KR20070104087A - Loyalty service method and system for each item sold by credit card member using purchase verification number - Google Patents

Abstract

A method and a system for providing a loyalty service for each sale item to a credit card member by using a purchase authentication number are provided to accumulate mileage/point to each card number, and reduce automatically all/part of a card payment amount by automatically analyzing the purchase authentication number, a card approval number/date, and coupon information for from the card member. A purchase authentication number(200) is obtained by scratching surface of a sticker provided when the user buys goods or uses a service. A credit card company server(300) processes a card approval request by connecting to an external device, such as a payment terminal of a member shop, and a computer through the wired/wireless network, and aggregates/calculates card payments of the member shop through a procedure for billing a card amount and purchasing card sales. A royalty server(400) provides the service such as the mileage/point or a coupon to a credit card member by automatically analyzing the card transaction details, and the coupon information including the purchase authentication number and the card approval number/date, and provides Internet information services related to royalty to the card member through a web page, an e-mail, or file transfer.

Description

Method and System for the Loyalty Service on Sales Items for Credit Card Members by using a Purchasing Certificate Number}

1 is a simple diagram of a loyalty service system for each item of sale for a credit card member using a purchase authorization number.

2 is a simple flowchart of a process of providing a royalty item-specific service for a credit card member using a purchase authorization number.

<Description of main parts of drawing>

100: credit card 200: purchase confirmation number

300: credit card company server 400: loyalty server

The present invention relates to a loyalty service method and system for each item sold to a credit card member using a purchase authorization number, and more particularly, a card transaction history received from a credit card company server, a purchase authorization number, a card authorization number, and a card approval date. Automatically analyze the coupon information for this additionally registered card number according to the applicable Loyalty Terms and Conditions for each item of sale and earn mileage / point scores for each card number or automate all or part of the amount of the corresponding card transaction. It relates to a loyalty service method and system for each item sold to a credit card member using a purchase authorization number which is reduced.

Mileage / Points earning services to attract and secure high loyalty customers who continue to purchase their goods and services in stores or stores are available through purchase receipts, sales slips, or paper cards with printed / displayed mileage / point information. It is provided in the form of storing a mileage / point score in a customer account of a computer connected to a terminal device of a store by issuing a membership card for each customer. When the accumulated mileage / points reach a certain score, the customer can be provided with free or discounted products or services sold at the corresponding store or store.

In addition, discount coupons, which are a marketing means or method for securing a market share superior to that of competitors, may be purchased by a customer such as a piece of paper on which information such as a name, discount amount or ratio, and expiration date of the corresponding product or service is printed. Provided free of charge to, the customer who presents it can be provided at a discounted price in accordance with the content displayed on the discount coupon or goods sold in the corresponding stores or stores. Recently, with the widespread use of the Internet, the e-commerce market has been activated, and many sites that offer various discount coupons have been created online.

However, a store or store that intends to provide such a customer loyalty service may issue a physical or electronic certificate such as a paper or a card on which the content of the loyalty service is printed or displayed for each item to be provided to the customer or a membership card for each customer. It is difficult to manage and store the collected points or discount coupons and store them for a certain period in the case of real items. In addition, in order to computerize the loyalty service itself, it is necessary to replace or modify a payment terminal of a store or a store, to develop a corresponding application software, to build a server computer, and to pay cashiers of a store checkout counter. There is a problem in that a large cost and time should be consumed because the terminal operation method needs to be retrained. In particular, in the case of a manufacturer who supplies goods without directly operating a store or store, it is very difficult to implement such a service because it is necessary to cooperate with the store or store in order to provide such a customer loyalty service. The problem is that it is not possible at all.

Therefore, there is a need for an invention of a loyalty service method and system that automatically accumulates mileage / points or discount coupons applied to each item by simply paying with a credit card at a credit card merchant. However, the card transaction history processed by the credit card company server includes only the information such as the card number, transaction amount, transaction date, authorization number, credit card merchant information, installment, etc., and does not include information on the items sold. Loyalty services such as mileage / point accumulation or coupon discount cannot be provided for each item sold. Therefore, loyalty service method and system applied to each item by simply paying with a credit card for large retailers such as department stores, discount stores, home shopping, and manufacturers who supply goods without directly operating stores or stores. The invention of the urgent situation is urgent.

