KR20080033616A - System and method of providing service ball when using card - Google Patents

Abstract

The present invention relates to card use and user management, and more particularly, when the user wants to use the card, by providing a virtual ball that provides a variety of services, it is very helpful for the management of the user, and a reliable card payment method In addition, the present invention relates to a system and method for providing a service ball when using a card that can be easily registered in each affiliated store as well as a card company. According to the invention, the additional benefits of the service are possible according to the marketing strategy of the card company according to the loyalty of the customer, and the user can easily induce the understanding and interest of the user by introducing a specific medium called the service ball. As the additional benefits of the service can be granted, there is an effect that can be competitive in the age of endless competition between card companies, high security reliability, and cause continuous attention to users.

Description

SYSTEM PROVIDING THE SERVICE BALLS AT CARD USE AND THE METHOD THEROF}

1 is an overall configuration diagram for explaining how a service ball is provided when using a card according to the present invention;

2 is a flow chart configured in accordance with a system and method for providing a service ball when using a card of the present invention;

3 is a block diagram of a system provided with a service ball when using a card configured according to an embodiment of the present invention.

The present invention relates to card use and user management, and more particularly, when the user wants to use the card, by providing a virtual ball that provides a variety of services, it is very helpful for the management of the user, and a reliable card payment method In addition, the present invention relates to a system and method for providing a service ball when using a card that can easily register the service operation rules in each affiliated store as well as a card company.

Various currencies have been developed around the world since the first electrification, which began in the Lydia Kingdom in the 6th and 7th centuries BC, and now the development of electronic money is caused by the hassle and theft of carrying paper money and money. It was.

The cause of the development of electronic money has been able to use not only the function of the current payment means but also various functions, and the electronic financial transaction means in the form of a card with such various functions is currently supplied to many users due to its convenience of use. have.

As card service providers are overheating as well as their infinite demand, each card company is desperately aware of the need to develop a competitive marketing strategy.

Conventional and present customer management methods of various e-financial card users are provided with an instant lottery number on the slip of the card, and the number is confirmed using the ARS. There is a way to check whether the prize is entered by entering in.

This method has a lot of hassle in how to check whether the user wins. In order to eliminate such a hassle, another conventional customer management method is that whether a user wins a slip on the instant ticket when using the card, the infinite lottery number is automatically registered in the server of the infinite lottery operator.

Despite the customer management using the conventional methods, these conventional methods provide users with a simple lottery drawing method, and do not give users confidence in the drawing method. It does not draw much attention.

The present invention is to solve the above problems, in the age of endless competition between the card companies, competitive, high security, and can cause continuous attention to the user, the user information and loyalty information is stored in real time updated card When read from the terminal, various service balls are randomly selected according to the operation rules of the registered service balls according to the marketing strategy desired by the card company, and the service balls are provided when the card is used so that users can immediately benefit from various events upon card approval. And to provide a method.

In addition, it is possible to provide additional benefits of the service according to the card company's marketing strategy according to the loyalty of the customer, and to provide a system and method that can easily induce the user's understanding and interest.

In addition, the card company as well as the respective merchants to provide a system and method that can further benefit the service according to the marketing strategy.

In order to achieve the object of the present invention, a system in which a service ball is provided when a card is used according to the present invention includes a smart card including an applet in which user loyalty and initial information are input and stored, and a terminal in the POS. In the system that reads through and provides additional services through the operation server, I / O that receives data from outside through I / O terminal in smart card and transmits data generated in RFM processing module to outside through I / O terminal O control module; EPI ROM data control module for reading and storing data of the EEP ROM storing the loyalty information and the initial information; Encryption module for encrypting and decrypting data when transmitting and receiving data in and out; When the information on the loyalty is received from the outside through the I / O terminal, the data is decoded and stored in the EEP ROM through the data control module, and the data is stored in the loyalty information stored in the EEP ROM. After reading through the module and the encryption through the encryption module through the I / O control module loyalty (RFM) processing module, consisting of a smart card applet, consisting of a transmission and reception module for transmitting and receiving data to and from the operating server and card company; A calculation module for analyzing and calculating received data; storing data and data stored in the received data and data processed by the data processor Storage module for storing and logging in the memory; POS characterized in that the terminal is configured to read the storage information of the non-volatile memory, and integrates the collected transaction results to manage the information to the operator of the operating server or affiliated store for easy management Settlement server for data; For example, a calculation server that combines business logic applying the suitability of transactions, operating rules of the service ball to create the data desired by the operator; The first transaction server (Transaction Server) to communicate with the Force; Card company and A second transaction server (Transaction Server) to communicate; a database for storing data; a first Web server (Web Server) to provide the user environment of the card company; a second Web Server (Web Server) to provide a user environment of the merchant Configured operating server, characterized in that it comprises a.

