KR20010078847A - Method for Providing Payment Service with Personal Digital Assistant Using Reserved Money - Google Patents

Abstract

PURPOSE: A method for offering a payment service on a PDA(Personal Digital Assistant) using accumulated money is provided to improve a use degree of the accumulated money and the PDA, by supplying a coupon and a bar code to the PDA, and enabling payment of a product and service using the coupon and the bar code. CONSTITUTION: The coupon and the bar code are displayed on the PDA(S500). A clear button on the PDA is clicked so that validity of the coupon and the bar code can be checked(S501). When the clear button is clicked, the PDA is connected to a web server automatically(S502). The web server determines whether the coupon and the bar code are valid(S503). If the coupon and the bar code are not valid(S504), this information is sent to the PDA(S505). If the coupon and the bar code are valid and thereby the payment of the product is made, a code number database is updated(S506). A payment money database of an allied company is also updated(S507). A used coupon is deleted from the PDA automatically after the payment(S508).

Description

Method for Providing Payment Service with Personal Digital Assistant Using Reserved Money}

The present invention relates to a payment service providing method of paying on a PDA using the reserve, and more specifically, to utilize the reserves that are paid to the user when viewing advertisements on the Internet or the like that are credited to offline credit cards. The present invention relates to a method for providing a service payment means such as a coupon or a barcode to a PDA and using the provided payment means to use a product for offline purchase.

The Internet was initially used as a means of sharing information or providing information. However, as the Internet is rapidly spreading in recent years, the Internet is not limited to this purpose but is being used for various purposes such as content provision, e-commerce, and advertisement. The used business is becoming more important business than offline.

The most common revenue model using the Internet is advertising. Advertisements on the Internet are most commonly carried out by placing banner ads on common content sites, and they are made in such a way that they specialize in advertising, receive money from advertisers, and earn a certain amount of money for users who see the advertisement. . In addition to the case of advertising, depending on the degree of use of the service, a certain amount of points are often earned.

As such, granting reserves according to the degree of use of advertisements or services on the Internet is now becoming a general site operation method. In addition, reserves are often accumulated not only online, such as the Internet, but also on credit cards. However, there are very limited ways to use the accumulated amount. For example, the amount earned by viewing an advertisement is used as a purchase price for a product on an e-commerce site linked to an advertisement site, or when a certain amount is accumulated, the amount is converted into an actual amount.

However, since most of these reserves are small amounts, it is very cumbersome to exchange them into actual amounts, and it is often not appropriate to use them as a purchase price for products.

Because of this problem, many users do not utilize this even if they have accumulated a large number of reserves, and often the meaningless accumulation is continued.

On the other hand, PDA is a general term for a small device having a calculation, information storage and retrieval function for personal or business use, it is used to maintain a schedule calendar and address book information. PDAs are being enhanced as small computers, and in recent years, PDAs that combine network access and cellular phone functions have emerged.

PDAs are very few researches on how to use them for devices other than mobile phones or information storage and retrieval.

In the present invention, in order to solve the problems of the prior art as described above, provides a coupon or a barcode that can be used for companies affiliated with the accumulated funds through the reserve sites, such as advertising sites or offline, to the user PDA In order to make payments for goods or services by showing the coupons or barcodes provided by the user to the clerk, a payment service providing method for payment on the PDA using a reserve amount and a reserve to increase the utilization of the PDA is provided. I would like to suggest.

1 shows an example of a system configuration used for the preferred embodiment of the present invention,

2 is a flowchart illustrating a process of applying a payment means by a user using a PDA and providing a payment means applied by a web server according to a preferred embodiment of the present invention;

3 is a flowchart illustrating a process of a user applying for a payment means using a PDA and providing a payment means applied from a web server according to another embodiment of the present invention;

4 is a flowchart illustrating a process in which a user applies for a payment means using a PDA and provides a payment means applied in a web server according to another embodiment of the present invention;

5 is a flowchart illustrating a payment process using the received payment means according to an embodiment of the present invention;

6 is a flow chart for a process of applying for and providing the lottery so that the user can utilize the reserves to purchase the lottery,

7 illustrates an example of a coupon generated by the coupon generator and provided to the user PDA;

8 illustrates an example of a barcode generated by the barcode generator.