Loyalty service method and system for each item sold to the credit card member using the purchase authentication number according to the present invention for solving the above problems, such as credit cards, credit card merchants, credit card payment terminal, etc. are widely used now By using the credit card payment infrastructure as it is, the credit card company server receives the transaction data of the card number registered with the coupon at regular intervals, and the credit card member provides the purchase authorization number and the card authorization number together with the coupon information about the card number. And additionally register the card approval date, and automatically analyze it to earn mileage / point scores for each card number or to automatically reduce all or part of the amount of the corresponding card transaction. For the purpose of .

The present invention for achieving the above object is a loyalty service system for each item sold by credit card members using a purchase authentication number, a general magnetic stripe card (ICC), smart card equipped with an integrated circuit chip (ICC) credit cards, including at least one or more media on which credit card information, such as credit cards and mobile phones, and electronic certificates are recorded, and, for example, a scratch method acquired in the purchase of a service or included in a product. External devices, computers and wired / wireless networks, including purchase authorization numbers, which are unique serial numbers for individual goods or services, and payment terminals of credit card merchants, which can be obtained by scraping the surface by making a sticker or card. To process card authorization requests online and to Credit card company server that collects and pays card payments to credit card merchants through payment process and purchase of card sales slips, and card numbers that are installed inside or outside the credit card company. The credit card information is automatically analyzed according to the pre-set loyalty service terms and rules for each sales item, and the coupon information including the purchase authorization number, the card authorization number, and the card approval date registered by the credit card member in association with the card number. Loyalty server, a server computer that provides services such as mileage / point accumulation or coupon discounts for members, and provides card members with various internet information services related to royalties through web pages, emails, and file transfers. Credit card using a purchase authorization number, including Sales service system to provide royalties to the original item.

In the loyalty service system for each item of sale for a credit card member using a purchase authorization number according to the present invention, the card transaction details are constant as once a day from the credit card company server to the loyalty server for the card number where the coupon is registered. Information that is collectively transmitted over wired and wireless networks at time intervals, including card number, credit card merchant information and industry, card authorization amount, card authorization date and time, card authorization number, card transaction number, and installment contents for each record. desirable.

In addition, in the loyalty service system for each item of sale to a credit card member using a purchase authorization number according to the present invention, the credit card is issued by a credit card company such as a postpaid card, a prepaid card, a gift card, a check card, and a debit card. It is preferable to include at least one card including a general financial settlement function.

Further, in the loyalty service system for each item of sale for a credit card member using a purchase authentication number according to the present invention, the loyalty server includes a balance and transaction details such as coupons and mileage / points for each item associated with the card number. Save and manage royalty account information for each card number, and provide royalties by sales items, including the contents, conditions, rules, and settlement details of the royalty services provided according to the payment method, purchase amount, purchase date, and merchant. Preferably, the database further includes a database for storing and managing account information.

In addition, in a royalty item service system for a credit card member using a purchase authorization number according to the present invention, the purchase authorization number is a royalty item by sales item of the royalty server before being provided to a credit card member who purchases a product or service. It is desirable that the account information be registered in advance in a batch, and that if the product includes a product serial number or a product certification number such as a CD key of a software product, it can be replaced with that.

In addition, in the loyalty service system for each item of sale for a credit card member using the purchase authentication number according to the present invention, when the loyalty server is installed and operated by an external company other than a credit card company, the individual of the credit card member For information security, the card number and credit card merchant information in the card transaction history transmitted from the credit card company server to the loyalty server cannot be reproduced with the original input value such as SHA-1, the international standard hash algorithm. It is preferable to replace the data with the result of the encryption process and to transmit it. Therefore, it is desirable that loyalty account information for each card number stored in the database of the loyalty server is stored and processed in association with the primary key using the result value encrypted by the one-way hash algorithm as described above rather than the actual credit card number. Do.