In addition, the method of providing a service ball when using the card according to the present invention includes registering a service ball operation rule such as a service operation limit, a limited amount, and a reflection ratio of customer information and loyalty information at the card company in the operation server. ; Transmitting, by the operating server, an operating rule of a service ball determined by the card company to a POS of each affiliated store; Storing, by the POS of each affiliate, an operating rule of the received service ball; Inputting customer information and loyalty information into a card applet and issuing the card to a user; Communicating the card with a terminal for the user to use the issued card at a card affiliate store; Reading, by a terminal of a card affiliate, information of the nonvolatile memory of the communication connected card; Calculating, by the POS including the terminal, the number of service ball requests by applying the read information to the service ball operation rule; Requesting a service ball from an operation server and requesting a card transaction approval from the card company as many as the calculated service ball request number; Verifying, by the operation server, that a request from a POS is valid; Randomly selecting, by the operation server, the number of service balls requested in a POS; Transmitting the selected service balls to a card company; Checking the service history of the received service balls by a card company; Calculating, by a card company, a final authorization amount based on the authorization transaction amount and the confirmed service history; A card company transmitting the calculated result to the POS; And storing the received result in the nonvolatile memory of the card.

In addition, the method of providing a service ball when using a card according to the present invention includes registering the service ball operation rules such as a service operation limit, a limited amount, customer information, and a rate of reflection of the loyalty information in the POS of each affiliated store in the operation server. Characterized in that it further comprises.

In addition, the service ball providing method when using the card according to the present invention is characterized in that the service history of the service balls, for example, 10%, 20%, 30% discount of the transaction amount, discount coupons of other merchants, giveaways and the like.

Hereinafter, exemplary embodiments of the present invention described above will be described in detail with reference to the accompanying drawings.

1 is an overall configuration diagram illustrating a method of providing a service ball when using a card according to the present invention. 2 is a flowchart configured according to a system and method for providing a service ball when using a card of the present invention. 3 is a block diagram of a system provided with a service ball when using a card constructed according to an embodiment of the present invention.

Many card companies are researching systems and methods that are more easily accessible and able to attract customers for customer management and customer attraction.

1, 2 and 3 with reference to the system and method for providing a service ball when using the card according to an embodiment of the present invention,

The card company 1 includes, for example, a first web server that provides an operator environment so that an operator can easily register a service ball operation rule, such as a service operation limit, a limited amount, and a reflection ratio of customer information and loyalty information. It is transmitted to the second transaction server (Transaction Server) 24 of the operation server 2 through the Web Server, 21, and stored and registered in the database 25.

The registered service ball operating rule is transmitted to the POS (POS) 4 of each affiliated store 3 through the first transaction server 23. The transmitted service ball operating rule is received through the reception module 41 of the force 4 and then stored in the data storage memory through the storage module 43.

In addition, the system and method for providing a service ball when using the card according to an embodiment of the present invention can be performed in each affiliated store, not the card company (1).

That is, through each affiliated store 3, for example, the service ball operating rule such as service operation limit, limited amount, and reflectance rate of customer information and loyalty information can be easily registered by the operator. It is transmitted to the second transaction server 24 of the operation server 2 through a second web server 22 which provides an operator environment, and stored and registered in the database 25.

The registered service ball operation rule is transmitted to the force 4 of each affiliated store 3 again through the second transaction server 24. The transmitted service ball operating rule is received through the transmission / reception module 41 of the force 4 and then stored in the data storage memory through the storage module 43.

The operation rules of the service ball in the card company 1 and each affiliated store 3 may be variously applied according to the operation type and the likelihood of various affiliated stores.

