiliate store and a target product based on the input customer attribute code; Creating discount coupon issuance information adaptive to the customer in response to the analyzed customer transaction propensity; And Payment coupon issuing method issuing a discount coupon, characterized in that it comprises the step of updating the previous discount coupon issuance information with the created discount coupon issuance information. The method of claim 16, wherein the payment notice is an apartment management fee payment notice. 18. The method of claim 17, wherein the customer property code includes an apartment area code and a number of apartments. 19. The method of claim 18, wherein the customer transaction propensity analysis analyzes the transaction propensity for each apartment region by the apartment area code. 20. The method of claim 19, wherein the customer transaction propensity analysis analyzes the transaction propensity by apartment equilibrium by the apartment number. 20. The method of claim 19, wherein the customer transaction propensity analysis analyzes a ratio of used discount coupons to total discount coupons issued for the target product. 20. The method of claim 19, wherein the customer transaction propensity analysis analyzes a purchase rate of a target product by discount price. 20. The method of claim 19, wherein the customer transaction propensity analysis analyzes a geographical distribution of customers of discount coupons used in a specific local affiliate store. 20. The method of claim 19, wherein the customer transaction propensity analysis analyzes the distribution of usage by time within the use period of the discount coupon. 20. The method of claim 19, wherein the customer transaction propensity analysis analyzes the use rate of the discount coupon for the target product for each customer. 19. The method of claim 18, wherein the discount coupon added to the payment notice is printed on the same paper as the paper on which the payment details are printed. 19. The method of claim 18, wherein the discount coupon added to the payment notice is printed on a paper different from the paper on which the payment is printed and enclosed in one envelope. Storage means for storing a program for issuing a payment invoice with a discount coupon; And The payment invoice issuance program is executed, and in response to the created discount coupon issuance information, a payment invoice with a discount coupon with a customer property code is issued online through the Internet to each customer's e-mail address, and the customer is used from the discount coupon used. Read the attribute code, analyze the customer transaction tendency of the target product with the read customer attribute code, write the issue information of discount coupon in response to the analyzed customer transaction tendency, and issue the previous discount coupon with the created discount coupon issue information A payment invoice issuing device with a discount coupon, characterized in that it comprises a processor for updating information. 29. The apparatus of claim 28, wherein the online payment notice is printed and output together with a discount coupon at a customer terminal. 30. The apparatus of claim 29, wherein the processor provides a discount coupon for a specific product requested by a customer through the customer terminal together with the payment invoice. 31. The payment notice of claim 30, wherein the processor analyzes a customer consumption pattern according to the use of the discount coupon by the customer for a predetermined period and provides an adaptive discount coupon together with the payment notice. Device. Issuing an apartment management fee payment notice for each customer, the content of the discount coupon being specified in response to the created discount coupon issuing information, and a discount coupon having a bar code including the apartment area code and the number of the apartments; Collecting the discount coupons and inputting the barcodes for each merchant and a target product; Analyzing transaction tendency by apartment area and apartment number by affiliate store and target product by the apartment area code and the number of the input bar codes; Creating an adaptive discount coupon issuance information for each apartment area and each lake number in response to the analyzed transaction propensity; And Payment coupon issuing method issuing a discount coupon, characterized in that it comprises the step of updating the previous discount coupon issuance information with the created discount coupon issuance information. A recording medium encoded with a computer program code capable of reading a machine for issuing a discount coupon addition payment statement using a computer, the recording medium including instructions for causing a computer to execute the method. Issuing a payment invoice for each customer, the content of the discount coupon being specified in response to the created discount coupon issuance information, and a discount coupon having customer attribute information added thereto; Collecting the discount coupons used and inputting customer property codes for each merchant and target product; Analyzing a customer transaction tendency of each affiliate store and a target product based on the input customer attribute code; Creating discount coupon issuance information adaptive to the customer in response to the analyzed customer transaction propensity; And And updating previous discount coupon issuance information with the created discount coupon issuance information. 34. The recording medium of claim 33, wherein the payment notice is an apartment management fee payment notice. 34. The recording medium of claim 33, wherein the customer property code includes an apartment area code and a lake number. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes the transaction propensity for each apartment area by the apartment area code. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes the transaction propensity by apartment equilibrium by the apartment number. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes a ratio of used discount coupons to total discount coupons issued for the target product. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes a purchase rate of a target product by discount price. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes a geographical distribution of customers using discount coupons used in a specific local affiliate store. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes the distribution of usage over time within the use period of the discount coupon. 36. The recording medium of claim 35, wherein the customer transaction propensity analysis analyzes a rate of use of a discount coupon for a target product for each customer. 36. The recording medium of claim 35, wherein the discount coupon added to the payment notice is printed on the same paper as the paper on which the payment contents are printed. 34. The recording medium of claim 33, wherein the discount coupon attached to the payment notice is printed on a paper different from the paper on which the payment contents are printed and enclosed in one envelope.