KR20060095895A - System and method for providing incentives, recording medium and information storing medium - Google Patents

Abstract

The present invention relates to a method and system for providing incentives, wherein a plurality of clients included in a specific group or a representative client of the specific group and a specific product using a specific payment means for a certain period of time in a server on a network. Signing a group purchase agreement that concludes an agreement to purchase a certain amount (or a certain amount) or more, and / or a certain amount of purchase of a certain amount for a certain period of time; Storing group agreement information stored in a predetermined storage medium by processing the purchase agreement information concluded in the group purchase agreement conclusion step in the server in association with payment means information of the specific group member; On the basis of the agreement information concluded in the group purchase agreement conclusion step, when a predetermined purchase contract is concluded with the specific product vendor or a specific merchant, the server corresponds to a predetermined purchase contract corresponding to the purchase contract with the specific product seller or the specific merchant. An incentive information storage step of storing incentive provision condition information in the storage medium; A payment means usage history extraction step of extracting a payment means usage history of the specific group member from a plurality of payment means usage history information using the specific payment means in the server for a predetermined period; A specific affiliate store (or product) purchase history extraction step of extracting the specific affiliate store and / or product purchase history from the payment means usage history of the specific group member extracted in the payment means usage history extraction step by the server; The specific affiliate store (or product) purchase history extracted in the specific affiliate store (or product) purchase history extraction step is summed in the server, and the total amount (or amount) of a specific product purchased by the specific group members and / or at a specific merchant A total purchase information calculating step of calculating total purchase amount information of the; A specific product corresponding to the total purchase amount (or amount) of a specific product and / or total purchase amount information of a specific merchant and the purchase agreement information previously stored in the storage medium calculated by the server in the total purchase information calculation step; A total purchase information comparing step of comparing product purchase amount (or amount) and / or total purchase amount information at a specific affiliate store; And an incentive providing step of providing, by the server, an incentive corresponding to the incentive information previously stored in the storage medium to the specific group member in the server.

Thereby, it is possible to secure a buyer (or a user) based on a specific group that is bound, and to secure sales and secure excellent customers through a contract with the specific group.

Specific product, agreement, incentive, discount amount, calculation

Description

 System and Method for Providing Incentives, Recording Medium and Information Storing Medium}

1 is a simplified block diagram of an incentive providing system according to a preferred embodiment of the present invention.

2 is a simple flowchart of a process of establishing a specific group according to a preferred embodiment of the present invention.

3 is a simple flowchart of a process of storing predetermined incentive information corresponding to group purchase agreement information according to an exemplary embodiment of the present invention.

4 is a simple flowchart of a process in which a predetermined incentive is provided according to a payment method usage of a specific group client (s) according to a preferred embodiment of the present invention.

5 is a simple data model for specific group join condition information according to a preferred embodiment of the present invention.

6 is a simple data model for specific group agreement information in accordance with a preferred embodiment of the present invention.

7 is a simple data model for payment means usage history information according to a preferred embodiment of the present invention.

8 is a simple data model for total purchase price information according to a preferred embodiment of the present invention.

9 is a simple data model for incentive provision condition information according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: group establishment unit

110: purchase contract conclusion unit 115: incentive information storage unit

120: group agreement information storage unit 125: receiving unit

130: judgment unit 135: information provider

140: group agreement information storage unit 145: purchase history extraction unit

150: total purchase information calculation unit 155: total purchase information comparison unit

160: incentive provider 165: storage medium

170: specific product seller 175: specific group

The present invention concludes a predetermined agreement with a specific group for the use of a specific payment means and purchase a certain amount of a certain product and / or a specific merchant for a certain period in the server, the payment means use history of the specific group member according to the group agreement information ( For example, the present invention relates to an incentive providing method and system for extracting the particular affiliated store and / or product purchase details and the like, and providing an incentive according to the sum of the payment means usage details of the specific group members.

 Incentives are motivations and actions for motivational purposes, and in particular, various incentives and benefits that increase the employee's motivation to work or the consumer's motivation to buy.

In recent years, as cards (credit cards, etc.) have become one of the most common payment methods, financial companies (e.g., card companies) have incentives mentioned above to secure more customers while accommodating ever-diversifying customer needs. Is provided in points or miles.

In addition, in an online shopping mall or a large discount mart, a predetermined incentive according to a purchase amount is provided to secure a purchase customer.

However, the incentives provided by the above-mentioned financial companies or shopping malls function only as passive incentives paid in terms of rewards for specific actions (eg, membership, product purchase, etc.) of the customer.

On the other hand, as the Internet infrastructure has become widespread, various meetings (groups) or communities have emerged for predetermined purposes (eg, hobbies, leisure, work, etc.) online and offline. Communities have rapidly spread around community service providing sites, and these communities have inherent cohesion or homogeneity.

Accordingly, it is time to actively use such incentives and use a group having a predetermined homogeneity, so that a service or a product that secures a financial product user or a product buyer (a merchant user) should be sought.

An object of the present invention to solve the above problems is, by using a specific group constituting a plurality of clients and a predetermined agreement (for example, by using a certain amount of purchase and / or a specific payment means at a certain merchant for a certain period of time) Purchase a certain amount of goods (or a certain amount) or more), and conclude a predetermined incentive providing contract corresponding to the agreement conclusion information with the specific product seller (or affiliated store) based on the concluded agreement information, It is to provide a method and system for providing an incentive corresponding to the contract agreement information according to the payment means usage history of the particular group.

