KR20080010375A - How to Generate Customer Purchase Orientation Information - Google Patents

Abstract

The present invention provides a method for generating customer purchase tendency information for generating customer purchase tendency information-purchase tendency information including product repurchase rate information and purchase period information-for a consignment sale product at a merchant, wherein the server sells the consignment sale product. Merchants at the bansa to identify the professional sales step for receiving a payment approval request full text or a cash receipt processing full text from the merchant payment terminal and the server to read the full text received from the server, to identify the product sales professional commissioned by the company at the merchant Check whether the product code of the goods sold in consignment is included, and whether the received preamble is a payment approval request for the goods sold by the merchant through the check of the product code, and the company entrusts the merchant to sell the merchant. Special verification step and check whether the payment approval request for the product is full As a result of the check, if the full text includes a product code of a product entrusted to the merchant at Bansa, the server links the product code included in the full text with the customer card information (or wireless terminal number information) and the purchase date information. When the information storing step and the full text receiving step or the information storing step for storing in a predetermined storage medium continue for a predetermined period of time, the server information is compared with the information stored in the storage medium, and the card information (or wireless terminal number information) is stored. Check the number of repurchases of goods that are consigned to the affiliated store by the matching customer bansa, and generate the customer repurchase rate for the goods consigned to the merchant by the bansa, or the information stored in the storage medium Are compared with each other, and the customer's bansa that matches the card information (or wireless terminal number information) to the merchant. Check the product purchase date information Tak sales, and to confirm the results as a basis, including information generation step of generating customer repurchase period information about products sold on consignment merchants in baensa.

Description

{Method for Creating Customer's Buying Pattern Information}

1A, 1B, 1C, and 1D are diagrams illustrating a product distribution / sales structure for distributing a product through a bansa-based distributor / merchant network and selling it to a visitor visited by a merchant.

FIG. 2 is a diagram illustrating a system configuration for managing a repurchase rate for a product sold through a Bansa-based dealer / merchant network according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a functional configuration of a payment terminal device equipped with a payment processing function for goods sold through the bansa-based dealer / merchant network according to the embodiment of the present invention.

4 is a diagram illustrating a payment approval request specialized structure generated by a payment terminal device according to an embodiment of the present invention.

5 is a diagram illustrating a process of generating and transmitting a full payment approval request in a payment terminal device according to an embodiment of the present invention.

6 is a diagram illustrating an information storing process for calculating repurchase rate information according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of calculating repurchase rate information through information stored in a storage medium according to an embodiment of the present invention.

8A and 8B illustrate a process of calculating repurchase rate information in a payment processing process according to an embodiment of the present invention.

<Description of main parts of drawing>

200: server or device 205: professional transmission unit

210: professional receiving unit 215: payment processing unit

220: information verification unit 225: information extraction unit

230: information storage unit 235: information generating unit

240: storage medium 245: payment network

250: payment server 300: payment terminal device

The present invention provides a method for generating customer purchase tendency information for generating customer purchase tendency information-purchase tendency information including product repurchase rate information and purchase period information-for a consignment sale product at a merchant, wherein the server sells the consignment sale product. Merchants at the bansa to identify the professional sales step for receiving a payment approval request full text or a cash receipt processing full text from the merchant payment terminal and the server to read the full text received from the server, to identify the product sales professional commissioned by the company at the merchant Check whether the product code of the goods sold in consignment is included, and whether the received preamble is a payment approval request for the goods sold by the merchant through the check of the product code, and the company entrusts the merchant to sell the merchant. Special verification step and check whether the payment approval request for the product is full As a result of the check, if the full text includes a product code of a product entrusted to the merchant at Bansa, the server links the product code included in the full text with the customer card information (or wireless terminal number information) and the purchase date information. When the information storing step and the full text receiving step or the information storing step for storing in a predetermined storage medium continue for a predetermined period of time, the server information is compared with the information stored in the storage medium, and the card information (or wireless terminal number information) is stored. Check the number of repurchases of goods that are consigned to the affiliated store by the matching customer bansa, and generate the customer repurchase rate for the goods consigned to the merchant by the bansa, or the information stored in the storage medium Are compared to each other, the customer-specific bansa matching card information (or wireless terminal number information) to the merchant Check the product purchase date information Tak sales, and to confirm the results as a basis, including information generation step of generating customer repurchase period information about products sold on consignment merchants in baensa.

With the expansion of the electronic payment infrastructure, electronic payment services in the form of postpaid / debit payments have become common based on at least one or more electronic payment means such as credit card and / or check card and / or debit card. A van providing a payment network for a payment transaction between a provided payment terminal device and a card company (or financial company) that issued at least one customer card of a credit card and / or a check card and / or a debit card to a visited customer of the merchant. Added Network (VAN), which also operates a bansa-based reseller / merchant network to maintain and manage the established electronic payment infrastructure.

The bansa provides a payment network for payment transactions between a payment terminal device provided in at least one or more merchants and a payment server provided in at least one card company (or financial company), and the payment network fee (or fee) The main source of revenue is imposed on.

Recently, the payment network usage fee (or fee) has been gradually reduced (or reduced), whereby the bans are exposed during the electronic payment processing to expose a predetermined advertisement to a receipt provided to the payment network. Although we are struggling to find alternative revenue sources in addition to fees (or fees), we are not generating as much revenue as we expect.

An object of the present invention is a method for generating customer purchase tendency information for generating customer tendency information-purchase tendency information including product repurchase rate information and purchase period information-for a consignment sale product at a merchant, wherein the server sells consigned goods. The professional receiving step of receiving a payment approval request message or a cash receipt processing message from a merchant payment terminal that sells the bansa by reading the received message from the server, and verifying that the product is a product sales specialty entrusted by the company at the merchant. Check whether or not the product code of the goods sold to the merchant is entrusted to the merchant, and checks the product code whether the received professional is a payment approval request for the goods sold by the merchant, Bansa entrusted to the merchant Professional confirmation team that checks whether the payment approval request for the product is specialized. And if the check result indicates that the preamble includes a product code of a product that is entrusted to the merchant at Bansa, the server stores the product code, customer card information (or wireless terminal number information), and purchase date information included in the preamble. If the information storing step for storing the data in a predetermined storage medium and the specialized receiving step or the information storing step for a predetermined period of time continue, the server stores the card information (or wireless terminal number information) by comparing the information stored in the storage medium with each other. Check the number of times of repurchase of the goods consigned to the affiliated store in the customer-specific bansa matched by), and on the basis of the confirmation result, generates a customer repurchase rate for the goods consigned to the merchant in the bansa, or to the storage medium By comparing the stored information, the customer-specific bansa that the card information (or wireless terminal number information) matches A method for generating customer purchase tendency information including checking information on purchase date of goods sold in a consignment store and generating information on a customer repurchase period for products consigned to a merchant on the basis of the confirmation result In providing.

The present invention provides a method for generating customer purchase tendency information for generating customer purchase tendency information-purchase tendency information including product repurchase rate information and purchase period information-for a consignment sale product at a merchant, wherein the server sells the consignment sale product. Merchants at the bansa to identify the professional sales step for receiving a payment approval request full text or a cash receipt processing full text from the merchant payment terminal and the server to read the full text received from the server, to identify the product sales professional commissioned by the company at the merchant Check whether the product code of the goods sold in consignment is included, and whether the received preamble is a payment approval request for the goods sold by the merchant through the check of the product code, and the company entrusts the merchant to sell the merchant. Special verification step and check whether the payment approval request for the product is full As a result of the check, if the full text includes a product code of a product entrusted to the merchant at Bansa, the server links the product code included in the full text with the customer card information (or wireless terminal number information) and the purchase date information. When the information storing step and the full text receiving step or the information storing step for storing in a predetermined storage medium continue for a predetermined period of time, the server information is compared with the information stored in the storage medium, and the card information (or wireless terminal number information) is stored. Check the number of repurchases of goods that are consigned to the affiliated store by the matching customer bansa, and generate the customer repurchase rate for the goods consigned to the merchant by the bansa, or the information stored in the storage medium Are compared to each other, the customer-specific bansa matching card information (or wireless terminal number information) to the merchant Check the product purchase date information Tak sales, and to confirm the results as a basis, characterized in that comprises an information generating step of generating customer repurchase period information about products sold on consignment merchants in baensa.

According to the present invention, the information storing step, the product code of the goods consigned to the merchant in the bansa included in the preamble, the customer card information (or wireless terminal number information) and the purchase date information for purchasing the consignment sale goods Characterized by storing by the affiliated store (or affiliated store terminal unique number), characterized in that the step of generating information, characterized in that to generate the customer purchase propensity information for each affiliated store.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if 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.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

For example, the following embodiments are illustrated by showing that each means having the above technical features is provided as a functional component included in a predetermined server (or device) provided in Bansa to easily explain the present invention. For example, the customer purchase tendency information is referred to as "repurchase rate information" including at least one or more repurchase times and / or repurchase times and / or repurchase cycles.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1A, 1B, 1C, and 1D are diagrams illustrating a product distribution / sales structure for distributing a product through a bansa-based distributor / merchant network and selling the product to a visit to a merchant visitor.

In more detail, FIGS. 1A, 1B, 1C, and 1D illustrate at least one product manufactured by at least one product manufacturer in a bansa-based dealer / merchant network composed of a predetermined bansa, at least one agent, and a merchant. As an example of an embodiment of the present invention, a method of selling to customers who have visited at least one affiliated store by distributing through the bansa-based distributor / merchant network is provided. At least one product manufactured by at least one product manufacturer by referring to and / or modifying 1b and / or 1c and / or 1d is distributed to the customer visiting at least one merchant by circulating through the Bansa-based distributor / merchant network. Be able to infer different ways of selling However, the present invention includes all the inferred embodiments, and the present invention is not limited to the specific embodiments shown in FIGS. 1A and / or 1B and / or 1C and / or 1D.

1A, 1B, 1C, and 1D, the bansa-based dealer / merchant network includes a predetermined bansa, at least one agency managing at least one affiliated store in association with the bansa, and any one of the agents. It comprises at least one or more affiliated stores managed through one agency.

The bansa provides a payment network between at least one card company (or financial company) and the payment terminal device 300 having an electronic payment function using an electronic payment means issued by the card company (or financial company), Manage at least one or more dealers in the center of the bansa-based dealer / merchant network, and manages at least one or more merchants through the dealer.

The agency may be configured to manage at least one affiliated store, and is responsible for the payment network business alliance and the payment network interworking operation between the bansa and the affiliated store on the bansa-based distributor / merchant network.