9A illustrates an example of a lottery generated by the lottery generating unit, and FIG. 9B illustrates an example in which a winning and a winning amount are shown by scraping a lottery downloaded to a PDA.

In order to achieve the object as described above, the payment service providing method for payment on the PDA using the reserve according to the present invention integrates the user's reserves accumulated in a plurality of companies that provide reserve services on a predetermined basis and the database (A) storing in the; (B) providing a menu for selecting a type of payment means, a company to use the payment means, and a price when the user requests a request for payment means by accessing a web server using a wireless Internet function of the PDA; Determining whether the user's reserves are sufficient, generating a payment method suitable for the item selected by the user in step (b), and assigning a code number for identifying the generated payment method (c); (D) providing a user with the payment means generated in step (c); When the user uses the payment means provided in the step (d), it characterized in that it comprises the step (e) of checking the validity of the payment means, and after the payment, the payment means stored in the PDA.

The payment means is generated as an image file, characterized in that it comprises a coupon, barcode or lottery.

The coupon or barcode generated as the image file displays information on the company, the price and the deadline, and checks the validity of the coupon or the barcode and automatically deletes it from the PDA when making a payment. .

The application of the payment means in step (b) is characterized in that the user's PDA has an application icon to automatically transmit the user's request information and authentication information when the application icon is clicked.

The application of the payment means in the step (b), characterized in that the application by sending an e-mail containing information on the type of payment means, the company to be used, the price, due date and user authentication information to be applied for the user It is done.

Providing the payment means in the step (d) is characterized in that the payment means generated in the connection maintenance state is directly transmitted using the Internet, or the generated payment means attached to the e-mail.

In the step (e), the validity of the payment means, at the time of payment transmits the code number and payment means information and user information assigned to the payment means to the web server, the matching of the information stored in the database and the information transmitted from the web server Check whether it is, characterized in that it is made by determining whether or not the payment method already used.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the payment service providing method for payment on the PDA using the reserve according to the present invention.

1 shows an example of a system configuration used for the preferred embodiment of the present invention.

As shown in FIG. 1, the system for implementing the present invention includes a user authentication unit 11, a database manager 12, a coupon generator 13, a barcode generator 14, and a lottery generator 15. It includes a web server 10 including the payment management unit 16 and the reserve integration unit 17, the user database 18, the code number database 19.

In FIG. 1, the web server 10 is connected to servers of sites providing reserves and servers 20 of companies providing reserve services offline and the Internet 20 or other networks, and offers coupons provided by a web server. It is connected to the database 21 of the affiliated companies and the Internet or other networks so that payment can be made through a payment method such as a barcode.

The user connects to the web server 10 using the PDA 22, and the web server 10 transmits a coupon or barcode that can be used as a payment means to the user PDA, and is used by the user for payment. It determines whether the coupon or barcode is valid. The PDA 22 used in the present embodiment is provided with a wireless Internet access function, and a terminal capable of transmitting and receiving data by connecting to the Internet through a device in which a PDA and a mobile phone are combined or a touch screen function will also be included in the present invention. .

Looking at the role of the components provided in the web server 10 as follows.

When the user accesses the web server wirelessly by using the PDA 22, the user authentication unit 11 determines whether the connected user is a valid user who can use the service. User authentication is performed by determining the validity of the user ID and password transmitted through the user PDA (22). Since the web server 10 is connected to the web server 10 through the PDA 22, in addition to the user ID and password, the user may be authenticated through a unique number assigned to the PDA. The user authentication unit 11 transmits an authentication failure message to the user PDA 22 when the connected user is not a valid user who can use the service.

The database manager 12 provides a function of inquiring, updating and deleting information stored in the user database 18 and the code number database 19 connected to the web server. The storage targets of the user database 18 and the code number database 19 will be described later.