In addition, the present invention is a loyalty service method for each item sold to a credit card member using a purchase authorization number, (1) a credit card member accesses a loyalty server through a wired / wireless network to provide a coupon for a specific sale item with his or her card number. Registration of the association, (2) the purchase of goods or services corresponding to the coupon registered by the credit card member at the credit card merchant and payment for the credit card registered with the coupon, and (3) the credit server credit Requesting the card transaction details for the card number registered with the coupon at regular time intervals such as once a day to the card company server, and receiving them collectively through the wired / wireless network; and (4) the credit card member accesses the loyalty server again. The purchase authorization number and the credit card receipt Registering the authorization number and card authorization date in addition to the already registered coupon information, and (5) the loyalty server displays the coupon information and the card transaction details for each card number in advance for the purchase payment method, purchase amount, and purchase date and time. Automatically analyzing according to the loyalty service conditions and rules for each item sold to the merchant, and earning mileage / point scores for each card number or automatically reducing all or part of the corresponding card transaction amount; and (6) The loyalty server provides a method of providing a royalty service for each item sold to a credit card member using a purchase authorization number, which includes a step of notifying a credit card member of a loyalty service processing result by using an e-mail or a text message (SMS).

In the loyalty service method for each sales item for a credit card member using a purchase authentication number, the step (1) may include a credit card member accessing a loyalty server through the Internet using a personal computer or the like to obtain a coupon for a specific sale item. When registering in conjunction with the card number of the member, if the loyalty server is installed and operated by a third party other than the credit card company, a program such as an ActiveX control is automatically downloaded and installed from the loyalty server on the connected member's PC. And registering the card number inputted by the credit card member with the one-way hash algorithm and the result of encrypting the result with the encryption algorithm that only the credit card company can decrypt as the card number on the royalty server. It is desirable to.

In addition, in the royalties service method for each item sold to the credit card member using the purchase authentication number, step (3), (3-1) the loyalty server transmits a list of card numbers registered coupons to the credit card company server, (3-2) The credit card company server extracts the card transaction history that occurred after the previous card transaction history transmission for the given card number. Preferably it further comprises the step of transmitting to the royalty server.

In addition, in the royalty item service method for each item sold to the credit card member using the purchase authentication number, step (3-1), when the loyalty server transmits a list of card numbers registered coupons to the credit card company server, It is preferable not to transmit all the registered card number list, but to transmit only the card number newly added or deleted after transmitting and receiving the card number with the previous credit card company server.

In addition, in the royalty item service method for each credit card member using the purchase authorization number, the step (3-2), when the credit card company server extracts the card transaction details for the given card number and transmits the royalty to the royalty server. If the server is installed and operated by a third party, not a credit card company, (3-2-1) the credit card company server decrypts the encrypted card number list received from the royalty server with a private key. (3-2-2) extracting a card transaction history generated within a predetermined period of time with respect to the corresponding card number from the credit card company server; and (3-2-3) credit card company; Before the server sends the extracted card transaction details to the loyalty server, the card number and credit card merchant information included in the card transaction history are encrypted using a one-way hash algorithm. Screen may further include the step of processing.

Further, in the loyalty service method for each sales item for the credit card member by the purchase authentication number, the step (5), (5-1) inquires the loyalty account information for each card number, and retrieves the coupon information for each registered sale item. (5-2) inquiring a card transaction number corresponding to the card authorization number and the card approval date registered in the coupon information among the card transaction details for the corresponding card number; and (5-3) Inquiry of the Loyalty Service Terms and Rules for each sale item corresponding to the registered coupon, and if the coupon registered in the card number is a discount coupon to which the card transaction amount reduction is applied (5-4-1), the corresponding coupon is used. By automatically reducing all or part of the amount of the card transaction, and if the coupon registered in the card number is a reward coupon to which points are applied, (5-4-2) the corresponding card number By connection via a wired or wireless network to its own database, or to the point server for the preferably further comprising the step of earning mileage / points score.

