KR20030037156A - System and method for offering a cyber financial goods - Google Patents

Abstract

PURPOSE: A system for supplying an electronic financial commodity service and a method thereof are provided to supply a management fund to a member store, supply a commission to a financial institution, and discount a gift certificate purchase amount to a purchaser by contracting an additional engagement among many member stores, the purchaser, and the financial institution and issuing an electronic gift certificate applied by a discount rate with respect to the money or amount of commodity. CONSTITUTION: A purchaser reads electronic gift certificate information registered in a commodity supplying server(ST-1). If the purchaser wants to purchase an electronic gift certificate(ST-2), the purchaser selects the number of gift certificates and checks purchase money and inputs client information(ST-3). The commodity supplying server transmits information of the purchaser to a corresponding financial institution(ST-4). The financial institution withdraws corresponding money from an account of the purchaser and pays the price to a member store(ST-5). The purchaser purchases various kinds of commodities in a member store through a secured electronic gift certificate(ST-6). The commodity supplying server authenticates the purchaser and updates electronic gift certificate information(ST-7). The updated information is transmitted to a member store terminal(ST-8). The purchaser and a master of the member store check the updated information(ST-9).

Description

Electronic financial product service providing system and method thereof {SYSTEM AND METHOD FOR OFFERING A CYBER FINANCIAL GOODS}

The present invention relates to an electronic financial product service providing system and a method thereof, and more specifically, various financial companies, consumers, and merchants are linked to one network to issue, distribute, and manage electronic gift certificates based on a desired consumer account. The present invention relates to an electronic financial product service providing system and a method thereof.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

Due to this situation, offline product distributors and stores are attempting to build a homepage and expand servers for online marketing. In the case of marketing at these dealers and stores, a purchase guarantee is provided for the agents and stores. The disadvantage is that you can't support it.

In other words, given the size of the store, even if the event is held in the store, there is no guarantee for the store, and consumers are not sure about how long the event will last, so There is a problem that various marketing, including through marketing, does not work.

In addition, the above-described store and agency size has a disadvantage in that an excessive amount can not be invested only by marketing costs. In particular, small sales offices that are not even the size of an agency cannot afford to calculate separate marketing costs to attract and secure customers. Therefore, there is a problem that it is almost impossible to attract new customers.

In order to solve these problems, credit card companies, etc., while securing a number of merchants under separate agreements, are constructing a system for promoting merchants through online sites or booklets of credit card companies.

This promotional system is established because both objective benefits are met, and the credit card company can attract new card issuing customers based on the discount rate of the merchant and simultaneously marketing the credit card. There is an advantage in that it can easily attract a large number of customers as a marketing agency for a credit card company.

However, merchants joining the above credit card merchant system check the first reason that the customer is a short-term customer, not a long-term customer, and whether most of the customers are merchants of the credit card company, and then purchase goods or store. The second reason for not visiting is that the effect of marketing through credit card companies is inadequate.

In addition, there is a problem that the effect is further reduced as the number of affiliates of the same industry for a single credit card company increases. In particular, since most of these merchants are entertainment rather than daily necessities, it is possible to attract customers through discounts, but in the stores that provide daily necessities, credit card companies are used to attract customers through discounts and marketing the discount rate itself. The problem is that it is very difficult to communicate.

In this case, a certain operating fund must be secured for peeling off, but as mentioned above, the merchant card system of the credit card company is not a system capable of securing a certain amount of floating funds, but only one-time customer acquisition. There is a problem in that it is practically impossible to register, and registration as a merchant is not effective.

In addition, to solve each of these problems, two systems have appeared, the first is a system that grants a reserve to the purchaser in proportion to the purchase amount when purchasing the goods in a specific store to secure long-term customers. However, even though such reserve granting system can secure long-term customers, it is impossible to secure a certain amount of floating funds. In addition, since the customer recognizes that a substantial purchase price of a product is essential to actually utilize the reserve, the reserve itself is not regarded as a concept separate from cash. Therefore, there is a problem that the marketing effect is greatly reduced proportionally.

The other system is an offline voucher system. In this case, although it can be performed only by companies with a large number of distributors scattered in each region, the customers who purchase gift certificates do not immediately use them, which has advantages in securing short-term current funds. System.

However, such gift voucher system is used by large-scale gift commodity manufacturers, and it is difficult to provide as a gift in the case of daily necessities. It is difficult to invest huge amounts of money, and there is no guarantee agency for the company, so the customer's trust in the gift certificate is not absolute. In particular, small companies also have a problem that the margin rate is relatively higher than that of large gift certificate handling companies, making investment for distribution of real gift certificates more difficult.

The present invention has been made in view of the above-described state of the art, and is linked to a separate agreement between a plurality of merchants, buyers, and financial institutions, respectively, by issuing an electronic voucher to which a discount rate for a certain amount or quantity is applied. The purpose of the present invention is to provide an electronic financial product service providing system and a method for providing operating funds, providing handling fees to financial companies, and discounting the purchase price of gift certificates to buyers.

In addition, the present invention provides the operating funds to the merchants by issuing an electronic voucher with a discount amount for a certain amount or quantity in connection with each other in a separate agreement between a plurality of merchants, buyers, and financial companies, providing the financial company with the price of gift certificates Another object is to provide an electronic financial product service providing system and a method for paying in the form of a loan and providing a fee for it, and allowing a buyer to make a discount on the purchase price of a gift certificate.

In addition, the present invention provides the operating funds to the merchants by issuing an electronic voucher with a discount amount for a certain amount or quantity in connection with each other in a separate agreement between a plurality of merchants, buyers, and financial companies, providing the financial company with the price of gift certificates Another purpose is to provide an electronic financial product service providing system and a method for providing a payment and guarantee fee, and a discount to a purchaser of a gift certificate.

In addition, the present invention is larger in the case of emergency operation funds need of the merchant when issuing an electronic gift certificate with a discount amount for a certain amount or quantity in connection with each other in a separate agreement between a plurality of merchants, buyers, financial companies Another object of the present invention is to provide an electronic financial product service providing system and a method for providing a conditional electronic gift certificate in which a discount rate is applied and certain conditions are provided.

In addition, the present invention provides a system and method for providing an electronic financial product service, which allows multiple buyers to jointly purchase a single gift certificate, jointly pay for it, and distribute the gift certificate information to each buyer. There is another purpose in providing.