* The affiliated store is provided with a predetermined payment terminal device 300 that can be connected to the payment network provided by the bansa through any one of the dealers (for example, lease the payment terminal device 300 can be connected to the bansa through the dealership) Or an electronic payment service using electronic payment means issued to at least one or more customers from at least one card company (or financial company) through the payment terminal device 300. Here, the merchant visiting customer visits the affiliated store, purchases at least one or more types and / or intangible goods sold by the affiliated store, and converts the amount corresponding to the purchased product from the predetermined card company (or financial company) to the customer. It includes a customer who performs payment processing (or payment processing through predetermined cash) through the issued electronic payment means.

Referring to FIGS. 1A, 1B, 1C, and 1D, the bansa-based dealership distributes goods manufactured by at least one product manufacturer through the bansa-based dealer / merchant network and sells them to the merchant visiting customers. At least one product manufacturer is further included in the merchant network.

The product manufacturer is characterized by manufacturing (and / or distribution) at least one or more products to be sold through the bansa-based dealer / merchant network, according to the present invention order request (or purchase request) for the product from the bansa And (or sell) the goods to the bansa, and / or request consignment sales, wherein the bansa-based dealer / merchant network stores the delivered (or sold) merchandise. It is preferable to supply (or deliver) to at least one or more of the product sales agency and / or product distribution agency and / or consignment sales agency and / or final sales organization included in the.

According to an exemplary embodiment of the present invention, the product manufacturer manufactures (and / or distributes) at least one product to sell through the bansa-based dealer / merchant network and supplies it to bansa on the bansa-based dealer / merchant network. It is preferable that the merchandise being sold (or delivered) to the bansa is supplied (or delivered) to at least one dealer through at least one agency based on the bansa-based dealer / merchant network.

According to another exemplary embodiment of the present invention, the product manufacturer manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and supplies the agent to the bansa-based dealer / merchant network ( Or delivery), and the merchandise to be supplied (or delivered) to the agency is preferably supplied (or delivered) to at least one or more affiliate stores based on the bansa-based agency / merchant network.

According to an exemplary embodiment of the present invention, the product manufacturer manufactures (and / or distributes) at least one product to sell through the bansa-based dealer / merchant network and supplies (or distributes) to the merchant on the bansa-based agency / merchant network. Shipping).

The bansa is characterized in that the order request (or purchase request) for at least one or more products to be sold from the product manufacturer through the bansa-based dealer / merchant network in accordance with the present invention, the order request (or purchase request) It is preferable to process the corresponding amount in a transaction between the product manufacturer and the bansa.

According to an embodiment of the present invention, it is preferable to contract a minimum delivery price and a minimum delivery quantity corresponding to the minimum delivery price between the bansa and the product manufacturer, and the order request (or purchase request) by the bansa is It is preferable to request an order (or purchase request) more than the minimum delivery quantity corresponding to the minimum delivery price, whereby the product to be sold is preferably delivered (or sold) at the minimum delivery price.

According to an exemplary embodiment of the present invention, the bansa calculates an order request (or purchase request) quantity for the product based on the quantity of the product sold for a specific product that is finally sold and / or consigned through at least one merchant. If the calculated order request (or purchase request) quantity is smaller than the minimum delivery quantity, the minimum delivery quantity is requested to the product manufacturer (or purchase request) instead of the calculated order request (or purchase request) quantity. The merchandise to be sold is delivered (or sold) at the minimum delivery price.

According to another exemplary embodiment of the present invention, when the minimum delivery price corresponding to the minimum delivery price is contracted between the bansa and the product manufacturer for a predetermined period of time, the bansa is the at least one affiliated store. Calculates an order request (or purchase request) quantity for the product based on the quantity sold of the product for a specific product that is finally sold and / or consigned, and the calculated order request (or purchase request) quantity is the minimum It is preferable to request an order (or a purchase request) from the manufacturer of the product as a delivery quantity, and the quantity of the last order request (or purchase request) and the quantity of the order request (or purchase request) during the predetermined period before the period expires. If the slack quantity is less than the minimum delivery quantity corresponding to the minimum delivery price, the last Statements requested (or purchase requests) quantities are preferably adjusted so as to reach the minimum delivery quantity, whereby the sales target product is delivered (or sell) the minimum delivery price.

In addition, the bansa is characterized by managing the supply (or delivery) of the product to be sold from the product manufacturer to the bansa and / or agents and / or merchants in accordance with the order request (or purchase request).

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the bansa according to an embodiment of the present invention, the bansa It is preferable to check and manage the supply date (or delivery date, or receipt date) and the supplied (or delivery, or receipt) product information for the product.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the agency according to another embodiment of the present invention, It is preferable that Bansa receives the supply date (or delivery date) and the supplied (or delivery) product information of the product from the agency and confirms and manages it.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, the product to be sold is supplied (or shipped) to the affiliated store according to another embodiment of the present invention. The bansa receives a supply date (or delivery date) and information on the supplied (or delivered) product for the product through a payment terminal device 300 provided in the affiliated store, and / or manages the affiliated store. It is preferable to receive the supply date (or delivery date) and the supply (or delivery) of the product information through the product to check and manage it.

In addition, the bansa is characterized in that the product supplied (or shipped) from the product manufacturer is managed to be sold to the merchant visiting customers through the bansa-based dealer / merchant network, whereby the bansa-based bansa-based distributor / It is preferable to have a system (or server) for managing repurchase rates for at least one product manufactured (and / or distributed) by the product manufacturer to a merchant visiting customer through the merchant network.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the bansa according to an embodiment of the present invention, the bansa Supplies (or delivers) the at least one merchant to final sale of the subject merchandise through at least one or more agents, and / or supplies (or delivers) the at least one merchant from the bansa, and supplies (or delivers) It is preferable to sell the amount corresponding to the goods sold by payment processing in the transaction between the bansa and the merchant, and / or to request consignment sales of the goods supplied (or delivered) from the bansa to the merchant.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the agency according to another embodiment of the present invention, The agency sells the target merchandise to at least one merchant that finally sells the product, and sells an amount corresponding to the supplied product by processing the transaction between the bansa and the merchant, and / or from the bansa to the merchant. It is desirable to request a consignment sale of the supplied (or delivered) goods.

When the bansa order (or purchase request) at least one or more products to be sold from the product manufacturer, the product to be sold (or delivered) to the affiliated store according to another embodiment of the present invention, It is preferable that the affiliated store handles an amount corresponding to the supplied product in a transaction between the bansa and the affiliated store.

Payment processing between the bansa and the merchant is characterized in that it comprises any one of the post-payment payment, and / or debit payment, and / or prepaid payment.

The post-pay payment method between the bansa and the affiliated store according to an embodiment of the present invention may include the final sale and / or sale of the product to at least one merchant visiting customer at the affiliated store after the product is pre-supplied (or delivered) to the affiliated store. When the consignment is sold, a method of periodically performing payment processing after an amount of money corresponding to the sold product is minimized, and the burden on the affiliated store is minimized.

In the debit method payment between the bansa and the affiliated store according to another embodiment of the present invention, after the product is supplied (or delivered) to the affiliated store, the payment amount corresponding to the product supplied (or delivered) from the affiliated store is settled. As a method of processing, it may be applied when the sales performance of the merchant is low, or when the deferred payment process is overdue more than a prescribed number (or period).

In the prepaid payment method between the bansa and the affiliated store according to another embodiment of the present invention, when the order request (or a purchase request, or a delivery request) of the product is performed from the affiliated store to the bansa (or dealership), A method of prepaying the amount of the order request (or purchase request or delivery request) before supplying (or delivering) the product, wherein the merchant exceeds the order limit and requests the order (or purchase request or delivery request). Or when the sales performance of the merchant is low, or when the deferred payment process is overdue more than a prescribed number (or period).

According to another exemplary embodiment of the present invention, the distributor may sell at least one product manufactured (and / or distributed) by the product manufacturer in association with the bansa to the merchant visiting customer through the bansa-based dealer / merchant network. A system (or server) for managing the repurchase rate of at least one product manufactured (and / or distributed) by the product manufacturer to a merchant visiting customer through the bansa-based distributor / merchant network. Is preferably provided.

After the merchant on the bansa-based dealer / merchant network has received (or shipped) a predetermined product from the manufacturer of the product, and / or the product (or delivered) from the bansa and / or the agent, A final sale and / or consignment sale of the supplied (or delivered) goods to at least one merchant visiting customer.

The affiliated store may request an order (or a purchase request, or a delivery request) for at least one or more target merchandise to the bansa through a predetermined payment terminal device 300, and / or at least one or more to the bansa through the agency. Order request (or purchase request, or delivery request) for the merchandise to be sold, whereby the merchant stores the quantity of the order request (or purchase request, or delivery request) among the goods already held by the bansa (or dealer). Received (or shipped) a product corresponding to the final sale and / or consignment sales.

When the order request (or purchase request, or delivery request) from the merchant, the bansa is characterized in that the screening the order limit quantity for the merchant, the order request (or purchase request exceeding the order limit quantity from the merchant) , Or to request delivery).

In addition, when the order request (or purchase request, or delivery request) from the merchant, the bansa exceeds the quantity of the order request (or purchase request, or delivery request) of the goods held by the bansa (or dealer) And if the quantity of the held product is less than the quantity of the order request (or purchase request or delivery request), the ban company sends the order request (or purchase request or delivery) from the merchant to the product manufacturer. It is preferable to request (or purchase) the requested product to the product manufacturer.

In the embodiment illustrated in FIG. 1A, when at least one product manufacturer delivers (or sells) at least one product to bansa, the bansa supplies and sells the product to at least one affiliated store, or the product at the bansa. Selling the supplied goods to at least one blind store managed by the distributor through at least one or more dealers and sells the supplied goods to merchants receiving strong goods from the bansa, visited by the merchant at least one merchant To an embodiment for final sale.

Referring to FIG. 1A, the product manufacturer corresponds to a product manufacturing institution that manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and delivers (or sells) the product to the bansa. The ban company corresponds to a merchandise sales agency that receives an order request (or purchase request) at least one product from the product manufacturer, and then receives the order request (or purchase request) from the product manufacturer, wherein the order The requested (or purchase requisition) product may be supplied (or delivered) from the product manufacturer to bansa, and / or supplied (or delivered) from the product manufacturer to the distributor, and / or supplied from the product manufacturer to the merchant ( Or delivery), and the present invention is not limited thereto.

In addition, in FIG. 1A, the agency distributes at least one or more merchandise sold by the bansa to at least one affiliated store, and / or at least one or more merchandise sold by the bansa is distributed to at least one or more affiliated stores. The merchant may request at least one or more products from the bansa (or distributor) to request the order (or purchase request, or delivery), the order request (or purchase) from the bansa (or dealer) Request, or delivery request) A final sales agency that receives (or delivers) a product and sells it to at least one merchant visiting customer.

