KR20040023947A - Virtual sail coupon management system and method using of a wireless network and wire network - Google Patents

Abstract

PURPOSE: A system and a method for managing an electronic merchandise coupon using the wire/wireless network are provided to easily settle goods price by using the electronic merchandise coupon previously stored in a remote server through a mobile terminal of a customer and a member shopkeeper. CONSTITUTION: Customer mobile terminals(A1-An) include a key operation part and a display part. Member shopkeeper mobile terminals(B1-Bn) include the key operation part and the display part. A mobile communication server(MCS1) processes data in order to make the customer mobile terminal and the member shopkeeper transceive the data related to the electronic merchandise coupon. An electronic merchandise coupon management server(EMCMS) issues/distributes the electronic merchandise coupon and manages the settlement by connecting to the mobile terminals and the mobile communication server.

Description

Electronic Gift Certificate Management System using Wired / Wireless Network and its Management Method {VIRTUAL SAIL COUPON MANAGEMENT SYSTEM AND METHOD USING OF A WIRELESS NETWORK AND WIRE NETWORK}

The present invention relates to an electronic gift certificate management system using a wired / wireless network and a management method thereof, and more specifically, to issue an integrated and individual electronic gift certificate using a wired / wireless network and to pay using the gift certificate through a mechanically weak merchant. By processing the merchant registration in real time, electronic vouchers using wired / wireless networks to increase sales of merchants using electronic gift certificates, convenience of customers' payment, and automatic calculation of sales through gift certificates. A management system and its management method.

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 in the process of establishing a system for promoting merchants through online sites or booklets of credit card companies.

Such a promotional system is established to meet the desired benefits of both parties, and the credit card company can attract new card issuing customers based on the discount rate of the merchant, while simultaneously marketing the credit card. There is an advantage in that it can easily attract a large number of customers by marketing agency at credit card companies for discount rate.

However, the customer of the merchant that subscribed to the credit card affiliate system is the first reason, not a long-term customer, and whether the majority of customers are affiliated with the credit card company, and confirms whether or not to purchase goods or visit the store. There is a problem that the effectiveness of marketing through credit card companies is inadequate for the second reason.

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 reason that gift vouchers were mainly used for gifts is that gift vouchers are large distributors (department stores, etc.), so gift vouchers that are more expensive than daily necessities were sold separately.

In addition, there is a problem that there is no way to prevent the loss through a separate loss processing when such offline gift certificate, and there is a problem that it is incompatible with other gift certificates.

On the other hand, when gift vouchers need to be presented in the absence of a voucher purchase cost, there is a problem in that the procedure is very cumbersome since the vouchers need to purchase a voucher again after receiving a certain amount of loan from the financial sector.

In order to solve this problem, an electronic gift voucher system may be introduced, but the electronic voucher system also has a problem that payment of the gift voucher is impossible in the existing card payment terminal.

The present invention has been made in view of the above-described circumstances of the prior art, and facilitates payment for commodity price using an electronic voucher previously stored in a remote server through a mobile terminal of a customer and a merchant's mobile terminal. The purpose of the present invention is to provide an electronic gift certificate management system using the wireless network and its management method.

Another object of the present invention is to manage the integrated electronic gift certificates that can be universally settled at a number of merchants, and individual electronic gift certificates that can be issued and managed individually according to the intention of the merchants, the payment processing and electronic gift certificates account The present invention provides an electronic gift certificate management system using a wired / wireless network that manages distribution and settlement of electronic gift certificates and a management method thereof.

Another object of the present invention is an electronic voucher management system using a wired / wireless network for managing the issuance and distribution of electronic vouchers to enable easy payment using electronic vouchers for online electronic commerce on a customer's computer through a web network. To provide a management method.

Another object of the present invention is to store the electronic voucher information and the payment using a separate gift card dedicated card for storing a plurality of electronic voucher information to enable the payment for the electronic voucher using the existing card payment terminal provided in the merchant An electronic gift certificate management system using a wired / wireless network to be managed and a management method thereof are provided.