In order to achieve the above object, the present invention provides a method for providing an incentive, wherein a specific payment means is used by a plurality of clients included in a specific group or a representative client of the specific group in a server on a network for a certain period of time. In a group purchase agreement conclusion step of entering into a contract to purchase a certain amount (or a predetermined amount) of a specific product, and / or to purchase a certain amount or more from a specific merchant for a predetermined period, and in the group purchase agreement conclusion step to the server, Group specific information storage step of processing the concluded purchase agreement information in connection with the payment means information of the specific group member to a predetermined storage medium, and based on the agreement information concluded in the group purchase agreement conclusion step, the specific product Prescribed purchase notice with seller or specific merchant Incentive information storage step of storing the predetermined incentive provision condition information corresponding to the purchase contract with the specific product vendor or a specific merchant in the storage medium at the server, and for the predetermined period, the specific payment means at the server Payment means usage history extraction step of extracting the payment means usage history of the specific group member from the plurality of payment means usage history information using the payment means usage of the specific group member extracted in the payment means usage history extraction step from the server A specific merchant (or product) purchase history extraction step of extracting the specific merchant and / or product purchase history from the details, and the specific merchant (or product) purchase history extracted in the specific merchant (or product) purchase history extraction step from the server Summing up, configuring the particular group for a period of time A total purchase information calculating step of calculating a total purchase amount (or amount) of a specific product of a circle and / or total purchase amount information at a specific merchant, and the specific product of the specific group members calculated in the total purchase information calculating step by the server Compare the total purchase amount (or amount) and / or total purchase amount information at a specific merchant with the purchase amount (or amount) of a specific product corresponding to the purchase agreement information previously stored in the storage medium and / or the total purchase amount information at a specific merchant. And an incentive providing step of providing, by the server, an incentive corresponding to the incentive information previously stored in the storage medium to the specific group member according to a comparison result of the total purchase information comparison step and the total purchase information comparison step. It features.

In addition, the present invention may be configured to further include a group establishing step of accessing the server to the client who wants to establish the specific group to establish a specific group targeting a specific product or a specific affiliate store using client.

Here, in the group establishing step, the client who wants to establish the specific group, the specific period information, specific product (or specific merchant) information, specific amount information, specific payment means use restriction information, group participation membership to the server Providing specific group subscription condition information including at least one condition information and at least one group member restriction information; and a specific group (or a specific group webpage) which establishes the specific group subscription condition information provided by the client at the server. ) Can be included.

According to the present invention, certain products described herein may be of the type of goods including petroleum products, including gasoline, kerosene, diesel, and / or accommodation products provided by accommodations, travel products provided by travel agencies, insurance companies, etc. Characterized in that it comprises an intangible service product including at least one insurance product provided by.

In addition, according to the present invention, the affiliated stores described in the present specification are oil refiners selling petroleum products, large discount marts, large stores such as department stores, restaurants, hotels, such as hotels, travel agencies that sell travel products and At least one insurance company that sells goods, such as characterized in that the made up.

Further, according to the present invention, the group purchase agreement conclusion step, the specific period information, the specific product (or specific merchant) information, the specific amount information, the specific payment means use restriction information, the group participation membership qualification conditions in the server Providing at least one client with at least one client a web page including the information and at least one group member condition information including at least one group member restriction information, and at least one client agreeing with the group member condition information. And receiving the predetermined customer information and / or payment means information.

Here, the step of receiving predetermined customer information and / or payment means information from at least one or more clients agreeing with the specific group subscription condition information may be based on the customer information at the server. The method may further include determining whether a condition of the client meets the group participation membership requirement.

According to the present invention, the step of storing the group agreement information is stored in the storage medium by processing the purchase agreement information concluded in the group purchase agreement conclusion step in the server in association with the customer information (or member information) of the specific group member It may further comprise a step.

The storing of the group agreement information may further include storing the information on the storage medium in association with the specific group information by processing the purchase agreement information concluded in the group purchase agreement conclusion step at the server.

In the storing of the group agreement information, the server may provide a predetermined code (or applet) corresponding to the purchase agreement information and / or specific group information to the specific group member owned payment means in association with a predetermined terminal. It may include.

Here, when the server provides a predetermined code (or applet) corresponding to the purchase agreement information and / or specific group information to the payment means by the specific group member in association with a predetermined terminal, the purchase agreement information and / or Alternatively, the method may further include storing a predetermined code (or applet) corresponding to the specific group information in a predetermined memory provided in the payment means owned by the specific group member.

According to the present invention, the step of storing the incentive information further includes a step of signing a predetermined purchase contract with the specific product sales company server or a specific merchant server based on the agreement information concluded in the group purchase agreement conclusion step at the server. can do.

Here, the purchase contract concluded with the specific product sales company server or the specific merchant server is when the purchase of a certain amount of a certain amount of goods for a certain period of time with a specific payment means, and / or when the purchase amount of a certain amount of money from a specific merchant for a certain period of time with a specific payment means, It is preferable to include a purchase contract for providing a specific incentive at the specific product vendor or a specific merchant.

In the storing of the incentive information, the predetermined incentive provision condition information may be obtained by the specific group member using a specific payment method for a predetermined period of time to purchase a certain product (or a predetermined amount) or more at a specific merchant. When purchasing more than the amount, it is preferable to include predetermined incentive information provided to the specific group member.

According to the present invention, the payment means usage history extraction step is the payment means information and / or customer information included in the payment approval message transmitted from a predetermined payment terminal from the server and the payment means of the specific group member previously stored in the storage medium Comparing the information and / or customer information, it is characterized in that the payment means usage history of the specific group member of the plurality of payment means usage history information is extracted.

In addition, the payment means usage history extraction step, if the predetermined code (or data) corresponding to the purchase agreement information and / or specific group information is stored in a predetermined memory provided in the payment means owned by the specific group member, In the payment terminal of the step of transmitting to the server a predetermined code (or data) corresponding to the purchase agreement information and / or specific group information stored in the payment means owned by the particular group member and the purchase agreement information and And / or the payment means usage history of the specific group member is extracted from the plurality of payment means usage history information based on predetermined code (or data) information corresponding to the specific group information.

