KR20040045622A - Method for Generating Mixed Admission Message with Settlement and Discount Information And Mehtod and System for Processing Admission Discount Coupon(Affiliated Reserve Point) by it - Google Patents

Abstract

The present invention relates to a method for generating a mixed approval full text of payment information and discount information, and a method and a system for processing a discount coupon (or merchant earning point) using the same. The client credit card number information and the discount coupon (or merchant earning point) information are provided. The first step of establishing an authentication server for performing discount coupon (or merchant earning point) processing by matching with the payment processing relay server on the communication network, and terminal information from the payment terminal obtained the credit card number information of the client; A second step of providing merchant information) and client credit card number information to the authentication server, and a discount that the client can use at the merchant according to the terminal information (merchant information) and client credit card number information in the authentication server. Extract coupon (or merchant point) information to the payment terminal A fourth step of providing a mixed authorization request message including a third step of providing the client credit card authorization request and a discount coupon (or merchant earning point) authorization request information from the payment terminal and providing it to the payment processing relay server; A fifth step of confirming the discount coupon (or merchant earning point) approval request information included in the mixed approval request message from the authentication server associated with the processing relay server, and performing discount coupon (or merchant earning point) approval process; And a sixth step of transmitting, to the payment terminal, a mixed authorization response message including the credit card transaction approval response and the discount coupon approval response and the newly given discount coupon (or merchant reserve point) information.

According to the present invention, a credit card transaction approval and discount coupon (or merchant earning point) approval request and response to the full text of the composition of the combination, by using a discount coupon (or merchant earning point), etc. There is no additional burden, and the same transaction authorization number is used as the credit card transaction, so batch processing is possible when a cancel transaction occurs. In addition, since it can be used directly without replacing credit card payment terminals, such as credit cards and CAT terminals, which are currently widely used, system construction and terminal replacement costs can be reduced. In addition, by using the credit card number information, it is possible to integrate and manage a variety of loyalty information, such as discount coupons, merchant reserve points, electronic money.

Description

Method for Generating Mixed Admission Message with Settlement and Discount Information And Mehtod and System for Processing Admission Discount Coupon (Affiliated Reserve Point) by it}

The present invention relates to a method for generating a mixed approval full text of payment information and discount information, and a method and a system for processing a discount coupon (or merchant earning point) approval using the same. In order to purchase a product or use a service, a client's credit card number is used. By using the client, the discount coupon (or merchant earning point) that the client possesses and can use at the merchant is extracted, and the approval for use of the extracted discount coupon (or merchant earning point) is mixed with the credit card transaction authorization. It is to be processed in a specialized form.

Discount coupon is one of various marketing means for customer acquisition and promotion. Initially, discount coupon is a paper that includes information such as product name, discount amount or ratio, expiration date, etc. for the product. When providing to the customer, and to purchase the product, by referring to the discount coupon information is to discount the product amount according to the discount amount or ratio.

Recently, with the development of the Internet, the Internet infrastructure such as high-speed Internet communication network is widely spread, the e-commerce market is activated, and many sites that provide various discount coupons have been created online.

However, the discount coupons are mainly focused on attracting and promoting customers, and are generally distributed randomly to an unspecified number without accurate distribution of specific targets, and discount coupons for products frequently used or services frequently used by customers. It was not easy to obtain.

In addition, even in the use of discount coupons, when purchasing a product applied by printing the discount coupons, there was also the inconvenience of presenting the discount coupons one by one, there have been a lot of problems that must be settled and stored a number of discount coupons.

Therefore, there is a need for a more convenient way to apply discount coupons when purchasing goods or using services.

An object of the present invention for resolving the above problems is to use the client's product purchase or service, by using the client's credit card number and payment terminal (merchant information) information, the client is held in the merchant Extract the available discount coupon (or merchant earning point) from the authentication server, and use the extracted discount coupon (or merchant earning point) to process the billing information so that it can be combined with credit card transaction approval and processed in one specialized form. The present invention provides a method for generating a mixed approval specialty of discount information and a method and a system for processing a discount coupon (or merchant reserve point) using the same.

1 is a main configuration of the present invention in which a payment terminal, a payment processing relay server, an authentication server, and a credit card provider are configured through a communication network.

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

3 is a simple flowchart of a process in which the present invention is implemented.

4 is a simple flowchart of a process in which the present invention is implemented.

5 is an exemplary view of full text of an authorization request for credit card transaction and discount coupon use according to the present invention.

Figure 6 is an exemplary view of the full-text data for the authorization response for credit card transactions and discount coupon use in accordance with the present invention.

7 is a simple illustrative view of the present invention.

8 is a simple illustrative view of the present invention.

9 is a simple illustrative view of the present invention.

10 is a simple illustrative view of the present invention.

11 is a simple illustrative view of the present invention.

<Description of main parts of drawing>

100: payment terminal 105: authentication server

110: discount coupon (or merchant reserve point) information database 115: payment processing relay server

120: credit card provider.

The present invention relates to a method for generating a mixed approval full text of payment information and discount information, and a method and a system for processing a discount coupon (or merchant earning point) using the same. The client credit card number information and the discount coupon (or merchant earning point) information are provided. The first step of establishing an authentication server that performs a discount coupon (or merchant earning point) processing function by matching with the payment processing relay server on the communication network, and the terminal information (from the payment terminal obtained the credit card number information of the client); A second step of providing the merchant server) and client credit card number information to the authentication server, and according to the terminal information (merchant information) and client credit card number information in the authentication server, the client can use it at the merchant. Payment terminal by extracting the discount coupon (or merchant reserve point) information A fourth step of providing a mixed approval request message including a client credit card approval request and a discount coupon (or merchant earning point) approval request information at a payment terminal, and providing it to a payment processing relay server; A fifth step of confirming the discount coupon (or merchant earning point) approval request information included in the mixed approval request message in the authentication server linked to the payment processing relay server, and performing discount coupon (or merchant earning point) approval processing; And a sixth step of transmitting, to the payment terminal, a mixed authorization response message including a credit card transaction approval response and a discount coupon (or merchant earning point) approval response and information on the discount coupon (or merchant earning point) newly granted to the client. It is made to include.

According to the present invention, the mixed approval message processed between the payment terminal and the authentication server is a mixed approval including an authorization request for the client's credit card transaction and the use of a discount coupon (or affiliated point) associated with the credit card number information. It means the full text of the request and the mixed approval response in accordance with the approval request.

In addition, according to the present invention, the mixed approval preamble is used in conjunction with the existing credit card transaction approval preamble, including the use approval preamble such as discount coupons (or merchant reserve points) associated with the transaction, discount coupon (or merchant reserves) Points) to use discount coupons (or merchant earning points) using credit card number information more efficiently without additional charges.

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

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

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

1 is a main configuration of the present invention in which a payment terminal 100, a payment processing relay server 115, an authentication server 105, and a credit card provider 120 are configured through a communication network.

The figure shows a payment terminal 100 for acquiring credit card number information from a client through various payment means at a payment processing time according to a product purchase or service use, and a payment processing relay server 115 on a communication network. It stores the information about the discount coupon (or merchant point earned point) held by the client and performs a discount coupon (or merchant point earned point) approval processing function at the request of the client (or payment terminal 100). Located on the authentication server 105 and a Value Added Network (VAN) to perform a payment processing relay for the purchase of a product or use of a service, and a discount coupon (or Merchant points through the payment processing relay server 115 and payment terminal 100 to help the approval processing of the client for payment It is a main configuration of the present invention that the credit card operators 120 to be approved for payment means including a credit card number to be used are connected to each other through a communication network.