Another object of the present invention is to use a wired / wireless network that allows payment for commodity prices by purchasing electronic vouchers from negative cards, credit cards, and various loan products that are linked in advance when purchasing electronic vouchers through a wired / wireless network. An electronic gift certificate management system and its management method are provided.

Another object of the present invention is to pre-set the 1 / N lottery ticket to the remote server to give a benefit every certain number of times when purchasing the electronic voucher, in the case of a gift 1 / N lottery is attributed to the presenter and only the electronic gift voucher to the gift recipient The present invention provides an electronic gift certificate management system using a wired / wireless network designed to promote electronic gift certificate distribution and a management method thereof.

Another object of the present invention is an electronic gift certificate management system using a wired / wireless network aimed at facilitating the distribution of electronic gift certificates by linking a plurality of financial institutions so that payments can be made immediately to merchants who have received electronic gift certificates as payments for goods. The management method is provided.

1 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention,

2 is a diagram illustrating a data processing state of an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention;

3A to 3I illustrate screen information output to a mobile terminal of a customer in an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention;

4A to 4D illustrate screen information output to a mobile terminal of a merchant in an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention;

5 is a block diagram showing the configuration of an electronic gift certificate management server using a wired / wireless network according to the first embodiment of the present invention;

6A and 6B are flowcharts illustrating signal flows of an electronic gift certificate management system using a wired / wireless network according to an embodiment of the present invention;

7 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a second embodiment of the present invention,

8 is a state diagram illustrating a data processing state of an electronic gift certificate management system using a wired / wireless network according to a second embodiment of the present invention;

9 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a second embodiment of the present invention;

10 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a third embodiment of the present invention;

11 is a state diagram illustrating a data processing state of an electronic gift certificate management system using a wired / wireless network according to a third embodiment of the present invention;

12 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a third embodiment of the present invention;

13 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a fourth embodiment of the present invention;

14 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a fourth embodiment of the present invention;

15 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a fifth embodiment of the present invention;

16 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a fifth embodiment of the present invention.

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

A1-An: customer mobile terminal, B1-Bn: merchant owner mobile terminal,

MCS1: Mobile communication server, BS1 to BSn: Financial server,

EMCMS: Electronic Gift Certificate Management Server.

In order to achieve the above object, according to a preferred embodiment of the present invention, the key control unit for performing key operation for outputting the purchase signal and gift certificate account information, payment method selection, lottery result output, electronic voucher usage history for the electronic gift certificate; A customer mobile terminal having a display unit for screen output of the information; A franchise owner mobile terminal each having a key operation unit for performing various key operations so as to receive payment information for a product price of a customer and sales information for a daily gift certificate, and a display unit for outputting screens of the information; A mobile communication server configured to perform data processing to transmit and receive various electronic gift certificate related data to the customer mobile terminal and the affiliated store owner mobile terminal; An electronic gift certificate management system using a wired / wireless network is provided comprising an electronic gift certificate management server which is connected to the customer mobile terminal, a merchant owner's mobile terminal, and a mobile communication server to issue an electronic gift certificate and manage its distribution and payment. do.

Preferably, the electronic voucher management server stores the image data for the electronic voucher therein, integrated vouchers that can be used as a commodity price in a number of merchants, and can be used exclusively in the merchant at the request of a particular merchant There is provided an electronic gift certificate management system using a wired / wireless network, characterized in that issuing individual electronic gift certificates.

Preferably, the electronic voucher management server is a wired / wireless network, characterized in that the customer receives the mobile terminal number and the purchase method data (online deposit / communication charges / credit payment, etc.) and password from the customer mobile terminal to register; An electronic gift certificate management system is provided.

Preferably, the electronic voucher management server checks the order number automatically when the voucher is purchased or the payment of the voucher to provide a benefit to the customer when the purchase or payment in a particular order (aka: 1 / N lottery, Slot machine lottery) is provided an electronic gift certificate management system using a wired / wireless network, characterized in that provided.

Preferably, the electronic voucher management server is a wired / wireless network, characterized in that to establish a database to store the gift certificate information, payment details, reserve information, lottery winning result information, etc. in the mobile terminal number of the customer when purchasing or payment of electronic vouchers An electronic gift certificate management system is provided.