In FIG. 1A, before the product manufacturer delivers (or sells) an order request (or purchase request) from the bansa to the bansa (for example, the order request (or purchase request) to the bansa) Before supplying (or delivering), and / or supplying (or delivering) to the agent, and / or supplying (or delivering) to the merchant, or during delivery (or sale), or delivery (or sale) After that, the payment amount for the product is characterized in that it is processed as sales of the product manufacturer (and / or bansa expenses), whereby the product manufacturer pays VAT (or income tax) on the payment amount There is an obligation to do so, and the bansa will be able to treat the payment as an expense.

According to the method of the present invention, after the order request (or purchase request, or delivery request) for the goods from the merchant to the bansa, the goods from the bansa and / or distributor is supplied (or shipped) to the merchant And / or the amount of payment for the product from the product manufacturer before, during, or after supply (or delivery) of the product to the merchant, or after the supply (or delivery) of the product; At the delivery price delivered from the product manufacturer to the bansa, at least one of the bansa profits and / or the agency fees and / or the goods storage fee and / or distribution costs and / or payment fees. The payment amount is characterized in that the sales of the bansa (and / or the merchant's expenditure) is processed, whereby the bansa And the obligation to pay the tax (or income) for the period payment occurs, the merchant is able to process the payment for expenses.

The implementation method shown in FIG. 1 b delivers (or sells) at least one product to bansa from at least one product manufacturer, and delivers the product to bansa (and / or distributor, and / or on the bansa-based dealer / merchant network). When supplying (or delivering) to an affiliated store, the bansa consigns the goods through at least one or more merchants, and the merchants consigned to the at least one merchant visiting customer to sell the consignment products .

Referring to FIG. 1B, the product manufacturer corresponds to a product manufacturing institution that manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and delivers (or sells) to the bansa. The ban company receives an order request (or purchase request) of at least one product from the product manufacturer, receives the order request (or purchase request) product from the product manufacturer, and transfers the received product to at least one affiliate store. A consignment sales request agency requesting consignment sales, wherein the order request (or purchase requisition) product is supplied (or shipped) from the product manufacturer to bansa, and / or from the product manufacturer to the distributor ( Or delivery) and / or supplied (or delivered) from the product manufacturer to the merchant. , To which the present invention is not limited.

In addition, in FIG. 1B, the agency may include a consignment sales agency consigning and selling at least one or more merchandise requested by the ban company to at least one affiliate store, and / or at least one or more consignment sales request by the bansa. It corresponds to a merchandise distribution agency for distribution to the above merchants, the merchants request the supply (or delivery request) of at least one or more consignment sales products to the bansa (or distributor), and then the supply request ( Or a request for delivery) corresponds to a consignment sales agency receiving a supply (or delivery) of goods and consigning to at least one merchant visit customer, wherein the goods sold in the merchant are not the sales of the merchant but the bansa (consignment sale request). It is preferable to be treated as sales of the agency).

In FIG. 1B, before the product manufacturer delivers (or sells) an order request (or purchase request) from the bansa to the bansa (for example, the order request (or purchase request) to the bansa) Before supplying (or delivering), and / or supplying (or delivering) to the agent, and / or supplying (or delivering) to the merchant, or during delivery (or sale), or delivery (or sale) After that, the payment amount for the product is characterized in that it is processed as the sales of the product manufacturer (and / or bansa expenses), whereby the product manufacturer is responsible for VAT (or income tax) on the payment amount There is an obligation to pay, and the bansa can treat the payment as an expense.

According to the implementation method of the present invention, the selling price for the consignment goods sold by the merchant is the delivery price delivered from the product manufacturer to the bansa, the profits of the bansa and / or the agency fee and / or product storage fee and And / or at least one distribution fee and / or payment fee and / or the merchant fee.

In addition, the sales of the goods sold in the merchants is characterized in that the sales of the bansa corresponding to the consignment sales request agency, not the merchants, whereby the bans VAT (or income tax) for the payment amount There is an obligation to pay).

The implementation method shown in FIG. 1C provides (or delivers) at least one or more products to a bansa (and / or distributor, and / or merchant) on the bansa-based dealer / merchant network at least one or more product manufacturers. According to an embodiment of the present invention, when a product manufacturer requests consignment sale through at least one affiliate store and supplies (or delivers) the product to the blind store, the affiliate store consigns the product to at least one affiliated store visitor. will be.

Referring to FIG. 1c, the product manufacturer requests consignment sales to a product manufacturing organization that manufactures (and / or distributes) at least one product to sell through the bansa-based dealer / merchant network, and / or at least one or more merchants. A consignment sales request agency, wherein the merchandise requested by the merchandise manufacturer is supplied (or shipped) from the merchandise manufacturer to bansa, and / or the merchandise manufacturer is supplied (or delivered) to the agency. , And / or may be supplied (or shipped) from the product manufacturer to the affiliated store, and the present invention is not limited thereto.

In addition, in FIG. 1C, the ban company supplies (or delivers) the consignment product requested for the order (or purchase request) from the product manufacturer after the supply request (or delivery request) of the consignment product to the corresponding product manufacturer. And a consignment sales agency that consigns and sells the consignment merchandise to at least one affiliate store, and / or a merchandise distribution institution distributing the consignment merchandise to at least one affiliate store, wherein the agency stores the consignment product at least. A consignment sales agency consigned to one or more merchants, and / or a commodity distribution agency that distributes the consignment merchandise to at least one merchant, wherein the merchant manufactures and / or sells the at least one consignment product After requesting supply (or requesting delivery) to a bansa (or distributor), the product manufacturer and / or Corresponding sales agency that receives (or delivers) the supply request (or delivery request) product from a bansa (or a distributor) and consigns to at least one merchant visiting customer, wherein the merchandise sold by the merchant is It is preferable to process the sales of the product manufacturer (consignment sales request agency), not the sales of the merchant.

In FIG. 1C, before the supply (or delivery), supply (or delivery), or supply (or delivery) of the product (or delivery) requested to supply (or delivery) from the bansa is performed by the product manufacturer. After that, the payment amount for the product is characterized in that it is processed as sales of the product manufacturer (and / or the expenses of the bansa), whereby the product manufacturer will pay VAT (or income tax) for the payment amount An obligation arises, and the bansa can treat the payment as an expense.

According to the method of the present invention, the selling price for the consignment goods sold by the affiliated store is the price supplied by the product manufacturer to the bansa, the profit (or fee) of the bansa and / or the agency commission and / or It is preferable that the product storage fee and / or distribution cost and / or payment fee and / or at least one of the merchant fee.

In addition, the sales for the goods consigned by the affiliated store is characterized in that it is processed as the sales of the product manufacturer corresponding to the consignment sales request agency, not the affiliated shop, whereby the product manufacturer is a VAT for the payment amount ( Or income tax).

The implementation method shown in FIG. 1D delivers (or sells) at least one product from an at least one product manufacturer to a distributor, and delivers the product to a bansa (and / or distributor, and / or on the bansa based distributor / merchant network). When supplying (or delivering) to an affiliated store, the agency requests consignment sale of the product through at least one affiliated store, and the affiliated store consigns and sells the consignment sale product to at least one affiliated store visitor. .

Referring to FIG. 1D, the product manufacturer corresponds to a product manufacturing institution that manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and delivers (or sells) the product to the agency, The delivered (or sold) product is supplied (or shipped) from the product manufacturer to bansa, and / or is supplied (or delivered) from the product manufacturer to the distributor, and / or from the product manufacturer to the merchant. (Or delivery) are all possible, by which the present invention is not limited.

The ban company supplies (or delivers) the consigned merchandise to the corresponding product manufacturer, and then supplies (or delivers) the consigned merchandise requested for the order (or purchase request) from the merchandise manufacturer to provide at least one agency ( And / or an affiliated store), wherein the agency corresponds to a consignment sale requesting agency requesting consignment sales of the consignment product to at least one affiliate store, wherein the affiliated store is at least one consignment product. After supplying (or requesting delivery) to the relevant product manufacturer and / or bansa (or dealership), supplying (or delivering) the supply requesting (or delivery request) product from the product manufacturer and / or bansa (or dealership) It corresponds to a consignment sales agency that receives consignment sales to at least one merchant visit customer, at this time The consignment product is preferably treated as sales of the agency (consignment sales requesting agency), not sales of the affiliated store.

In FIG. 1D, before the product manufacturer delivers (or sells) an order request (or purchase request) product from the bansa to the agency (eg, the order request (or purchase request) product to the bansa) Before supplying (or delivering), and / or supplying (or delivering) to the agent, and / or supplying (or delivering) to the merchant, or during delivery (or sale), or delivery (or sale) After that, the payment amount for the product is characterized in that it is processed as sales of the product manufacturer (and / or bansa expenses), whereby the product manufacturer pays VAT (or income tax) on the payment amount There is an obligation to do so, and the agency will be able to process the payment as an expense.

According to the method of the present invention, the selling price for the consignment merchandise at the merchant is equal to the delivery price at the merchandise manufacturer, the profit (or commission) of the bansa, and / or the profit (or commission) of the agency and And / or at least one or more of a product storage fee and / or a distribution fee and / or a payment fee and / or the merchant fee.

In addition, the sales for the goods consigned by the affiliated store is characterized in that it is processed as the sales of the agency corresponding to the consignment sales requesting agency, not the affiliated store, whereby the agency is VAT (or income tax) on the payment amount There is an obligation to pay).

FIG. 2 is a diagram illustrating a system configuration for managing a repurchase rate for a product sold through a Bansa-based dealer / merchant network according to an embodiment of the present invention.

More specifically, Figure 2 is a predetermined server (or device) provided in the bansa, when the payment approval request message including the predetermined product code information is transmitted from the payment terminal device 300 provided in a predetermined merchant ( 200) extracts the product code information and card number information from the full payment approval request, and stores and stores the connection time for the product through the bansa-based dealer / merchant network based on the stored information As an implementation method for a system configuration for calculating a repurchase rate for a sold product, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 2 to designate a predetermined merchant payment terminal device ( Extract product code information and card number information from the payment approval request text received from 300), and process the purchase time for the product in association. After storing the information, the present invention may infer various implementation methods for calculating a repurchase rate for a product sold through the bansa-based dealer / merchant network based on the stored information. It is not limited to the implementation method shown in FIG.

