KR20020068945A - A Settlement System Using An Electronic Coupon Of A Handheld Phone - Google Patents

Abstract

PURPOSE: A paying system using an electronic coupon of a mobile phone is provided to enable a user to obtain information of a store easily by receiving an electronic coupon of a wanted advertisement through a mobile phone while the user is moving. CONSTITUTION: A personal information database unit(6) receives, stores, and searches data with respect to a transaction bank name, an account number, and a concerned business category of a user(1) having a mobile phone(2). A store information database unit(7) receives, stores, and searches data related to position information, attribute information, and a discount of a store(3). An extracting unit extracts a store(3) having attribute information data identified with interesting business category data of the user(1) out of the store information database unit(7). A transmitting unit makes data related to position information, attribute information, and a discount of the extracted store(3) be included in an electronic coupon and transmits the data to the mobile phone(2). An authentication unit receives a mobile phone number, a commodity store, a password, a coupon number from the mobile phone(2), judges an authentication or not, and transmits a judging result to the mobile phone(2). In the case that a transaction is achieved based on the received electronic coupon, an advertising cost database unit(8) calculates and accumulates a predetermined rate of a commodity price as an advertising cost. A personal accumulated database unit(9) calculates an account of money corresponding to the discount rate of the store(3) out of the commodity price, and stores/searches the discount amount according to each user(1).

Description

A Settlement System Using An Electronic Coupon Of A Handheld Phone}

The present invention relates to a postpaid payment system using an electronic coupon of a mobile phone, and more particularly, to receive only advertisement information predetermined by an individual at an arbitrary location, and to receive a discounted product price by using the same, and to pay the product price as a postpaid or debit payment. It relates to a payment system using the electronic coupon of the mobile phone to be paid.

As the performance of mobile devices such as cellular phones, mobile phones, PCS, PDAs, and Web Pads has been gradually developed, it is possible to wirelessly browse the Internet or perform SMS service on the go. Therefore, it is possible to receive stock information, weather information, advertisements on a mobile phone.

In addition, in areas where entertainment businesses are concentrated or other businesses, signs are placed on the roads, advertisement leaflets, or guest activities to promote their own businesses. By the way, the signboard on the road is illegal, and the production and distribution of advertising leaflets is a waste of a lot of materials, which is a great loss in the country.

Accordingly, efforts are being made to minimize advertising costs while maximizing the effect of advertising, and consumers are looking for a place where the same goods or services can be provided at a discounted price.

Accordingly, the present invention has been made to solve the above problems, the first object of the present invention is that each individual can easily obtain information about the mall or business by receiving the electronic coupon of the desired advertisement on the mobile phone. It is to provide a payment system using an electronic coupon of a mobile phone.

A second object of the present invention is to provide a payment system using an electronic coupon of a mobile phone that can be used to purchase goods and receive services at low cost by purchasing goods using a received electronic coupon and receiving a predetermined discount.

It is a third object of the present invention to provide a payment system using an electronic coupon of a mobile phone that can reasonably pay an advertising fee in proportion to the effect of the advertisement because the establishment pays the advertising fee in deferred payment.

A fourth object of the present invention is to provide a payment system using an electronic coupon of a mobile phone that can increase profits by sending an electronic coupon to a mobile phone user and receiving an advertisement fee in proportion to a transaction from a business.

A fifth object of the present invention is to provide a payment system using an electronic coupon of a mobile phone, which enables the post-payment of goods prices by various means such as cash, credit card, debit card, mobile phone billing amount.

The object of the present invention as described above, and receives and stores the data about the bank name 17 and account number 19 and the business of interest (29, 30) of each person (1) with a mobile phone (2) Personal information database means 6 which can be retrieved; Business information database means (7) capable of receiving, storing and retrieving location information (49, 50, 51, 52), property information (54, 56. 58) of the business (3), and data related to a discount; Evict the business information database means 7 to expel the business 3 in which the attribute information 54, 56, 58 of the business 3 data and the business 29, 30 data of interest of the individual 1 coincide with each other. Way; Location information (49, 50, 51, 52), attribute information (54, 56. 58) of the business 3 expelled by the eviction means and data related to the discount are included in the electronic coupon to the mobile phone (2). Transmitting means (4) for transmitting; Authentication means (4) for receiving a mobile number, article price, password and coupon number of the store (3) from the mobile phone (2) to determine whether to authenticate and transmit the determination result to the mobile phone (2); Advertisement cost database means (8) for calculating and earning a certain percentage of the article price as an advertisement fee when a transaction is made based on the electronic coupon received by the cellular phone (2); The electronic device of the mobile phone comprising a personal database means (9) which calculates the amount corresponding to the discount rate (60) of the business (3) of the article price as a discount amount and stores and searches for each individual (1). It can be achieved by a payment device using a coupon.