This figure shows, according to the present invention, the credit card number information and the payment terminal 100 information (merchant information) of the client obtained through the payment terminal 100 through the respective components shown, the authentication server 105 By providing, the client extracts a discount coupon (or merchant earning point) that can be used in the merchant to provide to the merchant payment terminal 100, credit card transactions and the discount coupon (or merchant earning point) according to the payment transaction A mixed approval statement for the use of

In addition, according to the present invention, through the mixed approval professional processing, processing for the use of credit card transactions and discount coupons (or merchant earning points) is collectively performed, and the approval (request and response) and transaction cancellation Reduce the burden of using the network.

The communication network according to the present invention includes all types of public networks, including all types of private networks including public value added networks (VANs), financial computer networks, public switched telephone networks (PSTNs), and wired and wireless Internets. Means the total network to include.

The payment terminal 100 is located in an affiliated store and other large distribution stores where a product purchase or service use of a client occurs, and according to the present invention, by using a credit card number, a credit card system and a CAT used for an existing credit card transaction It is possible to use without replacing the payment terminal 100, such as a terminal, and for the proper implementation of the present invention, it is provided with a processor that can process the approval request and response of the discount coupon (or merchant establishment points).

According to the present invention, the payment terminal 100 obtains the credit card information from the client payment means, and to check whether the client has a discount coupon (or merchant earning points) that can be used in the affiliate store, the authentication server 105 By providing the credit card number information and payment terminal 100 information (Merchant), the client requests a list of discount coupons (or Merchants Earn points) that can be used in the merchant.

In addition, the payment terminal 100 obtains a discount coupon (or affiliated store earned point) information that can be used by the client from the authentication server 105 to provide to the client, the discount coupon (or / to be used by the client) And merchant earning points). The payment terminal 100 generates a mixed authorization request text including the authorization request details of the client's credit card transaction and the use of the selected discount coupon (or / or merchant reserve point), and transmits it to the payment processing relay server 115. Function to transmit.

In addition, the payment terminal 100 is a mixed approval including the details of the approval response for the credit card transaction and the use of the discount coupon (or merchant earning point) and the discount coupon (or merchant earning point) newly granted to the client. Receive a full response message and include the details in a transaction record such as a receipt provided to the client.

The authentication server 105 is connected to the payment processing relay server 115 on the communication network, and has a discount coupon (or affiliated store point) information database 110. The discount coupon (or merchant earning point) information database 110 stores the credit card number information of the client and information about the discount coupon (or merchant earning point) held by the client. In addition, since the client credit card number information and the client-owned discount coupon (or merchant point earned point) information are matched and stored in the discount coupon (or merchant point earned point) information database 110, the credit card number according to the present invention is stored. Enables the use of discount coupons (or merchant points earned) used.

According to the present invention, the authentication server 105 receives the credit card number information of the client and the payment terminal 100 (merchant) information from the payment terminal 100, the received credit card number information and payment terminal 100 ( Merchant store information is compared with the client credit card number information in the discount coupon (or merchant store points) information database 110, the discount coupon (or merchant store reserve) that the client can use through the payment terminal 100 of the merchant Point) to extract the information, and transmits to the payment terminal (100).

In addition, the authentication server 105 is for the use of credit card transactions and discount coupons (or merchant reserve points) according to the purchase of goods or use of services of the client transmitted via the payment processing relay server 115 from the payment terminal 100. Receive a mixed approval request text including the approval request details, process the discount coupon (or merchant earning point) approval request of the client included in the mixed approval request message, and perform a new discount coupon (for the client). Or by granting a merchant earning point, the payment terminal (100) to approve the discount coupon (or merchant earning point) approval response.

In addition, the authentication server 105, when canceling the approval of the credit transaction using a discount coupon (or merchant earning point) for the purchase of goods or use of services, the use of credit card transactions and discount coupons (or merchant earning points). Receive the mixed cancellation request full text including the authorization cancellation request for the payment through the payment processing relay server 115 from the payment terminal 100, the discount coupon included in the mixed cancellation request message (or merchant credit points) This function is to handle cancellation of approval of use.

The authentication server 105 is associated with the payment processing relay server 115 can perform its function, it is specified that it can be located in the communication network to perform the function independently.

In addition, the discount coupon (or merchant earning point) information database 110 may store a variety of royalty information, such as the merchant earning point information of the client, together with the discount coupon information described above, the merchant earning point information It is also matched with the client's credit card number information, through which the discount coupons, affiliated credit points, etc. can be interoperable.

For example, in the above case, the client receives the client credit card number information from the payment terminal 100 and transmits to the authentication server 105 in the payment for the purchase of the product or the use of the service. Various loyalty information including merchants and the like is confirmed, and the confirmed royalty information is transmitted to the payment terminal 100 to provide the client with the use of royalty information in various ways.

Therefore, it is possible to separately use the discount coupon and merchant points, and can use both discount coupons and merchant points. In addition, after the use of the discount coupon can be obtained by the merchant points earned according to the purchase or use of the service, and conversely, after the use of the merchant points earned, may be further provided with a discount coupon.

The payment processing relay server 115 functions to perform a relay business of payment approval by various payment means on a communication network, and according to the present invention, the payment processing relay server 115 borrows a communication line from a line-owning company. Value added network (VAN) providers that provide a number of additional services by configuring a network and operating a value added network with added value through the configured independent communication network will be appropriate.

In addition, according to the present invention, the payment processing relay server 115 in conjunction with the authentication server 105, through the authentication server 105 to effectively proceed with the approval process of the discount coupon (or affiliated store points). Play a role in helping.

The credit card provider 120 performs a role of issuing and managing a credit card provided as a payment method according to a client's purchase of a product or using a service, and performs a payment approval for the credit card transaction.

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

The figure shows that the client possesses the goods to be purchased or services to be used by the client from the payment terminal 100 at the time when the client tries to make a payment using a payment means including a credit card number. Mixing of the discount coupon (or merchant credit point) through the authentication server 105 associated with the payment processing relay server 115, the approval of the use of the discount coupon (or merchant credit point) and the credit card transaction authorization This is a flow chart that briefly illustrates the process of creating and sending an entire request for approval.

The authentication server 105 including the credit card number of the client and the discount coupon (or merchant reserve point) information held by the client is established in connection with the payment processing relay server 115 on the communication network (200). When attempting to make a payment for a product purchase or use of a service, the payment terminal 100 executing the payment process requests a payment request for purchase of a product or use of a service from the client. Information) through a payment means including information (205).

The payment means including the credit card information is basically a credit card in the form of MS (Magnetic Stripe), and includes a smart card (IC card) including credit card number information and a wireless terminal including credit card number information. Various embodiments using the payment means will be described in more detail below.

If the payment terminal 100 can obtain the credit card number information through the payment means presented by the client (210), the payment terminal 100 grasps the credit card number information of the client, and the payment terminal (100) By sending to the authentication server 105 along with the information or merchant information, the client requests discount coupon (or merchant earning point) information that can be applied to the purchase of goods or service use in the merchant (215) .

The authentication server 105 receives the client's credit card number information and payment terminal 100 information (merchant information) from the payment terminal 100 (220), and receives the received client credit card number information from the authentication server. Matching the credit card number information of the client stored in the discount coupon (or affiliated point earned point) information database 110 in 105, the discount coupon (or merchant earned point) information held by the client is checked. Through the payment terminal 100 information (merchant information) received, it is checked whether it is a discount coupon (or merchant credit point) that can be used in the payment terminal 100 of the merchant (225).

If there is no discount coupon (or merchant earning point) that the client can use at the merchant through the verification process (230), there is no discount coupon (or merchant earning point) that can be used. In step 235, the payment processing for the purchase of the product or the use of the service is performed according to a general credit card approval process (240).

However, if there is a discount coupon (or merchant earning point) that the client can use to purchase a product or use the service at the merchant (245), the authentication server 105 is a discount coupon (or merchant) that the client can use at the merchant. Earning points) information is extracted and provided to the payment terminal 100 (250).