After the registration of the service ball and the customer operating system in the card company 1 and each of the affiliated stores 3 is completed, the card company processes the data control module 512 and the loyalty process in the nonvolatile memory of the card 5 such as a smart card. The module 514 stores the initial information and issues a card to the user.

When the user who issued the card 5 connects the card 5 to the terminal 44 of the POSCO 4 using the affiliated store 3, the user of the card 5 is stored in the nonvolatile memory of the card. Information and initial loyalty information are transmitted to the encryption module 513 by the EPIROM data control module 512, and the encryption module 513 is transmitted and received by the I / O control module 511 by the force 4 transmission / reception module after the encryption process. Is transmitted to the terminal communication unit 414 of 41. FIG.

The user information and the loyalty information received through the terminal communication unit 414 are sent to the data processing unit 412 and sent to the calculation module 42 through the data communication unit 411. The calculation module 42 calculates the number of requests for the service ball by applying the operation rules of the service ball stored in the data storage memory.

The number of the service ball request is determined through the data communication unit 411 of the transmission / reception module 41 and at the same time as the number of service ball requests to the operation server (2) the transmission and reception module 41 of the user's card (5) Request the approval to the card company (1) through.

The first transaction server 23 of the operation server 2 receives the service ball request and stores it in the database 25. The operation server 2 verifies the request of the service ball, and randomly selects balls as many as the number of service balls requested. The selected balls are stored in the database 25 and transmitted to the card company 1 through the second transaction server 24.

The card company 1 checks the contents of the service balls received from the operation server (2). The result of the confirmation of the service ball and the result of application to the transaction amount requested for approval and the result of the confirmation of the service ball are transmitted, stored, and transmitted to the operation server 2 through the second transaction server 24.

The result received through the data communication unit 411 of the force transmission / reception module 41 is processed and stored through the data processing unit 412 and the data storage unit 413, and the non-volatile memory of the card through the terminal communication unit 414. Is updated on.

Due to the system and method as described above, the user is provided with various services of the card company 1 and the affiliated store 3, and the card company 1 and the affiliated store 3 have effective and reliable customer management.

The present invention is not limited to the above-described specification and the accompanying drawings, and various modifications can be made without departing from, for example, types of cards, types of services, configurations of respective servers, and the like within the scope of the technical idea of the present invention. If you can see it clearly.

As described above, the system and method of providing a service ball when using the card of the present invention read a smart card including an applet in which user loyalty and initial information are input and stored through a terminal in a POS, In the system that provides additional services through the operation server, I / O control that receives data from the outside through the I / O terminal in the smart card and transmits the data generated by the RFM processing module to the outside through the I / O terminal. module; EPI ROM data control module for reading and storing data of the EEP ROM storing the loyalty information and the initial information; Encryption module for encrypting and decrypting data when transmitting and receiving data in and out; When the information on the loyalty is received from the outside through the I / O terminal, the data is decoded and stored in the EEP ROM through the data control module, and the data is stored in the loyalty information stored in the EEP ROM. After reading through the module and the encryption through the encryption module through the I / O control module loyalty (RFM) processing module, consisting of a smart card applet, consisting of a transmission and reception module for transmitting and receiving data to and from the operating server and card company; A calculation module for analyzing and calculating received data; storing data and data stored in the received data and data processed by the data processor Storage module for storing and logging in the memory; POS characterized in that the terminal is configured to read the storage information of the non-volatile memory, and integrates the collected transaction results to manage the information to the operator of the operating server or affiliated store for easy management Settlement server for data; For example, a calculation server that combines business logic applying the suitability of transactions, operating rules of the service ball to create the data desired by the operator; The first transaction server (Transaction Server) to communicate with the Force; Card company and A second transaction server (Transaction Server) to communicate; a database for storing data; a first Web server (Web Server) providing a user environment of the card company; a second Web Server (Web Server) providing a user environment of the merchant An operation server, including a service ball providing system, and