In addition, it is preferable that some messages of the electronic coupon are transmitted by short text service (SMS), and the remaining messages of the electronic coupon are transmitted by ARS or wireless application protocol (WAP).

In addition, the object of the present invention as described above, each individual (1) mobile phone number (15), the name of the bank (17), account number (19), industry of interest (29, 30) and discount method (27) Register the user by inputting the relevant data, and the advertiser 3 of each business places data related to the location information (49, 50, 51, 52), the attribution information (54, 56. 58) and the discount of the business (3). Preparing to register the member by inputting (S100, S200); Evicting a business (3) in the business information database (7) in which the property information (54, 56, 58) data of the business (3) and the business (29, 30) data of interest of the individual (1) match; Transmitting the location information (49, 50, 51, 52), attribute information (54, 56. 58) and discount related data of the evicted store (3) to the mobile phone (2) by including them in the electronic coupon ( S400); When the goods transaction is made on the basis of the electronic coupon, the mobile phone number through the mobile phone (2) to the advertising agency (4) by transmitting a mobile phone number, the article price, the password and coupon number of the store (3) to authenticate (S600) ); And when the individual 1 pays the product price by a postpaid payment means, a certain percentage of the product price is remitted to the advertising agency 4 as an advertisement cost, and the discounted product price is sent to the advertiser 3. It can also be achieved by the payment method using the electronic coupon of the mobile phone, characterized in that it comprises the step of remittance, the remittance of the discount to the individual (S700).

And, in the preparation step (S100, S200), the industry of interest (29, 30) of the individual (1) is selected from a predetermined list of industries, the industry list is a list of interests consisting of each industry 29 and each of the industry It is possible to be made of a list of industry-specific sub-category 30 determined for each industry of interest (29).

In addition, during the preparation steps (S100, S200), the location information of the business (3) includes data about the administrative address (49, 50, 51) and the detailed location 52 indicating the geographical location, the attribute The information is selected from an industry list 54 of each industry and a detailed industry list 56 defined for each industry 54, and includes an advertisement phrase 58. The data related to the discount is a discount rate 60. More preferably, the data 62, 64, sex 70, and password 72 related to the discount period are included.

In addition, the authentication step (S600), the article price input to the mobile phone (2), the advertiser (3) to enter a password (S610, 620); Transmitting a mobile phone number, an article price, a password and a coupon number of the store (3) to the advertisement agency (4) (S630); Receiving, by the server of the advertising agency 4, a mobile number, an article price, a password and a coupon number of the store 3, searching for a mobile number and confirming a password (S640); Calculating a discount amount by multiplying the product price by a discount rate (S650); And transmitting a confirmation message to the mobile phone 2 (S660).

The post-payment means is a cash or debit card, the remittance step (S700), the individual (1) pays the goods price to the business (3) (S711), the server of the advertising agency (4) for a certain period Sending data requesting a predetermined discount amount and an accumulated amount of advertising expenses from the product price and the discount rate to the store 3 every time (S713); When the discount amount and the advertising fee are received from the business 3, the server of the advertising agency 4 deposits the discount amount to the designated bank 17 and the account number 19 of the individual 1 (S715). ); And it is possible to include a step (S717) for transmitting the deposit confirmation message to the mobile phone number 15 of the individual.

And, the post-payment means is the mobile phone (2), the remittance step (S700), the advertising agency (4) transmitting the goods purchase data and authentication data to the communication company (S721); Billing, by the telecommunications company, an article price for an account of the corresponding mobile number (S722); When the charged mobile phone fee is paid (S723), the telecommunication company transmits the discounted amount and the advertising cost to the advertising agency (4) (S724); The advertising agency 4 sends the discounted amount to the designated bank 17 and the account number 19 of the individual 1 (S725); Transmitting a deposit confirmation message to the mobile phone number 15 of the individual (S726); The telecommunication company may also include a step (S727) of transferring the discounted goods price to the business (3).

