KR101978857B1 - Method and apparatus for purchase payment based on coupon - Google Patents

Abstract

A coupon-based purchase payment method and apparatus are disclosed. The coupon-based purchase payment method includes a step of registering a supply item by a supplier apparatus, a step of a coupon issuing apparatus selecting a supply article to produce a sale article, and a step of coupon issuing apparatus issuing a coupon for a sale article can do.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a coupon-

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a purchase payment method and apparatus, and more particularly, to a coupon-based purchase payment method and apparatus.

The coupon market has evolved from existing offline coupons to online coupons, and companies' coupon strategies have also diversified.

There are significant economic benefits and psychological benefits in the benefits of using coupons. Economic benefits are the most basic benefits of coupons, and many studies suggest that the discount rate has a positive effect on coupon use propensity and coupon use attitude. Psychological benefits are psychological factors such as the pleasure of using coupons and the pride of being smart consumers.

The consumer compares the coupon use cost with the coupon use benefit and uses the coupon when the coupon use benefit is greater than the coupon use cost. Therefore, in general, the concept of coupon use benefit has been used as a psychological characteristic variable of consumers who have influence on coupon usage. The benefits of coupons can be conceptualized as the utility that consumers obtain after using coupons and can be measured as outcome variables rather than psychological influences.

The concept of the coupon between the consumer and the seller can be variously expanded, and the coupon can be defined and used so that the coupon can be utilized as various economic tools.

10-2009-0132181

One aspect of the present invention provides a coupon-based purchase payment method.

Another aspect of the present invention provides an apparatus for performing a coupon-based purchase payment method.

A coupon-based purchase price settlement method according to an aspect of the present invention includes a step of registering a supply item by a supplier device, a step of the coupon issuing device selecting the supply item to produce a sale item, And issuing a coupon for the item.

On the other hand, a coupon-based purchase price settlement method includes a step of the consumer device purchasing the sale item based on the coupon, a step of the consumer device paying for the sale item, To the supplier device in return for the supply item.

Further, the discount rate of the coupon may be determined in consideration of the price of the supply article, the price of the sale article, and the minimum margin rate of the coupon issuing device.

Further, the expiration date of the coupon can be determined in consideration of the expiration date of the item to be supplied and the expiration date of the item to be sold.

A coupon-based bill payment system according to another aspect of the present invention includes a supplier device configured to register a supply item, a selection device for selecting the supply item to produce a sale item, and issuing a coupon for the sale item And a coupon issuing device.

On the other hand, when the consumer device purchases the sale item on the basis of the coupon, the consumer device makes a payment for the sale item, and the coupon issuing device transmits a part of the money to the seller And paying to the supplier device.

Further, the discount rate of the coupon may be determined in consideration of the price of the supply article, the price of the sale article, and the minimum margin rate of the coupon issuing device.

Further, the expiration date of the coupon can be determined in consideration of the expiration date of the item to be supplied and the expiration date of the item to be sold.

According to the coupon-based purchase price payment method and apparatus according to the embodiment of the present invention, a user who wants to provide an article / service based on a coupon is first provided with a supply article for producing a sale article based on a coupon, And barter transactions (goods and coupon transactions) without cash and financial transactions between direct parties while trading materials.

1 is a conceptual diagram illustrating a coupon-based purchase payment system according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a coupon-based purchase payment method according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a coupon-based commodity trading method according to an embodiment of the present invention.
4 is a conceptual diagram illustrating a coupon-based article transaction method according to an embodiment of the present invention.
5 is a conceptual diagram illustrating a coupon-based commodity trading method according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the drawings.

In the coupon-based purchase payment method and apparatus according to the embodiment of the present invention, when an individual or a business person who can provide goods and services purchases a product or the like as needed, Or on the web (Web) can be requested to be issued and sold as a discount coupon than the normal price. A payment method for paying for the purchased product may be utilized for selling the discount coupon.

Currently, companies such as food service and service companies use cash, cards, installments (capital, etc.), rentals, etc. for goods, services and materials. In other words, companies are making credit transactions based on the payment methods provided by cash or the financial industry. However, credit transactions have to be financially financed at the upper end of the credit line.