1 is a schematic diagram schematically showing the configuration of an electronic financial product service providing system according to an embodiment of the present invention;

2 is a block diagram showing the configuration of an electronic financial product service providing system according to an embodiment of the present invention;

3 is a block diagram showing a circuit configuration of an electronic financial product service providing server according to an embodiment of the present invention;

4A and 4B are views showing an implementation screen of an electronic financial product service providing server according to an embodiment of the present invention;

5A and 5B are views illustrating a gift certificate output screen of an electronic financial product service providing server according to an embodiment of the present invention;

6A and 6B are diagrams illustrating a gift certificate output screen of another example of the electronic financial product service providing server according to the embodiment of the present invention;

7A and 7B are diagrams illustrating screens of merchant information output and a gift certificate purchase screen of an electronic financial product service providing server according to an embodiment of the present invention;

8 is a table showing a database provided in the electronic financial product service providing server according to an embodiment of the present invention;

9A, 9B, 9C, and 9D are flowcharts showing signal flows of an electronic financial product service providing system according to an embodiment of the present invention;

10 is a schematic diagram schematically showing the configuration of an electronic financial product service providing system according to another embodiment of the present invention;

11 is a flowchart illustrating a signal flow of an electronic financial product service providing system according to another embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: Buyer's terminal, EGC-PS: Electronic financial product service providing server,

BS1-BSn: Financial Server, MD1-MDn: Merchant Terminal.

In order to achieve the above object, according to a preferred embodiment of the present invention is provided with a web browser capable of outputting a variety of data via a data communication network consisting of the Internet network or other wired / wireless communication network, and with the data communication network therein A subscriber station equipped with a modem for communication connection; A financial server that manages the electronic voucher buyer's account and withdraws the purchase price for the voucher purchase and pays the merchant to pay and guarantee the sale price for the electronic voucher; A merchant terminal connected to the data communication network together with the financial server to identify the authenticity of the buyer for the electronic voucher and update the electronic voucher information; It is connected to the web server for communication access through the purchaser terminal, the financial server and the merchant terminal is connected to the data communication network consisting of an electronic financial product service providing server embedded with processing algorithms related to issuance, distribution, and settlement of electronic gift certificates. An electronic financial product service providing system is provided.

Preferably, the electronic financial product service providing server includes a communication module for performing data signal processing for transmitting and receiving various data for the purchaser terminal, the financial server, and the merchant terminal; A customer identification information management unit for managing customer identification information for identifying authenticity of the customer when using the electronic gift certificate; An affiliate bank information management unit for managing affiliate bank payment methods and a plurality of affiliate bank information of each affiliate bank for electronic gift certificates; An affiliated store information management unit for managing information on the affiliated store, such as the location and size of the affiliated store of the electronic voucher issuing merchant, and a handled product; A gift certificate information management unit for managing electronic voucher information issued for each buyer, merchant, handling product, and discount rate, and discount rate information for the gift certificate; A gift certificate settlement unit that performs payment for a gift certificate, such as payment of a purchaser's electronic gift card purchase price and update of gift card information of a specific buyer in accordance with a request of a merchant terminal; A site management unit that manages and manages a website for registering merchant information and region, handling product, and discount rate information and registering the information on the web; a customer information DB storing customer identification information; An affiliate bank information DB for storing affiliate bank information and payment information; An affiliated store information DB for storing affiliated store information linked to the gift certificate information; A gift certificate information DB for storing information on the electronic gift certificate issued in association with the affiliated store information; A gift voucher settlement DB that stores settlement information of the gift voucher in association with merchant information and buyer information; Electronic financial products comprising a control unit for controlling the registration and registration information of the merchant voucher for the electronic voucher, register the electronic voucher information is sold, and the identification and settlement processing of the use from the merchant and the buyer A service provision system is provided.

Preferably, the affiliated store information DB is provided with an electronic financial product service providing system, characterized in that the merchant information separately marked so that the buyer can recognize the presence of the homepage and conditional gift certificate presence of the merchant.

On the other hand, the present invention is a service of an electronic financial product service providing system linked to a financial company to register and issue an electronic voucher to the electronic financial product service providing server in a plurality of merchants and withdraw the price from the buyer's account when the purchaser purchases it A providing method comprising the steps of: a purchaser viewing a electronic voucher information registered in the electronic financial product service providing server; Selecting a purchase number and inputting customer information such as customer identification information, account number, and trading bank when a purchase of a specific electronic gift certificate is desired; Transmitting purchase information about the buyer to the financial institution; The financial company withdraws the purchase price of the electronic voucher from the customer's deposit account and pays to the merchant; Using the electronic voucher secured by the buyer; Identifying the electronic voucher of the buyer; Updating the electronic voucher information; Provided is an electronic financial product service providing method comprising a process of transmitting updated information to an affiliated store terminal.

Preferably, the electronic voucher information is provided by the electronic financial product service providing method characterized in that the classification, stored by region, discount rate, industry, handling products.

Preferably, the payment for the electronic voucher is provided with an electronic financial product service providing method characterized in that the financial company to guarantee the merchant by paying the entire payment to the merchant in a loan method.

Preferably, the payment for the electronic voucher is provided by the financial company pays only a part of the payment to the merchant and the remaining amount to pay when the use of the buyer for the electronic voucher is provided by the electronic financial product service providing method do.

Preferably, the electronic gift voucher service providing method characterized in that the identification of the gift voucher account through the identification of the buyer is provided.

Preferably, the electronic voucher is provided with an electronic financial product service providing method characterized in that it may be a conditional voucher that can be used when a certain condition is satisfied according to the presentation of the merchant.

Preferably, the conditional electronic voucher is provided with a method for providing an electronic financial product service, characterized in that the predetermined selling price and a certain point of use.

Preferably, a method for providing an electronic financial product service is provided, wherein a condition for issuing a restriction may be set at a financial company with respect to an affiliate that issues the conditional electronic gift certificate.

Preferably, there is provided a method for providing an electronic financial product service, which may be due to an increase in loan interest or an increase in the remaining balance due to the issuance condition of the conditional electronic gift certificate.

Preferably, the electronic voucher is provided with a method for providing an electronic financial product service, characterized in that a plurality of buyers can jointly purchase a single electronic voucher.

Preferably, the electronic voucher that can be purchased jointly is provided with a method for providing an electronic financial product service, characterized in that there is a limit condition of a certain selling price.

Preferably, the merchant information to be output is provided with an electronic financial product service providing method comprising an affiliated store logo and directions, a discount rate, and a brief introduction letter of the merchant.

Preferably, in the issuance and use of the electronic voucher, there is provided a method for providing an electronic financial product service, characterized in that the electronic voucher can be used only by identifying the buyer and checking the voucher information without using a physical card.

Preferably, when the initial registration of the merchant, the financial company is provided with an electronic financial product service providing method characterized in that it is possible to set a limit on the issuance of electronic gift certificates by evaluating the merchant.

Preferably, the limit set for the electronic voucher is provided with an electronic financial product service providing method, characterized in that adjustable by the re-evaluation of the financial company for the merchant.