According to the present invention, the calculating of the total purchase information may further include calculating, by the server, the total purchase amount (or amount) of a specific product and / or the total purchase amount information at a specific affiliate store for each specific group member.

The calculating of the total purchase information may include calculating a total purchase amount (or amount) of a specific product and / or total purchase amount information at a specific affiliate store for each specific group member, and calculating the total purchase price information of all the specific group members at the server. The specific product total purchase amount (or amount) and / or the total purchase price information at a specific merchant is compared with the total product purchase amount (or amount) and / or total purchase amount information at a specific merchant, and the specific product is compared. The method may further include calculating a purchase contribution for each specific group member with respect to a total purchase amount (or amount) and / or a total purchase amount at a specific affiliate store for all group members.

According to the present invention, the incentive providing step, when the server calculates the purchase contribution for each particular group member to the total purchase amount (or amount) and / or the total purchase amount of a specific product of all the specific group members, The incentive is provided to the specific group member in response to the calculated contribution information.

The providing of the incentive may include transferring a predetermined discount amount corresponding to the incentive from the server to a financial account of the specific group member or by processing a negative settlement from the payment amount of the specific group member. It is done.

In addition, the providing of the incentive is characterized in that the server provides the incentive to the specific group members as points or miles.

On the other hand, the present invention is characterized in that it comprises a computer-readable recording medium recording a program for executing each step included in the above-described incentive providing process.

Hereinafter, a process of providing an incentive proposed by the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

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 addition, in describing 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 block diagram of an incentive providing system according to a preferred embodiment of the present invention.

Referring to FIG. 1, in order to more smoothly perform the incentive providing process of the present invention, a specific group consisting of a plurality of clients, a specific payment method, a certain amount of a certain amount of a product, and / or a specific merchant for a certain period of time may be used. Signing a predetermined agreement, and storing the group agreement information in a predetermined storage medium 165 in association with the payment means information of the specific group members, the specific product sales company (server) or based on the group agreement information A function of storing condition information for entering into a predetermined contract with a specific affiliated store (server or terminal) and providing a predetermined incentive, and using the payment means of the specific group member according to the group agreement information for a certain period of time (eg, the specific Merchants and / or product purchase details, etc.) Depending on the result a functional configuration for a system for providing incentives to realize a function for providing incentives.

According to the invention, the payment means is characterized in that it comprises at least one credit card, debit card, prepaid card, check card, electronic money, and mobile payment means.

Referring to FIG. 1, the server 100 provided on the incentive providing system includes a financial company server 100 including a card company server 100 or a bank server 100, and / or a mobile communication company server 100, and / Or the shopping mall server 100, and as a functional unit for realizing the above-described functions more effectively, as shown in the figure, group agreement information storage unit 120, incentive information storage unit 115 ), The payment means usage history extraction unit 140, purchase history extraction unit 145, the total purchase information calculation unit 150, the total purchase information comparison unit 155 and the incentive providing unit 160 may be configured to include. have.

Preferably, the group agreement information storage unit 120 of the server 100 is a plurality of clients included in the specific group or the representative group of the specific group and the specific group members for a period of time by using a specific payment means In the process of entering into an agreement to purchase a certain amount (or a certain amount) of a certain product and / or to purchase a certain amount or more at a specific merchant for a certain period of time, a plurality of clients included in the specific group or the specific group The purchase agreement information concluded with the representative client for the predetermined group member for a predetermined period of time is associated with the payment means information of the specific group member and stored in a predetermined storage medium 165.

Referring to FIG. 6 below, a plurality of clients included in the specific group or representative clients of the specific group in the server 100 may use specific payment means for a specific product by a specific group member. It shows the group agreement information data generated in the process of making a contract to purchase a certain amount (or a certain amount) or more, and / or to purchase a certain amount or more at a specific merchant for a certain period of time.

For example, as shown in FIG. 6, the group agreement information includes a specific group name, a specific group unique code (or ID), a specific group period, a specific merchant (or a specific product), a specific purchase amount, a specific payment method, and the like. Can be configured.

In addition, the group agreement information storage unit 120 stores the concluded purchase agreement information in association with the customer information (or member information) and / or the specific group information of the specific group member and stores the information in the storage medium 165. Can be.

In addition, the group agreement information storage unit 120 may provide a predetermined code (or applet) corresponding to the purchase agreement information and / or specific group information to a payment means owned by the specific group member in association with a predetermined terminal. have.

Here, the payment means owned by the particular group member may include a card or a wireless terminal having a predetermined memory (for example, an IC chip).

Preferably, the incentive information storage unit 115 of the server 100 is based on the agreement information with the plurality of clients included in the specific group or the representative client of the specific group, the specific product vendor or specific In the process of signing a predetermined purchase contract with an affiliated store, the storage medium 165 stores predetermined incentive provision condition information corresponding to the purchase contract with the specific product vendor or the specific affiliated store.

Here, the predetermined incentive provision condition information stored in the incentive information storage unit 115, the specific group members purchase a certain amount (or a predetermined amount) or more of a certain product by using a specific payment means for a certain period and / or a specific merchant When purchasing more than a predetermined amount from, may include predetermined incentive information provided to the particular group members.

For example, referring to FIG. 9, incentive provision condition information data stored in the storage medium 165 through the incentive information storage unit 115 is illustrated.