In addition, in a royalty item service method for each sales item for a credit card member using a purchase authentication number, the step (5-4-1) is a step of determining the amount of reduction by a discount coupon (5-4-1-1). And (5-4-1-2) transmitting the result of the discount coupon processing to which the information on the amount of the reduction and the reason for the reduction is added to the corresponding credit card transaction details to the credit card company server, and (5-4-1-3) ) The credit card company server querying the corresponding card transaction history using the card number, card authorization number and card approval date included in the received discount coupon processing result, and (5-4-1-4) It is preferable to further include the step of deducting the amount of the card bill for the credit card member of the card transaction history by the amount of the reduction and describing the reason for the reduction.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description specific specific matters are shown to describe preferred embodiments of the present invention, which are provided to aid a more general understanding of the present invention, and the present invention may be practiced without these specific matters. It will be obvious to those of ordinary skill in the field. In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simplified diagram of a royalty-based service system for each item sold to a credit card member using a purchase authentication number as an exemplary embodiment of the present invention.

The credit card 100 is a medium on which credit card information such as a general magnetic stripe card, an ICC-equipped smart card and a mobile phone, and an electronic certificate is recorded, and is issued by a financial institution such as a credit card company and a bank. Includes all postpaid cards, prepaid cards, gift cards, check cards, debit cards, and the like that include functionality. Among the credit cards, media such as smart cards and mobile phones equipped with ICC include infrared communication interface, Bluetooth communication interface, Wi-Fi communication interface, WLAN communication interface, and RF (Radio Frequency) communication. In the case of supporting at least one of a short range wireless communication method such as an interface and a near field communication (NFC) communication interface, information required for payment can be transmitted and received with a payment terminal having a proximity device supporting the same. have.

The purchase authorization number 200 is generated by a number of different numbers for a specific product or service in a batch, for example, in the form of a sticker or a card of a scratch type, and the value of the purchase authorization number 200 Unique serial number for each individual product or service that can be obtained. The purchase authorization number may be replaced if the product contains a product identification number, such as a unique production serial number or a CD key of a software product. The purchase authorization number, which is collectively generated for the royalty service for a specific sale item, is pre-registered in advance in the royalty account information for each item of sale of the royalty server 400 before being provided to the credit card member who purchases the product or service.

The credit card company server 300 is connected to an external device and a computer, such as a payment terminal of a credit card merchant, by a wired or wireless network, and promptly processes online a card transaction generated at each credit card merchant. Although not shown in the drawing, the credit card company server 300 is connected to a network with a Value Added Network (VAN) provider for relaying the transaction of a general credit card, and the VAN service provider pays for the corresponding credit card merchant. It is connected to the terminal through the communication network. Some large affiliated stores directly connect to the credit card company's servers without using the VAN provider's relay service. In addition, the credit card company server 300, the transaction records, including the card number, credit card merchant information and industry, card authorization amount, card authorization date and time, card authorization number, card transaction number, and installment information for each transaction record By using the card billing process for the credit card member and purchasing the card sales slip for the credit card merchant, the payment and settlement of the card payment and the like are executed. Most credit card companies use large computers for processing financial transactions for such a large amount of financial operations.

The loyalty server 400 is installed and operated inside or outside a credit card company, and has a loyalty account information for each card number including coupons for each item for each card number and a balance such as mileage / points and transaction details in its own database. Stores and manages loyalty account information for each sale item, including the contents, conditions, rules, and settlement details of the loyalty service for each sale item, and does not show on the drawing, but is connected to the Internet. It is a server computer that provides various Internet information services related to royalties through transmission. The loyalty server 400 is connected to the credit card company server 300 through a wired / wireless network so that the card transaction details for the card number where the coupon is registered are collectively transmitted at regular intervals, such as once a day, the pre-set sales item. It automatically analyzes according to Loyalty Service Terms and Rules and provides Loyalty Service for each item such as mileage / point accumulation or coupon discount for each card number.

When the royalty server 400 is installed and operated by an external company other than a credit card company, when the card transaction history is collectively received from the credit card company server 300 at regular intervals, the card number and the card number of the card transaction history are transmitted. The credit card merchant information is replaced by the result of encryption by a one-way hash algorithm that cannot reproduce the original input value, such as SHA-1, the international standard hash algorithm, to maintain the security of the credit card member's personal information. Therefore, in this case, the loyalty account information for each card number stored in the database of the loyalty server 400 is stored in association with each of the result values encrypted by the one-way hash algorithm as the primary key instead of the actual credit card number. Is processed.