Meanwhile, another embodiment of the present invention registers and issues an electronic voucher using an electronic financial product service providing server in a plurality of affiliated stores, and withdraws and provides an electronic voucher account at the same time as the purchaser makes a purchase. A service providing method of an electronic financial product service providing system having a system for making an account and a system for performing a general credit card business at the same time, wherein the credit card company has a limit on the amount of sales of electronic gift certificates for a plurality of affiliated stores, respectively. Setting a process; Requesting a customer to purchase an electronic voucher of a specific merchant by accessing the credit card company's electronic financial product service providing system; Determining, by the credit card company, whether or not the electronic voucher of the affiliated store is within the limit of the marketable amount; If the electronic voucher of the merchant is within the sales limit, the electronic voucher account of the customer is sold by selling the voucher to the customer; Requesting a payment through a credit card and using the electronic voucher at a specific merchant; Confirming whether the merchant's electronic gift certificate exists in the electronic gift certificate account of the customer by sending the customer's card number to the credit card company; There is provided a method for providing an electronic financial product service, comprising a process of making a payment for a purchase of a product of a customer by a general credit card or an electronic voucher payment.

Preferably, the payment for the purchase of the product of the customer is a process of subtracting the amount of use from the electronic gift certificate account of the customer if the electronic gift certificate of the merchant is present in the customer's account; If the merchant's electronic gift certificate does not exist in the customer's account, the payment for the purchase of the customer's goods further comprises the process of the general credit card payment through the credit card business system A method is provided.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing the configuration of an electronic financial product service providing system according to an embodiment of the present invention.

Referring to this, the electronic financial product service providing system 2 according to the present invention includes a financial company 10 that manages a plurality of customer accounts 12, an affiliate store 14 that sells a variety of products, and a buyer who is a consumer ( It is a system that manages settlement according to issuance, distribution and use of electronic gift certificates in connection with each of the above.

The electronic financial product service providing system 2 according to the present invention according to the present embodiment is configured to have a single subject and three objects that are different from each other, and the number of such subjects and objects is not limited to a constant. If included in the technical spirit of the present invention will be disclosed in advance that can be applied irrespective of the number of system subjects and objects.

First, the electronic financial product service providing system 2 makes predetermined arrangements for issuance, distribution, and settlement of electronic gift certificates with respective financial companies 10, affiliated stores 14, and buyers 16, respectively. Among the basic contents of the agreement, when the purchaser 16 requests the purchase of the electronic voucher for the financial institution 10, a certain amount is deducted from payment of the gift certificate from the customer account 12 of the purchaser 16. Payment is made to the affiliated store 14.

At this time, the financial company 10 is the amount of payment for future interest is the amount excluding the deduction for the gift card price of the interest on the initial account amount of the buyer (16).

In addition, the financial company 10 pays the merchant 14 the amount of money withdrawn from the customer's account 12 in the form of a loan having a predetermined loan fee and loan interest payment of the gift certificate. Therefore, the affiliated store 14 is a certain amount of the amount for the sale of the gift certificate is reduced to the loan interest and the remaining amount is paid. Through this, the financial company 10 guarantees the transfer of the customer account 12 for the issuance of a gift certificate, and secures loan interest in return.

In this case, the type of guarantee of the financial company 10 is not limited to the loan type. In another example, the financial company 10 prepays a predetermined ratio (for example, 50%) to the gift certificate price, and the buyer of the gift certificate. Once the use of (16) is confirmed, it may be guaranteed by paying the remaining balance (50%). In the case of the guarantee of such a financial company 10, if the merchant 14 is defaulted before the use of the gift certificate is completed, it is pledged to the buyer 16 that it can be refunded by a certain ratio (for example, 50%) of the gift certificate purchase amount. .

In addition, in the arrangement with the affiliated store 14, the affiliated store 14 may present information on the limited number or the limited amount of the gift certificate, change it at any time, and provide a guarantee fee with respect to the affiliated store 14. Part should be agreed.

The electronic financial product service providing system 2 configured with the above-mentioned agreement is able to pay a short-term fixed amount of liquid funds by issuing a discounted voucher to the affiliated store 14 to secure long-term customers. As a result, it is possible to provide a specific funding plan for the operation of the affiliated store 14. In particular, in the case of a newly established affiliated store 14, attracting customers can be made very smoothly even without an event through an event company.

In addition, in the case of the established affiliated store 14, it is possible to absorb customers of other companies even without performing a separate marketing, and likewise, it is possible to secure a floating fund without a separate procedure. In addition, unlike the existing credit card merchant system, it is not necessary to guarantee due to its size, and the deposit of the buyer 16 for the purchase of the gift certificate is guaranteed, or the guarantee is made through the loan method of the financial company 10. Merchants can be made even in stores.

In the case of the purchaser 16, the electronic financial product service providing system 2 may secure an electronic voucher for which a predetermined amount is discounted, and may secure an electronic voucher for a cash discounted amount, unlike the reserve. In particular, in the case of necessities, it is preferable to purchase an electronic gift certificate when the discount amount is larger than the interest generated by depositing a certain amount in the financial company 10 in the same negative interest period recently, so that the consumption of the buyer 16 can be activated.

In addition, the purchaser 16 may purchase a gift certificate for a small nearby store, as well as search by region, handling item, and discount rate of the store.

On the other hand, the electronic financial product service providing system according to the present invention is embedded in the information on the electronic voucher for the use of the gift certificate, and updating the information of the residual gift certificate due to the use history, electronic voucher that can be used in the conventional data communication network A special card can be issued, which can be used for subscriber identification and update of the gift certificate information.

That is, the system is connected to the electronic financial product service providing system 2 by determining whether the customer is a customer of the electronic financial product service providing system due to the identification of one of the identification numbers donated to the electronic gift certificate exclusive card. .

Through this, various payments and information updates for the electronic gift certificate can be performed through the existing payment terminal (not shown) for the data communication network.

More specifically, assuming that the number assigned to the electronic voucher dedicated card is '000-111-222-34', it is assumed that any number (eg, 34) is a number for the electronic voucher, If the data communication network is registered, the data communication network determines that the card is an electronic voucher-related card and connects to the electronic financial product service providing system 2 when the payment of the gift certificate use payment is made through the card. However, this payment is also just one example, and the payment is only one means for implementing the technical idea of the present invention.

In summary, the electronic financial product service providing system 2 according to the present invention complements the reserve system and the gift certificate system and complements each system defect by applying the financial system in the payment portion of the gift certificate. As such, the plan consumption can be activated, and the sales of the loan product of the financial company 10 can be stably activated, while presenting the operational fund plan of the affiliated store 14.