The payment terminal 100 receives the discount coupon (or merchant earning point) information that the client can use in the affiliate store from the authentication server 105, and the corresponding discount coupon according to the provided discount coupon (or merchant earning point) information. (Or affiliate earning point) to determine whether to use (255).

For example, the determination of the use of the discount coupon (or the merchant reserve point) may be provided to the client through an output device such as a monitor of the payment terminal 100 so that the client may directly select the payment terminal 100. The operating staff or the like may select the output discount coupon (or affiliated store reserve point) information according to a client's request.

If a discount coupon (or merchant earning point) is to be used (260), the payment terminal 100 is a mixture containing the client's credit card information and the discount coupon (or merchant earning point) information to be used (selected). The full text of the approval request is generated (265), and the mixed approval request text generated by the payment processing relay server 115 is transmitted to request the credit card transaction approval and the discount coupon (or merchant credit point) use authorization (270). ).

However, if a discount coupon (or merchant earning point) is not used (275), it is also handled according to the normal credit card transaction approval process (240).

3 is a simple flowchart of a process in which the present invention is implemented.

This figure shows a credit card transaction for a client's purchase of a product or use of a service through a mixed authorization request message that includes the client's credit card transaction approval and discount coupon (or merchant earning point) approval request details through the process of FIG. This is a simple flow chart of the process of executing the approval and discount coupon use approval request and receiving the approval response.

When the mixed authorization request message including the authorization details for the client credit card transaction and the discount coupon (or the merchant's reserve point) is transmitted through the payment terminal 100 (300), the authentication server 105 is a payment processing relay server ( Receive a discount coupon (or merchant point earned) approval request included in the mixed approval request full text through 115, and the credit card provider 120 passes the payment processing relay server 115 to the mixed approval request full text. A typical credit card transaction authorization request is received (305).

The authentication server 105 performs the processing for the discount coupon approval request and updates the discount coupon (or merchant earning point) information database 110 for the discount coupon (or merchant earning point) approval process (310). ). In this case, a new discount coupon (or affiliated store reserve point) is given to the client.

The payment processing relay server 115 confirms the approval of the credit card transaction and the discount coupon (or merchant credit point) from the authentication server 105 and the credit card provider 120 (315). If not (320), the payment terminal 100 will receive a complete disapproval response message (325).

If it is approved (330), the payment terminal 100 the credit card transaction approval history and the discount coupon (or merchant earning point) authorization details for use and the discount coupon (or merchant earning point) information newly granted to the client Receive a mixed approval response message containing a full (335), the payment terminal 100 is a discount coupon (or merchant earning points) approval details and newly granted discount on the credit card transaction receipt for the purchase or use of services of the client The coupon (or merchant establishment point) information is included and provided to the client (340).

The transaction receipt may further include discount coupon (or merchant earning point) information held by the client along with a discount coupon (or merchant earning point) approval details.

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

FIG. 10 is a simple flowchart illustrating a case in which a transaction cancellation occurs when a client receives a response to the credit card transaction and the use of the discount coupon (or the merchant reserve point) in purchasing a product or using a service.

After completing the approval response for the credit card transaction and the use of the corresponding discount coupon (or merchant earning point), the payment terminal 100 confirms the discount coupon (or merchant earning point) approval on the credit transaction receipt and the discount coupon newly granted to the client. In providing the client with information (or merchant credit points) (400), if a transaction cancellation for the credit card transaction occurs (405), the payment terminal 100 approves the client credit card transaction and discount coupon (Or Merchant Earning Point) Create a mixed cancellation request message for the cancellation of the authorization to request the transaction cancellation (410).

The authentication server 105 receives the transaction cancellation request from the payment terminal 100 via the payment processing relay server 115 (415), and uses the discount coupon (or merchant reserve point) included in the transaction details. To cancel the approval, and to update the discount coupon (or merchant earning point) information database 110 according to the discount coupon (or merchant earning point) approval cancellation processing (420).

When the discount coupon (or merchant earning point) authorization cancellation and credit card transaction authorization processing is processed, the payment terminal 100 receives the full text of canceling the credit transaction and canceling the use of the discount coupon (or merchant earning point). (425).

5 is an exemplary view of full text of an authorization request for credit card transaction and discount coupon use according to the present invention.

This figure relates to the authorization request data for the credit card transaction authorization and the use of the discount coupon for the purchase of goods or services of the client in accordance with the present invention, showing the items and contents of the mixed authorization request full text Doing.

Items 1 to 13 shown in the figure is for the item constituting the full text of the authorization request in accordance with the general credit card transaction, items 14 and below are for the coupon approval full text contained in the mixed approval request.

According to the present invention, when the client provides credit card information to the payment terminal 100 of the merchant, Terminal_ID and Track II Data (including credit card number information) are transmitted to the authentication server 105, and the authentication server 105 ) Extracts the discount coupon possessed by the client using Track II Data including credit card number information, checks the discount coupon available at the affiliate store through the Terminal_ID, and sends it to the payment terminal 100. Give the client an appropriate discount coupon.

Therefore, according to the present invention, the entire credit card transaction approval request message (item 1 to item 13) is included in the full coupon approval request message (item 14 ~) to constitute a mixed approval request message, and an item for the composition of the mixed approval request message They are as follows. Transaction Classification, Terminal_ID, POS Entry Mode, Track II Data, Installment Month, Total Amount, Service Charge, Working Key Index, Password, Product Code, Document Serial Number, CRM Data, Discount Coupon Number, Discount Coupon Number, Discount Coupon Amount, Discount coupons are valid.

Among the above items, the discount coupon number, the discount coupon amount, and the discount coupon expiration date can be repeatedly displayed by the number of discount coupons.

As shown in the figure, by using the credit card number of the client, credit card transaction and coupon approval to configure and process as a single mixed message, additional addition to the existing network (VAN network, etc.) use burden The burden is eliminated, it is possible to implement the present invention without replacing the existing credit card system and CAT terminal.

6 is an exemplary view of full text of an approval response for credit card transaction and discount coupon use according to the present invention.

This figure relates to the authorization response data for the credit card transaction authorization and the use of the discount coupon for the purchase of goods or services of the client according to the present invention, showing the items and contents for the mixed authorization response preamble Doing.

According to the present invention, the items for the composition of the mixed approval response message are basically as follows. Transaction Classification, Terminal_ID, Status, Message1, Message2, Message3, ..., Authorization Number, Buyer ID, Card Company (Bank) Type Name, Issuer ID, Document Serial Number, Merchant Number, Document Purchaser, Notice, HELP DESK PHONE No , PIN DATA, Control_Flag, number of download discount coupons, discount coupon information, and the like.

Among the above items, the discount coupon information may be repeatedly displayed as many as the number of download discount coupons.

In the embodiments described below, the application to the present invention is determined to be appropriate, and the payment terminal (or affiliated point) in the approval process of the discount coupon (or merchant credit points) through the client credit card number according to the present invention, 100) provides an example of various payment means for providing the credit card number information of the client, to enhance the understanding of the present invention, and further to provide the usefulness of the present invention.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

Figure 7 is a simplified illustration of the present invention.

In the drawing, when a client uses a credit card in the form of a magnetic stripe (MS) as a payment means, according to the present invention, the payment terminal 100 checks the credit card number information recorded on the MS card 700, It is a simple illustrative embodiment in which the invention is implemented.

According to the present invention, the figure is constructed in connection with the payment processing relay server 115 on the communication network authentication server 105 containing the client's credit card number and discount coupons (such as merchant reserve points) that is held In this case, the client attempts to make a payment for a product purchase or a service use through a credit card in the form of a magnetic stripe (MS).