However, the coupon payment method according to the embodiment of the present invention can enable barter transaction (article and coupon transaction) without direct cash and financial transaction between the parties while trading the goods and materials.

That is, the coupon payment method according to the embodiment of the present invention can perform settlement between B to B (business to business) as an article transaction method through coupon issuance.

1 is a conceptual diagram illustrating a coupon-based purchase payment system according to an embodiment of the present invention.

In Fig. 1, a coupon-based purchase payment system is disclosed in which a coupon issuer (or coupon issuing device) issues coupons to purchase necessary items.

Referring to FIG. 1, a coupon-based purchase payment system may include a coupon-based payment relay server 100, a coupon issuing device 120, a supplier device 140, and a consumer device 160.

The coupon-based payment relay server 100 may be implemented to provide an coupon-issuing application or coupon-issuing web service to the coupon issuing device 120. The coupon-based payment relay server 100 can receive a coupon-based supply item and sell the sales item based on communication with the coupon issuing device 120, the supplier device 140, and the consumer device 160.

The coupon issuing device 120 may be implemented to issue coupons. The coupon issuing device 120 may be a device for receiving a supply item from the supplier device 140 and for selling the sale item based on the supply item. The coupon issuer of the coupon issuing device 120 may issue a coupon to supply the supply item based on the coupon, and may sell the sales product based on the supply item to the consumer based on the coupon.

The coupon issued by the coupon issuing device 120 may include coupon related information such as coupon item information and coupon-based discount information. The coupon issued by the coupon issuing device 120 is provided to the consumer device 160, and the consumer can purchase the article based on the issued coupon.

The supplier device 140 may be a device of the supplier that provides the supply item to the coupon issuing device 120 based on the coupon issued by the coupon issuing device 120. [ The supplier device 140 can receive the payment for the supply item through the sales price of the product sold based on the coupon issued by the coupon issuing device 120. [

Consumer device 160 may be a device that purchases a sale item based on a coupon issued by coupon issuing device 120. [ As described above, the coupon issuing device 120 can proceed to sell the sale item based on the supply article supplied from the supplier device 140. [ The consumer device 160 can proceed to purchase the item to be sold and provide the purchase price to the coupon issuing device 120. [

That is, the coupon issuing device 120 can receive a supply item necessary for a specific product / service from the supplier device 140 based on the coupon, and can pay for the product sold to the consumer device 160 based on the coupon To the supplier apparatus 140 as a purchase cost for the public goods.

In this way, goods and materials can be traded, enabling barter transactions (goods and coupon transactions) without direct cash and financial transactions between the parties.

2 is a conceptual diagram illustrating a coupon-based purchase payment method according to an embodiment of the present invention.

2, a flowchart for coupon-based purchase payment is disclosed.

Referring to Figure 2, the supplier device 200 may register for a supply item for the production of a sale item.

The supplier device 200 can log in to the coupon-based payment relay server and register a supply item that can be supplied to the coupon-based payment relay server.

Coupon issuing device 220 can log in and retrieve a supply item necessary for producing a sale item, or a supply item necessary for providing service.

The coupon-based payment relay server can provide information on the various supply items registered by the supplier apparatus 200, and the coupon issuing apparatus 220 can search for the supply articles and search / determine the necessary supply articles.

The coupon issuing device 220 can request issuance of the discount coupon, request the issuance of the discount coupon, and proceed with the delivery request for the supply commodity.

The coupon issuing device 220 can receive the supply item from the supplier and proceed with the sale product / service based on the supply item.

The consumer device 240 may log in to the coupon-based payment relay server, log in to the coupon-based payment relay server, issue a coupon, and proceed payment for the coupon based on the coupon.

The consumer device 240 proceeds with settlement of the coupon-based sales item, and some of the payment for the sales item may be provided to the supplier device 200. [

3 is a conceptual diagram illustrating a coupon-based commodity trading method according to an embodiment of the present invention.

3, a coupon creation method by a coupon-based payment relay server is disclosed.

Referring to FIG. 3, the coupon-based payment relay server can determine a coupon discount rate, a coupon benefit, and the like considering the characteristics of the coupon issued by the coupon issuing device.

Particularly, a coupon-based payment relay server discloses a method for determining a coupon characteristic in consideration of a sale article price 300 / a supply article price 320.