Preferably, the group agreement information storage unit 120, a plurality of clients included in the specific group or the representative group of the specific group and the specific group members for a certain period of time using a specific payment means An agreement to purchase a certain amount (or a predetermined amount) or more, and / or group agreement information to purchase a certain amount or more at a specific merchant for a certain period of time is stored, and through the incentive information storage unit 115, based on the agreement information. When the incentive providing condition information is stored in the storage medium 165, the payment means usage history extractor 140 of the server 100 for a predetermined period of time, using a plurality of payment means usage history information Characterized in that the payment means usage history of the specific group member of the extraction.

Here, in the process of extracting the payment means usage history of the specific group member, the payment means usage history extraction unit 140 and the payment means information and / or customer information included in the payment approval message transmitted by a predetermined payment terminal; By comparing the payment means information and / or customer information of the specific group member previously stored in the storage medium 165, the payment means usage history of the specific group member can be extracted from a plurality of payment means usage history information.

In addition, through the group agreement information storage unit 120, a predetermined code (or data) corresponding to the purchase agreement information and / or specific group information is stored in a predetermined memory provided in the payment means owned by the specific group member. If so, the payment means usage history extraction unit 140 is based on the purchase agreement information transmitted from a predetermined payment terminal and / or predetermined code (or data) information corresponding to specific group information. The payment means usage history of the specific group member may be extracted from the means usage history information.

For example, when a predetermined application (or data) corresponding to the purchase agreement information and / or specific group information is stored in the memory of the payment means, the payment terminal has a predetermined interface that can be linked with the payment means. Preferably, the payment terminal executes (or extracts) an application (or data) stored in the memory of the payment means to confirm corresponding purchase agreement information and / or a specific group information code, and the The confirmed purchase agreement information and / or the specific group information code may be provided to the payment means usage history extraction unit 140 of the server 100.

In addition, the process of providing the purchase agreement information and / or the specific group information code to the payment means usage history extraction unit 140 may be included in the payment approval text and the like and / or may be transmitted to a predetermined network (eg, an intranet or the Internet). , Dedicated network, etc.).

Preferably, the purchase history extraction unit 145 of the server 100 is the payment means usage history extraction unit 140 extracts the particular merchant and / or product purchase history from the payment means usage history of the specific group member. It is characterized by.

For example, if there is a specific group A having contract information as shown in FIG. 6, the payment means usage history extracting unit 140 of the server 100 may be configured to display the payment means usage history shown in FIG. 7. It is possible to extract the payment method usage details (darker portions in Fig. 7) of members of a specific group A.

And, the purchase history extraction unit 145 is a contract shown in Figure 6 of the payment means use history (dark portion in Figure 7) of the members of the specific group A extracted by the payment means usage history extraction unit 140, According to the information, the payment means usage history of the members of the specific group A in a particular affiliated store (eg, XX Mart) may be extracted separately (see FIG. 8).

Preferably, the total purchase information calculation unit 150 of the server 100 sums up the purchase details of a specific affiliate store (or product) extracted by the purchase history extraction unit 145, and for a specific period, a specific product of the specific group members. Computing the total purchase amount (or amount) and / or the total purchase amount information at a particular merchant.

At this time, the total purchase information calculating unit 150 in the process of calculating the total purchase amount (or amount) of the specific product and / or the total purchase amount information at a particular merchant, the total amount of purchase of the specific product for each particular group member (or Amount) and / or total purchase amount information at a specific affiliate store.

In addition, the total purchase information calculating unit 150 calculates the total amount (or amount) of purchase of a specific product and / or total purchase amount information at a specific affiliate store for each specific group member, and total purchase amount of a specific product of all the specific group members. (Or amount) and / or total purchase price information at a specific merchant, and the total purchase amount (or amount) of a specific product for each specific group member and / or total purchase price information at a specific merchant, and compare The purchase contribution for each specific group member may be further calculated with respect to the total purchase amount (or amount) of a specific product and / or the total purchase amount at a specific merchant.

For example, if the specific group promises to use “15,000,000 won” for “6 months” at “XX Mart”, and the total amount of use at the XX Mart is 15,000,000 won for 6 months of the specific group, the total purchase The information calculating unit 150 converts the usage amount of each member of the specific group to the total usage amount (15,000,000 won) as a percentage, so that the predetermined contribution amount occupied by the member to make the total usage amount ( %) Can be calculated.

In addition, when the total purchase information calculating unit 150 confirms the purchase price of the specific product, the product sold by the specific merchant is a single product (a merchant use amount = product purchase amount) and / or a specific product signed into a contract. This may include all cases (eg, gasoline, kerosene, diesel, etc.) sold by the merchant (a merchant use amount = product purchase amount).

In addition, it is specified that the specific product sales affiliate or the specific product purchase customer may provide directly to the server 100.

Preferably, the total purchase information comparison unit 155 may calculate the total amount (or amount) of purchase of a specific product of the specific group members and / or the total purchase amount information at a specific affiliate store calculated through the total purchase information calculation unit 150. And a specific product purchase amount (or amount) corresponding to the purchase agreement information previously stored in the storage medium 165 and / or total purchase amount information at a specific affiliate store.

Preferably, the incentive providing unit 160 according to the total purchase information comparison result of the total purchase information comparison unit 155, incentives corresponding to the incentive information previously stored in the storage medium 165 to the specific group member It characterized in that to provide.

Here, the total purchase information calculation unit 150 calculates the purchase contribution of each specific group member to the total purchase amount (or amount) of specific products and / or the total purchase amount at a specific affiliate store of all the specific group members. In this case, the incentive providing unit 160 may provide the incentive to the specific group member in response to the calculated contribution information.

In addition, the incentive providing unit 160 may transfer a predetermined discount amount corresponding to the incentive to the financial account of the specific group member or provide a negative settlement process in the payment amount of the specific group member. In addition, the incentive providing unit 160 may provide the incentive to the specific group member as points or miles.