The payment terminal 100 obtains the credit card information (credit card number and credit card payment information) from the credit card of the MS (Magnetic Stripe) type of the client, and the client credit card number information and payment terminal with the authentication server 105 (100) Provide information (merchant information).

The authentication server 105 may be used by the payment terminal 100 affiliated with the client, which is stored in the discount coupon (or affiliated point) information database 110 through the client credit card number information and the terminal information (the merchant information). Check the information, such as discount coupons (or merchant points earned) that is, and provide the appropriate discount coupon (or merchant points earned) information confirmed to the payment terminal (100).

In addition, the payment terminal 100 is provided with a discount coupon (or merchant earning point) information that can be used by the client from the authentication server 105, the credit card information of the client and the discount coupon (or selected) to be used (or selected) Create a mixed approval request message containing the Merchant Earning Point) information to request credit card transaction approval and discount coupon use approval.

The authentication server 105 receives a discount coupon (or merchant earning point) approval request included in the mixed approval request full text via the payment processing relay server 115, and receives the discount coupon (or merchant earning point) approval request. To update the discount coupon (or merchant earning point) information database 110 for the discount coupon (or merchant earning point) approval process, and the payment terminal 100 transmits the payment processing relay server 115. From the credit card transaction approval and discount coupon (or merchant earning point) authorization details and the new discount coupon (or merchant earning point) information including the newly granted discount coupon (or merchant earning point) information received in the form of a mixed message.

Figure 8 is a simplified illustration of the present invention.

In the drawing, when a client uses a smart card (or IC card) 800 including credit card number information as a payment means, according to the present invention, the payment terminal 100 causes the smart card (or IC card) 800 to be used. By confirming the credit card number information recorded in the), it is a simple example of implementation of the present invention.

The smart card (or IC card) 800 described through this drawing basically has a credit card function, and the payment terminal 100 uses a smart card (or IC card) 800 to perform a credit card transaction. And a smart card (or IC card) interface capable of recognizing the smart card (or IC card) 800 for assisting discount coupon (merchant establishment point) approval processing, thereby enabling appropriate application to the present invention.

The payment terminal 100 receives credit card information (credit card number and credit card payment information) from the smart card (or IC card) 800 through the smart card (or IC card) interface.

The authentication server 105 obtains client credit card number information and payment terminal 100 information (merchant information) from the payment terminal 100, and with reference to the client credit card number information and terminal information (merchant information), The client extracts an appropriate discount coupon (or affiliated store reserve point) that can be used in the payment terminal 100 and provides the payment terminal 100 to the payment terminal 100.

In addition, the payment terminal 100 receives the discount coupon (or merchant earning point) information that the client can use in the affiliated store from the authentication server 105, credit card transaction approval and discount coupon (or merchant earning point) use Create a full text requesting approval and make an approval request.

The authentication server 105 obtains the discount coupon (or affiliated point) approval request included in the mixed approval request message from the payment terminal 100 via the payment processing relay server 115, and the discount coupon (or affiliated store). Earn points) process the approval request to update the discount coupon information database 110 for the discount coupon (or merchant earning point) approval processing. When the credit card transaction approval and the discount coupon (or merchant earning point) approval processing are performed, the payment terminal 100 receives the approval details from the payment processing relay server 115 and the discount coupon (or merchant earning point newly given to the client). Receive the full text of the acknowledgment containing the information.

9 is a simple illustrative view of the present invention.

FIG. 4 illustrates that when a client uses a wireless terminal 900 including credit card number information as a payment means, the payment terminal 100 checks the credit card number information recorded in the wireless terminal 900 according to the present invention. Thus, a simple exemplary embodiment in which the present invention is implemented.

The wireless terminal 900 may be implemented in a wireless terminal 900 such as a subscriber identity module (SIM), a universal identification module (UIM), a universal subscriber identity module (USIM), or the like for implementing a financial payment function including credit card information. It is used in the present invention in conjunction with an IC chip (including credit card information) that can be mounted or removable, and in addition, credit card information can be mounted in a specific memory in the wireless terminal 900.

In addition, according to the present invention, the wireless terminal 900 uses near field wireless data communication as an interface means for providing credit card information (including number information) to the payment terminal 100. The short range wireless data communication includes both infrared data communication such as IrFM, Radio Frequency (RF) data communication, and Bluetooth data communication.

In addition, in this drawing, the payment terminal 100 is an infrared data communication, RF, such as IrFM matching with the wireless terminal 900, in order to obtain credit card information from the wireless terminal 900 using short-range wireless data communication. (Radio Frequency) Data communication and Bluetooth (Bluetooth) data communication and the like interface is provided.

According to the present invention, the wireless terminal 900 transmits the credit card information (credit card number and credit card payment information) of the client to the payment terminal 100 through the short-range wireless data communication, the payment terminal 100 Transmits the received credit card information (credit card number and credit card payment information) and payment terminal 100 information (merchant information) of the client to the authentication server 105, the authentication server 105 is a corresponding merchant to the client The discount coupon (or merchant earning points) information that can be used to extract and provide.

When the discount coupon (or merchant earning point) information available to the merchant is extracted and provided to the payment terminal 100, the payment terminal 100 receives a credit card transaction approval request and a discount coupon (or merchant earning point). Use request approval is made into a specialized structure to request approval at the same time.

The authentication server 105 receives the mixed approval request text from the payment terminal 100 via the payment processing relay server 115, and performs a discount coupon (or affiliated store earning point) approval process, and the discount coupon (or When the merchant credit point approval and the credit card transaction approval are completed, the payment terminal 100 receives the full approval response from the payment processing relay server 115.

10 is a simple illustrative view of the present invention.

In the drawing, when a client attempts to purchase a product through an internet shopping mall, the Internet payment agency (PG) is selected by selecting a credit card payment as an internet purchase payment method and inputting credit card number information of the client. By confirming the credit card number information that is delivered to, a simple exemplary embodiment in which the present invention is implemented.

As described above, if only the credit card number information of the client is obtained on the Internet, in the credit card transaction approval process, the credit card number information of the client included in the authentication server 105 and the discount coupon that is held ( Or by checking the merchant reserve point information, extracting the discount coupon (or merchant reserve point) information that can be used in the Internet shopping mall, and providing the information on the client's Internet terminal 1000, thereby allowing the client to obtain a discount coupon ( Or Merchant Points).

As in the above-described embodiment, in the transmission and reception of a credit card transaction approval request or response message, a message including a discount coupon (or merchant earning point) approval request or response details is configured and transmitted, thereby making it possible to use a communication network. The effect of reducing the burden can be expected.

Figure 11 is a simplified illustration of the present invention.

This figure is a simple example of implementation of the present invention by providing credit card number information over the telephone when a client selects a product to purchase through home shopping or the like and makes a purchase.

When a client watching TV home shopping selects a product to purchase, in general, home shopping provides a user's credit card information using a telephone network (PSTN) to purchase the product.

The payment terminal 100 included in the home shopping or the home shopping that acquires the credit card information of the product purchase client through the telephone network performs a credit card transaction for the product purchase. 105 receives the client credit card number information and the home shopping payment terminal 100 information (home shopping information) from the payment terminal 100, the discount coupon (or affiliated store points) that the client can use in the home shopping Information will be extracted.

The discount coupon (or merchant earning point) is possible through the confirmation of the client credit card number information, the extracted discount coupon (or merchant earning point) information is transmitted to the payment terminal 100 (home shopping), this embodiment In the case of the example, since the client is connected to home shopping through a telephone network, the home shopping (server) may provide the extracted discount coupon information through the telephone network.

When the client selects a discount coupon (or merchant earning point) to use, the payment terminal 100 (home shopping) configures a single message for the credit card transaction approval request and the discount coupon (or merchant earning point) approval request. An authorization request can be made to implement the present invention as appropriate.