And, the post-payment means is a credit card, the remittance step (S700), the step of paying the price of goods using the data of the credit card (S731); The credit card company 5 subtracting the discount amount and the advertising cost from the payment amount (S732); The credit card company 5 remitting the discounted amount and the advertising fee to the advertising agency 4 (S733); The advertising agency (4) remitting the discount amount to the designated bank (17) and account number (19) of the individual (1) (S734); Transmitting a deposit confirmation message to the mobile phone number 15 of the individual (S735); The credit card company 5 may also include the step (S736) of transferring the discounted goods price to the business (3).

And, the post-payment means is a credit card, the remittance step (S700), the step of paying the price of goods using the data of the credit card (S741); Inputting the paid sales approval number into the mobile phone (2) and transmitting it to the advertising agency (4) (S742); The advertising agency (4) is the step of receiving the remittance billing the credit card company the advertising number, the discount amount and a predetermined rate (S743); The advertisement agency 4 remitting the discounted amount to the designated bank 17 and the account number 19 of the individual 1 (S744); Transmitting a deposit confirmation message to the mobile phone number 15 of the individual (S745); The credit card company 5 may also include a step (S736) of remitting the price of the goods with the discounted amount and the advertising cost reduced to the business (3).

Other objects, specific advantages and novel features of the present invention will become more apparent from the following detailed description and the preferred embodiments associated with the accompanying drawings.

1 is a configuration diagram for explaining a payment system using an electronic coupon of a mobile phone according to the present invention;

2 is an overall flowchart of a payment method using an electronic coupon of a mobile phone according to the present invention;

FIG. 3 is a schematic window diagram used when each individual 1 wishes to register as a member through the Internet.

4 is a schematic window diagram used when each business 3 wants to register as a member through the Internet.

5 is a state diagram sequentially showing a part of the electronic coupon transmitted by the SMS method and the contents and the method of using the electronic coupon transmitted by the ARS method according to the first transmission embodiment of the present invention.

FIG. 6 is a state diagram sequentially illustrating a portion of an electronic coupon transmitted by an SMS method and an electronic coupon transmitted by a wireless application protocol (WAP) method according to a second transmission embodiment of the present invention, and a method of using the same; FIG.

FIG. 7 is a flowchart illustrating the authentication step S600 of FIG. 2 in more detail;

8 is a flowchart illustrating a method of making a cash payment according to a first payment embodiment of the present invention;

9 is a flowchart illustrating a method of making a mobile phone payment according to a second payment embodiment of the present invention;

10 is a flowchart illustrating a method of making a mobile phone payment according to a third payment embodiment of the present invention;

11 is a flowchart illustrating a method of making a credit card payment according to a fourth payment embodiment of the present invention;

12 is a flowchart illustrating a method of making a credit card payment according to a fifth payment embodiment of the present invention;

13 is a flowchart illustrating a method of making a credit card payment according to a sixth payment embodiment of the present invention.

<Short Description of Main Reference Signs>

1: individual (consumer), 2: mobile phone,

3: advertiser (business), 4: advertising agency (server device),

5: credit card company, 6: personal information database,

7: business information database, 8: advertising costs database,

9: private fund database.

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

1 is a block diagram illustrating a payment system using an electronic coupon of a mobile phone according to the present invention. As shown in FIG. 1, an individual 1 moves an arbitrary area while owning a mobile phone 2 (hereinafter collectively referred to as a mobile phone) capable of communicating while moving, such as a mobile phone, a PCS, a PDA, a web pad, and a notebook. There is a characteristic.

The advertiser (or business) 3 is a subject that operates a restaurant such as a restaurant, a coffee shop, a beauty salon, a clothing store, a fashion accessory store, a record store, a game room, a book store, and the like.

The advertising agency 4 is a company in which an individual 1 or a business 3 is registered as a member and manages them as a whole, and operates a homepage (not shown) on the Internet. To this end, a server device (not shown) is provided, and a personal information DB 6, a business information DB 7, an advertisement fee DB 8, and a personal independence DB 9 are provided.

2 is an overall flowchart of a payment method using an electronic coupon of a mobile phone according to the present invention. As shown in FIG. 2, first, each individual 1 accesses a homepage (not shown) through the Internet, and then a mobile phone number 15, a bank name 17, an account number 19, and an industry of interest ( 29, 30) and the data on the discount method 27 is registered to register the member (S200).

Then, the advertiser 3 of each establishment also accesses the homepage (not shown) through the Internet, and then the location information 49, 50, 51, 52, the attribute information 54, 56. 58 of the establishment 3, Enter the data related to the discount and register (S100).