FIG. 2 is a simple flowchart illustrating a process of providing a royalty item service for each selling item for a credit card member using a purchase authentication number as a preferred embodiment of the present invention.

The credit card member accesses the loyalty server through a wired or wireless network such as the Internet, selects a coupon for a particular sale item from the displayed coupons, registers it in association with his or her card number (S100), and corresponds to the coupon registered by the credit card member. Purchase a product or service from a credit card merchant and present a credit card at a payment terminal using a medium containing credit card information such as a magnetic stripe card, an ICC-equipped smart card, or a mobile phone, Input the credit card information to pay the price with the credit card registered coupon (S110). The credit card company server collects the card transaction details generated within a certain period for the specific card number requested from the royalty server, and transmits them to the royalty server at a predetermined time interval such as once a day (S120).

In order to form a list of card numbers for requesting the transmission of the card transaction details to the credit card company server, the loyalty server must register in advance the coupon for each item associated with the card number. In this case, if the royalty server is installed and operated by an external company other than a credit card company, the credit card member can search for and select coupons for each item of sale and use royalties over the Internet using a PC to register with the card number. When you connect to the server, the ActiveX control program is automatically downloaded and installed from the loyalty server to the member's PC.If the card member selects the coupon and enters his or her card number, the card number encrypted by the one-way hash algorithm and the credit card company The card number encrypted by the encryption algorithm that can only be decrypted is registered in the card number list of the royalty server. In order to ensure that only the credit card company can decrypt the encrypted contents, an algorithm such as RSA, which is an asymmetric encryption algorithm with different encryption keys and decryption keys, is used. The encryption key is a public key and the decryption key is a secret key ( The credit card company should keep it as a private key. According to a certain time period, the loyalty server distinguishes only the card number newly added or deleted after the previous card number transmission and reception from the list of card numbers registered with the coupon and transmits it to the credit card company server to generate the new card after the previous card transaction history transmission and reception. Request the transmission of card transaction details. The credit card company server decrypts the encrypted card number list received from the royalty server with a secret key to obtain the original card number, extracts the card transaction history generated within a certain period for the corresponding card number, and extracts the card transaction. Among the details, the card number and the credit card merchant information transmit the card transaction details encrypted by the one-way hash algorithm to the royalty server (S120).

Credit card members who purchase goods or services corresponding to a coupon registered in association with the card number on the loyalty server and pay with the credit card in which the coupon is registered are included in the product by accessing the loyalty server again through the Internet or the like. The purchase authorization number and the card authorization number of the credit card receipt and the card authorization date acquired when purchasing the service are additionally registered in the corresponding coupon information already registered in association with the card number (S130).

The loyalty server inquires the card transaction number corresponding to the card authorization number and the card approval date registered in the coupon information among the coupon information and the card transaction details for each card number (S140), and for each sale item corresponding to the coupon registered on the credit card. If the coupon registered in the card number is the accumulated coupon to which the points are applied, the loyalty service conditions and rules are searched (S150), and the corresponding card number is accessed through a wired / wireless network to its own database or to the corresponding point server. Earn mileage / point score (S160).

When the coupon registered in the card number is a discount coupon to which the card transaction amount reduction is applied, the reduction amount is determined by using the corresponding coupon (S170), and the information such as the reduction amount and the reason for the reduction is applied to the corresponding card approval result. The added loyalty service processing result is transmitted to the credit card company server (S180), and the credit card company server uses the card number, card authorization number, and card approval date included in the received loyalty service processing result to record the corresponding card transaction details. The inquiry is made by deducting the amount of the credit card charge for the credit card member by the amount of reduction and the reason for the reduction (S190).

The loyalty server notifies the credit card member of the loyalty service processing result using an e-mail or a text message (S200).

Loyalty service method and system for each item sold to the credit card member using the purchase authentication number according to the present invention, by using a credit card payment infrastructure, such as credit cards, credit card merchants, credit card payment terminals, etc., which are widely used and sold As it can be used for the implementation of customer loyalty service, issuance of physical or electronic certificates such as paper or card, issuance and management of membership card for each customer, development and construction of server computer for loyalty system, and payment terminal for loyalty service There is no need for replacement or modification and retraining of payment terminal operation for cashiers. Customers who are credit card members carry various membership cards or coupon books and present them with the appropriate expression at the relevant credit card merchants. No credit required Loyalty service is applied to each item just by paying for the mileage / point accumulation or coupon discount.