According to the present invention, an authentication server for performing discount coupon (or merchant earning point) processing function by matching client credit card number information and discount coupon (or merchant earning point) information is established in connection with a payment processing relay server on a communication network. And providing the terminal information (the merchant information) and the client credit card number information to the authentication server from the payment terminal that acquired the client's credit card number information, and the authentication server provides the terminal information (the merchant information) and the client credit card number information. Accordingly, the client extracts the appropriate discount coupon (or merchant earning point) information that can be used by the merchant and provides the payment terminal, and the client credit card transaction approval request and discount coupon (or merchant earning point) approval request from the payment terminal. Full text of mixed approval request containing information After confirming and sending to the payment processing relay server, the discount coupon (or merchant earning point) approval request information included in the mixed approval request message is confirmed in the authentication server associated with the payment processing relay server. The authorization process is performed and a new discount coupon (or merchant earning point) is granted to the client, the credit card transaction approval and discount coupon (or merchant earning point) approval response and the newly granted discount coupon (or merchant earning point) are granted. By having the payment terminal receive a mixed authorization response with information,

As a first effect, by additionally combining the entire process for credit card transaction approval and discount coupon (or merchant earning point) approval processing, the additional burden of the network cost for the use of discount coupon (or merchant earning point), etc. There is no advantage to this.

Secondly, by using the same transaction authorization number as a credit card transaction, there is an advantage in that batch processing through the transaction authorization number is possible when a cancellation transaction occurs.

Third, there is an advantage that can be directly used without replacing the payment terminal, such as credit card system and CAT terminal that is widely used and can reduce the cost of system construction and terminal replacement.

Fourth, there is an advantage that the integrated management of various royalty information, such as discount coupons, merchant points, electronic money using credit card number information is also possible.

Claims (82)