The payment terminal device 300 provided in the affiliated store provides a credit inquiry terminal () for providing an electronic payment service using an electronic payment means corresponding to a credit card and / or a check card possessed by the visiting customer, or the visiting customer of the merchant. It includes all kinds of terminal devices that can provide electronic payment service using electronic payment means, such as a debit terminal that provides electronic payment service using electronic payment means corresponding to the debit card, and includes a specific payment terminal device ( It is not limited to 300). A preferred configuration for the payment terminal device 300 will be described in detail with reference to FIG.

The server (or device) 200 for calculating a repurchase rate for the goods sold through the bansa-based dealer / merchant network is information extracted from the full payment approval request received from the payment terminal device 300, and / or Or a storage medium 240 for interworking and storing time information or interworking with the storage medium 240. For example, the storage medium 240 is provided in at least one or more storage devices provided in the server (or device) 200 or a predetermined DBMS (DataBase Management System) interoperating with the server (or device) 200. And / or DB server.

Referring to FIG. 2, the server (or device) 200 receives at least one full payment approval request message from a payment terminal device 300 provided at a predetermined affiliate store through a predetermined affiliated store payment network 245-1. Read the specialized receiving unit 210 and the payment approval request text received through the professional receiving unit 210 and read the payment approval request message contains product code information sold through the bansa-based dealer / merchant network Confirmation information confirmation unit 220 and, if the check result, the received payment approval request message contains product code information sold through the Bansa-based dealer / merchant network, the product code information from the payment approval request message And an information extraction unit 225 for extracting customer card information, and product code information, customer card information, and the like extracted from the full payment approval request. An information storage unit 230 for processing the purchase time information received by the payment approval request text in association with the predetermined storage medium 240, and product code information, customer card information, and purchase time stored in the storage medium 240. An information generation unit 235 for reading information and calculating repurchase rate information including a number of times a customer corresponding to the customer card information repurchases a product corresponding to the product code information and / or a repurchase time and / or a repurchase cycle It characterized by comprising a.

In addition, the server (or device) 200 through the payment network 245-2 on a predetermined card company (or financial company) side based on the full payment approval request message received through the specialized receiving unit 210 (or the card company (or It is characterized in that it comprises a payment processing unit 215 for performing the payment approval process in conjunction with the payment server 250 provided in the financial institution.

In addition, the server (or device) 200 and the payment processing unit 215 and the payment server 250 provided to the card company (or financial company) through the payment network 245-2 on the card company (or financial company) side; After the payment approval procedure corresponding to the payment approval request message is received from the payment server 250 after the payment approval procedure corresponding to the payment approval request message is interlocked, the payment approval message is sent to the merchant side payment network. It is preferable to further comprise a specialized transmission unit 205 for transmitting to the payment terminal device 300 through (245-1).

According to an embodiment of the present invention, the professional receiver 210 and the professional transmitter 205 may be connected to at least one affiliated store through a predetermined merchant side payment network 245-1 from the electronic payment processing system provided in the bansa. It is preferable to correspond to the external system that connects the provided payment terminal device 300 and the communication channel for the payment transaction.

The specialized receiver 210 receives at least one full payment approval request message transmitted from the payment terminal device 300 provided at the affiliated store through the affiliated store payment network 245-1. The payment approval request text is provided to the payment processing unit 215 and the information checking unit 220.

* The information confirming unit 220 reads the payment approval request text received through the specialized receiving unit 210, thereby confirming and reading the product code information corresponding to the product code item of the received payment approval request message, The payment approval request is characterized in that it is to check whether the payment approval request for the product sold in the franchise or the payment approval request for payment processing for the goods sold through the bansa-based dealer / merchant network. .

According to the exemplary embodiment of the present invention, the information confirming unit 220 extracts the product code information from the payment approval request message received through the special receiving unit 210 and reads the extracted product code information. It is preferable to check whether the received payment approval request text is a payment approval request text for a product sold by the merchant or a payment approval request text for payment processing on a product sold through the bansa-based dealer / merchant network. Do.

When the extracted product code information conforms to the code standard defined by the bansa according to an embodiment of the present invention, the information checking unit 220 by reading the extracted product code information based on the code standard Verifying whether the received payment approval request is a payment approval request for a product sold by the affiliated store or a payment approval request for payment processing for a product sold through the bansa-based dealer / merchant network. desirable.

According to another exemplary embodiment of the present invention, the information checking unit 220 stores product code information sold through the bansa-based dealer / merchant network using the extracted product code information as a keyword. Search for D / B (not shown), and if the product code information matching the extracted product code information is found from the product information D / B (not shown), the received payment approval request text is based on the bansa. Check the payment approval request for payment processing for the goods sold through the dealership / merchant network, the product code information matching the extracted product code information from the product information D / B (not shown) is not retrieved In this case, it is preferable to check the received payment approval request full text for the payment approval request for the product sold by the affiliated store.

According to another embodiment of the present invention, to determine whether the payment approval request is a payment approval request for payment processing for goods sold through the Bansa-based dealer / merchant network in the transaction classification item of the received payment approval request. When the transaction classification information is included, the information confirming unit 220 extracts the transaction classification information corresponding to the transaction classification item from the payment approval request text, and reads the extracted transaction classification information, thereby receiving the received information. It is preferable to check whether the payment approval request full text is a payment approval request for the goods sold by the merchant or the payment approval request for payment processing for the goods sold through the bansa-based dealer / merchant network. For example, when the transaction classification information of the transaction classification item corresponds to "consignment sales approval" or "consignment sales cancellation", the received payment approval request text is paid for the goods sold through the bansa-based dealer / merchant network. When the transaction identification information corresponds to a conventional "credit approval request" or "credit approval cancellation", the received payment approval request text is the payment for the goods sold by the affiliated store. Confirmed in full with approval request.

If the check result of the information confirming unit 220, the received payment approval request full text is the payment approval request for payment processing for the goods sold through the Bansa-based dealer / merchant network, the information extraction unit ( 225) extracts the customer card information corresponding to the TRACK II data item and the product code information sold through the bansa-based dealer / merchant network from the full text of the payment approval request; and the extracted customer card information and products Code information is provided to the information storage unit 230.

According to an embodiment of the present invention, the information extracting unit 225 further extracts the terminal information from the payment approval request message when the payment approval request message includes predetermined terminal information corresponding to the affiliate store. The information storage unit 230 may provide the information storage unit 230. In this case, the information storage unit 230 may further store the terminal information in association with the information stored in the storage medium 240.

According to one embodiment of the present invention, the information extraction unit 225 reads the time information received by the payment approval request message from the timer provided in the server (or device) 200, the customer at the merchant It is preferable that the customer having a card extracts purchase time information for purchasing a product sold through the bansa-based dealer / merchant network, and the process of extracting the purchase time information is performed by the information storage unit 230. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the full text generation time is included in the full text of the payment approval request, the information extracting unit 225 may have a customer holding the customer card from the received full text of the payment approval request. It is preferable to extract the purchase time information for purchasing the product sold through the bansa-based dealer / merchant network, the process of extracting the purchase time information may be carried out by the specialized receiver 210, thereby The present invention is not limited.

Product code information corresponding to a product sold through the bansa-based dealer / merchant network from the information extraction unit 225, and customer card information corresponding to a customer who purchases a product sold through the bansa-based dealer / merchant network Is extracted, and when the purchase time information including the time at which the customer purchased the product sold through the bansa-based dealer / merchant network is extracted, the information storage unit 230 is connected to the product code information. The customer card information and the purchase time information may be processed in a predetermined storage medium 240.

According to an embodiment of the present invention, the information extracting unit 225 is a terminal corresponding to an affiliated store that sells a product sold through the Bansa-based distributor / merchant network from the payment approval request message to a customer corresponding to the customer card information. When the information is extracted, the information storage unit 230 is characterized in that the product code information, the customer card information, the purchase time information and the terminal information is stored in a predetermined storage medium 240.

According to the exemplary embodiment of the present invention, in order to efficiently manage the information stored in the storage medium 240, the information storage unit 230 uses the information extracted by the information extraction unit 225 to store the customer card information. The information sorted and stored by the reference, and / or the information extracted by the information extracting unit 225, sorted and stored based on the product code information, and / or the information extracted by the information extracting unit 225 It is possible to arrange the information on the basis of the terminal information and store it, thereby facilitating the information generation unit 235 to calculate the repurchase rate information.

The information generating unit 235 reads the product code information, the customer card information, the purchase time information, and / or the terminal information stored in the storage medium 240 by the information storage unit 230 to correspond to the customer card information. And repurchase rate information including a number of times a customer repurchases a product corresponding to the product code information and / or a repurchase time and / or a repurchase cycle.

According to the exemplary embodiment of the present invention, the information generating unit 235 receives a predetermined payment approval request full text from the payment terminal device 300 provided at a predetermined affiliated store through the specialized receiving unit 210, and the information. The full payment approval request is confirmed by the verification unit 220 as a full payment approval request for payment processing for the goods sold through the Bansa-based dealer / merchant network, the payment by the information extraction unit 225 When the customer card information and the product code information are extracted from the entire request for approval, the product code information and purchase time information and / or the terminal associated with the customer card information from the storage medium 240 using the customer card information as a keyword. By extracting and reading the information, the number of times the customer corresponding to the customer card information has previously repurchased the product corresponding to the product code information. And / or repurchase rate information including repurchase time and / or repurchase cycle. At this time, when the calculated repurchase rate information satisfies a condition that a predetermined discount policy can be applied by the incentive policy stored in an incentive D / B (not shown) that stores an incentive policy for each repurchase rate. The bansa may provide a discount service for a product corresponding to the product code information to the customer.

According to another exemplary embodiment of the present invention, the information generating unit 235 periodically uses the customer card information corresponding to a specific customer from the storage medium 240 as a keyword to the customer card information from the storage medium 240. By extracting and reading the product code information and the purchase time information and / or terminal information associated with the information, the number of times and / or repurchase time and the number of times the customer corresponding to the customer card information previously purchased the product corresponding to the product code information and It is desirable to calculate repurchase rate information including repurchase cycles. At this time, the predetermined repurchase rate information is stored in the prize information D / B (not shown) storing the prize information for each predetermined repurchase rate. Alternatively, when the condition that the bans can be provided to the customer) is satisfied, the bansa may provide the customer with a predetermined prize corresponding to the prize information. For example, when the prize is to purchase a product corresponding to the product code information in the merchant, one of the same product free to the customer according to the prize information, or provide an accessory for the product to the customer It may include doing.