Therefore, according to the loyalty service method and system for each item sold by the credit card member using the purchase authorization number according to the present invention, it is easy to differentially apply the loyalty service for each item sold in a large retail store such as various department stores, discount stores, home shopping, etc. In particular, a manufacturer who only supplies goods without operating a store or store directly, and does not have to cooperate with a store or store to provide a customer loyalty service, is a royalty service that is applied to each item sold. The advantage is that it can be implemented.

Claims (13)

A loyalty service system for each item sold to credit card members using a purchase authorization number, A credit card including at least one or more media including credit card information such as general magnetic stripe cards, smart cards and mobile phones equipped with ICC, and electronic certificates; A purchase authorization number, which is a unique serial number for each individual product or service, which can be obtained by scraping the surface, for example, in the form of a scratched sticker or card that is included in the product or acquired when purchasing the service; It is connected to external devices and computers including credit card merchant's payment terminal and wired / wireless network to process card authorization requests online, and to process credit card merchants through card billing and purchase process of card sales slip. A credit card company server that performs aggregation and settlement of card payments, etc., Advance card information including card transaction details for the card number where the coupon is registered and installed inside or outside the credit card company, as well as the purchase authorization number registered by the credit card member in association with the card number, card authorization number, and card approval date. It automatically analyzes according to the Loyalty Service Terms and Rules for each item sold and provides services such as mileage / point accumulation or coupon discounts for credit card members. Loyalty server, a server computer that provides various internet information services related to royalty Loyalty service system for each item sold for credit card members using a purchase authorization number comprising a. The method of claim 1, The card transaction history, Information about the card number where the coupon is registered is transmitted through the wired / wireless network at regular intervals such as once a day from the credit card company server to the royalty server. For each record, the card number, credit card merchant information and business type, card authorization amount, card authorization date and time, card authorization number, card transaction number, and installment Loyalty service system for each item sold for credit card members using a purchase authentication number comprising a. The method of claim 1, The credit card, Cards that include common financial settlement functions issued by credit card companies, such as post-paid cards, prepaid cards, gift cards, check cards, and debit cards Loyalty service system for each item of sale for a credit card member using a purchase authorization number comprising at least one. The method of claim 1, The loyalty server, Stores and manages loyalty account information by card number including balances and transaction details such as coupons and mileage / points for each item associated with the card number, and according to the payment method, purchase amount, date and time of purchase, merchants, etc. A database that stores and manages loyalty account information for each item of sale, including the details, conditions, rules, and settlement details of the royalty services offered. Loyalty service system for each item sold for credit card members using a purchase authorization number further comprises. The method of claim 1, The purchase authorization number is, Register in advance with the loyalty account information for each item of sale on the loyalty server before being provided to the credit card member who purchases the goods or services; If a product contains a product identification number, such as a unique production serial number or a CD key for a software product, that product can be replaced. Loyalty service system for each item sold to the credit card member using the purchase authorization number characterized in that. Article 1 The method according to claim 2 or 4, The credit card company server, The card number and credit card merchant information among the card transactions sent to the loyalty server are replaced by the result of encryption by a one-way hash algorithm that cannot reproduce the original value. The loyalty server, Storing and processing the loyalty account information for each card number stored in the database in association with the result value encrypted by the one-way hash algorithm instead of the actual credit card number as the primary key Loyalty service system for each item sold to the credit card member using the purchase authorization number characterized in that. A loyalty service method for each item sold to credit card members using a purchase authorization number. (1) a credit card member accessing a loyalty server through a wired or wireless network to register a coupon for a specific sale item in association with his or her card number; (2) purchasing goods or services corresponding to the coupon registered by the credit card member at the credit card merchant and paying the price with the credit card registered with the coupon; (3) the loyalty server requests the credit card company server for the card transaction history for the card number where the coupon is registered at regular time intervals, such as once a day, and receives the bulk transaction through the wired / wireless network; (4) The credit card member accesses the loyalty server again and registers the purchase