Clients who purchase tangible and intangible goods (or use of services), payment terminals that process payments according to the purchase of tangible and intangible goods (or use of services), and discount information (discount coupon information or merchant reserve points). Information), and the authentication server for approving the discount information, and a payment processing relay server located on a communication network and performing a payment processing relay, and a credit card company server processing the approval for the payment processing. , A certificate server building step of establishing the authentication server for matching the client credit card number information with the discount coupon (or affiliated point earning point) in association with a payment processing relay server on a communication network; In the payment processing according to the purchase of the client's tangible and intangible goods (or use of a service), the terminal information (the merchant information) and the client credit card number information are obtained from the payment terminal that obtains the credit card number information from the client payment means. Providing payment information provided by the authentication server; Discount coupon (or affiliated point) information available to the affiliated store by the client from discount information of the client previously stored in the authentication server by referring to the terminal information (merchant information) and client credit card number information in the authentication server. Discount information providing step of extracting and providing the payment terminal; A mixed approval request full text generation step of generating, by the payment terminal, a mixed approval request full text including the client credit card approval request and the discount coupon (or affiliated store credit point) approval request information; Providing a mixed approval request message for providing the generated mixed approval request message in the payment terminal to the payment processing relay server; Confirming the discount coupon (or affiliated point) approval request information included in the mixed approval request message in the authentication server linked to the payment processing relay server, and performing the discount coupon (or affiliated store point) approval process Discount information approval step; Generating and transmitting a mixed approval response message that generates a mixed approval response message including a credit card transaction approval result provided from the credit card company server and the discount coupon approval response and transmits it to the payment terminal; And A discount coupon (or affiliated store earned point) approval processing method using a mixed approval message, including; providing the mixed approval response message to the client to provide the mixed approval response message in the payment terminal. The method of claim 1, wherein the client payment means, Mixed approval, characterized in that it comprises at least one wireless (mobile) terminal for storing the credit card, smart card (or IC card), financial information in a specific memory, or embedded or detached IC chip embedded with financial information How to process discount coupon (or merchant earning point) approval using the full text. The method of claim 1, wherein the discount information (including discount coupon information or merchant reserve point information), Method of processing discount coupon (or merchant earning point) approval using a mixed approval text, characterized in that the credit card number system. The method of claim 1, wherein the mixed approval request is General payment authorization request information, Information on the number of discount coupons (or the number of merchant credit points), Discount coupon number (or merchant reserve point number) information, Discount coupon amount (or merchant credit points score) information, A discount coupon (or merchant earning point) approval processing method using a mixed approval text, characterized in that it comprises at least one information on the discount coupon validity period (or merchant establishment point validity period). The method of claim 4, wherein The discount coupon number (or merchant reserve point number) information, The discount coupon amount (or merchant earning point score) information, The discount coupon validity period (or merchant establishment point expiration date) information is displayed by repeating the number of discount coupons (or the number of merchant establishment points) approved discount coupon (or merchant establishment point) using a mixed approval professional Treatment method. The method of claim 1, wherein the mixed approval response message is General payment authorization information, The number of discount coupons (or merchant reserve points) used, Used discount coupons (or merchant reserve points), The number of newly added discount coupons (or merchant reserve points), Newly added discount coupon (or merchant earning point) information, The number of discount coupons (or merchant reserve points) held by clients; A discount coupon (or merchant earning point) approval processing method using a mixed approval text, comprising at least one client holding discount coupon (or merchant earning point) information. The method of claim 6, The used discount coupon (or merchant earning point) information, newly added discount coupon (or merchant earning point) information, and client-owned discount coupon (or merchant earning point) information are used discount coupons (or merchant earning point) information and newly added Method of processing a discount coupon (or merchant earning point) approval using a mixed approval professional, characterized in that the repeated number of discount coupons (or merchant earning points) and the number of discount coupons (or merchant earning points) held by the client. According to claim 1, wherein in the payment information providing step, A wireless (mobile) device that stores credit card, smart card (or IC card), financial information in a specific memory, or embeds or detaches an IC chip embedded with financial information as a medium for receiving client credit card information from the payment terminal. A discount coupon (or affiliated point) approval processing method using a mixed approval message, characterized in that at least one terminal, an internet terminal, a landline telephone. According to claim 1, wherein in the payment information providing step, If the client payment means is a wireless (mobile) terminal, Method of processing discount coupon (or merchant earning point) approval using a mixed approval message, which uses short-range wireless data communication as an interface means for providing the credit card information (including number information) of the client to the payment terminal. . The method of claim 9, wherein the short range wireless data communication, A discount coupon (or merchant credit point) approval processing method using a mixed approval message, characterized in that it comprises at least one of infrared data communication, RF (Radio Frequency) data communication, Bluetooth (Bluetooth) data communication. The method of claim 1, wherein the mixing approval request creation step, The client provided from the authentication server to provide the client with a discount coupon (or merchant earning point) information that can be used at the merchant, and select the discount coupon (or / and merchant earning points) that the client wants to use Method of processing a discount coupon (or merchant earning points) approval using a mixed approval full text further comprising the step of selecting a discount information. According to claim 1, The discount information approval step, After confirming the discount coupon (or merchant earning point) approval request information included in the mixed approval request message, and performing the discount coupon (or merchant earning point) approval process, the discount coupon (or merchant) that the client can use Reward points) The discount coupon (or merchant earning point) approval processing method using a mixed approval full text further comprising a discount information update step of updating the information. The method of claim 12, wherein the discount information updating step, Delete the discount coupon (or merchant earning point) information used by the client, or discount coupon (or affiliated store earning point) information newly provided to the client, characterized in that the discount coupon using the mixed approval (or Merchant Earning Point) How to handle approval. The method of claim 1, wherein the mixed acknowledgment full text generation and transmission step, Adding newly given discount coupon (or merchant earning point) information to the client to a mixed approval response message including the credit card transaction approval result provided from the credit card company server and the discount coupon (or merchant earning point) approval response; Discount coupon (or merchant earning points) approval processing method using a mixed approval professional further comprising a. The method of claim 1, wherein the mixed approval response preamble providing step comprises: Authorization and response details for the credit card transaction and discount coupon (or merchant earning point) use from the payment terminal, information on newly issued discount coupons (or merchant earning points), and all discount coupons held by the client ( Or discount coupon (or merchant earning point) approval processing method using a mixed approval message, characterized in that for outputting to the client to output a mixed approval response message containing at least one merchant establishment point information. The method of claim 1, In case of canceling approval of credit transaction using discount coupon (or merchant earning point) for purchase of goods or service use, Generating, by the payment terminal, a mixed cancellation request message including a credit cancellation transaction and a discount coupon (or merchant earning point) use history from the payment terminal to the payment processing relay server; And Performing a cancellation process for the use of the discount coupon (or affiliated store earned point) included in the mixed cancellation request message from the authentication server associated with the payment processing relay server; How to process a coupon (or merchant earning point) authorization. Discounts that the client can use at the affiliated store with a client that purchases (or uses a service) tangible and intangible goods, a payment terminal that handles payment according to the purchase (or service use) of the tangible and intangible goods, and the payment terminal. A payment processing relay server that provides information (including discount coupon information or affiliated store point information), is located on an authentication server and communication network that approves the discount information, and performs a payment processing relay, and approves the credit card payment processing. Characterized in that comprises a credit card company server for processing, A discount information storing step of matching the client credit card number information with the discount information and storing the discount information in a predetermined database in the authentication server; In the payment processing according to the purchase of the client's tangible and intangible goods (or use of a service), the terminal information (the merchant information) and the client credit card number information are obtained from the payment terminal that obtains the credit card number information from the client payment means. Providing payment information provided by the authentication server; Discount coupon (or merchant credit) that the client can use at the affiliate store in discount information of the client previously stored in a predetermined database in the authentication server by referring to the terminal information (merchant information) and client credit card number information from the authentication server. Discount information providing step of extracting point) information and providing the same to the payment terminal; A mixed approval request full text generation step of generating, by the payment terminal, a mixed approval request full text including the client credit card approval request and the discount coupon (or merchant earning point) approval request information; Providing a mixed approval request message for providing the generated mixed approval request message in the payment terminal to the payment processing relay server; Confirming the discount coupon (or merchant point earned point) approval request information included in the mixed approval request message in the authentication server connected to the payment processing relay server, and performing the discount coupon (or merchant point earned point) approval process Discount information approval step; A mixed approval message including a mixed approval response message generated by the credit card transaction approval result provided from the credit card company server and the discount coupon approval response is generated and transmitted to the payment terminal. How to process discount coupon (or merchant credit point) approval. The method of claim 17, wherein the client payment means, Mixed approval, characterized in that it comprises at least one wireless (mobile) terminal for storing the credit card, smart card (or IC card), financial information in a specific memory, or embedded or detached IC chip embedded with financial information How to process discount coupon (or merchant earning point) approval using the full text. 18. The method of claim 17, wherein the discount information (including discount coupon information or affiliated store point information), Method of processing discount coupon (or merchant earning point) approval using a mixed approval text, characterized in that the credit card number system. 18. The method of claim 17, wherein the full text of the mixed approval request is General payment authorization request information, Information on the number of discount coupons (or the number of merchant credit points), Discount coupon number (or merchant reserve point number) information, Discount coupon amount (or merchant credit points score) information, A discount coupon (or merchant earning point) approval processing method using a mixed approval text, characterized in that it comprises at least one discount coupon validity period (or merchant establishment point validity period) information. The method of claim 20, The discount coupon number (or merchant reserve point number) information, The discount coupon amount (or merchant earning point score) information, The discount coupon validity period (or merchant establishment point expiration date) information is displayed by repeating the number of discount coupons (or the number of merchant establishment points) approved discount coupon (or merchant establishment point) using a mixed approval professional Treatment method. 