Referring to FIG. 1, the server 100 includes a functional unit such as a receiver 125, a group establishing unit 105, an information providing unit 135, a purchase contract conclusion unit 110, and a determination unit 130. It can be configured to further include.

Preferably, the reception unit 125 of the server 100 may include specific period information, specific product (or specific merchant) information, specific amount information, specific payment means use restriction information, and group from a client who wants to establish a specific group. And receiving specific group joining condition information (refer to FIG. 5 specific group joining condition information data table) including at least one participation member qualification condition information and at least one group member limiting information.

Preferably, the group establishment unit 105 of the server 100 establishes a specific group targeting a specific product or a specific blind spot use client, and the receiver 125 receives from a client who wants to establish a specific group. Post specific group join condition information to a specific group (or a specific group webpage) to be established.

Preferably, the information providing unit 135 of the server 100, when a specific group is established through the group establishment unit 105, specific period information corresponding to the specific group and specific product (or specific affiliate store) information. And at least one predetermined web page on which specific group subscription condition information including at least one specific amount of money information, specific payment means use restriction information, group participation membership condition information, and group member restriction information is included. It is characterized by providing to the client.

Here, the receiver 125 may receive predetermined customer information and / or payment means information from at least one or more clients agreeing to the specific group subscription condition information provided by the information provider 135.

Preferably, the determination unit 130 of the server 100 receives predetermined customer information and / or payment means information from at least one or more clients agreeing to the specific group subscription condition information through the reception unit 125, Based on the received customer information, it is determined whether a condition of a client agreeing with the specific group joining condition information corresponds to the group participating membership qualification condition.

Preferably, the purchase contract conclusion unit 110 is characterized in that a predetermined purchase contract with the specific product sales company server or a specific merchant server based on the concluded purchase agreement information.

Here, the purchase contract concluded with the specific product sales company server or the specific merchant server is when the purchase of a certain amount of a certain amount of goods for a certain period of time with a specific payment means, and / or when the purchase amount of a certain amount of money from a specific merchant for a certain period of time with a specific payment means, It is preferable to include a purchase contract for providing a specific incentive from the specific product seller or a specific merchant.

In addition, according to Figure 1, the incentive providing system is characterized in that it comprises an information storage medium 165 for storing and managing predetermined information (or data) required to implement the present invention.

Here, the storage medium 165 is located in the financial company server 100 including the card company server 100 or the bank server 100, and / or the mobile communication company server 100, and / or the shopping mall server 100. And a plurality of clients included in a specific group or a representative client of the specific group, for a predetermined period of time, for a certain period of time, for a specific period of time, the specific group members purchase a certain amount (or a predetermined amount) of a specific product using a specific payment method, And / or a contract group information data file for storing information of a specific group which has concluded the contract and a contract conclusion information concluded with the specific group when the contract is concluded to purchase more than a certain amount at a specific merchant for a certain period of time. A contract conclusion information data file is provided.

Preferably, the agreement group information data file and the agreement information group is characterized in that the cooperative processing to store the data file.

In addition, the commitment group information data file is characterized in that further stores the customer information and / or member information of the clients belonging to the specific group.

In addition, the information storage medium 165 is a usage record information data file that stores the use of the specific product (and / or a specific merchant) of the particular group with the agreement and / or the specific group (or the agreement) And an incentive information data file for storing predetermined incentive information to be provided to the group member in response to the contract conclusion.

In addition, the information storage medium 165 may include an incentive information data file for storing predetermined incentive information to be provided to a specific group (or group member) that has concluded the agreement in response to the agreement, and the specific group that has concluded the agreement. (Or a group member) may further comprise an incentive offer details data file that stores incentive offer details provided in return for fulfilling the arrangement.

Preferably, predetermined information or data stored and managed through the storage medium 165 may be implemented through the embodiments shown in FIGS. 5 to 9. However, the embodiments shown in FIGS. 5 to 9 are provided to help a smooth understanding of the present invention.

Hereinafter, a preferred embodiment in which incentives are provided through the incentive system of FIG. 1 described above with reference to FIGS. 2 to 9 will be described.

Prior to the description of the embodiments, it should be understood that the embodiments described below are not limited to a particular form, but rather all modifications and equivalents within the spirit and scope of the invention as defined by the appended claims and It should be understood that it should be understood to include substitutes.

2 is a simple flowchart of a process of establishing a specific group according to a preferred embodiment of the present invention.

Figure 2 is an embodiment of a process for establishing a specific group to conclude a group purchase agreement with the server 100 in the process of providing incentives according to the present invention, the present embodiment is a client requesting the establishment of a specific group Can be started from the process of accessing the server 100 (200).

Preferably, the process of accessing the server 100 of the client may be accompanied by a validity authentication process including membership authentication of the client.

The receiving unit 125 of the server 100 receives specific group subscription condition information for a specific group to be established by the client from the client (205).

Referring to the data table embodiment of FIG. 5, the specific group subscription condition information for the specific group may include specific period information and / or specific product (or specific merchant) information and / or specific amount information and / or use of specific payment means. Information and / or group participation membership condition information and / or group member limitation information.

The group establishing unit 105 of the server 100 opens the specific group at the request of the client and stores the established specific group information in a predetermined storage medium 165 (210).

At this time, the server 100 may post specific group subscription condition information received through the receiver 125 to the specific group (or webpage) or provide it to predetermined clients (215).

If a predetermined client connects to the server 100 (220) and wants to join the specific group based on the specific group joining condition information (225), the receiving unit 125 of the server 100 receives a request from the client. The specific group join consent information and customer information and / or payment means information may be received (230).

Then, the determination unit 130 of the server 100 refers to the specific group subscription agreement information and the customer information and / or payment means information received by the reception unit 125 from the client, and requests the specific group subscription request client. It may be determined whether the condition of the condition satisfies the specific group joining condition (235).