Next, the business information database 7 is searched for the business 3 in which the attribute information 54, 56, 58 of the business 3 and the data of the business 29 and 30 of the individual 1 match. Eject.

It is judged whether or not the data match by comparing the serial number of each item. This is because private and business lists are the same. In addition, in the case of the interest chain point 31, it is determined whether the interest chain point 31 and the business name 43 correspond to each other regardless of the contents of the business 29 or the business of interest 30 in detail.

Then, the location information (49, 50, 51, 52), attribute information (54, 56. 58) and the discount-related data of the evicted store (3) is included in the electronic coupon, and some of them are transmitted by SMS. The rest is transmitted to the mobile phone 2 by the ARS method or the WAP method. The transmission method will be described later.

Then, the individual 1 visits the business 3, purchases the goods, and presents the electronic coupon of the mobile phone 3. If the goods transaction is made on the basis of the electronic coupon, the mobile phone number, the product price, the password and coupon number of the store (3) to the advertising agency 4 through the mobile phone 2 is authenticated ( S600). Detailed procedures for certification will be described later.

Then, when the individual 1 pays the price of the article by post-payment means (for example, cash, mobile phone bill, credit card, debit card, etc.), a certain percentage of the article price (0.1% to 1) %) Is sent to the advertising agency 4 as an advertising cost, the discounted goods price is sent to the advertiser 3, and the discount amount (about 10% to 20%) is sent to the individual 1 (S700). ).

For example, if an item price is 10,000 won and the discount rate is 20%, the individual 1 purchases the item and pays 10,000 won. Then, the discounted amount is 2,000 won and advertising costs (for example, 500 won) to pay the advertising agency (4). Then, the advertising agency 4 will transfer the discount amount (2,000 won) to the individual (1).

In another embodiment of the present invention, the discounted amount may be paid postpaid. For example, the individual 1 pays only 8,000 won, and 500 won is transferred from the business to the advertising agency.

3 is a schematic window diagram used when each individual 1 wishes to join a member through the Internet.

As shown in Fig. 3, each individual 1 has his or her name 11, resident registration number 13, the number 15 of the mobile phone he owns, the bank name 17 for reimbursing the discount amount and the account number ( 19) input data regarding his / her address (21, 23, 25), credit card number (33) and debit card number (34), select discount method (27), and then enter his / her interest industry (29) The industry of interest (30), the chain of interest 31 will be selected.

The discount method 27 may select one of a bankbook charge, a mobile phone charge discount, or a cash discount. If you choose a passbook rate, the discount amount will be credited to the designated bank's account. If you select a mobile phone rate discount, the discount amount will be reduced from the use price in conjunction with the mobile carrier. If you choose a cash discount, you only need to pay the store 3 discounted prices.

The industry of interest 29 is predetermined by the website operator and provided in the form of a list, each industry has a serial number. For example, the number one restaurant, number two for coffee, number three for the theater, number four for the record, number five for the restaurant, and so on. The business of interest 30 is a sub-list of each industry 29, for example, a restaurant (1-1), a restaurant (1-2), a restaurant (1-2) for a restaurant (serial number 1). 1-3), Italian food restaurants (1-4), snacks (1-5), etc. will have a selection menu. In particular, in the case of the chain of interest 31, regardless of the industry of interest 29 or the industry of interest 30, it is possible to directly select the mutual of the particular chain stores. For example, TGI (a1), Marche (a2), Nike (b1), McDonald's hamburger (a3), Dunkin 'donuts (a4) and the like.

The credit card number 33 and the debit card number 34 are provided for convenience to the individual 1 when making a payment, and only a password or an expiration date of the credit card is required at the time of payment.

4 is a schematic window diagram used when each business 3 wants to sign up as a member through the Internet.

As shown in FIG. 4, the advertiser 3 of the business place has its own name 40, social security number 41, business name 43, business registration number 45, business number 47, and administration of the business. District location (49, 50, 51), detailed location (52) regarding the geographic location of the business, type of business (54), type of business (56), advertising text (58), discount rate (60), gender of the target guest (62) ), Data about the guest age group 64, the advertisement time zones 66 and 68, the advertisement validity period 70, and the password 72 are input and transmitted.

The detailed location 52 briefly describes the way to visit based on famous buildings and the like that are easy to recognize. Industry 54 and sub-industry 56 is a list corresponding to the industry of interest 29 and the industry of interest 30 of FIG. 3, respectively. That is, it is determined whether or not they coincide with each other using the document information and the serial number information selected from the standardized list.