The coupon-based payment relay server can determine a coupon-discountable range (coupon discount rate) based on the sales article price 300 and the supply article price 320.

Specifically, the coupon-based payment relay server can calculate the difference between the sales article price (A) 300 and the supply article price (B) 320.

The coupon discount rate can be determined based on the difference between the sales item price (A) 300 and the supply item price (B)

For example, the coupon issuing device can set a minimum margin rate. The minimum margin rate may be set to (difference between the price of the coupon applied to the sale item price (A) 300 and the supply article price (B) 320) / (the sale article price (A) 300) , The discount rate range of the coupon may be set so that the minimum margin rate is not less than the minimum margin rate.

In addition, even when there are a plurality of items to be supplied, the coupon-based payment relay server can determine the coupon discount rate, coupon benefit, and the like in consideration of the characteristics of the coupon issued by the coupon issuing device.

Specifically, the coupon-based payment relay server can calculate the difference between the sales item price A and a plurality of items to be supplied (a supply article price B, a supply article price C, and a supply article price D).

The discountable range can be determined based on the difference between the sales item price (A) and (the supply article price (B), the supply article price (C), and the supply article price (D)).

Likewise, the coupon issuing device can set a minimum margin rate. The minimum margin rate may be set to (difference between the price of the coupon applied and the price of the supply item (B) versus the price of the item of sale (A)) / (the price of the item of sale (A)), A range can be set.

When the range of the discount rate of the coupon is set, information on the possible discount rate range of the coupon can be transmitted, and the coupon issuing device can finally determine the coupon discount rate based on the information on the possible discount rate range of the coupon.

4 is a conceptual diagram illustrating a coupon-based article transaction method according to an embodiment of the present invention.

4, a coupon creation method by a coupon-based payment relay server is disclosed.

Referring to FIG. 4, the coupon-based payment relay server can determine the characteristics of the coupon issued by the coupon issuing device.

Specifically, the coupon-based payment relay server can determine the coupon characteristic in consideration of the characteristics of the article to be sold and the characteristics of the article to be supplied.

If there is a supply item shelf life 420, the shelf life product shelf life 400 may be set in view of the supply shelf life 420.

The coupon-based payment relay server can determine the coupon discount rate as described above with reference to FIG. 3, and the discount rate of the coupon can be changed in consideration of the sales article expiration date limit 400. [

For example, it can be assumed that the selling period of the article to be sold is 30 days.

The selling period of the 30-day sales item is divided into 10-day units, and the discount rate of the coupon can be reset every 10 days. This division of the time unit is an example, and the time available for sale can be divided in various other ways.

Specifically, the sales allowable period of 30 days can be divided into a first time unit, a second time unit and a third time unit in units of 10 days, and a first default discount rate is set in a first time unit, a second default discount rate is set in a second time unit, , And a third default discount rate may be applied in the third time unit. The discount rate may be increased as the first default discount rate, the second default discount rate, and the third default discount rate are changed.

The increase in the discount rate may be determined by considering the sales status of the sales item. For example, it may be determined whether or not the first default discount rate is maintained at the second time unit in consideration of the sales rate of the goods sold in the first time unit.

For example, if the sales rate of the goods sold in the first time unit is higher than the first threshold sale rate, the first default discount rate can be maintained in the second time unit. Conversely, when the sales rate of the goods sold in the first time unit is not higher than the threshold sale rate, the first default discount rate may not be maintained in the second time unit but may be changed to the second default discount rate.

That is, the discount rate may be changed in consideration of the sales trend of the sales product.

5 is a conceptual diagram illustrating a coupon-based commodity trading method according to an embodiment of the present invention.

5, a coupon generation method by a coupon-based payment relay server is disclosed.

Referring to FIG. 5, a change in the coupon discount rate considering the minimum margin set by the supplier apparatus is started.

In the coupon-based commodity trading method according to the embodiment of the present invention, if the transaction for the commodity generated based on the commodity is not performed over a certain amount, the supplier may not receive the commodity for the commodity.

Therefore, in the embodiment of the present invention, the supplier apparatus can adjust the discount rate of the sale item within a certain range in consideration of the sales trend of the sale article based on the supply article.