authorization number and the card authorization number of the credit card receipt and the card authorization date which are included in the product or when purchasing the service in addition to the registered coupon information. Wow, (5) The loyalty server automatically analyzes the coupon information and the card transaction history for each card number according to the pre-set loyalty service terms and rules for each sales item for the purchase settlement method, purchase amount, purchase date, and merchant. Earning mileage / point scores for the number or automatically reducing all or part of the amount of the corresponding card transaction; (6) the loyalty server notifying the credit card member of the loyalty service processing result by e-mail or text message Loyalty service method for each item sold for credit card members using a purchase authorization number comprising a. The method of claim 7, wherein Step (1), When a credit card member accesses a loyalty server through the Internet using a PC, etc., and registers a coupon for a specific sale item in association with his or her card number, If your loyalty server is installed and operated by a third party that is not a credit card company, A program such as an ActiveX control is automatically downloaded and installed from the loyalty server on the connected member's PC, and the result of encrypting the card number entered by the credit card member using a one-way hash algorithm and encryption that only the credit card company can decrypt Registering the result of encryption processing with an algorithm as a card number on the royalty server Loyalty service method for each item sold for credit card members using a purchase authorization number further comprising. The method of claim 7, wherein Step (3), (3-1) the loyalty server transmitting a list of card numbers on which the coupon is registered to the credit card company server, requesting the transmission of the card transaction details newly generated after the transmission and reception of previous card transactions; (3-2) the credit card company server extracts the card transaction history generated after the previous card transaction history transmission for the given card number and transmits it to the royalty server Loyalty service method for each item sold for credit card members using a purchase authorization number further comprising. The method of claim 9, Step (3-1), When the loyalty server sends a list of card numbers with coupons to the credit card company's server, Rather than sending a complete list of card numbers registered on the loyalty server, only the newly added or deleted card numbers are transmitted separately after sending and receiving card numbers with the previous credit card company server. Loyalty service method for each item sold to the credit card member using the purchase authorization number characterized in that. The method of claim 9, Step (3-2), When the credit card company server extracts the card transaction details for the given card number and sends it to the royalty server, if the royalty server is installed and operated by a third party other than the credit card company, (3-2-1) the credit card company server decrypting the encrypted card number list received from the royalty server with a private key to obtain the original card number; (3-2-2) the credit card company server extracting the card transaction history occurred within a certain period of time with respect to the corresponding card number; (3-2-3) The credit card company server encrypts the card number and credit card merchant information included in the card transaction history with a one-way hash algorithm before sending the extracted card transaction history to the loyalty server. Loyalty service method for each item sold for credit card members using a purchase authorization number further comprising. The method of claim 7, wherein The step (5), (5-1) inquiring loyalty account information for each card number to inquire coupon information for each registered sale item; (5-2) inquiring a card transaction history corresponding to the card authorization number and the card approval date registered in the coupon information among the card transaction details for the corresponding card number; (5-3) querying the royalties terms and conditions for each item of sale corresponding to the registered coupon; If the coupon listed in the card number is a discounted coupon that is subject to card transaction amount reduction, (5-4-1) automatically reducing all or part of the amount of the card transaction by using the corresponding coupon; If the coupon registered in the card number is an accumulation coupon to which points are applied, (5-4-2) The step of accumulating mileage / point scores by accessing its own database or a corresponding point server for a corresponding card number through a wired or wireless network. Loyalty service method for each item sold for credit card members using a purchase authorization number further comprising. The method of claim 12, The step (5-4-1), (5-4-1-1) determining the amount of reduction by the discount coupon, (5-4-1-2) transmitting the result of the discount coupon processing to which the information on the amount of the reduction and the reason for the reduction is added to the corresponding credit card transaction details to the credit card company server; (5-4-1-3) the credit card company server inquiring the corresponding card transaction history using the card number, card authorization number and card approval date included in the discount coupon processing result received; (5-4-1-4) Deducting the amount charged to the credit card member for the credit card member of the corresponding card transaction details by the amount of the reduction and describing the reason for the reduction Loyalty service method for each item sold to the credit card member by the purchase authorization number further comprising.

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