18. The method of claim 17, wherein the full mixed approval response is: General payment authorization information, The number of discount coupons (or merchant reserve points) used, Used discount coupons (or merchant reserve points), The number of newly added discount coupons (or merchant reserve points), Newly added discount coupon (or merchant earning point) information, The number of discount coupons (or merchant reserve points) held by clients; A method for generating a mixed approval response full text including payment approval information and discount approval information, characterized in that it comprises at least one client discount coupon (or merchant reserve point) information. The method of claim 22, The used discount coupon (or merchant earning point) information, newly added discount coupon (or merchant earning point) information, and client-owned discount coupon (or merchant earning point) information are used discount coupons (or merchant earning point) information and newly added Method for generating a mixed approval response professional of the payment approval information and discount approval information, characterized in that repeatedly displayed as the number of discount coupons (or merchant earning points), and the number of discount coupons (or merchant earning points) owned by the client. The method of claim 17, wherein the storing of the discount information, A discount coupon (or affiliated store earned point) approval processing method using a mixed approval message further comprising the authentication server building step of establishing the authentication server in association with the payment processing relay server on the communication network. The method of claim 17, wherein in the payment information providing step, A wireless (mobile) device that stores credit card, smart card (or IC card), financial information in a specific memory, or embeds or detaches an IC chip embedded with financial information as a medium for receiving client credit card information from the payment terminal. A discount coupon (or affiliated point) approval processing method using a mixed approval message, characterized in that at least one terminal, an internet terminal, a landline telephone. The method of claim 17, wherein in the payment information providing step, If the client payment means is a wireless (mobile) terminal, Method of processing discount coupon (or merchant earning point) approval using a mixed approval message, which uses short-range wireless data communication as an interface means for providing the credit card information (including number information) of the client to the payment terminal. . The method of claim 26, wherein the short-range wireless data communication, A discount coupon (or merchant credit point) approval processing method using a mixed approval message, characterized in that it comprises at least one of infrared data communication, RF (Radio Frequency) data communication, Bluetooth (Bluetooth) data communication. The method of claim 17, wherein the mixing approval request creation step, The client provided from the authentication server to provide the client with a discount coupon (or merchant earning point) information that can be used at the merchant, and select the discount coupon (or / and merchant earning points) that the client wants to use Method of processing a discount coupon (or merchant earning points) approval using a mixed approval full text further comprising the step of selecting a discount information. The method of claim 17, wherein the mixing approval request creation step, The discount information selection step of selecting a discount coupon (or / and merchants earn points) available to the client from the discount coupon (or merchant earning points) information that the client provided from the authentication server can be used in the affiliated stores How to handle discount coupon (or merchant earning points) approval using a mixed approval professional. The method of claim 17, wherein the discount information approval step, After confirming the discount coupon (or merchant earning point) approval request information included in the mixed approval request message, and performing the discount coupon (or merchant earning point) approval process, the discount coupon (or merchant) that the client can use Reward points) The discount coupon (or merchant earning point) approval processing method using a mixed approval full text further comprising a discount information update step of updating the information. The method of claim 30, wherein the discount information updating step, Delete the discount coupon (or merchant earning point) information used by the client, or discount coupon (or affiliated store earning point) information newly provided to the client, characterized in that the discount coupon using the mixed approval (or Merchant Earning Point) How to handle approval. 18. The method of claim 17, wherein the mixed acknowledgment full text generation and transmission step, The hybrid approval further comprises adding the newly granted discount coupon (or merchant earning point) information to the client to the mixed approval response message including the credit card transaction approval result provided from the credit card company server and the discount coupon approval response. How to process discount coupon (or merchant earning point) approval using the full text. The method of claim 17, A discount coupon (or affiliated store earned point) approval processing method using a mixed approval message further comprising the step of providing a mixed approval response full text providing the mixed approval response full text from the payment terminal. The method of claim 17 or 33, Authorization and response details for the credit card transaction and discount coupon (or merchant earning point) use from the payment terminal, information on newly issued discount coupons (or merchant earning points), and all discount coupons held by the client ( Or discount coupon (or merchant earning point) approval processing method using a mixed approval message, characterized in that for outputting to the client to output a mixed approval response message containing at least one merchant establishment point information. The method of claim 17, In case of canceling approval of credit transaction using discount coupon (or merchant earning point) for purchase of goods or service use, Generating, by the payment terminal, a mixed cancellation request message including a credit cancellation transaction and a discount coupon (or merchant earning point) use history and transmitting it to the payment processing relay server; And Performing a cancellation process for the use of the discount coupon (or affiliated store earned point) included in the mixed cancellation request message in the authentication server associated with the payment processing relay server; Discount using the mixed approval message further comprising How to process a coupon (or merchant earning point) authorization. When processing payments for purchasing tangible or intangible goods (or using the service), Receiving payment information (including credit card number information) from a client payment means in a payment terminal; Receiving, by the payment terminal, discount information related to the tangible and intangible goods (or services) from the client, including discount coupon information or affiliated store point information; Generating a mixed approval request message including the payment information and discount information in the payment terminal; And And transmitting the generated mixed approval request full text to an approval server (credit card payment approval server, discount information certificate server). The method of claim 36, wherein the client payment means, Payment information, characterized in that it comprises at least one credit card, smart card (or IC card), a wireless (mobile) terminal for storing financial information in a specific memory, or embedded or detached IC chip embedded with financial information How to create a full mix of approval information The method of claim 36, wherein the client payment means, Method for generating a mixed approval request full of payment information and discount information, characterized in that it comprises at least one Internet terminal, a landline telephone. 37. The method of claim 36, wherein the discount information (including discount coupon information or merchant reserve point information), Method for generating a mixed approval request full of payment information and discount information, characterized in that consisting of a credit card number system. 37. The method of claim 36, wherein the full text of the mixed approval request is General payment authorization information, Information on the number of discount coupons (or the number of merchant credit points), Discount coupon number (or merchant reserve point number) information, Discount coupon amount (or merchant credit points score) information, Method for generating a mixed approval request full text of the payment information and discount information, characterized in that it comprises at least one piece of discount coupon validity period (or merchant establishment point validity period) information. The method of claim 40, The discount coupon number (or merchant reserve point number) information, The discount coupon amount (or merchant earning point score) information, The discount coupon expiration date (or merchant establishment point validity period) information is displayed repeatedly as many times as the number of discount coupons (or the number of affiliated store earned points) mixed payment information and discount information generation method for creating a special approval request. When processing payments for purchasing tangible or intangible goods (or using the service), Receiving payment information (including credit card number information) from a client payment means in a payment terminal; Receiving, by the payment terminal, discount information (including discount coupon information or affiliate store reserve point information) related to the tangible and intangible goods (or services) from a discount information providing server (or discount information authentication server); Generating a mixed approval request message including the payment information and discount information in the payment terminal; And And transmitting the generated mixed approval request full text to an approval server (payment approval server, discount information certificate server). 43. The method of claim 42, wherein the discount information (including discount coupon information or merchant reserve point information), Method for generating a mixed approval request full of payment information and discount information, characterized in that consisting of a credit card number system. The method of claim 42, wherein the client payment means, Payment information, characterized in that it comprises at least one credit card, smart card (or IC card), a wireless (mobile) terminal for storing financial information in a specific memory, or embedded or detached IC chip embedded with financial information How to create a full mix of approval information The method of claim 42, wherein the client payment means, Method for generating a mixed approval request full of payment information and discount information, characterized in that it comprises at least one Internet terminal, a landline telephone. 43. The method of claim 42, wherein the full text of the mixed approval request is General payment authorization request information, Information on the number of discount coupons (or the number of merchant credit points), Discount coupon number (or merchant reserve point number) information, Discount coupon amount (or merchant credit points score) information, Method for generating a mixed approval request full text of the payment information and discount information, characterized in that it comprises at least one piece of discount coupon validity period (or merchant establishment point validity period) information. The method of claim 46, The discount coupon number (or merchant reserve point number) information, The discount coupon amount (or merchant earning point score) information, The discount coupon validity period (or merchant establishment point validity period) information is displayed repeatedly as many as the number of discount coupons (or the number of merchant establishment points), the method for creating a mixed approval request full text of payment information and discount information. When processing payment approval for purchasing tangible or intangible goods (or using a service) that includes discount information, Receiving a credit card transaction approval result from a credit card company server at a payment processing relay server located on a communication network and performing a payment processing relay; Receiving an approval result for the discount information according to the tangible and intangible product purchase (or service use) from a discount information authentication server at a payment processing relay server located on a communication network and performing a payment processing relay; Generating a mixed approval response message including a credit card transaction approval result and discount information approval result at a payment processing relay server located on a communication network and performing a payment processing relay; And And transmitting the generated mixed approval response message to a payment terminal requesting payment approval. 49. The method of claim 48, wherein the discount information (including discount coupon information or merchant reserve point information), A method for generating a mixed approval response full of payment approval information and discount approval information, characterized in that the credit card number system. 49. The method of claim 48, wherein the full mixed approval response is: General payment authorization information, The number of discount coupons (or merchant reserve points) used, Used discount coupons (or merchant reserve points), The number of newly added discount coupons (or merchant reserve points), Newly added discount coupon (or merchant earning point) information, The number of discount coupons (or merchant reserve points) held by clients; A method for generating a mixed approval response full text including payment approval information and discount approval information, characterized in that it comprises at least one client discount coupon (or merchant reserve point) information. 