Ad text 58 can be inserted a simple phrase to explain the characteristics of the business, if necessary, may be attached to the image file of the map.

The discount rate 60 is a rate of discounting the price of the product, which may be arbitrarily determined by the advertiser in the range of about 5% to 20%.

After the password 72 has been entered, the duplicate confirmation 74 button is pressed to confirm whether the password has been correctly entered.

In addition, you can enter the bank name, account number, homepage address, e-mail address, etc. of the business if necessary.

FIG. 5 is a state diagram sequentially illustrating a part of an electronic coupon transmitted by an SMS method and a content and a method of using the electronic coupon transmitted by an ARS method according to the first transmission embodiment of the present invention. As shown in FIG. 5, when the short message is received by the mobile phone 2 in the SMS method, the initial menu screen 100 is configured. For example, when the individual 1 selects a restaurant as an industry of interest, the restaurants (1 Japanese, 2 Western, and 1 fast food) of the region currently located in the initial menu screen 100 are listed. Then, press the specific number number, and press the "OK" button or "*" button to display the next short advertising screen 101. In the advertisement screen 101, a specialty Japanese restaurant was selected. Then, if the "OK" button or "*" is pressed, the discount rate screen 102 is displayed and the discount rate suggested by the corresponding business appears. If you want to know the detailed information about the selected business, you can find the location (103) in the same manner by receiving a description (103).

In the case of purchasing the goods or receiving the service in the business 3, the price of the goods is entered. Prior to this, through the description screen 104 to recognize the rough usage. The explanation screen 104 is a message transmitted by the SMS method, and the message is transmitted by the ARS method from the end screen.

Enter an item amount of money (for example, 10,000 won) and present the mobile phone 2 to the advertiser 3 to cause the advertiser 3 to enter the business password 72. When the input is completed, the relevant data is transmitted to the advertising agency (4). At this time, the end screen 105 appears, and if authentication is completed, a confirmation message transmission screen 106 appears, and if authentication is not received, an error message transmission screen 107 appears.

For the sake of security, when the advertiser 3 inputs the password 72 to the mobile phone 2, the dummy character is displayed instead of the input character.

In addition, when moving the screen or entering a command can be used by replacing the direction keys, numeric keys, confirmation button, and the like.

FIG. 6 is a state diagram sequentially illustrating a part of an electronic coupon transmitted by an SMS method and a content and a method of using the electronic coupon transmitted by a wireless application protocol (WAP) method according to the second transmission embodiment of the present invention. As shown in FIG. 6, the electronic coupon message is displayed from the initial menu screen 200 to the discount rate screen 202 by the SMS method, and the electronic coupon message is received from the wireless Internet from the schematic screen 203. For example, when the individual 1 selects a restaurant as an industry of interest, the restaurants (1 Japanese, 2 Western, and 1 fast food) of the region currently located in the initial menu screen 100 are listed. Next, scroll to the direction key (not shown) or the like, select a desired restaurant, and press the "OK" button. Then, the advertisement menu 201 is displayed. In the advertisement screen 201, a specialty Japanese restaurant was selected. Then, if the "OK" button is pressed, the discount rate screen 202 is displayed to display the discount rate suggested by the store. Then, a directions screen 203 of the directions previously prepared in Bitmap, JPEG, and GIF format appears. Next, the location description screen 204 appears, based on this, you can go to the store (3).

In the case of purchasing the goods or receiving the service in the business 3, enter the amount of money (for example, 10,000 won) on the coupon use screen 205, and present the mobile phone 2 to the advertiser (3) to the advertiser (3) Have the user enter the business password 72. When the input is completed, the relevant data is transmitted to the advertising agency (4). At this time, if authentication is completed, a confirmation message transmission screen 206 appears, and if authentication is not received, an error screen 207 and a re-entry screen 208 appear. Similarly, for the sake of security, when the advertiser 3 inputs the password 72 to the mobile phone 2, the dummy characters are displayed instead of the input characters.

FIG. 7 is a flowchart illustrating the authentication step S600 of FIG. 2 in more detail. As shown in FIG. 7, first, an item price is input to the mobile phone 2, and the advertiser 3 is inputted with a password (S610 and 620).

Then, the predetermined mobile phone number, coupon number and the entered article price, the password of the business (3) is transmitted to the advertising agency (3) (S630).