According to another exemplary embodiment of the present invention, the information generator 235 periodically uses the product code information corresponding to a specific product from the storage medium 240 as a keyword, and the product code from the storage medium 240. By extracting and reading customer card information, purchase time information and / or terminal information associated with the information, the number of times a customer who has previously purchased a product corresponding to the product code information and / or repurchase time and It is desirable to calculate repurchase rate information including repurchase cycles. In this case, when the repurchase rate information calculated by the bansa provides a predetermined event participation right to a customer satisfying a specific condition, the bansa provides the event participation right to a customer that satisfies the event participation condition (eg, a merchant) The mobile phone information may be requested to the customer through the mobile phone information, and the event mobile phone information may be provided to the provided mobile phone, or the event mobile phone information may be provided to the customer in association with a card company (or a financial company) having customer card information and customer information.

The payment processing unit 215 is received through the professional receiving unit 210 in conjunction with the payment server 250 provided in the card company (or financial company) through the card company (or financial company) side payment network (245-2). And performing a payment approval procedure corresponding to the full payment approval request text message, receiving a payment approval text corresponding to the full text of the payment approval request message from the payment server 250, and receiving the received payment approval text. The full text is provided to the full text transmitter 205.

According to an embodiment of the present invention, when the payment approval request message processed by the payment processing unit 215 is a payment approval request message corresponding to a product sold by the affiliate store, the payment processing unit 215 from the payment server 250. The payment approval message received as may correspond to a payment approval message corresponding to a product sold by the affiliated store.

According to another embodiment of the present invention, if the full payment approval request processed by the payment processing unit 215 is a payment approval request for payment processing for goods sold through the bansa-based dealer / merchant network, the payment server ( The payment approval text received from the payment processing unit 215 from 250 may correspond to the payment approval text corresponding to the payment approval request text for the payment processing for the goods sold through the Bansa-based dealer / merchant network. .

In accordance with another embodiment of the present invention for the information replacement (change) to the payment approval request text received through the specialized receiving unit 210 and / or payment processing for goods sold through the bansa-based dealer / merchant network When generation of a predetermined payment approval request text is required based on the received payment approval request text, the payment processing unit 215 replaces (changes) information on the payment approval request text received through the text receiving unit 210. And / or a function of generating a predetermined payment approval request text based on the received payment approval request text for payment processing for goods sold through the bansa-based dealer / merchant network. Thereby, this invention is not limited.

The specialized transmission unit 205 is a payment approval request for payment processing for a product approved by the payment processing unit 215 for the product sold in the affiliated store, or through the Bansa-based dealer / merchant network. When the payment approval text corresponding to the full text is provided, the provided payment approval text is transmitted to the payment terminal device 300 provided in the affiliated store through the merchant side payment network 245-1.

According to an embodiment of the present invention, when the payment approval message transmitted by the specialized transmission unit 205 to the payment terminal device 300 provided in the affiliated store is a payment approval message corresponding to a product sold by the affiliated store, the payment It is preferable that the payment procedure for the goods sold by the affiliated store is completed by the terminal device 300.

According to another exemplary embodiment of the present invention, the payment approval message transmitted by the specialized transmission unit 205 to the payment terminal device 300 provided in the affiliated store is for a product that is sold through the Bansa-based distributor / blind spot network. In the case of a payment approval specialist corresponding to a full payment approval request for payment processing, it is preferable that the payment procedure for the goods sold through the bansa-based dealer / merchant network in the affiliated store is completed by the payment terminal device 300. .

3 is a diagram illustrating a functional configuration of a payment terminal device 300 having a payment processing function for a product sold through the bansa-based dealer / merchant network according to the embodiment of the present invention.

In more detail, Figure 3 is an embodiment of a payment terminal device 300 for payment processing for goods sold through the bansa-based dealer / merchant network at a predetermined merchant, in the technical field to which the present invention belongs Those skilled in the art can infer and configure various payment terminal device 300 functions for payment processing for goods sold through the bansa-based dealer / merchant network by referring to and / or modifying the drawing 3. However, it is to be understood that the technical features of the present invention are not limited by the drawing 3 but include all the inferred implementation methods.

Referring to FIG. 3, the payment terminal device 300 basically includes a control unit 305, a memory unit 350, a card reader 310, a key input unit 320, a screen output unit 315, and a communication processing unit ( 330, the security application module 335, the print output unit 340, and the power supply unit 325 for supplying power to the payment terminal device 300, and at least one terminal function according to the intention of those skilled in the art. It includes a part (not shown).

The control unit 305 controls the overall operation of the payment terminal device 300 in the functional configuration, manages the flow of information or data between each component, payment for goods sold through the Bansa-based dealer / merchant network Characterized in that controls the components provided in the payment terminal device 300 for the processing function, at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) For example, it comprises a register and / or RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and also to perform a function specific to the payment terminal device 300 by software A predetermined program routine (Routine) which is loaded from the predetermined recording medium into the execution memory and is processed by the processor; And / or a predetermined program recorded on a recording medium provided in the payment terminal device 300 for the payment processing function for the goods sold through the Bansa-based distributor / merchant network. The control unit 305 is provided with a component that can be processed in software among the functional components provided in the payment terminal device 300 for the payment processing function for goods sold through the Bansa-based dealer / merchant network. It is characterized in that it is made.

According to the exemplary embodiment of the present invention, the control unit 305 is a component (eg, the memory unit 350, the card reader unit 310, the key input unit 320, and the screen) provided in the payment terminal device 300. The payment terminal device by interworking an output unit 315, a communication processing unit 330, a security application module 335 and a print output unit 340 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art) In addition to controlling and managing the provision of the electronic payment service defined in (300), the payment terminal device 300 is provided for the payment service for goods sold through the Bansa-based dealer / merchant network according to the present invention. A program recorded on a recording medium provided in the payment terminal device 300 for payment destination service for goods sold through the bansa-based distributor / merchant network and / or controlled by interworking the components. It is preferable to carry out.

The memory unit 350 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 300 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 305 is a predetermined program routine and program data required to perform a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit 350 is a memory of the memory unit 350 to provide a payment service for goods sold through the Bansa-based dealer / merchant network according to the present invention. In the read / write memory area, it is preferable to store the product information on the product sold through the Bansa-based dealer / merchant network.

According to another embodiment of the present invention, when the merchant consigns and sells the merchandise sold through the bansa-based dealer / merchant network, the memory unit 350 provides a consignment payment service for the consignment goods. Merchant sales terminal information (not shown), and / or consignment sales terminal in at least one or more memory areas of a read only memory (ROM) area or a read / write memory area of the memory constituting the memory unit 350 Information (not shown) may be stored separately, and in this case, when the affiliated store provides a consignment payment service for the consignment sale product, a terminal included in the full payment approval request generated by the payment terminal device 300. Information may include the consignment terminal information.

The customer receiving payment service for goods sold through the Bansa-based dealer / merchant network according to the present invention through the payment terminal device 300, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and Carry a contact IC card (or wireless IC chip) based on ISO / IEC 7816 and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 (Or owns), the card reader 310 is characterized by providing an interface for reading at least one or more information or data provided in the card.

According to the method of the present invention, the card reader 310 is an MS reader for providing an interface between the MS card and the payment terminal device 300, and / or the contact IC card and the payment terminal device ( 300) a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal device 300.

The MS reader unit is a card reader unit 310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal device 300 by using the loaded.

The contact IC reader unit is a card reader unit 310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal 300.

The contactless IC reader unit is a card reader unit 310 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal device (300).

According to an exemplary embodiment of the present invention, the card reader unit 310 may provide predetermined card information (eg, to a card) from at least one card reader unit 310 for an electronic payment service defined in the payment terminal device 300. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, check card, debit card, cash card, financial account provided.

The key input unit 320 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or signal) input from the key input device of the controller and changes the input mode and / or operation mode of the payment terminal device 300 in cooperation with the controller 305 based on the information (or signal). (Or switch) and / or predetermined information from a predetermined key button provided in the key input device in a specific input mode and / or operation mode of the payment terminal device 300 controlled by the control unit 305. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305, and the controller 305 is Payment terminal Acquiring predetermined key data corresponding to the key event in the current input mode and / or operating mode of the device 300, and / or acquiring an instruction to execute a predetermined function matched with the key event. It features. The key input unit 320 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the payment terminal device 300.

The key input device interworking with the key input unit 320 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or Korean). Keyboard device having a character key) and a function key, and / or have at least one numeric key and a function key in conjunction with the screen output means, and / or have at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

In addition, the key input unit 320 receives key data (eg, payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal device 300. It is preferable to perform the function of the key input means.

The screen output unit 315 is a liquid crystal display (LCD) and / by the control unit 305 in the process of the payment terminal device 300 performs a predetermined function (for example, the electronic payment processing function using a card) Or outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The unit 315 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 300.

Predefined information or data to be output from the payment terminal device 300 to the screen output device, the key data input through the key input unit 320, and / or is provided in the payment terminal device 300. Information (or data) stored or generated by a component that is present, information (or data) transmitted / received through the communication processor 330, and / or a predetermined operation result performed by the payment terminal device 300. (Or data) comprising at least one.

According to a preferred embodiment of the present invention, the screen output unit 315 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for an electronic payment service processed through the payment terminal device 300. It is preferable to perform the function of the screen output means.

The communication processing unit 330 is a terminal (or VAN (Value Added Network)) terminal (or VAN (Value Added Network)) in the process of performing the predetermined function (for example, the electronic payment processing function using a card) the terminal (or Server) and / or a terminal (or device) connected to the payment terminal device 300 through a predetermined cable and / or a terminal (or device) connected to the payment terminal device 300 through a predetermined short-range wireless communication. And a predetermined communication means for connecting a communication session with a network communication unit for connecting a predetermined communication channel with a server (or device) 200 on a wired or wireless network, and / or a predetermined cable communication port. A cable communication unit for connecting a communication session with a predetermined terminal (or device) via a network, and / or a predetermined short distance communication terminal (or device) through at least one short-range wireless communication means. It comprises a short-range wireless communication unit for connecting a device and a predetermined communication session, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) in software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server (or device) 200 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and the payment terminal device 300 is connected to a predetermined wired / wireless network by hardware. It includes a modem (Modem) or a Network Interface Card (NIC) for access, and comprises a communication protocol and / or driver for connecting the payment terminal device 300 to the wired and wireless network in software. .

The cable communication unit may connect a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

According to an embodiment of the present invention, the cable communication terminal (or device) preferably comprises a point of sales terminal (POS) connected to the payment terminal device 300 through a predetermined cable communication. In this case, the payment terminal device 300 may receive payment information including a payment amount and / or an installment month number corresponding to the merchant selling product from the POS terminal.