In addition, the reason why the loan product of the financial company 10 can be stably sold is that the funds for the electronic gift certificate have already been withdrawn from the customer account 12, and even in the case of the buyer 16, the financial company 10 is fixed. As it guarantees the amount of money, it is possible to purchase a stable gift certificate.

To this end, an electronic voucher information management area 4 is provided inside the electronic financial product service providing system 2 according to the present invention. The electronic voucher information management area 4 includes the affiliated store 14 and a financial company ( In connection with 10), information on electronic vouchers is managed by various classifications, such as by each financial company, affiliated store, region, industry, and discount rate.

In addition, the affiliated store management area 6 is provided inside the electronic financial product service providing system 2 according to the present invention, and the affiliated store management area 6 enables indirect marketing of information on the affiliated store 14. Managed as a pop-up window, and when the purchaser 16 uses the electronic voucher of the affiliated store 14, the usage history is received from the affiliated store 14 and the gift certificate information of the purchaser 16 is stored. After the comparison, the identification information is transmitted to the affiliated store 14.

Meanwhile, inside the electronic financial product service providing system 2 according to the present invention, a voucher settlement area 8 for each customer is provided, and the voucher settlement area 8 for each customer is purchased by the buyer information and the buyer 16. A gift certificate information is managed in association with the buyer information, and when the purchaser 16 uses the gift certificate, update management of the information on the gift certificate is performed.

The financial institution management area 9 is provided inside the electronic financial product service providing system 2 according to the present invention, and the financial company management area 9 generates a purchase request of the buyer 16 for a specific electronic gift certificate. The account for the gift certificate account is performed, and the financial institution 10 is informed of the buyer 16 information and the affiliated store 14 information. Therefore, the financial company management area 9 also manages information on payment methods and loan interest rates at the time of payment between the affiliated store 14 and the financial company 10.

Hereinafter, the payment method for the merchant 14 and the gift card of the financial company 10 to be established first when operating the electronic financial product service providing system according to the present invention will be described briefly.

First, a plurality of affiliated stores 14 request sales of a gift certificate to the electronic financial product service providing system 2 together with information on the quantity and discount rate of the corresponding gift certificate (not limited to a specific product). At this time, the affiliated store 14 secures a predetermined amount of liquid funds in advance by selling a gift certificate through the electronic financial product service providing system 2.

Payment for gift certificate sales is paid from the financial company 10 managing the customer account 12 of the buyer 16, the purchase amount for the purchase of gift certificates from the customer account 12 is deducted, and the balance is deducted from the financial company. 10 is paid to the merchant (14).

At this time, the payment method may be paid in the form of a loan having a predetermined period and interest rate. In this case, the financial company 10 may determine the payment range of the affiliated store 14 through self-assessment of the affiliated store 14, and the information on the payment range is again provided in the electronic financial product service providing system 2 Will be used to limit the issuance of gift certificates. That is, the financial company 10 guarantees the electronic voucher sold to the buyer 16.

In addition, as another example of payment method, the financial company 10 pays only a part (eg, 50%) of the gift certificate sales price to the merchant, and the remaining money is paid when the use of the purchaser 16 for the gift certificate is completed. can do. In this case, since the financial company 10 is withdrawn from the customer account 12 for the remaining money in advance, the remaining money can be used for investment in other loan products or stocks, and in this case, the buyer 16 There is no obligation to pay interest, and since the merchant 14 is not obligated to pay interest, the income for it becomes the profit of the financial company 10 in the present system.

The partial payment method may secure a considerable amount of floating funds depending on the size of the merchant 14, even if it is part of the payment, the buyer 16 may purchase a gift certificate at a discount amount, the financial company 10 Funds that are not obligated to pay interest are available to all other parties, which is useful for all three parties.

2 is a block diagram showing the configuration of an electronic financial product service providing system according to an embodiment of the present invention.

The electronic voucher presented in the present invention may include all kinds of small merchants, stores, restaurants, etc. according to the merchant 14, the electronic voucher is a laundry ticket, a food stamp, a product that is handled by the merchant 14 This includes purchase tickets.

In addition, in the case of the affiliated store 14 that handles a variety of goods, the electronic voucher is not limited to a specific product, it is also possible to sell the electronic voucher by the amount so that all the goods handled by the merchant 14 can be included. That is, it is possible to sell electronic vouchers with 100,000 won, 200,000 won, 300,000 won, etc. At this time, a predetermined discount rate is applied to the purchase amount for the electronic voucher.

For example, the 100,000 won ticket is 95,000 won, the 200,000 won is 188,000 won, etc. Accumulated discount rate is applied to the purchase amount so that the electronic gift certificate is sold.

Referring to FIG. 2, the electronic financial product service providing system according to the present invention includes a web browser capable of outputting various text, images, and video data through a data communication network including an internet network or other wired / wireless communication networks. Since a plurality of purchaser terminals A1 to An are provided, the purchaser terminals A1 to An are provided with a modem for communication connection with the data communication network therein, and HTTP and WAP conversion algorithms for data conversion are provided. It is built.

In addition, an electronic financial product service providing server (EGC-PS), which is connected to a web server for communication access through the purchaser terminals A1 to An, and which has processing algorithms related to issuance, flow and settlement of electronic gift certificates, is provided. .

The purchaser terminals A1 to An and the electronic financial product service providing server EGC-PS can transmit and receive data by various wired / wireless data communication networks 20. At this time, the data communication network 20 basically includes the Internet network, and can be applied to mobile phones, IMT-2000, satellite communication, fax, and the like.

On the other hand, the electronic financial product service providing system according to the present invention includes a plurality of financial servers (BS1) including a comprehensive number of first, second, and third financial sectors, such as a plurality of banks, credit card companies, window companies, etc. And BSn), the financial servers BS1 to BSn perform withdrawal of the purchase price for the account management and purchase of the gift certificate of the electronic gift certificate buyer and payment to the merchant.

In addition, the merchants connected to the data communication network (30: a data communication network including a bank common network) together with the financial servers BS1 to BSn may include a merchant terminal for identifying the authenticity of the buyer for the electronic voucher and updating the electronic voucher information. MD1-MDn), respectively.

Here, since the data communication network 30 is a data communication network including a bank common network, a smart card payment network, various credit cards, a general debit card, and a transportation card network, the data communication network 30 is given in advance.

Accordingly, when the buyer accesses the electronic financial product service providing server (EGC-PS) through the purchaser terminals A1 to An to read various electronic voucher information, and selects and purchases a specific electronic voucher, The financial servers holding the accounts (BS1 to BSn) are notified so that the purchase amount can be withdrawn from the account, and the financial company pays all of the corresponding amounts to the affiliated store through a loan method or a part of the stage withdrawal method.