Then, the server of the advertising agency 4 receives the mobile number, article price, the password and coupon number of the store (3) to search the mobile number and check whether the password matches (S640).

Then, calculate the discount amount (KRW 2,000) by multiplying the discount rate (60) (20%) of the store by the product price (KRW 10,000). At this time, it is good to have a certain amount of advertising amount calculated (for example, 500 won per case).

Next, a confirmation message is transmitted to the mobile phone 2 to confirm to the individual 1 and the advertiser 3 that the authentication is completed (S660).

8 is a flowchart illustrating a method of making a cash payment according to a first payment embodiment of the present invention. As shown in FIG. 8, when purchasing an item, the individual 1 pays a cash (for example, 10,000 won) to the store 3 (S711).

Next, the server of the advertising agency 4 charges the store 3 for a certain amount of time, a discount amount (2,000 won if 20%) and the accumulated amount of the advertising cost (for example, 500 won) (S713). In other words, the advertiser pays post-paid advertising fee after the transaction is made.

When the discount amount and the advertising cost are received from the business 3, the server of the advertising agency 4 updates the advertising cost DB 8 and the private DB 9 of the individual 1 and designates the bank 17. And remittance the discount amount (2,000 won) to the account number (19) (S715). Then, the payment confirmation message is transmitted to the mobile phone number 15 of the individual 1 and notified (S717).

9 is a flowchart illustrating a method of making a mobile phone payment according to a second payment embodiment of the present invention. As shown in Fig. 9, the post-payment means is the mobile phone 2.

First, the advertising agency 4 transmits the goods purchase data (item price, purchase date, coupon number) and authentication data (name, mobile phone number, business name, password) to the communication company (S721).

Next, the telecommunication company specifies the individual from the mobile phone number, and charges an article price (10,000 won) for the payment account (S722). Therefore, the individual pays the price of the goods together as the billing fee charged together with the monthly mobile phone bill.

Then, when the charged mobile phone fee is paid (S723), the telecommunications company transfers the discount amount (2,000 won) and the advertising fee (500 won) out of the deposited amount (10,000 won) to the advertising agency 4 ( S724).

The advertising agency 4 remits the discounted amount to the designated bank 17 and account number 19 of the individual 1 (S725). Then, the payment confirmation message is transmitted to the mobile phone number 15 of the individual (1) (S726).

In parallel with this, the telecommunication company remits the discounted product price (10,000 won-2,000 won-500 won = 7,500 won) to the business 3 (S727).

10 is a flowchart illustrating a method of making a mobile phone payment according to a third payment embodiment of the present invention. As shown in FIG. 10, in FIG. 9, the product price (10,000 won) is charged, while in FIG. 10, the discounted product price (8,000 won) is charged. Therefore, the individual 1 pays only the discounted price, and the advertising fee (500 won) of the billed amount is remitted to the advertising agency. That is, steps S725 and S726 illustrated in FIG. 9 may be omitted.

11 is a flowchart illustrating a method of making a credit card payment according to a fourth payment embodiment of the present invention. As shown in Fig. 11, the post-payment means is a credit card. When purchasing an item, the price of the item is usually paid using a credit card (S731).

Next, the credit card company 5 subtracts the discount amount (2,000 won) and the advertising cost (500 won) from the payment amount (10,000 won) (7,500 won) (S732). The discount amount and the advertising cost thus calculated are remitted to the advertising agency 4 by the credit card company 5 (S733).

Next, the advertising agency 4 updates the discount amount (2,000 won) to the personal private DB (9), and then, when a predetermined amount or period comes, the designated bank (17) and the account number (19) of the individual (1). The remittance to (S734). When the transfer is completed, the transfer confirmation message is sent to the mobile phone number 15 of the individual to notify that the transfer has been made (S735).

In parallel, the credit card company 5 transfers the discounted goods price (7,500 won) to the business (3) (S736).

12 is a flowchart illustrating a method of making a credit card payment according to a fifth payment embodiment of the present invention. As shown in FIG. 12, in FIG. 11, the entire article price (KRW 10,000) is paid by a credit card, while in FIG. 12, only the discounted article price (KRW 8,000) is paid. Therefore, the individual 1 pays only the discounted price, and the advertising fee (500 won) of the billed amount is remitted to the advertising agency. That is, steps S734 and S735 illustrated in FIG. 11 may be omitted.