According to another exemplary embodiment of the present invention, the cable communication terminal (or device) may include a barcode reader (not shown) connected to the payment terminal device 300 through a predetermined cable communication. In this case, the payment terminal device 300 may receive the product code information corresponding to the bar code information given to the product sold through the Bansa-based dealer / merchant network. In addition, the cable communication terminal (or device) may include an RFID (Radio Frequency Identification) reader connected to the payment terminal device 300 through a predetermined cable communication, in this case, the payment terminal device 300 ) Can receive the product code information corresponding to the RFID code information attached to the goods sold through the bansa-based dealer / merchant network.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, and includes the infrared communication, RF communication, Bluetooth, WLAN, Wi-Fi, UWB in hardware It comprises a predetermined short range wireless communication module for short-range wireless communication, and comprises a communication protocol and / or driver for the private short-range wireless communication in software.

The secure application module 335 (SAM) is a confidentiality and / or authentication required in the process of the payment terminal device 300 performs the electronic payment and / or electronic payment using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, may be used within the payment terminal device 300 without using an authentication server (or payment server 250) on a payment network. As a safety device for performing in a secure and reliable structure in the, a predetermined message (processed in the process of the payment terminal device 300 performs a predetermined security request function (e.g., electronic payment and / or electronic payment function) ( Information or data), add an authenticator that prevents forgery (or tampering) of the message, or is important in performing the security request function. It characterized in that it performs the function of storing the key information.

In general, the security application module 335 is preferably composed of a predetermined security application module 335 inserter and a security application module 335 chip, the security application module 335 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 335 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 300 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 340 may be configured to perform a predetermined function (eg, an electronic payment processing function using a card) of the payment terminal device 300 and / or predetermined information or data (eg, generated as a result). Payment processing result information or data) to a predetermined printing device (e.g., a receipt printing machine), and printing for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. This includes the protocol and drivers.

Referring to Figure 3, the payment terminal device 300 is a bansa-based dealer / merchant network from the key input unit 320 for the payment service for goods sold through the bansa-based dealer / merchant network according to the present invention Received through the bansa-based dealer / merchant network in conjunction with the product code information for the goods sold through, and / or in conjunction with a predetermined bar code reader (not shown) and / or a predetermined RFID reader (not shown) An information input unit 355 for receiving product code information about a product, a text generation unit 360 for generating a payment approval request message including the product code information, and a payment approval request in conjunction with the communication processing unit 330 The full text is transmitted through a payment network, and receives a payment approval text corresponding to the full payment approval request text from the payment network. By having a first authorization professional specialized processing unit (365) for outputting via a payment authorization output the history via the screen output unit 315, and / or the print output section 340 including a characterized in that formed.

According to the embodiment of the present invention, the payment terminal device 300 receives predetermined product code information from the key input unit 320 through the information input unit 355, and / or a predetermined barcode reader (not shown). ) And / or information extraction unit 370 for extracting product information corresponding to the product code information from the memory unit 350 when receiving predetermined product code information in conjunction with a predetermined RFID reader (not shown). It is preferred to further comprise a.

The information input unit 355 receives predetermined product code information from the key input unit 320, and / or works in conjunction with the predetermined barcode reader (not shown) and / or the predetermined RFID reader (not shown). And product information corresponding to the product code information from the memory unit 350 based on the input (or received) product code information. Preferably, the extracted product information may be output to the screen output unit provided in the payment terminal device 300 through the screen output unit 315 to confirm the information.

The product code information may include barcode information (eg, 1-dimensional barcode information, 2-dimensional barcode information, color code information, etc.) for a product sold through the bansa-based dealer / merchant network, and / or the bansa-based dealer / merchant network. RFID code information (e.g., Electronic Product Code (EPC), ISO code, U-Code, etc.) corresponding to an RFID tag attached to a product sold through the product, and / or printed on the product according to the standards defined by the bansa ( Or attached) at least one predetermined product code (or product number), and the present invention is not limited by the specific product code information.

When the information extraction unit 370 receives (or receives) predetermined product code information through the information input unit 355, extracting the product information corresponding to the product code information from the memory unit 350. Characterized in that, the product code information and the product information (for example, the sale price information on the products sold through the Bansa-based dealer / merchant network) is preferably provided to the professional generation unit 360.

The product information extracted by the information extraction unit 370 is characterized in that it comprises the sales amount (or payment amount) for the product, the sales amount for the product through the Bansa-based dealer / merchant network By using the payment information of the payment information included in the payment approval request for the sale of goods sold, misoperation of the payment terminal device 300 generated in the process of selling goods sold through the Bansa-based dealer / merchant network and And / or disputes caused by such misoperation can be prevented.

According to the exemplary embodiment of the present invention, the product information extracted by the information extraction unit 370 preferably further includes product name information on products sold through the Bansa-based dealer / merchant network.

When the product code information is input (or received) through the information input unit 355, the full text generation unit 360 generates a full text of the payment approval request including the product code information. The server (or device) 200 that has received the approval request text confirms the product code information, thereby confirming that the payment approval request text message is a payment approval request text corresponding to a product sold through the bansa-based dealer / merchant network. Can be.

The professional processing unit 365 transmits the full text of the payment approval request generated by the professional generating unit 360 to the server (or device) 200 on the payment network through the network communication unit of the communication processing unit 330, and Receives a payment approval message corresponding to the full payment approval request message from the server (or device) 200, and outputs the payment approval details included in the received payment approval message in conjunction with the screen output unit 315, Or in conjunction with the print output unit 340, characterized in that for outputting the payment approval history contained in the received payment approval full text.

According to an embodiment of the present invention, the payment network comprises a van, and the server (or device) 200 on the payment network is a server (or device) 200 provided in the bansa, and / or the It comprises at least one server (or device) 200 provided in the card company associated with the bansa, whereby the present invention is not limited.

4 is a diagram illustrating a payment approval request specialized structure generated by the payment terminal device 300 according to an embodiment of the present invention.

In more detail, Figure 4 is a predetermined payment terminal device including a credit authorization terminal (CAT) to sell and settle the consignment sales goods to customers visiting merchants based on a credit card payment method. As an example of an exemplary method for generating a payment approval request specialized structure generated by a person having ordinary skill in the art to which the present invention pertains, a person skilled in the art may refer to and / or modify the present invention according to the intention of the skilled person. Various implementation methods for the payment approval request specialized structure corresponding to the payment means may be inferred, but the present invention includes all the implementation methods inferred, and the payment approval request specialized structure generated by the payment terminal device 300. Is not limited to that illustrated in FIG. For example, when the customer purchases the goods sold through the bansa-based dealer / merchant network in the merchant with cash, the payment terminal device 300 may generate a predetermined cash receipt, the present invention belongs to Persons having ordinary skill in the art will be able to easily infer a preferred embodiment of the cash receipt (for example, a full text including wireless terminal number information instead of customer card information) with reference to FIG. 4.

Referring to FIG. 4, the payment approval request full-text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request text includes a transaction classification item (eg, "credit approval request", "credit approval cancellation", etc.) related to the credit card payment, and a terminal_ID item for terminal information corresponding to the payment terminal device 300; , A POS Entry Mode item and a TRACK II data item corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 300 (eg, a PAN (Primary Account of the TRACK II of the MS card). Number) and credit card information obtained from the Additional Data (AD) and / or Discretionary Data (DD) areas, or credit card information obtained from the credit card file of the IC card. Separator, 0X1C), including the installment month item, the total amount item, and the service fee item corresponding to the credit card payment information, and also the Working Key Index item and the password item. It comprises a point / merchant network, the product code item and journal entries for the serial numbers for items sold via such. Those skilled in the art to which the present invention pertains can clearly understand the details of each item included in the full payment approval request based on the contents shown in FIG. Description is omitted.

Product code information for goods sold through the Bansa-based dealer / merchant network is input through a key input device provided in the payment terminal device 300, and / or a barcode provided in the payment terminal device 300 The server (or device) 200 received through a reader (not shown) and / or an RFID reader (not shown) is included in the payment approval request message, thereby receiving the payment approval request message. The full payment approval request is checked whether the full payment approval request for payment processing for the goods sold through the Bansa-based dealer / merchant network.

In addition, the product code item included in the full payment approval request is a product sold through the merchant equipped with the payment terminal device 300 in the server (or device) 200 receiving the full payment approval request, the Provides information to identify products being sold through a Bansa-based dealer / merchant network.

In addition, the customer card information included in the TRACK II data item included in the full payment approval request message is a server (or device) 200 that receives the full payment approval request message from the server (or device) 200 is a merchant equipped with the payment terminal device 300; Of the goods sold through, provides information to identify the customer who purchased the goods sold through the Bansa-based dealer / merchant network.

In addition, when the terminal information included in the Terminal_ID item included in the payment approval request message is terminal information corresponding to the affiliated store, the Terminal_ID item provides a product corresponding to the product code information to a customer corresponding to the customer card information. Provide information to identify the merchant you are selling. If the terminal information included in the Terminal_ID item included in the payment approval request message is the consignment sales terminal information corresponding to the agency that requested the consignment sale of the merchandise sold through the bansa-based agency / merchant network to the merchant, the Terminal_ID The item provides the information corresponding to the customer corresponding to the customer card information so as to identify the agency that requested the consignment sale of the product corresponding to the product code information.

According to another exemplary embodiment of the present invention, the transaction classification items may include, but are not limited to, "commodity sale approval" or "cancel product sale", in addition to the transaction classification such as "credit approval request" or "credit approval cancellation" shown in FIG. It may include separate transaction classification information, such as, if the goods sold through the Bansa-based dealer / merchant network is consigned through the merchant, the transaction category is "consignment sales approval" or "consignment sales cancellation It may include separate transaction classification information, such as, in this case, the server (or device) 200 receiving the payment approval request full text is based on the transaction classification information included in the transaction classification item payment approval request It can be checked whether the full text is a payment approval request for selling consigned goods.

5 is a diagram illustrating a process of generating and transmitting a full payment approval request in a payment terminal device 300 according to an embodiment of the present invention.

In more detail, Figure 5 is a payment network to generate a predetermined payment approval request for the payment service for goods sold through the Bansa-based dealer / merchant network in the payment terminal device shown in Figure 3 the payment network As shown in the transmission process, those skilled in the art to which the present invention pertains, the payment within the scope of not violating the essential technical features of the present invention by referring to and / or modifying the present figure 5 Although the terminal device 300 may infer an implementation method for various implementation methods for generating and transmitting a predetermined payment approval request text for a payment service according to the present invention, the present invention includes all the inferred implementation methods. The embodiment of the present invention is not limited to only the operation method shown in FIG. For example, those skilled in the art to which the present invention pertains, after the cash payment for the goods sold through the bansa-based dealer / merchant network in the payment terminal device 300 with reference to this figure 5, cash We can infer the process of generating and sending the full receipt. For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, when the customer purchases the goods sold through the bansa-based dealer / merchant network in the merchant with reference to Figure 5, the payment terminal device In operation 300, a method of generating and transmitting a predetermined cash receipt may be inferred.