If it is determined by the determination unit 130 that the condition of the specific group join request client does not meet the specific group join condition (240), the server 100 notifies the client of the specific group join impossible message. A notification may be made (245).

On the other hand, if it is determined that the condition of the specific group requesting client meets the specific group entry condition (250), the server 100 associates the client information with the specific group information to determine a predetermined storage medium 165. (255).

Then, according to the present invention, the server 100 may be configured to provide a certain amount (or a certain amount of a certain product by using a specific payment method for a certain period of time with a plurality of clients included in the specific group or a representative client of the specific group). Agreement to purchase more than a certain amount of money, and / or to purchase a certain amount of money at a particular merchant for a period of time.

In the purchase agreement conclusion process, the server 100 provides the specific period information, the specific product (or the specific merchant) information, the specific amount information, the specific payment means use restriction information, the group participation member qualification information, the group Specific group joining condition information including at least one member restriction information may be reconfirmed, and predetermined agreement for concluding the agreement may be obtained from the specific group members.

In addition, the group agreement information storage unit 120 of the server 100 stores the group agreement information concluded with a plurality of clients included in the specific group or the representative client of the specific group in association with the specific group information. Stored in medium 165 (260).

3 is a simple flowchart illustrating a process of storing a group purchase agreement with a specific group client (s) and storing corresponding incentive information according to the concluded group purchase agreement information according to a preferred embodiment of the present invention.

Referring to FIG. 3, after a specific group having specific group join condition information is established according to the process of opening a specific group of FIG. 2, the specific group client (s) and a predetermined group are formed in the server 100. It may be started from the process of entering into a purchase agreement (300).

A commitment to purchase a certain amount (or a certain amount) of a certain product by using a specific payment method for a certain period of time with the specific group client (s), and / or to purchase a certain amount of money at a certain merchant for a certain period of time When a predetermined group purchase agreement is concluded, the group agreement information storage unit 120 of the server 100 stores the group purchase agreement information concluded with the specific group client (s) in a storage medium 165 (305). ).

According to a preferred embodiment, the group agreement information storage unit 120 in the process of storing the concluded purchase agreement information in the storage medium 165, the customer information (or member information) of the specific group member and / Alternatively, the information may be stored in the storage medium 165 in association with the specific group information.

Referring to FIG. 6, a simple embodiment of specific group agreement information data stored in the storage medium 165 through the group agreement information storage unit 120 is illustrated.

In addition, according to a preferred method, the group agreement information storage unit 120 is a predetermined code (or applet) corresponding to the purchase agreement information and / or specific group information to a predetermined terminal (for example, PC, payment terminal, ATM, KIOSK, etc.) may be provided as a payment means owned by the specific group member.

Here, the predetermined code (or applet) corresponding to the purchase agreement information and / or the specific group information provided to the specific group member owned payment means is stored in a predetermined memory provided in the specific group member owned payment means. desirable.

According to a preferred embodiment of the present invention, the server 100 is to enter a predetermined purchase contract with a specific product sales company (or a specific merchant), the specific product sales company contract information entered into the specific group client (s) Provided to the server (or a specific merchant) (310).

In addition, the purchase contract conclusion unit 110 of the server 100 concludes a predetermined purchase contract with the specific product sales company (or a specific merchant) server based on the agreement information concluded with the specific group client (s). (315). In addition, the purchase contract conclusion unit 110 of the server 100 sets incentive provision condition information corresponding to the concluded purchase contract with the specific product sales company (or a specific affiliate store) server (320).

In this case, the incentive provision condition information is as shown in Figure 9 below, the specific group members purchase a certain amount (or a certain amount) or more of a certain product by using a specific payment method for a certain period and / or a certain at a certain merchant When purchasing more than the amount, it may include predetermined incentive information provided to the specific group members.

In addition, the incentive information storage unit 115 of the server 100 stores the incentive provision condition information set in response to the purchase contract concluded with the specific product sales company (or a specific affiliate store) server in the storage medium 165. (325).

4 is a simple flowchart of a process in which a predetermined incentive is provided according to a payment method usage of a specific group client (s) according to a preferred embodiment of the present invention.

4 is a group purchase agreement with a specific group client (s) through the process of FIG. 3, and according to the concluded group purchase agreement information, predetermined incentive information corresponding thereto is stored, and then the specific group client It is a simple embodiment of the process that the corresponding incentive is provided according to the payment means use history of the (s).

In the embodiment shown in Figure 4, the contract to purchase a certain amount (or a certain amount) more than a certain amount by using the server 100 and a specific payment means for a certain period, and / or a certain merchant at a certain period In operation 400, a specific group client having a predetermined group purchase agreement to purchase more than an amount may use the payment means.

When the payment means of the specific group clients are used through a predetermined terminal, the payment means using terminal transmits the payment means usage history of the specific group clients to the server 100 (405), the server 100 In operation 410, the payment means usage history information of the specific group clients is stored in a predetermined storage medium 165 from the payment means using terminal.

Referring to FIG. 7 below, details of payment means usage (eg, payment means information, payment means use merchant, payment means use amount, payment means use) of specific group clients that the server 100 receives from the payment means using terminal Date and time).

In order to provide incentives based on the payment means usage history of the specific group clients to specific group clients that have concluded a group purchase agreement with the server 100 according to the present invention (415), use of the payment means of the server 100 The details extracting unit 140 extracts details of payment means usage of the specific group member from the storage medium 165 as shown in FIG. 7 (420).

When the payment means usage history of the specific group member is extracted through the payment means usage history extractor 140, the purchase history extractor 145 of the server 100 uses the extracted payment means of the specific group member. A specific affiliate store (or product) usage history of the details is extracted as shown in FIG. 8 (425).