Preferably, the electronic voucher is a digital gift voucher using a wired / wireless network, characterized in that the processing of the transfer to the third party for a fee or free gift received the mobile terminal number of the subject of the gift to automatically account for a new voucher account. A management system is provided.

Preferably, a gift certificate account for each customer established in the electronic gift certificate management server is provided with an electronic gift certificate management system using a wired / wireless network, characterized in that the logo of a plurality of merchants is pre-stored as a gift certificate image.

Preferably, the electronic voucher management server is an algorithm, a security module, a firewall, etc. for matching protocols in order to transmit and receive various gift certificates related data to the customer mobile terminal and merchant mobile terminal via a wired / wireless data communication network Communication module provided in the form; A member information management unit for managing the customer information and affiliated store owner information during registration and payment; An affiliated store registration unit that registers the affiliated store information with the affiliated mobile station number and performs the affiliated store registration processing; An electronic gift certificate sales management unit which manages the sale of the integrated electronic gift certificate and the individual electronic gift certificate, performs payment processing thereof, and stores and stores information on the electronic gift certificate; A gift certificate sales agent for registering and managing individual electronic gift certificate information in association with a merchant and performing daily sales management and summation payment processing thereof; A payment management unit configured to manage payment for the gift voucher of the customer, payment for the gift voucher for the goods purchase price, and payment management to the merchants; An affiliated store information management unit managing affiliated store information in association with the affiliated mobile station number of the affiliated store; A member information DB for storing member identification information, payment information, and mobile terminal information; An affiliated store information DB for storing affiliated store information and affiliated store owner mobile terminal information; A gift certificate DB for each member for storing member gift certificate account information; A payment DB for storing payment information on the gift certificate of the member, payment information on the purchase of goods using the gift certificate, and payment information on the gift certificate for the merchant; Payment information DB for storing the gift card price information paid to the affiliates when a certain period of arrival; An individual gift voucher DB for storing information on individual gift certificates individually issued by the affiliated shop in association with each affiliated shop and affiliated store owner information; The process of registration of customer's membership and purchase of electronic voucher, payment of goods using the electronic voucher, and processing of member registration, individual voucher issuance, reserve provision, etc. There is provided an electronic gift certificate management system using a wired / wireless network comprising a control unit for controlling overall gift certificate management, such as distribution of a gift certificate, payment of a gift certificate through a mobile terminal, and payment history data transmission processing.

On the other hand, the present invention is a process for the customer to sign up for the electronic voucher management server using a mobile terminal; Searching for gift certificate information and inputting gift certificate purchase information; Selecting a payment method for the gift certificate; The electronic voucher management server accounting for the electronic voucher account based on the number of the customer mobile terminal; Requesting a payment from the electronic voucher management server for the customer to pay for the product purchase price or the service price at the merchant; Determining whether the gift voucher balance is greater than the price to be paid in the customer's account by receiving the request signal, the merchant number, and the password; Performing payment processing; Simultaneously transmitting the payment information to the customer mobile terminal and the merchant owner mobile terminal; Transmitting the gift certificate account update information of the customer to the customer mobile terminal; Electronic payment using a wired / wireless network, characterized in that the payment for the product price and service price of the merchant using the gift certificate and the transfer of the payment to the merchant bank account when the contracted date has arrived A voucher management method is provided.

Preferably, the customer registration process is a wired / wireless network, characterized in that for entering the member information, the mobile terminal number of the member, the password to build a database for each member in the electronic gift certificate management server An electronic gift certificate management method is provided.

Preferably, the voucher payment method is an electronic voucher management method using a wired / wireless network, characterized in that the online payment, the sum of the communication fee, credit payment.

Preferably, the merchant owner issuing the individual gift certificate issuance request to the electronic gift certificate management server through the mobile terminal; The electronic voucher management server issuing an individual electronic gift certificate of the affiliated store; There is provided an electronic voucher management method using a wired / wireless network, characterized in that it further comprises the step of transmitting the sale registration information to the merchant owner mobile terminal.