Coupon generation unit 13 serves to generate a coupon for the user to use for payment. 7 illustrates an example of a coupon generated by the coupon generator 13 and provided to the user PDA.

As shown in Figure 7, it is preferable to display the price of the coupon and the company and the expiration date that the coupon is used to generate the coupon. The displayed coupon price, company and due date can be selected by the connected user. The coupon generation unit 13 generates a corresponding coupon as an image file and transmits the received coupon to the user's PDA 22 when the user specifies a company, a price, and a deadline, and the received coupon is stored in the user's PDA, and the user pays when needed. Make it available as a means. Although not shown in the coupon shown in FIG. 7, when a coupon is generated, a unique code number is assigned to each coupon to record which kind of coupon is provided to which user.

According to a preferred embodiment of the present invention, as shown in Figure 7, when the coupon is generated, it is preferable to have a "delete" button that is automatically deleted from the PDA and confirm the validity of the coupon Do.

When the user shows the coupon downloaded to the clerk, the clerk clicks the delete button using a PDA pen. When the delete button is clicked, the web server 10 and the user PDA 22 are automatically connected, and the user PDA 22 transmits the code number, the price of the coupon, the company, and the like, to the web server. The web server 10 determines whether the coupon is valid using the received information. If the coupon is valid, payment is made and the coupon stored in the user's PDA is automatically deleted. In FIG. 7, the validity of the coupon is determined and deleted through the delete button, but a similar means will also fall within the scope of the present invention. Such a coupon may be usefully used for payment mainly in fast food restaurants.

The barcode generation unit 14 serves to generate a barcode to be used for payment by the user. While the coupon is mainly used for payment at a fast food store, the barcode is mainly used for purchasing goods at a convenience store.

8 illustrates an example of a barcode generated by the barcode generator.

As shown in FIG. 8, the bar code is displayed on the bar code and information on the company and the deadline for which the bar code is used, which can be directly selected by the user by accessing a web server.

The barcode generation unit 14 generates the barcode as an image file in a form designated by the user and transmits the barcode to the user PDA 22. The barcode is displayed on the PDA at the time of payment at the convenience store, and the barcode is displayed on the barcode of the clerk. Make a payment using a reader. As in the case of a coupon, a unique code number is assigned to the generated barcode so that it can be known which barcode is provided to which user.

In the case of a barcode, as shown in FIG. 7, it is preferable to automatically delete the barcode from the user PDA 22 when using the barcode, and to have a "delete" button so as to determine whether the barcode is valid. The process of checking the validity of the barcode and deleting it from the PDA when using the barcode is the same as that of the coupon.

The lottery generation unit 15 serves to generate a lottery ticket for the user when the user intends to use the reserve to purchase a lottery ticket, rather than using the reserve for payment of general goods. 9A illustrates an example of the lottery generated by the lottery generating unit 15, and FIG. 9B illustrates an example in which the winning and the winning amount are shown by scraping the lottery downloaded to the PDA. As shown in FIG. 9A, when the user applies for the lottery purchase with the remaining reserve, the lottery generating unit 15 generates an image file covering the information on whether the prize is won and the amount of the winning, like the general lottery. Transfer to PDA 22. As shown in FIG. 9B, the user may erase the portion of the downloaded lottery ticket and whether the winning amount is hidden by using a PDA pen or the like and know whether the lottery is won.

The payment management unit 16 determines the validity of the barcode or coupon used through the code number information transmitted from the user's PDA, etc., when the user pays the price using the provided barcode or coupon, and the affiliate database 21 In conjunction with the function to process the payment amount. When the payment is completed because the coupon or barcode is determined to be valid, the payment amount is stored in the database 21 of the affiliated company such as a fast food restaurant or a convenience store, and the payment management unit 16 connects to the database 21 to make the payment. It will handle the amount.