13 is a flowchart illustrating a method of making a credit card payment according to a sixth embodiment of the present invention. As shown in Fig. 13, the post-payment means is a credit card. First, the price of goods is usually paid using a credit card (S741).

Then, recognize the sales approval number from the payment receipt and input the sales approval number to the mobile phone (2) and transmits to the advertising agency (4) (S742).

Next, the advertising agency 4 receives the remittance number, the transaction date, the discount amount (2,000 won) and a predetermined rate of advertising costs (500 won) to the credit card company to receive the remittance (2,500 won) (S743).

The advertising agency (4) updates the discount (2,000 won) to the personal private DB (9) of the individual (1), and when a certain period or a certain amount of money, the designated bank 17 and account number ( Remittance to 19) (S744). Then, the deposit confirmation message is sent to the mobile phone number 15 of the individual to notify that the transfer has been made (S745).

In parallel with this, the credit card company 5 remits the discounted price and the product price from which the advertising cost is reduced (10,000 won-2,000 won-500 won = 7,500 won) to the business 3 (S736).

Although the present invention has shown and described four databases in FIG. 1, if the number of records is large, a lower table may be provided or an additional table may be provided for a separate field.

According to the payment system using the electronic coupon of the mobile phone as described above, each individual can easily obtain information about the mall by receiving the electronic coupon of the desired advertisement on the mobile phone.

In addition, by purchasing the goods using the received electronic coupon, and by receiving a predetermined discount, there is an economical price and can be provided with goods purchase or service.

In addition, since the establishment pays the post-paid advertising fee, the advertisement cost can be reasonably paid in proportion to the effect of the advertisement. In addition, advertising agencies can increase profits by sending electronic coupons to mobile phone users and receiving advertising fees in proportion to transactions from businesses.

In addition, the price of goods can be postpaid by various means such as cash, credit card, debit card, mobile phone billing, etc., thereby inducing consumption and activating credit transactions.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it is possible to make various modifications or variations without departing from the spirit and scope of the invention. Accordingly, the appended claims will cover such modifications and variations as fall within the spirit of the invention.

Claims (10)