When a buyer visits an affiliated store and secures a specific product, the affiliated store terminals MD1 to MDn transmit the electronic financial product for authenticity identification, electronic gift certificate identification, and gift certificate information update of the corresponding buyer through the data communication network 30. Sending the gift certificate use information of a specific buyer to the service providing server (EGC-PS), the electronic financial product service providing server (EGC-PS) identifies the buyer and gift certificate, and updates the gift certificate information and at the same time the merchant terminal (MD1 to MDn) to complete the use and settlement of the gift certificate.

3 is a block diagram showing a circuit configuration of an electronic financial product service providing server according to an embodiment of the present invention.

Referring to this, the electronic financial product service providing server (EGC-PS) in the present invention is a communication module, customer personal information management unit, affiliated bank information management unit, merchant information management unit, gift certificate information management unit, gift certificate settlement unit, site management unit, It consists of a customer information DB, member bank information DB, merchant information DB, gift certificate information DB, gift certificate settlement DB, and the control unit.

More specifically, reference numeral 40 denotes a communication module for performing data signal processing for transmitting and receiving data for the purchaser terminals A1 to An, the financial servers BS1 to BSn, and the affiliated store terminals MD1 to MDn.

Reference numeral 42 denotes a customer identification information management unit for managing customer identification information for identifying the authenticity of the buyer, that is, the customer when using the electronic voucher, and reference numeral 44 denotes a method and a plurality of payment methods of merchants of each affiliate bank for the electronic voucher. Represents a member bank information management unit for managing member bank information.

In addition, reference numeral 46 denotes an affiliated store information management unit for managing information on the affiliated store, such as the location and size of the affiliated store of the electronic voucher issuing merchant, and handling products.

Reference numeral 48 denotes a gift certificate information management unit for managing electronic voucher information issued by each buyer, merchant, handling product, and discount rate, and discount rate information for the gift certificate. A voucher settlement unit which performs voucher settlement, such as updating voucher information of a specific buyer, in response to a request of the terminal MD.

Reference numeral 52 denotes a site management unit that manages and manages a website in order to classify merchant information and region, handling product, and discount information.

Reference numeral 54a denotes a customer information DB storing customer identification information, reference numeral 54b denotes an affiliate bank information DB storing information on affiliated bank information and payment method, and reference numeral 54c denotes an affiliated store linked with gift certificate information. Represents a merchant information DB that stores information.

In addition, reference numeral 54d indicates a gift certificate information DB for storing information on the electronic gift certificate issued in conjunction with the affiliated store information, reference numeral 54e indicates a gift certificate settlement DB for storing settlement information of the gift certificate in conjunction with the merchant information and buyer information. Indicates.

On the other hand, reference numeral 56 denotes a control unit for output-controlling the merchant registration and issuance information for the electronic gift certificate, registering the electronic gift certificate information for sale, and performing identification and settlement processing for the use from the merchant and the buyer.

4A and 4B illustrate implementation screens of an electronic financial product service providing server according to an embodiment of the present invention.

Referring to this, it is also possible to directly access the electronic financial product service providing server (EGC-PS) through the purchaser terminals A1 to An, and the electronic financial product service providing server (EGC) to the homepage 60 of each bank. It is also possible to link and map the URL of the electronic financial product service providing server (EGC-PS) by accessing a separate button (EGC: 62) to access the website of the PS.

In this manner, the homepage screen 70 of the electronic financial product service providing server (EGC-PS) to which it is connected is classified into various categories such as banks (72), regions (74), industries (76), discount rates, and handling products. Electronic gift certificate is interposed by registration.

5A and 5B are diagrams illustrating a gift certificate output screen of an electronic financial product service providing server according to an embodiment of the present invention.

Referring to this, in the case where ○○ region is selected on the homepage screen 70 of the electronic financial product service providing server (EGC-PS) of FIG. 4B, the subpage 80 is classified by region, discount rate, handling product, and business type. Since the information 82 classified as is registered, the pop-up window 92 including the affiliated store information classified in the discount rate order 94 is output on the subpage 90 when the discount rate is selected.

Preferably, each affiliated store is provided with a separate recognition character indicating whether the homepage (HP) is present, and the reading button 98 for reading the gift certificate information is interposed at the same time.

6A and 6B are diagrams illustrating a gift certificate output screen of another example of the electronic financial product service providing server according to the embodiment of the present invention.

Referring to this, in the case where ○○ region is selected on the homepage screen 70 of the electronic financial product service providing server (EGC-PS) of FIG. 4B, the subpage 100 is classified by region, discount rate, handling product, and business type. And the information 102 classified by the conditional gift certificate is registered. When the discount rate is selected among the information, the pop-up window 112 including the affiliate information classified in the discount rate order 94 is displayed on the subpage 110. Is output.

Preferably, each affiliated store is provided with a separate recognition character to indicate the presence of the homepage (HP), the reading button 98 for viewing the gift certificate information is interposed at the same time, when using a gift voucher limited to a certain condition Conditional gift voucher output button 114 is displayed to be recognized by the buyer.

As described above, the conditional gift certificate refers to an electronic gift certificate that can be sold when a merchant satisfies a certain period of time or a certain amount of money in case that the merchant needs a certain amount of operation cost according to extension opening and change of interior interior.

In other words, if a certain period of time is limited, it is a case where business cannot be carried out due to a change in the interior.In case of limiting a certain amount of money, a restriction is made to secure funds for changing the interior. If so.

In particular, the above-mentioned conditional gift certificate is also provided by a financial company, as in the case of an electronic gift certificate, and it is also possible for a financial company to place restrictions on the issue of conditional gift certificates. That is, the conditional gift certificate issuance itself may be limited or the amount of issuance may be limited according to the credit rating of the affiliated store.

In addition, when the financial institution pays merchants for the conditional gift certificate through a loan method, the loan interest rate may be increased by a predetermined rate compared to general electronic gift certificates, and a portion of the payment may be paid to guarantee the remaining money. In the case of the deposit, the amount of the payout may be reduced compared to the general electronic gift certificate.

7A and 7B are diagrams illustrating an affiliate store information output and a gift certificate purchase screen of an electronic financial product service providing server according to an embodiment of the present invention.

5B and 6B, when a purchaser selects a particular affiliate store, affiliate store information as shown in FIG. 7A is output. In the case of a small affiliate store, a marketing effect is also provided through the electronic financial product service providing system.

As illustrated in FIG. 7A, the subpage 120 for outputting affiliate information includes an output window 122 including an affiliate store logo and directions, a discount rate, and a short introduction letter of a merchant, and purchase and cancellation buttons 124a of an electronic gift certificate. 124b) are respectively interposed. In addition, the output window 122 may include a video company introduction file capable of viewing the goods displayed in the store or the inside of the store, and the electronic payment system is coupled to the output window 122 to enable real-time payment. Do.