In the embodiment shown in Figure 5, in order to easily compare the process of generating a characteristic payment approval request full text of the present invention in the technical field to which the invention belongs, a predetermined product code in the payment terminal device 300 When the information is input (or received) and included in the payment approval request text, the payment approval request text is shown as the payment approval request text for the payment processing for goods sold through the bansa-based dealer / merchant network. When the payment approval request text does not include the product code information, the payment approval request text is shown as a payment approval request text for the payment processing for the goods sold by the affiliated store to generate the payment approval request text according to the present invention. The process of transmitting is illustrated and demonstrated. However, the product code information is never omitted in the payment approval request for the payment processing for the goods sold by the merchant in the payment terminal device 300.

Referring to FIG. 5, the payment terminal device 300 included in the affiliated store checks whether an electronic payment procedure is started through any one of a credit card, a check card, or a debit card including at least one electronic payment means. 500.

According to an embodiment of the present invention, when any one of a credit card, a check card or a debit card including the at least one electronic payment means is recognized through a card reader device provided in the payment terminal device 300 The electronic payment procedure can be initiated.

If the electronic payment procedure is started (505), the payment terminal device 300 reads predetermined payment means information (e.g., customer card information) from the customer card (510), and a predetermined key input device (or Check whether the product code information is input through the barcode reader (not shown) or the RFID reader (not shown) (515).

If the input of the predetermined product code information is confirmed (520), the payment terminal device 300 extracts the product information corresponding to the product code information from the memory unit 350 on the screen of the payment terminal device 300 Outputting (525), reading a predetermined payment amount from the product information, or reading a payment information corresponding to the product information (or input) by receiving a predetermined installment month number through the key input unit 320; (530). In addition, the payment terminal device 300 extracts predetermined terminal information for the payment approval request from the memory unit 350, generates a predetermined document serial number for the payment approval request (535), and In operation 540, a payment approval request text including payment means information (customer card information), payment information, terminal information, and a document serial number is generated.

According to an embodiment of the present invention, the order of reading payment means information, extracting payment information from product information corresponding to product code information, extracting terminal information, and generating a document serial number may be changed according to the intention of those skilled in the art. The present invention is not limited by this.

On the other hand, if the input of the predetermined product code information is not confirmed (520), the payment terminal device 300 inputs the payment information including the predetermined payment amount and / or installment months (545), the memory unit ( After extracting predetermined terminal information for the payment approval request from 350 and generating a predetermined document serial number for the payment approval request (550), the payment means information, merchant sales payment information, and terminal In operation 555, a payment approval request message including the information and the serial number for selling the merchant is generated.

According to the embodiment of the present invention, the order of reading the payment means information, inputting the payment information, extracting the terminal information, and generating the serial number may be changed according to the intention of those skilled in the art, and the present invention is not limited thereto.

When the payment approval request message is generated as described above (540,555), the payment terminal device 300 transmits the generated payment approval request message to the payment network through the network communication unit of the communication processor 330 (560). .

6 is a diagram illustrating an information storing process for calculating repurchase rate information according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which the payment terminal device 300 shown in FIG. 3 generates a predetermined payment approval request message and transmits it to a payment network through the same process as that of FIG. Or device) (200) receives and reads the full payment approval request message to determine whether the payment approval request for the payment processing for the goods sold through the Bansa-based dealer / merchant network, and the received payment approval request text When the product is for sale through the Bansa-based dealer / merchant network, product code information and customer card information is extracted from the payment approval request text, and the payment approval request text is the server (or device) 200 The process of linking the purchase time information received by the) to a predetermined storage medium 240 as shown in the present invention, Those skilled in the art to which the present invention pertains, the full text of the payment approval request received from the payment terminal device 300 within the scope of not violating the core technical features of the present invention by referring to and / or modifying the Figure 6 On the basis of the present invention, it is possible to infer an implementation method for various implementation methods for storing and storing product code information, customer card information, and purchase time information in a predetermined storage medium 240. It includes all, and the embodiment of the present invention is not limited to the method shown in FIG. For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, if a predetermined cash receipt is received through the process of FIG. 5, the information storage process is inferred by calculating the repurchase rate information through the cash receipt. You can do it. In FIG. 6, the server (or device) 200 provided on the payment network is referred to as " server " for convenience.

Referring to FIG. 6, the server provided on the payment network periodically checks whether at least one full payment approval request message is received from the payment terminal device 300 provided at the affiliated store through the affiliated payment network 245-1. Check (600).

If a predetermined payment approval request message generated from the payment terminal device 300 provided in the affiliated store through the process of FIG. 5 and transmitted to the payment network is received (605), the server is the card company ( Alternatively, the payment process 610 performs a payment procedure corresponding to the full payment approval request in association with the payment server 250 provided in the card company (or financial company) through the payment network 245-2.

If the payment approval message is received from the payment server 250 provided at the card company (or financial company) by performing the payment procedure (615), the server reads the payment approval message and the payment approval request is made. In operation 620, the server 250 verifies whether the approval is processed.

If the payment approval request is not confirmed by the payment server 250 (625), the server completes the payment approval message to the payment terminal device 300 through the merchant side payment network 245-1. In step 655, the payment terminal device 300 receives and reads the payment approval message and outputs the read approval message to a screen output device and / or a print output device provided in the payment terminal device 300 (660).

On the other hand, if it is confirmed in the payment server 250 that the payment approval request has been approved (625), the server extracts and reads the product code information from the product code item of the payment approval request message and receives the received payment approval request. In operation 630, whether the full text is a payment approval request specialty for payment processing for a product sold through the bansa-based dealer / merchant network, or a payment approval request professional for payment processing for a merchant selling product is checked.

If the check result is that the received payment approval request message is not a payment approval request message for payment processing for goods sold through the bansa-based dealer / merchant network (635), the server is the merchant-side payment network (245) The payment approval message is transmitted to the payment terminal device 300 through -1) (655), and the payment terminal device 300 is provided to the payment terminal device 300 to receive and read the payment approval message. The displayed screen output device and / or a print output device is output (660).

On the other hand, if the check result is that the received payment approval request full text payment approval request for payment processing for the goods sold through the Bansa-based dealer / merchant network (635), the server product code from the payment approval request text Information and customer card information and / or terminal information is extracted (640), and purchase time information including time information when the payment approval request message is received from a predetermined timer (645). The card information, the purchase time information, and / or the terminal information are processed in association with each other and stored in the predetermined storage medium 240 (650).

According to an exemplary embodiment of the present invention, when the customer card information matching the customer card information is stored in the storage medium 240 in association with predetermined product code information, purchase time information, and / or terminal information, The server may further store and link the product code information, purchase time information, and / or terminal information received from the full payment approval request message to the stored customer card information.

According to another exemplary embodiment of the present invention, when product code information matching the product code information is stored in the storage medium 240 in association with predetermined customer card information, purchase time information, and / or terminal information, The server may further store and link the customer card information, the purchase time information, and / or the terminal information received from the full payment approval request message to the stored product code information.

According to another embodiment of the present invention, if the payment approval request is a cash receipt, the server may extract wireless terminal number information instead of the customer card information from the cash receipt, and at this time, the storage medium 240 ), The wireless terminal number information, the product code information, the purchase time information, and / or the terminal information may be stored in association with each other, and the present invention is not limited thereto.

Thereafter, the server transmits the payment approval text to the payment terminal device 300 through the merchant side payment network 245-1 (655), and the payment terminal device 300 provides the payment approval text. Received and read and output to the screen output device and / or print output device provided in the payment terminal device 300 (660).

7 is a diagram illustrating a process of calculating repurchase rate information through information stored in a storage medium 240 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 7, when the product code information, the customer card information, the purchase time information, and / or the terminal information are stored in a predetermined storage medium 240 through the process shown in FIG. 6, the storage medium is stored. Extracting and reading at least one product code information, purchase time information and / or terminal information stored in association with the customer card information corresponding to the specific customer from 240, the product commodity corresponding to the product code information The process of calculating the repurchase rate information including the number of times of repurchase and / or repurchase time and / or repurchase cycle is shown. Those skilled in the art to which the present invention pertains may refer to FIG. And / or modifying the information through the information stored in the storage medium 240 without departing from the essential technical features of the present invention. Although it may be possible to infer an implementation method for various implementation methods for calculating fame information, the present invention includes all the inferred implementation methods, and embodiments of the present invention are not limited to the method illustrated in FIG. . In FIG. 7, a server (or device) 200 provided on the payment network is referred to as a "server" for convenience in order to efficiently describe the technical features of the present invention, and the server corresponds to a customer to calculate repurchase rate information. And a predetermined database (not shown) storing the customer information (for example, customer personal information and customer mobile phone information) and the customer card information in association with each other. The following description will be provided as having a database (not shown) for storing event / winning information to be provided to the user. However, the database is not necessary for calculating the repurchase rate according to the present invention.

Referring to FIG. 7, the server provided on the payment network may store product code information and purchase time information associated with specific customer card information among information stored in the storage medium 240 through the process of FIG. Alternatively, the terminal information is extracted 700, and information including purchase time information included in a predetermined repurchase rate calculation target period (eg, a period defined by the server to calculate repurchase rate information) is selected from the extracted information. (705).

According to an embodiment of the present invention, customer card information for extracting the product code information, purchase time information and / or terminal information from the storage medium 240 is preferably extracted from a predetermined database (not shown). In the process of extracting the customer card information, the customer mobile phone information is also extracted together.

When the product code information, purchase time information, and / or terminal information associated with the customer card information are extracted from the storage medium 240 and information corresponding to a predetermined repurchase rate calculation target period is selected, the server selects the selected information. Information corresponding to the same product code is counted to calculate the number of times the customer repurchases the product corresponding to the product code (710), and / or purchase time information associated with the same product code among the selected information. By reading (715) information of the day and / or time zone (e.g., morning, afternoon, evening) in which the customer primarily purchases a product corresponding to the product code (715), and / or associated with the same product code of the selected information The time intervals at which the product corresponding to the product code is purchased based on the purchased purchase time information is added, and the summed time intervals are repurchased. In operation 720, the customer purchases a repurchase cycle in which the customer repeatedly purchases a product corresponding to the product code.

Thereafter, the server determines whether to provide an event / a giveaway to the customer based on the repurchase rate information including the repurchase frequency and / or repurchase time and / or repurchase cycle (725). Preferably, the event / winning offer determination process is extracted from a predetermined database corresponding to the repurchase rate information.