51. The method of claim 50, The used discount coupon (or merchant earning point) information, newly added discount coupon (or merchant earning point) information, and client-owned discount coupon (or merchant earning point) information are used discount coupons (or merchant earning point) information and newly added Method for generating a mixed approval response professional of the payment approval information and discount approval information, characterized in that repeatedly displayed as the number of discount coupons (or merchant earning points), and the number of discount coupons (or merchant earning points) owned by the client. When processing payment approval for purchasing tangible or intangible goods (or using a service) that includes discount information, Receiving a credit card transaction approval result from a credit card company server at a payment processing relay server located on a communication network and performing a payment processing relay; Processing approval for discount information according to the purchase of tangible and intangible goods (or service use) in a discount information authentication server connected to the payment processing relay server; Generating, at the payment processing relay server, a mixed approval response message including a credit card transaction approval result and a discount information approval result provided by the credit card company server; And And transmitting the generated mixed approval response full text to a payment terminal that has requested payment approval. 53. The method of claim 52, wherein the discount information (including discount coupon information or merchant reserve point information), A method of generating a mixed approval response full of payment approval information and discount approval information, characterized in that consisting of a credit card number system. 53. The method of claim 52, wherein the full mixed approval response is: General payment authorization information, The number of discount coupons (or merchant reserve points) used, Used discount coupons (or merchant reserve points), The number of newly added discount coupons (or merchant reserve points), Newly added discount coupon (or merchant earning point) information, The number of discount coupons (or merchant reserve points) held by clients; A method for generating a mixed approval response full text including payment approval information and discount approval information, characterized in that it comprises at least one client discount coupon (or merchant reserve point) information. The method of claim 54, The used discount coupon (or merchant earning point) information, newly added discount coupon (or merchant earning point) information, and client-owned discount coupon (or merchant earning point) information is used discount coupon (or merchant earning point) information and the number of newly added Method for generating a mixed approval response professional of the payment approval information and discount approval information, characterized in that repeatedly displayed as the number of discount coupons (or merchant earning points), and the number of discount coupons (or merchant earning points) owned by the client. When processing payments for purchasing tangible or intangible goods (or using the service), Payment information (including credit card number information) received from client payment methods; The method for generating a mixed approval request full text comprising discount information (including discount coupon information or merchant reserve point information) related to the tangible and intangible goods (or services) as a single text message. The method of claim 56, wherein the client payment means, Payment information, characterized in that it comprises at least one credit card, smart card (or IC card), a wireless (mobile) terminal for storing financial information in a specific memory, or embedded or detached IC chip embedded with financial information How to create a full mix of approval information The method of claim 56, wherein the client payment means, Method for generating a mixed approval request full of payment information and discount information, characterized in that it comprises at least one Internet terminal, a landline telephone. The method of claim 56, wherein the discount information (including discount coupon information or affiliated store reserve point information), Method for generating a mixed approval request full of payment information and discount information, characterized in that consisting of a credit card number system. 59. The method of claim 56, wherein the full text of the mixed approval request is General payment authorization information, Information on the number of discount coupons (or the number of merchant credit points), Discount coupon number (or merchant reserve point number) information, Discount coupon amount (or merchant credit points score) information, Method for generating a mixed approval request full text of the payment information and discount information, characterized in that it comprises at least one piece of discount coupon validity period (or merchant establishment point validity period) information. The method of claim 60, The discount coupon number (or merchant reserve point number) information, The discount coupon amount (or merchant earning point score) information, The discount coupon validity period (or merchant establishment point validity period) information is displayed repeatedly as many as the number of discount coupons (or the number of merchant establishment points), the method for creating a mixed approval request full text of payment information and discount information. When processing payment approval for purchasing tangible or intangible goods (or using a service) that includes discount information, The credit card transaction approval result provided from the credit card company server, A method for generating a mixed approval response message, comprising a result of approval of discount information according to the purchase of a tangible and intangible product (or service use) provided from a discount information authentication server. 63. The method of claim 62, wherein the discount information (including discount coupon information or merchant reserve point information), A method of generating a mixed approval response full of payment approval information and discount approval information, characterized in that consisting of a credit card number system. 63. The method of claim 62, wherein the full mixed approval response is: General payment authorization information, The number of discount coupons (or merchant reserve points) used, Used discount coupons (or merchant reserve points), The number of newly added discount coupons (or merchant reserve points), Newly added discount coupon (or merchant earning point) information, The number of discount coupons (or merchant reserve points) held by clients; A method for generating a mixed approval response full text including payment approval information and discount approval information, characterized in that it comprises at least one client discount coupon (or merchant reserve point) information. The method of claim 64, wherein The used discount coupon (or merchant earning point) information, newly added discount coupon (or merchant earning point) information, and client-owned discount coupon (or merchant earning point) information are used discount coupons (or merchant earning point) information and newly added Method for generating a mixed approval response professional of the payment approval information and discount approval information, characterized in that repeatedly displayed as the number of discount coupons (or merchant earning points), and the number of discount coupons (or merchant earning points) owned by the client. Acquiring credit card number information through a client payment method to initiate a payment transaction at the time of payment processing according to a purchase of a product or using a service, providing the credit card number information to an authentication server, and from the authentication server, the client receives the corresponding merchant. To obtain a discount coupon (or Merchant Reward Point) information that can be used at, and to complete the authorization request, including the authorization request details of the client's credit card transaction and discount coupon (or / or Merchant Reward Point) you wish to use. A payment terminal generating and transmitting to the payment processing relay server; Stores information on the discount coupon (or merchant credit points) held by the client, and receives the client's credit card number information from the payment terminal, so that the client can use the discount coupon (or merchant) Crediting points) information is extracted and transmitted to the payment terminal, and in connection with the payment processing relay server to process the use discount coupon (or merchant earning point) approval request of the client included in the mixed approval request message; Authentication server; A payment processing relay server configured to perform a payment processing relay for the purchase of the product or the use of a service; And A discount coupon (or affiliated store earned point) approval processing system using a mixed approval request message including a credit card company that processes payment approval for a payment method including the credit card number. The method of claim 66, wherein the communication network, It includes all types of private networks including value added networks (VANs) and financial computing networks, and all types of public networks including public switched telephone networks (PSTNs) and wired and wireless Internet networks. Discount coupon (or merchant earning point) approval processing system using a mixed approval request. The method of claim 66, wherein the payment terminal, Discount Coupon (or Merchant Credit Point) approval processing system using a mixed approval request text, characterized in that it comprises at least one or more Point of Sales (POS) or CAT (Credit Authentication Terminal) terminal. The method of claim 66, wherein the authentication server, A discount coupon (or a discount coupon) using a mixed approval request message, characterized in that it comprises a discount coupon (or merchant earning point) information database for matching and storing the client credit card number information and the client owned discount coupon (or merchant earning point) information. Merchant Earning Point) Approval Processing System. 67. The method of claim 66, wherein the payment processing relay server, Discount Coupon (or Merchant Earning Point) approval processing system using a mixed approval request text, characterized in that the VAN (Value Added Network) operators. 67. The method of claim 66, wherein the payment processing relay server, Discount coupon (or affiliated store points) approval processing system using a mixed approval request full text, characterized in that made in conjunction with the authentication server. 67. The method of claim 66, wherein the client payment means, Mixed authorization, characterized in that it comprises at least one wireless (mobile) terminal for storing credit card, smart card (or IC card), financial information in a specific memory, or embedded or detached IC chip embedded with financial information Discount Coupon (or Merchant Earning Point) approval processing system using the request text. 67. The method of claim 66, wherein the client payment means, Discount coupon (or merchant earning point) approval processing system using a mixed approval request full text, characterized in that it comprises at least one Internet terminal, a landline telephone. 67. The method of claim 66, wherein the full text of the mixed approval request is General payment authorization request information, Information on the number of discount coupons (or the number of merchant credit points), Discount coupon number (or merchant reserve point number) information, Discount coupon amount (or merchant credit points score) information, A discount coupon (or merchant earning point) approval processing system using a mixed approval request text, characterized in that it comprises at least one discount coupon validity period (or merchant establishment point validity period) information. 67. The method of claim 66, wherein the discount information (including discount coupon information or merchant reserve point information), Discount coupon (or merchant earning point) approval processing system using a mixed approval request text, characterized in that consisting of a credit card number system. When processing payments for purchasing tangible or intangible goods (or using the service), Payment information (including credit card number information) received from client payment methods; A payment terminal for requesting payment approval by configuring discount information (including discount coupon information or affiliated store reserve point information) related to the tangible and intangible goods (or services) as a single message. 77. The method of claim 76, wherein the payment terminal, A payment terminal comprising at least one of a Point of Sales (POS) or a Credit Authentication Terminal (CAT) terminal. When processing payment approval for purchasing tangible or intangible goods (or using a service) that includes discount information, The credit card transaction approval result provided from the credit card company server, A payment processing relay server configured to process payment approval by configuring the approval result for the discount information according to the purchase of the tangible or intangible product (or service use) provided from the discount information authentication server as a single message. 80. The system of claim 78, wherein the payment processing relay server comprises: Payment processing relay server, characterized in that consisting of VAN (Value Added Network) operators. 80. The system of claim 78, wherein the payment processing relay server comprises: Payment processing relay server, characterized in that made in association with the authentication server. When processing payment approval for purchasing tangible or intangible goods (or using a service) that includes discount information, The credit card transaction approval result provided from the credit card company server, Certificate server for processing the payment approval by configuring the approval result for the discount information according to the purchase of the tangible and intangible goods (or use of the service) into a single full text. 82. The method of claim 81, wherein the authentication server, And a discount coupon (or merchant earning point) information database for matching and storing client credit card number information and client possessed discount coupon (or merchant earning point) information.