The reserve integration unit 17 integrates the reserves of each user transmitted from sites that provide reserves or credit card companies that provide reserves offline, and converts the reserves to the amount of the predetermined criteria. There are many online sites or offline companies that offer reserves, and one user often subscribes to multiple reserve providers. Here, the reserves include not only the reserves of the general meaning earned when viewing credit cards or advertisements, but also the concept of earning points accumulated according to the degree of service use. The reserve integration unit 17 is to sum all the reserves of a user through a social security number or a mobile phone number of the user from the reserve providing sites and offline companies affiliated. In addition, since the reserves of the reserve sites are various (for example, they may be paid in units of actual currency or in units of points), the reserves of each site may be converted to predetermined criteria. The amount earned on all affiliated reserve sites for a user can be combined. Affiliate reserve sites allow the web server to continuously provide the reserve user's reserve information.

The user database 18 stores general information such as a user's ID, password, and personal information and total reserve information calculated by the reserve integration unit. The reserve information is continuously updated according to the amount of user reserve information and reserves provided by affiliated reserve sites as a payment amount.

The code number database 19 stores a code number assigned to each coupon and barcode, payment means information related to the code number, and user information while generating a payment means such as a coupon or a barcode. For example, if you offer a coupon of '1234' to a user named 'A' for 10,000 won, the code number database includes coupon information (business, price, due date, etc.) related to the code number of '1234'. And the user information (ID, PDA unique number, social security number, etc.) granted the coupon is stored. The information stored in the code number database 19 is used when the user uses the coupon or barcode to determine whether the coupon or barcode used for payment is valid.

2 is a flowchart illustrating a process of a user applying for a payment means using a PDA and providing a payment means applied from a web server according to a preferred embodiment of the present invention.

According to a preferred embodiment of the present invention, it is preferable that the user PDA 22 is provided with an application icon for one-click connection to a web server. When the application icon is provided in the PDA, the user clicks the icon to access the web server 10 (S200).

When connecting to the web server 10, the PDA 22 automatically transmits the user's authentication information to the web server (S201). According to an embodiment of the present invention, a general user ID and password are transmitted as information for authentication. According to another embodiment of the present invention, since the connection to the web server is made through the PDA, the unique number assigned to the PDA may be registered in the web server, and the unique number of the PDA may be used as authentication information.

The web server 10 receives the authentication information transmitted from the PDA 22, and determines whether or not it is a valid user registered to use the service (S202).

If it is determined that the user is not a valid user, the web server transmits a message indicating that the login failed to the user PDA (S204).

If it is determined that the user is a valid user, the web server searches the user database 18 and converts the reserves of affiliated reserve sites on a predetermined basis to display the accumulated reserve information on the PDA, and the user selects any payment method among coupons, barcodes or lotteries. To provide a menu for selecting whether to apply for (S205).

The user selects a desired payment method from the provided menu (S206). This embodiment proposes a method of utilizing the reserves such as coupons, barcodes, lotteries, etc., but the use of the reserves through other payment means will also fall within the scope of the present invention. When the user selects a coupon or a barcode as a payment method, information about an amount, a company, a deadline, etc. may be specified.

If the user selects a payment method, and specifies the amount or information about the company to use the same, it is determined whether the user has enough reserves to apply for the payment method (S207).

If the user's reserves are insufficient, the reserves lack message is transmitted to the user PDA (S208).

If the user's reserves are sufficient, a payment means such as a coupon, a barcode, etc. applied by the user is generated (S209). As described above, according to a preferred embodiment of the present invention, the payment means is generated as an image file having a coupon or barcode form, and a code number is assigned to each payment means generated so as to confirm the validity of the payment. The assigned code number and payment means information and user information related to the code number are stored in the code number database.

When the payment means is generated, the web server transmits it to the user PDA (S210). According to an embodiment of the present invention, the web server directly transmits the payment means to the user PDA. According to another embodiment of the present invention, the web server may transmit the generated payment means attached to the mail. The transmitted payment method is stored in the user PDA and can be used if necessary.

3 is a flowchart illustrating a process in which a user applies for a payment means using a PDA and provides a payment means applied in a web server according to another embodiment of the present invention.