Personal information database means for receiving, storing and retrieving data on the bank name (17), account number (19), and business interests (29, 30) of each individual (1) with a mobile phone ( 6); Business information database means (7) capable of receiving, storing and retrieving location information (49, 50, 51, 52), property information (54, 56. 58) of the business (3), and data related to a discount; The eviction of the business information database means 7 to expel the business 3 in which the attribute information 54, 56, 58 of the business 3 and the data of the business 29, 30 of the individual 1 coincide with each other. Way; Location information (49, 50, 51, 52), attribute information (54, 56. 58) of the business 3 expelled by the eviction means and data related to the discount are included in the electronic coupon to the mobile phone (2). Transmitting means (4) for transmitting; Authentication means (4) for receiving a mobile number, article price, password and coupon number of the store (3) from the mobile phone (2) to determine whether to authenticate and transmit the determination result to the mobile phone (2); Advertisement cost database means (8) for calculating and earning a certain percentage of the article price as an advertisement fee when a transaction is made based on the electronic coupon received by the cellular phone (2); The electronic device of the mobile phone comprising a personal database means (9) which calculates the amount corresponding to the discount rate (60) of the business (3) of the article price as a discount amount and stores and searches for each individual (1). Payment device using coupons. The method of claim 1, wherein the partial message of the electronic coupon is transmitted by a short text service (SMS), and the remaining messages of the electronic coupon are transmitted by ARS or wireless application protocol (WAP). Payment device using an electronic coupon. Each individual (1) enters the mobile phone number (15), the name of the bank (17), account number (19), business interests (29, 30) and discount method (27) to register membership, Preliminary step (S100) in which the advertiser 3 of each business enters the location information (49, 50, 51, 52), the attribute information (54, 56. 58), and the data related to the discount of the business (3) to register membership (S100) , S200); Evicting a business (3) in the business information database (7) in which the attribute information (54, 56, 58) data of the business (3) and the business (29, 30) data of interest of the individual (1) match; Transmitting the location information (49, 50, 51, 52), attribute information (54, 56. 58) and discount related data of the evicted store (3) to the mobile phone (2) by including them in an electronic coupon ( S400); When the goods transaction is made on the basis of the electronic coupon, the mobile phone number through the mobile phone (2) to the advertising agency (4) by transmitting a mobile phone number, the article price, the password and coupon number of the store (3) to authenticate (S600) ); And When the individual 1 pays the price of the article by a postpay payment means, a certain percentage of the price of the article is remitted to the advertising agency 4 as an advertising expense, and the discounted price of the article is remitted to the advertiser 3. And, the payment method using the electronic coupon of the mobile phone, characterized in that it comprises the step (S700) of transmitting the discount to the individual (1). According to claim 3, During the preparation step (S100, S200), The business sectors 29 and 30 of the individual 1 are selected from a predetermined list of businesses, The industry list is a payment method using an electronic coupon of a mobile phone, characterized in that consisting of a list of industry of interest (29) consisting of each industry and the list of industry of interest (30) determined for each of the industry of interest (29). According to claim 3, During the preparation step (S100, S200), The location information of the store 3 includes data on administrative addresses (49, 50, 51) and the detailed location 52 representing the geographical location, The attribute information is selected from an industry type list 54 made up of each industry type and a detailed industry type list 56 determined for each industry type 54, and includes an advertisement phrase 58. The discount-related data may include a discount rate 60, sex of the subject of discount, age 62, 64, data 70 related to the discount period, and a password 72. Payment method using. The method of claim 3, wherein the authentication step (S600), Inputting an item price into the mobile phone (2), and causing the advertiser (3) to input a password (S610 and 620); Transmitting a mobile phone number, an article price, a password and a coupon number of the store (3) to the advertisement agency (4) (S630); Receiving, by the server of the advertising agency 4, a mobile number, an article price, a password and a coupon number of the store 3, searching for a mobile number and confirming a password (S640); Calculating a discount amount by multiplying the product price by a discount rate (S650); And Transmitting a confirmation message to the mobile phone (S660); Payment method using an electronic coupon of a mobile phone comprising a. The method of claim 3, wherein the post-payment means is a cash or debit card, The remittance step (S700), The individual (1) pays the goods price to the business (3) (S711), the server of the advertising agency (4) is a fixed amount of the discount amount and the advertising costs from the product price and discount rate to the business (3) for a certain period of time. Sending the billing data (S713); When the discount amount and the advertisement cost are received from the business 3, the server of the advertising agency 4 remitted the discount amount to the designated bank 17 and the account number 19 of the individual 1 (S715). ); And The payment method using the electronic coupon of the mobile phone, characterized in that it comprises the step (S717) of transmitting a deposit confirmation message to the mobile phone number (15) of the individual. The method of claim 3, wherein the postpaid payment means is the mobile phone (2), The remittance step (S700), Transmitting, by the advertising agency 4, the product purchase data and the authentication data to the communication company (S721); Billing, by the telecommunications company, an article price for an account of the corresponding mobile number (S722); When the charged mobile phone fee is paid (S723), the telecommunication company transmits the discounted amount and the advertising cost to the advertising agency (4) (S724); The advertising agency 4 sends the discounted amount to the designated bank 17 and the account number 19 of the individual 1 (S725); Transmitting a deposit confirmation message to the mobile phone number 15 of the individual (S726); The telecommunication company is a payment method using an electronic coupon of a mobile phone, characterized in that it comprises the step (S727) of remitting the discounted goods price to the business (3). The method of claim 3, wherein the post-payment means is a credit card, The remittance step (S700), Payment of a product price using data of a credit card (S731); The credit card company 5 subtracting the discount amount and the advertising cost from the payment amount (S732); The credit card company 5 remitting the discounted amount and the advertising fee to the advertising agency 4 (S733); The advertising agency (4) remitting the discount amount to the designated bank (17) and account number (19) of the individual (1) (S734); Transmitting a deposit confirmation message to the mobile phone number 15 of the individual (S735); The credit card company (5) payment method using an electronic coupon of a mobile phone, characterized in that it comprises the step (S736) of remitting the discounted goods price to the business (3). The method of claim 3, wherein the post-payment means is a credit card, The remittance step (S700), Paying a product price using data of a credit card (S741); Inputting the paid sales approval number into the mobile phone (2) and transmitting it to the advertising agency (4) (S742); The advertising agency (4) is the step of receiving the remittance billing the credit card company the advertising number, the discount amount and a predetermined rate (S743); The advertisement agency 4 remitting the discounted amount to the designated bank 17 and the account number 19 of the individual 1 (S744); Transmitting a deposit confirmation message to the mobile phone number 15 of the individual (S745); The credit card company (5) payment method using the electronic coupon of the mobile phone, characterized in that it comprises the step (S736) of remitting the price of goods discounted and advertising costs to the business (3).