In addition, when the purchaser selects the purchase button 124a illustrated in FIG. 7A, a sub page 130 for electronic voucher sales processing is output, and the sub page 130 displays a voucher issued by the corresponding merchant (eg, The purchase option field 132 of the meal ticket), the settlement amount output field 134, the buyer's account input (for example, 123-456-789) input field 136, and the account holding bank selection field 138 are interposed.

Therefore, when the buyer selects the number of gift certificates to purchase, checks the output settlement amount, inputs an account, and selects a bank, the financial institution can withdraw the purchase price of the gift certificate from the buyer's account based on the information. do.

8 is a table showing a database provided in the electronic financial product service providing server according to an embodiment of the present invention.

Referring to this, the electronic financial product service providing server (EGC-PS) is provided with a table memory 140 built in the database so as to be linked to the customer name, card number, gift certificate details, the table memory 140 ) Is built so that the voucher details, including the card number and settlement details for a particular customer, can be linked to any one input. Therefore, when the buyer wants to use the gift certificate, the information of the purchaser's personal information and the purchase gift certificate and the update of the information according to the use of the purchase gift certificate are mutually linked through any information inputted through the merchant terminal (MD). It can be done.

On the other hand, the electronic financial product service providing system according to the present invention, in the issuance and use of the gift certificate, it is possible to fully operate the electronic gift certificate only by identifying the buyer and checking the gift certificate information without using a physical card.

In other words, when a purchaser purchases an electronic voucher, he / she accounts for the voucher account corresponding to the buyer, establishes the identification information of the buyer based on the account, and settles the use information when the purchaser uses the voucher. In this case, other payment means, such as an online medium, may be used for the authenticity identification of the purchaser and the settlement of the gift certificate.

The function and operation of the electronic financial product service providing system according to an embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

9A, 9B, 9C, and 9D are flowcharts illustrating signal flows of an electronic financial product service providing system according to an embodiment of the present invention.

Prior to describing the signal flow of the present invention, the process of inputting and confirming an ID and password, and logging in to identify the authenticity of members on an online site is included in the present invention, but it is not the main point of the present invention. Omit this in advance.

FIG. 9A illustrates a signal flow of a purchaser and use of an electronic voucher. First, electronic voucher information registered in the electronic financial product service providing server (EGC-PS) by region, discount rate, business type, and handling product. (First step: ST-1).

If the user desires to purchase a specific electronic voucher (step 2: ST-2), he selects the number of purchases, checks the purchase amount, and inputs the customer's personal information, account number, and bank information. (3rd step: ST-3).

Accordingly, the electronic financial product service providing server (EGC-PS) transmits the information about the buyer to the financial institution (step 4: ST-4).

Then, the financial company withdraws the purchase price of the electronic voucher from the customer's deposit account and pays it to the merchant (step 5: ST-5). In this case, as described above, the financial company may provide a guarantee for the merchant by paying the entire price in a loan method according to the agreement between the financial company and the merchant, and pay only a partial amount and the remaining amount of the buyer for the electronic gift certificate. It may be paid at the end of use.

The purchaser can use the electronic voucher secured to purchase various items at the affiliated store (step 6: ST-6). In this case, the electronic voucher is always a purchase price of a certain amount regardless of the point of use.

In response to a signal from a merchant terminal (MD) for use of a buyer's electronic voucher, the electronic financial product service providing server (EGC-PS) identifies the buyer's authenticity and checks the gift voucher information and checks the electronic voucher information. Update (step 7: ST-7).

Then, the updated information is transmitted to the affiliated store terminal (MD) (ST8: ST-8) so that the customer and the affiliated store confirm this (ST9: ST-9).

9B is a flowchart illustrating a signal flow of conditional gift certificate issuance and use of the affiliate store. First, a request for issuance of a conditional gift certificate by period and amount is performed at a specific affiliate store (step 10: ST-10). In this case, as described above, the issuance of conditional gift certificates may be restricted.

Then, the electronic financial product service providing server (EGC-PS) registers the conditional gift certificate to be viewed (Step 11: ST-11).

Then, the purchaser reads conditional electronic gift certificate information registered in the electronic financial product service providing server (EGC-PS) by region, discount rate, industry type, and handling product (step 12: ST-12).

When the purchase of a specific conditional electronic voucher is desired, after confirming the purchase amount selected for the purchase number, etc., the customer's personal information, the account number, and the customer's bank, etc. are input (step 13: ST-13).

Accordingly, the electronic financial product service providing server (EGC-PS) transmits information about the buyer to the financial institution, and the financial institution withdraws the electronic voucher purchase price from the customer's savings account and pays it to the affiliated store. Step 14) ST-14).

At this time, as described above, the agreement between the financial company and the merchant may be higher than the general electronic voucher for the conditional gift certificate, or the residual amount may be higher than that of the general electronic voucher when some payments are made.

When the purchaser attempts to use the acquired conditional electronic gift certificate (step 15: ST-15), the electronic financial product service providing server (EGC-) according to the signal of the merchant terminal (MD) for using the purchaser's electronic gift certificate. PS) determines whether it is a conditional gift certificate suitable for the conditions presented by the affiliated store (step 16: ST-16).

If the conditions described above are satisfied, the buyer can use the gift certificate, and accordingly, the electronic financial product service providing server (EGC-PS) calculates the gift certificate information (step 17: ST-17).

Then, the updated information is transmitted to the affiliated store terminal MD (step 18: ST-18) so that the customer and the affiliate store owner confirm this (step 19: ST-19).

9C is a flowchart illustrating a signal flow for registering a merchant. Since the electronic financial product service providing system according to the present invention is a method in which a financial company performs a predetermined guarantee for each affiliated store, evaluation of the financial company is required to register the affiliated store. Can affect

With reference to FIG. 9C, registration of a merchant is described.

First, when a merchant requires registration of a merchant to register with a merchant (step 20: ST-20), the financial institution evaluates the store (step 21: ST-21), and sets a limit for issuing a gift certificate for the merchant. The affiliated store is registered in the state of grant (step 22: ST-22).

Then, the electronic financial product service providing server (EGC-PS) registers the electronic voucher within the set amount (step 23: ST-23).

Therefore, the merchant issues an electronic voucher and processes the same in the same manner as in Figs. 9A and 9B (step 24: ST-24).

Then, when a predetermined period of time has elapsed, the financial institution reevaluates the affiliated store in order to adjust the issuance limit of the electronic gift certificate (step 25: ST-25).