In addition, when a particular affiliate store (or product) usage history of the specific group member is extracted through the purchase history extractor 145, the total purchase information calculator 150 of the server 100 may extract the extracted specific group member. The specific merchant (or product) usage history of the sum is processed as shown in Figure 8 (430).

Then, the total purchase information calculating unit 150, based on the sum of the use of the specific affiliate store (or product) of the specific group member, the total purchase amount (or amount) of the specific product of the specific group members for a certain period and / or The total purchase amount information at a specific affiliate store is calculated (435).

According to a preferred embodiment, the total purchase information calculating unit 150 calculates the total purchase amount (or amount) of the specific products of the specific group members and / or the total purchase amount information at a specific affiliate store, for each specific group member. Calculating the total amount (or amount) of the specific product and / or the total amount of purchase at a particular merchant, and comparing the total amount of purchase of the specific item (or amount) and / or the total amount of purchase at a specific merchant. The total purchase amount (or amount) of a specific product by a specific group member and / or the total purchase amount information of a specific merchant is compared, and the total purchase amount (or amount) of a specific product of all the specific group members and / or the total purchase from a specific merchant. The purchase contribution for each specific group member may be further calculated.

Here, the purchase contribution information for each specific group member with respect to the calculated total purchase amount at the particular affiliated store may be predetermined basis data for providing an incentive to the specific group member through the following incentive providing unit 160. .

In addition, the total purchase information comparison unit 155 of the server 100 may include the total purchase amount information of the specific group members of the specific group members calculated by the total purchase information calculation unit 150, and the specific group members may be used. In operation 440, the total purchase amount information at the specific affiliated store corresponding to the purchase agreement information previously signed with the server 100 is compared.

Here, the total purchase information comparison unit 155 compares the calculated total purchase price information of the specific group members at a specific affiliate store with purchase agreement information, and the total purchase price of the specific group members at a specific affiliate store. If the information conforms to the pre-purchased purchase agreement information (total purchase price information included in the information) (445), the incentive providing unit 160 of the server 100 stores the incentive information previously stored in the storage medium 165. For reference, the incentive corresponding to the total purchase price information is provided to the specific group member.

Preferably, the total incentive providing unit 160 provides the incentive corresponding to the total purchase price information to the specific group member, so that the total purchase information calculating unit 150 corresponds to the total purchase price at the specific affiliated store. When the purchase contribution for each specific group member is calculated, the incentive may be provided to the specific group member in response to the calculated contribution information.

Here, the incentive provided to the specific group member may include points or miles, and in the providing process, transfer a predetermined discount amount corresponding to the incentive to the financial account of the specific group member, or It may be provided by processing the settlement (-) in the payment amount of the specific group members.

5 is a simple data model for specific group join condition information according to a preferred embodiment of the present invention.

Referring to FIG. 5, specific group subscription condition information for the specific group includes specific period information and / or specific product (or specific merchant) information and / or specific amount information and / or specific payment means use restriction information and / or group At least one participation member qualification condition information and / or group member restriction information may be included.

6 is a simple data model for specific group agreement information in accordance with a preferred embodiment of the present invention.

Referring to FIG. 6, in the server 100, a certain amount of a certain product (or a certain amount of goods) is used by a specific payment means for a certain period of time with a plurality of clients included in the specific group or a representative client of the specific group. And predetermined group agreement information data generated in the process of signing an agreement to purchase a certain amount or more at a specific merchant for a certain period of time.

As shown in FIG. 6, the group agreement information includes a specific group name, a specific group unique code (or ID), a specific group period, a specific merchant (or a specific product), a specific purchase amount, a specific payment method, and the like. It can be configured to include.

7 is a simple data model for payment means usage history information according to a preferred embodiment of the present invention.

Referring to FIG. 7, details of payment means usage (eg, payment means information, payment means using merchants, payment means using amount, payment means using date and time, etc.) of the specific group clients that the server 100 receives from the payment means using terminal. )

Here, in the case of providing an incentive according to the payment means usage history of the specific group clients to the specific group clients that have concluded the group purchase agreement with the server 100, the server 100 as shown in FIG. The member's payment method usage history may be extracted from the storage medium 165.

8 is a simple data model for total purchase price information according to a preferred embodiment of the present invention.

Referring to FIG. 8, after the payment means usage history information of the specific group member is extracted from the server 100 as shown in FIG. 7, a specific merchant (or product) among the extracted payment means usage history of the specific group member is extracted. ) Shows usage history information.

9 is a simple data model for incentive provision condition information according to a preferred embodiment of the present invention.

Referring to FIG. 9, the incentive provision condition information may be obtained when a specific group member purchases a certain amount or more of a certain amount (or a certain amount) by using a specific payment method for a certain period and / or purchases a certain amount or more at a specific merchant. It may be configured to include predetermined incentive information provided to the member.

According to the present invention, by entering into a certain agreement with a specific group for the use of a particular payment means and the purchase of a certain amount of a certain product and / or a specific merchant for a certain period, the payment means use history of the specific group members according to the group agreement information ( For example, by extracting the particular merchant and / or product purchase history, and providing incentives according to the sum of the payment means usage history of the specific group member, the business owner is a buyer (or user) based on a specific group of bonds. ) Can be secured.

In addition, through the conclusion of the agreement with the specific group, there is an advantage that can be secured sales and secured excellent customers.

In addition, by providing incentives that are differentiated according to the use of payment means, etc. for each specific group, there is an advantage that the sales increase can be brought about by using the payment means.