For example, it can be assumed that the coupon issuing device carries out sales for the sale item in a range of a minimum margin rate or more.

It may be determined whether the sale item has been sold more than a critical sales amount that can guarantee a minimum benefit to the supplier device (step S500).

If the sales item can not be sold by more than the threshold sales amount that can guarantee the minimum profit to the supplier device, the supplier device can be given the right to adjust the discount rate on the sale item in the range of the fixed adjustment (step S510). The adjustment range may be the first adjustment range to the second adjustment range based on the minimum margin rate.

The coupon rate adjustment by the supplier device can be performed (step S520).

The setting of the adjustment range may be performed such that the margin rate of the coupon issuing device due to adjustment by the first adjustment range to the second adjustment range is higher than the minimum margin rate.

That is, the supplier device can adjust the discount rate of the coupon provided by the coupon issuing device based on the first to second adjustment ranges.

If there are a plurality of supplier apparatuses and a plurality of supply articles, the adjustment range for each of the plurality of supplier apparatuses can be determined in consideration of the proportion of the price of the supply article in the sales article.

The above-described methods may be implemented in an application or may be implemented in the form of program instructions that may be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination.

The program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention and may be those known and used by those skilled in the computer software arts.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like.

Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. It will be possible.

Claims (8)

In a coupon-based purchase payment method,
Registering a supply item by a supplier device;
The coupon issuing device selecting the supply item to produce a sale item; And
And the coupon issuing device issues a coupon for the item to be sold,
Wherein the discount rate of the coupon is determined in consideration of the price of the supply item, the price of the product to be sold, and the minimum margin rate of the coupon issuing device,
Wherein the minimum margin rate is set to a value obtained by dividing a difference between a coupon applied price and a supplied commodity price by the price of the commodity,
The discount rate range of the coupon is set to be equal to or greater than the set minimum margin rate,
Wherein the expiration date of the coupon is determined in consideration of a shelf life of the article to be supplied and a shelf life of the article to be sold,
Wherein the shelf life of the item to be sold is divided into a plurality of lower periods,
The discount rate of the coupon is determined based on a plurality of default discount rates for each of the plurality of lower periods,
Each of the plurality of default discount rates is determined to be a relatively high value as the shelf life expires,
Wherein each of the plurality of default discount rates maintains a default discount rate in the previous lower period when the selling rate of the sales product in the previous lower period is higher than a preset threshold selling rate, The default discount rate is determined as a default discount rate that is relatively higher than the default discount rate in the previous lower period. The method according to claim 1,
The consumer device purchasing the sale item based on the coupon;
Paying for the item to be sold by the consumer device;
Wherein the coupon issuing device further comprises paying a part of the money to the supplier device in return for the supply item. delete delete A coupon-based purchase payment system,
A supplier device implemented to register a supply item; And
And a coupon issuing device, which is implemented to select the supply item to produce a sale item and to issue a coupon for the sale item,
Wherein the discount rate of the coupon is determined in consideration of the price of the supply item, the price of the product to be sold, and the minimum margin rate of the coupon issuing device,
Wherein the minimum margin rate is set to a value obtained by dividing a difference between a coupon applied price and a supplied commodity price by the price of the commodity,
The discount rate range of the coupon is set to be equal to or greater than the set minimum margin rate,
Wherein the expiration date of the coupon is determined in consideration of a shelf life of the article to be supplied and a shelf life of the article to be sold,
Wherein the shelf life of the item to be sold is divided into a plurality of lower periods,
The discount rate of the coupon is determined based on a plurality of default discount rates for each of the plurality of lower periods,
Each of the plurality of default discount rates is determined to be a relatively high value as the shelf life expires,
Wherein each of the plurality of default discount rates maintains a default discount rate in the previous lower period when the selling rate of the sales product in the previous lower period is higher than a preset threshold selling rate, The default discount rate is determined as a default discount rate that is relatively higher than the default discount rate in the previous lower period. 6. The method of claim 5,
Wherein the coupon-based purchase payment system comprises:
Further comprising a consumer device for purchasing the sale item based on the coupon and paying for the sale item,
Wherein the coupon issuing device pays part of the money to the supplier device in return for the supply item. delete delete

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