As a result of the evaluation of the merchant's merchant, it is judged whether there is a limit adjustment element (step 26: ST-26), and if there is a limit adjustment element, the limit for issuing a gift certificate is adjusted (step 27: ST-27). Register with the electronic financial product service providing server (EGC-PS) (step 28: ST-28).

9d is a flowchart illustrating a signal flow for joint purchase of electronic gift certificates. In the electronic financial product service providing system according to the present invention, multiple buyers simultaneously participate in a single electronic gift certificate having a limited sales price. I can do it.

First, when a specific customer requests a joint purchase to the electronic financial product service providing server (EGC-PS) for a specific electronic voucher (step 30: ST-30), the corresponding joint purchase request information is registered (31). In step ST-31), the desired purchase amount of the customer is registered (step 32: ST-32).

When the information is read and a third party participates in the joint purchase (step 33: ST-33), the electronic financial product service providing server (EGC-PS) checks whether the joint purchase conditions, such as a certain amount, are satisfied. It is often judged whether or not (step 34: ST-34).

At this time, if the joint purchase condition is satisfied, the gift certificate is granted (step 35: ST-35), and the given gift certificate is distributed to each buyer according to the purchase amount registered (step 36: ST-36). Register (step 37: ST-37).

On the other hand, the electronic financial product service providing system and method according to an embodiment of the present invention can also be sent to a third party as an email voucher, that is, the account for each buyer in the electronic financial product service server (EGC-PS) A certain amount of electronic vouchers in the gift voucher account may be sent to third parties, and the third parties may be notified by e-mail to specific marks on the electronic vouchers. In this case, when a specific letter is clicked on the mark, the third party's electronic gift certificate account is automatically registered in the electronic financial product service providing server (EGC-PS), so that the amount of the electronic gift certificate sent by the specific buyer is transferred. It will be appreciated that the manner is also included in the present invention.

10 is a schematic diagram showing the configuration of an electronic financial product service providing system according to another embodiment of the present invention.

Referring to this, the electronic financial product service providing system according to another embodiment of the present invention can be included in the credit card company system 200 to independently issue, distribute, and manage electronic vouchers. The providing system 2 manages the electronic voucher as described in the first embodiment, but in connection with the credit card business, it manages the account of the customer who holds the general credit card payment and the electronic voucher account simultaneously. Payment must be performed for.

In addition, the electronic financial product service providing system 2 according to the present embodiment should be first classified as a credit card service and perform payment for customer product consumption. Prior to this, in this embodiment, each merchant 10 is limited to the sale of electronic gift certificates within a certain limit, the information on the credit card company 200 so that the merchant 10 can read in real time. Is registered in the DB in the electronic financial product service providing system (2).

That is, when the purchaser 16 tries to purchase the electronic voucher of the particular merchant 10, the electronic financial product service providing system 2 provided in the credit card company 200 is the limit of the merchant 10. If it is judged whether the excess is within the limit, the electronic voucher is sold to the buyer 16.

In addition, the selling limit setting of the electronic gift certificate to the affiliated store 10 is updated for each predetermined time unit.

Therefore, the credit card company can make a payment for the electronic voucher at the same time as the normal credit card payment, thereby obtaining a predetermined fee from the merchant 10, the event for attracting customers also the merchant 10 itself As a discount event of the electronic voucher to attract long-term customers and the credit card company 200 may also perform additional discount events using the card at the same time, each can be performed separately.

Hereinafter, the entire function and operation applied to the credit card company by the electronic financial product service providing system according to the second embodiment of the present invention will be described in detail with reference to FIG.

11 is a flowchart illustrating a signal flow of an electronic financial product service providing system according to another embodiment of the present invention.

First, the credit card company 200 sets a limit on the sales amount of the electronic gift certificate for each of a plurality of affiliated stores (step 40: ST-40).

In this case, the electronic gift certificate limit set by the credit card company 200 for the plurality of affiliated stores 10 may apply various criteria such as the credit rating of the affiliated store 10, the number of customers, the discount rate, and additionally installment purchase customers of the product. There may also be restrictions on the use of electronic vouchers for.

When the customer accesses the electronic financial product service providing system 2 among the systems of the credit card company 200, reads the electronic gift certificate information provided by the plurality of affiliated stores 10, and desires to purchase the same. Step 41: ST-41), the credit card company 200 determines whether the electronic voucher information of the affiliated store 10 is within the limit of the marketable amount (step 42: ST-42).

At this time, if the electronic voucher sales limit of the affiliated store 10 is exceeded, it is impossible to sell the electronic voucher to the customer (step 43: ST-43).

If the affiliate store 10 is within the electronic voucher sales limit, the voucher is sold to the corresponding customer, thereby accounting for the electronic voucher account of the customer in the DB of the electronic financial product service providing system 2. Step 44: ST-44).

When a customer purchases an item at a specific merchant 10 or uses the electronic gift certificate and requests payment through a credit card (step 45: ST-45), the merchant 10 recalls the card number of the customer. The electronic financial product service providing system 2 provided to the credit card company 200 and provided inside the credit card company 200 determines whether the electronic gift certificate of the affiliated store exists in the customer's electronic gift certificate account. (Step 46: ST-46).

If the merchant's electronic gift certificate exists in the customer's account, the payment is completed by subtracting the amount used from the customer's electronic gift card account and updating the information (step 47: ST-47).

On the other hand, if the electronic voucher of the merchant does not exist in the customer's account, the purchase of the goods of the customer is made through the credit card business system 202 general credit card payment (step 48: ST-48).

Whether the use of an electronic voucher or a general credit card payment is managed by the credit card company, respectively, of the information on the electronic voucher for each merchant 10 is transmitted to each merchant 10 so that the merchant (10) Check this.

In addition, the payment for the merchant 10 of the credit card company 200, whether the use of an electronic gift certificate or a general credit card payment, is performed at the time when a slip for the corresponding goods consumption is received in the same manner as the existing credit card business.

Meanwhile, the electronic financial product service providing system and method thereof according to the embodiment of the present invention are not limited to the above-described embodiments, but various modifications can be made without departing from the technical gist of the present invention.

As described above, in the electronic financial product service providing system and method according to the present invention, an electronic voucher purchaser can purchase goods at a discounted amount, and the affiliated store can secure merchant marketing and operation funds and secure long-term customers in a short time. It is possible to finance the electronic vouchers paid to the merchants by loan method, so that it can be developed into a new loan product, and in some payment methods, the financial company can use a certain amount without paying interest to other investors. Can be. In addition, the buyer can have confidence because the financial company has a predetermined guarantee for the electronic voucher issued by the small merchant. In addition, various financial companies, including credit card companies, have a server for electronic voucher management, issue, distribute, and manage electronic vouchers independently, and make various payments in parallel with existing credit card business. The three companies, such as financial institutions, can generate predetermined profits centering on mutual electronic gift certificates.