FIG. 2 illustrates a case in which a PDA has a payment method request icon and a user clicks on the icon to apply. In FIG. 3, a method and a method of applying for a payment method when the PDA does not have such a request icon are described.

When the application icon is not provided, as shown in FIG. 3, the web server is connected to the web server by the general wireless Internet access function of the user PDA (S300).

When the connection is completed, the web server provides a menu for inputting an ID and password for user authentication, and the user inputs an ID and password using a PDA (S301).

If it is determined that the user is not a valid user through the ID and password, a login failure message is transmitted to the user's PDA (S303). If it is determined that the user is a valid user, the web server searches the user database 18 to determine the reserves of affiliated reserve sites. Display the accumulated savings information converted to the standard on the PDA, and the user to provide a menu for selecting which payment method of the coupon, barcode or lottery (S304).

After the user authentication is made, the procedure of creating a payment method requested by the user and providing the same to the user PDA is the same as that of FIG. 2, and thus the detailed description thereof will be omitted.

4 is a flowchart illustrating a process in which a user applies for a payment means using a PDA and provides a payment means applied in a web server according to another embodiment of the present invention, according to another embodiment of the present invention. to be.

2 and 3 illustrate a case in which a user directly accesses a web server to apply for and receive a payment method, but FIG. 4 illustrates a case of applying for and receiving a payment method using e-mail.

As shown in FIG. 4, when using an e-mail, a user first creates an e-mail for applying for a payment method (S400). The user's application e-mail should contain information about the type, price, company, and time limit of the payment method, such as a coupon or barcode, and authentication information to prove that the user is valid.

The web server receives the user's application mail, authenticates the user through the contents of the mail, and grasps the specific application details (S401).

As a result of determining whether the user is a valid user through the authentication information described in the mail (S402), if the user is not a valid user, a user authentication failure mail is created and transmitted to the e-mail address of the user (S403).

If it is determined that the user is valid, the user database 18 determines whether or not the reserve is sufficient to provide the payment method requested by the user (S404).

If the reserve is insufficient, the mail is created to the effect that the lack of reserves to provide a payment method is sent to the user's email address (S405).

If the reserve is sufficient, the user generates a payment method (S406). As in the case of FIG. 2, the payment means is generated as an image file having a coupon or a barcode form, and a code number is assigned to each payment means generated to confirm the validity of the payment.

The generated payment means is sent to the e-mail address of the user who applied, and the user can download the payment means sent by e-mail to the PDA and use it when necessary (S407).

5 is a flowchart illustrating a payment process using the received payment means according to an embodiment of the present invention.

As shown in FIG. 5, the user first shows a payment means such as a coupon or a barcode stored in the PDA through the PDA (S500).

The clerk clicks on the "delete" button included in the payment means using a PDA pen or the like to check whether the payment method presented by the user is valid through the PDA (S501).

If the user clicks the "Delete" button, the user PDA is automatically connected to the web server (S502). When the user clicks on the "Delete" button to access the web server, the user's PDA transmits the code number assigned to the payment method to be used, information on the type, price, and deadline of the payment method, and user information.

The web server receives the information transmitted from the user PDA and determines whether the payment means to be used is valid (S503). Specifically, the web server determines whether the code number, payment method information, and user information transmitted from the PDA are consistent with the code number, payment method information, and user information stored in the code number database 19, and whether it has already been used. It is.

If the information transmitted from the PDA does not match the information stored in the code number database, or if the transmitted code number is already used, it is determined that it is not a valid payment method (S504). It transmits (S505). In this case, the user cannot make a payment with the payment means stored in the PDA.

If it is determined that the user's payment method is a valid payment method, the payment message is sent to the user PDA so that the payment is made, and the code number database is updated to reflect the information that the payment method of the corresponding code number is used (S506). ).

When the payment is made, the payment amount database 21 of the affiliated supplier is also updated to reflect the payment information so that the affiliate who makes the payment through the coupon or the barcode can later charge the payment amount to the service operator (S507).

In addition, to prevent the user from using the payment means already used, upon completion of payment, the used payment means is automatically deleted from the user PDA (S508).