Claims (20)

Group agreement information storage means for storing the purchase agreement information presented by a plurality of clients in association with payment means information possessed by each of the plurality of clients and storing the purchase agreement information in a predetermined storage medium; On the basis of the concluded contract information, when a predetermined purchase contract is concluded with the specific product vendor or a specific affiliate store, predetermined incentive provision condition information corresponding to a purchase contract with the specific product vendor or a specific affiliate store is stored in a predetermined storage medium. Incentive information storage means for storing in; Payment means usage history extraction means for extracting a payment means usage history of the specific group member from a plurality of payment means usage history information using the specific payment means for a predetermined period of time; A specific affiliate store (or product) purchase history extracting means for extracting the specific affiliate store and / or product purchase history from the extracted means for using the payment method of the specific group member; Total purchase information calculating means for summing up the extracted specific affiliated store (or product) purchase details and calculating total amount of purchase (or amount) of specific products and / or total purchase amount information at a specific affiliate store for a predetermined period of time; The calculated total purchase amount (or amount) and / or total purchase amount information of the specific group members and / or specific purchase amount (or amount) and / or corresponding to the purchase agreement information previously stored in the storage medium. Total purchase information comparing means for comparing total purchase amount information at a specific affiliated store; And And an incentive providing means for providing the specific group member with an incentive corresponding to the incentive information previously stored in the storage medium according to the comparison result of the comparing of the total purchase information. The method of claim 1, Participate in a specific group including at least one specific period information, specific product (or specific merchant) information, specific amount information, specific payment method usage restriction information, group participation membership condition information, and group member restriction information. Information providing means for providing a predetermined web page including the condition information to at least one client; And information receiving means for receiving predetermined customer information and / or payment means information from at least one or more clients agreeing to the specific group subscription condition information. The method of claim 1, On the basis of the concluded purchase agreement information, incentive providing system characterized in that it further comprises a purchase contract conclusion means for entering into a predetermined purchase contract with the specific product sales company server or a specific merchant server. The purchase contract of claim 3, wherein the purchase contract is concluded with the specific product sales company server or the specific merchant server. A purchase contract that provides a specific incentive at a particular product vendor or a particular merchant when a particular product is purchased for a certain amount or more for a certain period of time with a particular payment method, and / or when a certain amount of purchase is made for a certain amount of money for a certain period of time with a specific payment method. Incentive providing system, characterized in that made. The client according to any one of claims 1 to 2, wherein the client, Incentive providing system comprising a wired or wireless terminal. The method of claim 1, wherein the group agreement information storage means, And processing the concluded purchase agreement information in association with the customer information (or member information) of the specific group member to further store in the storage medium. The method of claim 1, wherein the group agreement information storage means, And processing the concluded purchase agreement information in association with the specific group information to further store in the storage medium. The method of claim 1, wherein the predetermined incentive providing condition information stored in the incentive information storage unit, When a certain group member purchases a certain amount (or a certain amount) or more of a certain product using a specific payment method for a certain period and / or purchases a certain amount or more at a specific merchant, An incentive providing system comprising predetermined incentive information provided to the specific group member. The method of claim 1, wherein the payment means usage history extraction means, By using the payment means information included in the payment approval message transmitted by a predetermined payment terminal and the payment means information of a specific group member previously stored in the storage medium, using the payment means of the specific group member among a plurality of payment means usage details information. Incentive providing system, characterized in that for extracting the details. The method of claim 1, wherein the total purchase information calculating means, An incentive providing system for calculating specific product total purchase amount (or amount) and / or total purchase amount information at a specific affiliate store for each specific group member. The method of claim 1, wherein the total purchase information calculating means, Calculating the total purchase amount (or amount) of a specific product and / or the total purchase amount information at a specific affiliate store for each specific group member, and the total purchase amount (or amount) of a specific product of all the specific group members and / or the total amount at a specific affiliate store The total purchase amount (or amount) of a specific product for each specific group member and / or the total purchase amount information of a specific merchant, compared to the purchase amount information, and the total purchase amount (or amount) of a specific product for all the specific group members and / or the specific amount Incentive providing system, characterized in that further calculating the purchase contribution for each particular group member to the total purchase amount at the merchant. According to claim 1, The incentive providing means, When calculating the total purchase amount (or amount) of a specific product of all the specific group members and / or the purchase contribution for each specific group member to the total purchase amount at a particular merchant, And providing the incentive to the specific group member in response to the calculated contribution information. According to claim 1, The incentive providing means, Transfer a predetermined discount amount corresponding to the incentive to the financial account of the specific group member; or Incentive providing system, characterized in that provided by processing the settlement (-) in the payment amount of the specific group members. According to claim 1, The incentive providing means, Incentive provision system, characterized in that to provide the incentives to the specific group members as points or miles. The method of claim 1, wherein the payment means, An incentive providing system comprising at least one of a credit card, a debit card, a prepaid card, a check card, an electronic money, and a mobile payment means. The method of claim 1, wherein the specific product, Commodities of the type including petroleum products, including gasoline, kerosene, diesel, and / or An incentive providing system comprising an intangible service product including at least one of the accommodation products provided by the accommodation facility, the travel products provided by the travel agency, and the insurance products provided by the insurance company. The method of claim 1, wherein the affiliated store, It includes at least one oil refiner that sells petroleum products, a large discount mart, a large store such as a department store, a restaurant, a lodging company such as a hotel, a travel agency that sells travel products, and an insurance company that sells treasured goods. Incentive providing system, characterized in that. The method of claim 1, wherein each of the means, Incentive providing system, characterized in that located in a financial company server, a mobile carrier server, a shopping mall server, a bansa server, including a card company server or bank server. The method of claim 1, wherein each of the means, On a single server, or Incentive providing system, characterized in that provided in a plurality of separate servers. A recording medium comprising a program for executing a function of the system constituting means of any one of claims 1 to 14.

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