Registering, at the card company, a service ball operation rule such as a service operation limit, a limited amount, a reflection ratio of customer information and loyalty information with an operation server; Transmitting, by the operating server, an operating rule of a service ball determined by the card company to a POS of each affiliated store; Storing, by the POS of each affiliate, an operating rule of the received service ball; Inputting customer information and loyalty information into a card applet and issuing the card to a user; Communicating the card with a terminal for the user to use the issued card at a card affiliate store; Reading, by a terminal of a card affiliate, information of the nonvolatile memory of the communication connected card; Calculating, by the POS including the terminal, the number of service ball requests by applying the read information to the service ball operation rule; Requesting a service ball from an operation server and requesting a card transaction approval from the card company as many as the calculated service ball request number; Verifying, by the operation server, that a request from a POS is valid; Randomly selecting, by the operation server, the number of service balls requested in a POS; Transmitting the selected service balls to a card company; Checking the service history of the received service balls by a card company; Calculating, by a card company, a final authorization amount based on the authorization transaction amount and the confirmed service history; A card company transmitting the calculated result to the POS; Providing a method of providing a service ball when using a card, the method comprising storing the received result in a nonvolatile memory of the card,

Depending on the loyalty of the customer, additional benefits of the service are possible in accordance with the card company's marketing strategy, and by introducing a specific medium called the service ball, it can easily induce user's understanding and interest. By providing additional benefits, there is an effect that can be competitive in the age of endless competition between card companies, reliable in security, and can cause continuous attention to users.

Claims (4)

A smart card including an applet in which user loyalty and initial information are input and stored, and a system for reading the stored information through a terminal in a POS and providing an additional service through an operation server, An I / O control module for receiving data from the outside through an I / O terminal in the smart card and transmitting data generated by the RFM processing module to the outside through the I / O terminal; EPI ROM data control module for reading and storing data of the EEP ROM storing the loyalty information and the initial information; Encryption module for encrypting and decrypting data when transmitting and receiving data in and out; When the information on the loyalty is received from the outside through the I / O terminal, the data is decoded and stored in the EEP ROM through the data control module, and the data is stored in the loyalty information stored in the EEP ROM. A smart card applet composed of a loyalty (RFM) processing module for reading through the module, encrypting through the encryption module, and transmitting it to the terminal through the I / O control module, and Transmitting and receiving module for connecting and transmitting data to and from the operating server and the card company; Operation module for analyzing and calculating the received data; Storage module for storing and logging the data calculated by the received data and data processing in the data storage memory and non-volatile memory; POS, characterized in that the terminal configured to read the storage information of the non-volatile memory, and Settlement server that integrates the results of the transaction collected into a data management server or merchant operator to manage the data; for example, the suitability of the transaction, business logic to apply the operational rules of the service ball to combine the data desired by the operator Computing server to produce; The first transaction server (Transaction Server) to communicate with the force; The second transaction server (Transaction Server) to communicate with the card company; Database for storing data; The first web server to provide the user environment of the card company (Web Server); Operation server, consisting of a second Web server (Web Server) providing a user environment of the merchant, including, Service ball providing system. Registering, at the card company, a service ball operation rule such as a service operation limit, a limited amount, a reflection ratio of customer information and loyalty information with an operation server; Transmitting, by the operating server, an operating rule of a service ball determined by the card company to a POS of each affiliated store; Storing, by the POS of each affiliate, an operating rule of the received service ball; Inputting customer information and loyalty information into a card applet and issuing the card to a user; Communicating the card with a terminal for the user to use the issued card at a card affiliate store; Reading, by a terminal of a card affiliate, information of the nonvolatile memory of the communication connected card; Calculating, by the POS including the terminal, the number of service ball requests by applying the read information to the service ball operation rule; Requesting a service ball from an operation server and requesting a card transaction approval from the card company as many as the calculated service ball request number; Verifying, by the operation server, that a request from a POS is valid; Randomly selecting, by the operation server, the number of service balls requested in a POS; Transmitting the selected service balls to a card company; Checking the service history of the received service balls by a card company; Calculating, by a card company, a final authorization amount based on the authorization transaction amount and the confirmed service history; A card company transmitting the calculated result to the POS; Storing the received result in a nonvolatile memory of the card; Including, How the service ball is provided when using the card. The method of claim 2, Registering the service ball operation rules such as the service operation limit, the limited amount, the customer information and the rate of loyalty information registration with the operation server in the POS of each merchant, further comprising: How the service ball is provided when using the card. The method of claim 2, Characterized in that the service history of the service balls is a discount of a transaction amount such as 10%, 20%, 30%, discount coupons of other merchants, giveaways, etc., How the service ball is provided when using the card.

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