If it is determined that the event / giveaway corresponding to the repurchase rate information to the customer (703), the server provides a predetermined event / giveaway to the customer mobile phone (735). The above process is preferably repeated 740 until the calculation of the repurchase rate information of another customer of the corresponding customer and / or the calculation of the repurchase rate information of at least one or more items is completed.

8A and 8B illustrate a process of calculating repurchase rate information in a payment process according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B show at least one product code information, customer card information, purchase time information, and / or terminal information associated with a predetermined storage medium 240 through the process shown in FIG. After storing, when the payment terminal device 300 shown in FIG. 3 generates a predetermined payment approval request telegram through the same process as that of FIG. 5 and transmits it to the payment network, the server (or device) on the payment network ( The process of calculating the repurchase rate information on the basis of the information previously stored in the storage medium 240 during the payment processing through the full payment approval request in (200), having a general knowledge in the art Growing, from the payment terminal device 300 to the extent that it does not violate the essential technical features of the present invention by referring to and / or modifying the present drawings 8a and 8b. Through the received payment approval request, the implementation method for various implementation methods for calculating the repurchase rate information based on the information previously stored in the storage medium 240 may be inferred by the present invention. It includes all embodiments, and the embodiment of the present invention is not limited to the method shown in FIGS. 8A and 8B. 8A and 8B, the server (or device) 200 provided on the payment network is referred to as " server " for convenience.

Referring to FIG. 8A, the server provided on the payment network periodically checks whether at least one full payment approval request message is received from the payment terminal device 300 provided at the affiliated store through the affiliated payment network 245-1. Check (800a).

If a predetermined payment approval request message generated from the payment terminal device 300 provided in the affiliated store and transmitted to the payment network is received through the process of FIG. 5 (805a), the server may allow the server to approve the payment. Extracting and reading the product code information in the product code item of the requesting professional, the received payment approval request text is a payment approval request text for payment processing for products sold through the bansa-based dealer / merchant network, or merchant sales Check whether the payment approval request for payment processing for the product is full (810a).

If the check result is that the received payment approval request is not a payment approval request for payment processing for goods sold through the Bansa-based dealer / merchant network (815a), the server is the card company (or The financial company) performs a payment procedure corresponding to the full payment approval request in association with the payment server 250 provided in the card company (or financial company) through the payment network 245-2 (820a).

If the payment approval message is received from the payment server 250 provided in the card company (or the financial company) by performing the payment procedure (825a), the server performs the payment through the merchant side payment network 245-1. The payment approval message is transmitted to the terminal device 300 (830a), and the payment terminal device 300 receives and reads the payment approval message to display the screen output device and / or provided in the payment terminal device 300. Output to a print output device (835a).

On the other hand, if the check result is that the received payment approval request message is a payment approval request message for payment processing for goods sold through the Bansa-based dealer / merchant network (815a), the server product code from the payment approval request message Extracts information, customer card information, and / or terminal information (840a), and extracts purchase time information including time information when the payment approval request message is received from a predetermined timer (845a). From the extracted information, information including purchase time information included in a predetermined repurchase rate calculation target period (eg, a period defined by the server to calculate repurchase rate information) is selected (850a).

When the product code information, purchase time information, and / or terminal information associated with the customer card information are extracted from the storage medium 240 and information corresponding to a predetermined repurchase rate calculation target period is selected, the server selects the selected information. Information corresponding to the same product code is counted to calculate the number of times the customer repurchases the product corresponding to the product code (855a), and / or purchase time information associated with the same product code among the selected information. By reading the day and / or time zone (e.g., morning, afternoon, evening) information for which the customer primarily purchases a product corresponding to the product code (860a), and / or associated with the same product code of the selected information Add the time intervals for purchasing the product corresponding to the product code based on the purchased time information, and repurchase the summed time intervals By dividing by the number of times, a repurchase cycle in which the customer repeatedly purchases a product corresponding to the product code is calculated (865a).

Referring to FIG. 8B, when the number of repurchases and / or repurchase times and / or repurchase cycles is calculated as described above, the server indicates that the server repurchases information including the repurchase counts and / or repurchase times and / or repurchase cycles. Determine whether to provide a discount service to the customer based on (800b),

If the determination result is not determined to provide a discount service corresponding to the repurchase rate information to the customer (805b), the server via the card company (or financial company) side payment network 245-2, the card company (or In connection with the payment server 250 provided at the financial institution), a payment procedure corresponding to the full payment approval request message is performed (830b).

If the payment approval message is received from the payment server 250 provided in the card company (or financial company) by performing the payment procedure (835b), the server reads the payment approval message and the payment approval request is made. In operation 840b, the server 250 verifies whether the approval is processed.

If it is not confirmed that the payment approval request is approved by the payment server 250 (845b), the server completes the payment approval message to the payment terminal device 300 through the merchant side payment network 245-1. In operation 855b, the payment terminal device 300 receives and reads the payment approval message and outputs it to the screen output device and / or the print output device provided in the payment terminal device 300 (860b).

On the other hand, if it is determined that the payment approval request is approved by the payment server 250 (845b), the server associates the product code information, the customer card information, the purchase time information, and / or the terminal information with a predetermined storage medium. In operation 240, the payment approval message is transmitted to the payment terminal device 300 through the affiliated store payment network 245-1, and the payment terminal device 300 transmits the full text of the payment approval to the payment terminal device 300. The payment approval message is received and read and output to the screen output device and / or the print output device included in the payment terminal device 300 (860b).

On the other hand, if it is determined that the discount service corresponding to the repurchase rate information is provided to the customer as a result of the determination (805b), the server may provide predetermined discount information (for example, a discount rate or a discount amount) corresponding to the repurchase rate information. It is calculated (810b).

If the valid discount information (eg, an applicable discount rate or a discount amount) is not calculated in the discount information calculation process (815b), the server stores the card company through the card company (or financial company) payment network 245-2. In operation 830b, the payment procedure corresponding to the full text of the payment approval request is performed in association with the payment server 250 provided in the financial company (or financial institution).

If the payment approval message is received from the payment server 250 provided in the card company (or financial company) by performing the payment procedure (835b), the server reads the payment approval message and the payment approval request is made. In operation 840b, the server 250 verifies whether the approval is processed.

If it is not confirmed that the payment approval request is approved by the payment server 250 (845b), the server completes the payment approval message to the payment terminal device 300 through the merchant side payment network 245-1. In operation 855b, the payment terminal device 300 receives and reads the payment approval message and outputs it to the screen output device and / or the print output device provided in the payment terminal device 300 (860b).

On the other hand, if it is determined that the payment approval request is approved by the payment server 250 (845b), the server associates the product code information, the customer card information, the purchase time information, and / or the terminal information with a predetermined storage medium. In operation 240, the payment approval message is transmitted to the payment terminal device 300 through the affiliated store payment network 245-1, and the payment terminal device 300 transmits the full text of the payment approval to the payment terminal device 300. The payment approval message is received and read and output to the screen output device and / or the print output device included in the payment terminal device 300 (860b).

On the other hand, if the valid discount information (eg, applicable discount rate or discount amount) is calculated in the discount information calculation process (815b), the server applies the calculated discount information to the payment amount of the payment approval request text message to make the payment. A payment server provided at the card company (or financial company) through a payment network 245-2 on the card company (or financial company) side through a payment approval request message including the discounted payment amount (825); In operation 250, the payment process is performed (830b).

If the payment approval message is received from the payment server 250 provided in the card company (or financial company) by performing the payment procedure (835b), the server reads the payment approval message and the payment approval request is made. In operation 840b, the server 250 verifies whether the approval is processed.

If it is not confirmed that the payment approval request is approved by the payment server 250 (845b), the server completes the payment approval message to the payment terminal device 300 through the merchant side payment network 245-1. In operation 855b, the payment terminal device 300 receives and reads the payment approval message and outputs it to the screen output device and / or the print output device provided in the payment terminal device 300 (860b).

On the other hand, if it is determined that the payment approval request is approved by the payment server 250 (845b), the server associates the product code information, the customer card information, the purchase time information, and / or the terminal information with a predetermined storage medium. In operation 240, the payment approval message is transmitted to the payment terminal device 300 through the affiliated store payment network 245-1, and the payment terminal device 300 transmits the full text of the payment approval to the payment terminal device 300. The payment approval message is received and read and output to the screen output device and / or the print output device included in the payment terminal device 300 (860b).

According to the present invention, when a product delivered by a predetermined product manufacturer sells and processes payment through the bansa-based dealer / merchant network, product information (or a product code sold by the bansa-based dealer / merchant network) Information), customer information (or customer card information), purchase time information and / or terminal information that has purchased the product, thereby automatically purchasing the customer who purchased the product sold through the Bansa-based dealer / merchant network. It is advantageous to maximize customer loyalty by calculating propensity information (or repurchase rate information).

Claims (2)

In the customer purchase tendency information generation method for generating customer purchase tendency information-purchase tendency information including product repurchase rate information and purchase period information-for a consignment sales product at a merchant, A specialized receiving step of receiving a payment approval request message or a cash receipt processing message from a merchant payment terminal that sells consigned goods on the server; The server reads the received message and checks whether the product contains a product code of a product entrusted to the merchant at the bansa to identify that the product is a product sales specialist entrusted by the company at the merchant, and confirms the product code. A professional confirmation step of confirming whether the received specialty is a payment approval request specialty for a product sold by the affiliated store, a bansa specialized payment approval request for a product sold to the affiliated store; As a result of the check, when the full text includes a product code of a product entrusted to the merchant at Bansa, the server links the product code included in the full text with customer card information (or wireless terminal number information) and purchase date information. An information storage step of processing and storing the data in a predetermined storage medium; And If the specialized reception step or information storage step continues for a certain period of time, the server compares the information stored in the storage medium with each other, the product consigned to the merchant at the customer-specific bansa card information (or wireless terminal number information) match Check the number of repurchases, and generate a customer repurchase rate for the merchandise consigned to the merchant at the bansa based on the confirmation result; or Comparing the information stored in the storage medium, check the product purchase date information consigned to the merchant at the customer-specific bansa that the card information (or wireless terminal number information) match, and based on the confirmation result, the merchant at Bansa And an information generation step of generating customer repurchase period information on the goods sold in consignment. The method of claim 1, The information storage step, The product code of the goods consigned to the affiliated stores in the bansa included in the full text, and the customer card information (or wireless terminal number information) and purchase date information for purchasing the consignment goods sold by the merchant (or merchant terminal unique number) Characterized in that for storing, The information generating step, The customer purchase tendency information generation method, characterized in that for generating the customer purchase tendency information for each affiliate.

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