Preferably, at the time of purchase or payment of a gift certificate, the electronic voucher management server to calculate the purchase order or payment order of the gift certificate of the customer; Determining whether or not the winning lottery ticket is won; An electronic gift certificate management method using a wired / wireless network is provided, further comprising the process of providing the winning result to the mobile terminal of the customer.

Preferably, the process of selecting a particular electronic gift certificate entered into the electronic gift certificate account; Inputting a mobile terminal number of a target to receive the gift certificate; Inputting a gift message; There is provided a method for managing an electronic gift certificate using a wired / wireless network, further comprising providing a use password of the gift certificate.

On the other hand, the present invention is a key operation unit for performing a key operation for outputting the purchase signal and gift certificate account information, payment method selection, lottery result output, electronic voucher usage history output, product information provided by the e-commerce server for the electronic gift certificate; A customer computer terminal having a display unit for screen output of the information; Electronic commerce provided with a key control unit for performing various key operations so as to receive payment information about the price of the product and sales information for daily gift certificates, and a display unit and a communication module for displaying the information on the screen. A server; Issuing an electronic voucher for the customer computer terminal and the e-commerce server, the distribution and payment management is performed in the customer computer terminal and the e-commerce server, and the payment for the electronic commerce company is configured as an electronic gift certificate management server An electronic gift certificate management system using a wired / wireless network is provided.

On the other hand, the present invention comprises the steps of accounting for a gift certificate account in accordance with the customer's gift card purchase signal through a computer terminal; Selecting a product placed on a specific e-commerce server; Generating a payment request signal for the product; Automatically linking up to the electronic voucher management server; Generating an electronic voucher payment request signal; Performing a settlement process for the gift certificate account; Transmitting the payment information to the customer terminal and the e-commerce server; Provided is an electronic gift certificate management method using a wired / wireless network, which comprises a process of transmitting gift certificate account update information to a customer terminal.

Preferably, in order to purchase a gift certificate using a credit loan or a negative loan, the electronic gift certificate management server is provided with an electronic gift certificate management system using a wired / wireless network, characterized in that a separate credit card company server is further included.

Preferably, the electronic voucher management server is provided with an electronic voucher management system using a wired / wireless network, characterized in that it further comprises a financial server for providing the merchant voucher payment payment in real time.

On the other hand, the present invention and a gift certificate dedicated payment card for storing electronic gift certificate account information; A card payment terminal provided in an affiliated store for reading the gift card payment card information; A card authentication server for performing card authentication and transmitting payment information to the financial company according to the header data of the card information; And an electronic gift certificate management server configured to be connected to the card payment terminal and the card authentication server, respectively, to receive account information and payment amount information from the card payment terminal, and to perform a payment at the merchant with a machine-defined gift certificate. An electronic gift certificate management system using a wired / wireless network is provided.

The present invention also provides a process for accounting an electronic gift certificate account through membership registration and voucher purchase; Inserting a gift card payment card into a card payment terminal to generate payment information; Performing card authentication by receiving corresponding account information and payment information; Interfacing payment information to an electronic gift certificate management server according to the header data of the account information; There is provided an electronic voucher management method using a wired / wireless network, characterized in that the payment process through the electronic voucher according to the account information.

EMBODIMENT OF THE INVENTION Hereinafter, 1st Embodiment of this invention is described in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention.

Referring to this, the electronic voucher management system using a wired / wireless network according to the first embodiment of the present invention for the product price using the electronic voucher previously stored in the remote server via the mobile terminal of the customer and the merchant's mobile terminal Make payment easy.

In addition, it manages an integrated electronic gift certificate that can be universally settled at multiple merchants and an individual electronic gift certificate that can be issued and managed individually according to the intention of the merchant. Distribution and payment processing of gift certificates.

Therefore, in the electronic gift certificate management system using the wired / wireless network according to the first embodiment of the present invention, the purchase signal and gift certificate account information output, payment method selection, lottery result output, electronic voucher usage history output for the electronic gift certificate Provided are customer mobile terminals A1 to An each provided with a key operation unit for performing an operation and a display unit for outputting the screen of the information. The customer mobile terminals A1 to An are generally included in wireless mobile terminals such as cellular phones, PCS, satellite mobile terminals, and PDAs.