Claims (20)

A subscriber station having a web browser capable of outputting various data via a data communication network consisting of an internet network or other wired / wireless communication network, and having a modem therein for communication connection with the data communication network; A financial server that manages the electronic voucher buyer's account and withdraws the purchase price for the voucher purchase and pays the merchant to pay and guarantee the sale price for the electronic voucher; A merchant terminal connected to the data communication network together with the financial server to identify the authenticity of the buyer for the electronic voucher and update the electronic voucher information; It is connected to the web server for communication access through the purchaser terminal, the financial server and the merchant terminal is connected to the data communication network consisting of an electronic financial product service providing server embedded with processing algorithms related to issuance, distribution, and settlement of electronic gift certificates. Electronic financial product service providing system characterized in that. The electronic financial product service providing server of claim 1, further comprising: a communication module configured to perform data signal processing for transmitting and receiving various data for the purchaser terminal, the financial server, and the merchant terminal; A customer identification information management unit for managing customer identification information for identifying authenticity of the customer when using the electronic gift certificate; An affiliate bank information management unit for managing affiliate bank payment methods and a plurality of affiliate bank information of each affiliate bank for electronic gift certificates; An affiliated store information management unit for managing information on the affiliated store, such as the location and size of the affiliated store of the electronic voucher issuing merchant, and a handled product; A gift certificate information management unit for managing electronic voucher information issued for each buyer, merchant, handling product, and discount rate, and discount rate information for the gift certificate; A gift certificate settlement unit that performs payment for a gift certificate, such as payment of a purchaser's electronic gift card purchase price and update of gift card information of a specific buyer in accordance with a request of a merchant terminal; A site management unit that manages and manages a website for registering merchant information and region, handling product, and discount rate information and registering the information on the web; a customer information DB storing customer identification information; An affiliate bank information DB for storing affiliate bank information and payment information; An affiliated store information DB for storing affiliated store information linked to the gift certificate information; A gift certificate information DB for storing information on the electronic gift certificate issued in association with the affiliated store information; A gift voucher settlement DB that stores settlement information of the gift voucher in association with merchant information and buyer information; Electronic financial products comprising a control unit for controlling the registration and registration information of the merchant voucher for the electronic voucher, register the electronic voucher information is sold, and the identification and settlement processing of the use from the merchant and the buyer Service delivery system. The system of claim 2, wherein the affiliate store information DB stores affiliate store information separately indicated to enable the purchaser to recognize whether the affiliate store has a homepage and a conditional gift certificate. In a method of providing a service of an electronic financial product service providing system linked to a financial company to register and issue an electronic voucher to an electronic financial product service providing server at a plurality of merchants and to withdraw the money from the buyer's account when the purchaser purchases the same. A purchaser viewing the electronic voucher information registered in the electronic financial product service providing server; Selecting a purchase number and inputting customer information such as customer identification information, account number, and trading bank when a purchase of a specific electronic gift certificate is desired; Transmitting purchase information about the buyer to the financial institution; The financial company withdraws the purchase price of the electronic voucher from the customer's deposit account and pays to the merchant; Using the electronic voucher secured by the buyer; Identifying the electronic voucher of the buyer; Updating the electronic voucher information; Electronic financial product service providing method comprising the step of transmitting the updated information to the merchant terminal. The method of claim 4, wherein the electronic gift certificate information is classified and stored by region, discount rate, business type, and handling product. 5. The method of claim 4, wherein the payment for the electronic gift certificate is performed by the financial company to guarantee the affiliated store by paying the entire payment to the affiliated store in a loan method. 5. The electronic financial product service of claim 4, wherein the payment for the electronic voucher is to be paid only by the financial company to the merchant and the remaining amount is paid when the purchaser of the electronic voucher is completed. Way. The method of claim 4, wherein the identification of the electronic voucher is performed through the identification of the gift voucher account through the purchaser identification. The method of claim 4, wherein the electronic voucher may be a conditional gift voucher that can be used when certain conditions are met according to the presentation of the affiliate store. 10. The method of claim 9, wherein the conditional electronic voucher is a condition of a certain selling price and a certain point of use. 10. The method of claim 9, wherein a condition for issuing a restriction is set at a financial company with respect to an affiliate that issues the conditional electronic gift certificate. 12. The method of claim 11, wherein the condition for issuance of the conditional electronic voucher can be increased by increasing interest on loan or remaining balance of payment. The method of claim 4, wherein the purchase of the electronic voucher can be jointly purchased by a plurality of buyers for a single electronic voucher. The method of claim 13, wherein the electronic voucher capable of joint purchase has a limit condition of a predetermined selling price. The method of claim 4, wherein the affiliated store information comprises an affiliated store logo and a map, a discount rate, and a short merchant introduction sentence, a video company introduction file, and a real-time payment button. 5. The electronic financial product service providing method according to claim 4, wherein in the issuance and use of the electronic gift certificate, the electronic gift certificate can be used only by identifying the buyer and confirming the gift certificate information without using a physical card. 5. The method of claim 4, wherein the financial institution may set a limit on issuance of the electronic gift certificate by evaluating the merchant at the time of initial registration of the merchant. 18. The method of claim 17, wherein the limit set for the electronic voucher is adjustable by reassessment of the financial company for the affiliated store. A number of merchants register and issue electronic vouchers using the electronic financial product service provision server, and withdraw the money from the buyer's account at the time of the purchaser's purchase and provide account for the electronic voucher account and general credit card business In the service providing method of the electronic financial product service providing system equipped with a system for performing a credit card at the same time The credit card company setting a limit on a sale amount of an electronic gift certificate for each of a plurality of affiliated stores; Requesting a customer to purchase an electronic voucher of a specific merchant by accessing the credit card company's electronic financial product service providing system; Determining, by the credit card company, whether or not the electronic voucher of the affiliated store is within the limit of the marketable amount; If the electronic voucher of the merchant is within the sales limit, the electronic voucher account of the customer is sold by selling the voucher to the customer; Requesting a payment through a credit card and using the electronic voucher at a specific merchant; Confirming whether the merchant's electronic gift certificate exists in the electronic gift certificate account of the customer by sending the customer's card number to the credit card company; A method of providing an electronic financial product service, comprising a process of paying for a purchase of a product of a customer by using a general credit card or an electronic gift voucher. 20. The method of claim 19, wherein the payment for the customer's purchase of the product comprises: subtracting the electronic voucher of the corresponding merchant by the amount used from the customer's electronic voucher account; If the merchant's electronic gift certificate does not exist in the customer's account, the payment for the purchase of the customer's goods further comprises the process of the general credit card payment through the credit card business system Way.