Figure 6 shows a flow chart for the process of applying for and provide the lottery, so that the user can utilize the reserves to purchase the lottery.

In FIG. 6, since the user accesses the web server to perform user authentication (S600 to S604), the process is the same as that of FIG. 2, and thus a detailed description thereof will be omitted.

When the user authentication is completed, the user clicks on the displayed menu and requests to use the reserve to purchase the lottery (S605).

The web server determines whether the reserve is sufficient to allow the user to purchase the lottery by querying the reserve information of the database (S606).

If the reserve is insufficient, a lack of reserve message is sent to the user's PDA (S607), and if the reserve is sufficient, a lottery ticket is created. The lottery ticket is generated as an image file like a coupon or a barcode, and is preferably generated as an image file that hides information on whether the prize is won or the amount of the prize. At this time, the code number database 19 stores the number of the generated lottery ticket, information on whether or not to win and the winning amount.

The generated lottery ticket is transferred to the user PDA and stored in the PDA memory (S609). The user can confirm this by erasing the part of the winning and the winning amount using a PDA pen (S610).

If the transmitted lottery is won, the user requests the payment of the winning amount using the lottery number, and the web server searches the stored contents of the code number database and pays the user if the lottery number and the winning amount match. S611).

As described above, according to the payment service providing method of paying on the PDA using the reserve according to the present invention, there is an advantage that can be used for payment in fast food stores or convenience stores in a number of reserve sites. In addition, by improving the point that the PDA is used only for storing or retrieving information, there is an advantage that the PDA can also be used as a payment means. Such a payment method may induce a user's curiosity and contribute to the increase in sales of the PDA, and has the advantage of actively attracting members from the point of view of the reserve site. In addition, even offline companies such as fast food stores and convenience stores can be actively attracted members due to the easy membership registration process through the PDA, and since the member's reserves can be easily integrated and managed online and offline, there is an advantage for everyone.

Claims (7)

(A) integrating the user's reserves stored in a plurality of companies providing the reserve service on a predetermined basis and storing them in a database; (B) providing a menu for selecting a type of payment means, a company to use the payment means, and a price when the user requests a request for payment means by accessing a web server using a wireless Internet function of the PDA; Determining whether the user's reserves are sufficient, generating a payment method suitable for the item selected by the user in step (b), and assigning a code number for identifying the generated payment method (c); (D) providing a user with the payment means generated in step (c); If the user uses the payment means provided in the step (d), after confirming the validity of the payment means, the payment, and deleting the payment means stored in the PDA (e) Payment service providing method of payment on PDA using. The method of claim 1, The payment means is generated as an image file, the payment service providing method for payment on the PDA using the reserve, characterized in that it comprises a coupon, barcode or lottery. The method of claim 2, The coupon or barcode generated as the image file displays information on the company, the price, and the deadline, and checks the validity of the coupon or barcode and automatically deletes it from the PDA at the time of payment. How to provide a payment service to pay on the PDA using the reserve. The method of claim 1, Application of the payment means in step (b), Method of providing a payment service on the PDA using the reserve, characterized in that the user's PDA with an application icon, to automatically send the user's request information and authentication information when the application icon is clicked. The method of claim 1, Application of the payment means in step (b), Providing a payment service on a PDA using a reserve, characterized in that the application is sent by sending an e-mail containing information on the type of payment method, the company to be used for the payment method, the price, the due date, and user authentication information. Way. The method of claim 1, Providing the payment means in step (d), Method of providing a payment service for payment on a PDA by using the reserve, characterized in that the transmission means generated in the state of the connection is directly transmitted using the Internet, or the generated payment means attached to the e-mail. The method of claim 1, Checking the validity of the payment means in step (e), When the payment is made, the code number assigned to the payment method, payment method information and user information are transmitted to the web server, the web server checks whether the transmitted information matches the information stored in the database, and checks whether the payment method has already been used. The payment service providing method of making a payment on a PDA using the reserve, characterized in that the determination is made.