In addition, the electronic voucher management system using a wired / wireless network according to the first embodiment of the present invention includes a key operation unit for performing a variety of key operations to receive payment information for the price of goods and sales information due to daily vouchers and In addition, affiliated store owner mobile terminals B1 to Bn provided with display units for screen output of the information are provided.

Meanwhile, the electronic voucher management system using the wired / wireless network according to the first embodiment of the present invention transmits and receives various electronic voucher related data to and from the customer mobile terminals A1 to An and the affiliated owner mobile terminals B1 to Bn. A mobile communication server (MCS1) is provided to perform data processing so as to be connected to the customer mobile terminals (A1 to An), merchant mobile terminals (B1 to Bn), and mobile communication server (MCS1) to issue electronic gift certificates. An electronic gift certificate management server (EMCMS) that performs distribution and settlement management is provided.

The electronic voucher management server (EMCMS) stores the image data for the electronic voucher therein, and can be used exclusively in the merchant at the request of the specific merchant and integrated vouchers that can be used as a commodity price in a number of merchants An individual electronic gift certificate is issued and payment processing is performed with the gift certificate upon request of the subscriber.

When a customer wants to purchase a gift certificate through the electronic gift certificate management server (EMCMS), the customer's mobile terminal (A1 to An) number is provided to receive the corresponding gift certificate image and send a payment signal later. The fee is added to the electronic voucher management server (EMCMS) and registered together with the sum / credit payment). Then, the electronic gift certificate management server (EMCMS) registers the number of the customer's mobile terminal with the identification code of the customer.

When a customer accesses the electronic gift certificate management server (EMCMS) using the customer mobile terminals A1 to An and makes a payment request, the electronic gift certificate management server (EMCMS) checks the mobile terminal number of the customer. When the gift voucher information is read and the product payment price is smaller than the gift voucher balance, the payment confirmation signal is simultaneously transmitted to the corresponding customer mobile terminals A1 to An and the affiliated owner mobile terminals B1 to Bn. Then, the processing to pay the merchant to the merchant later.

Therefore, the electronic voucher according to the present invention can be used even when there is no separate card payment terminal in the affiliated store, and even in the case of a non-merchant store, the affiliated store can be registered in real time by using the mobile terminal B1 to Bn. Do. In addition, it is very convenient because the customer can pay the bill even without carrying a separate card.

Meanwhile, in the electronic gift certificate management server (EMCMS), a lottery that checks the order number automatically at the time of purchase or payment of the gift certificate and provides a benefit to the customer when purchasing or paying at a specific order (aka: 1 / N) Lottery) algorithm.

The 1 / N lottery is a lottery that provides a certain percentage of the net profit secured by a merchant as a promotional cost, and provides the accumulated amount to customers at a certain time at the time of settlement.The merchant is to secure more customers. The electronic gift certificate management server (EMCMS) is for activating the electronic gift certificate.

In this case, regardless of the type or net profit of the product can be provided to the customer, the 1 / N lottery is driven at the time of purchase or payment of electronic vouchers to automatically transmit the result to the customer mobile terminal (A1 ~ An). .

In addition, the electronic voucher management server (EMCMS) can be added to the slot machine lottery in addition to the 1 / N lottery, the slot machine lottery is a number of merchant logos or advertisements are arranged in a checkerboard and the same logo or advertisement arrangement form If it is a straight line, it is determined that the lottery has been won and pay the prize to the customer. In this case, the money of the winnings should be taken from the merchant's promotional expenses, like the 1 / N lottery.

On the other hand, the electronic gift certificate management server (EMCMS) can be provided separately from the merchant or provide a certain percentage of the reserve when purchasing the integrated electronic gift certificate, the reserve information is stored together in each customer's gift certificate account. Gift certificate information is stored based on the mobile terminal number of the customer, the gift certificate information, payment details, reserve information, lottery winning result information, etc. are stored in the mobile terminal number of the customer.

In addition, the electronic voucher can be transferred to the third party for a fee or gifted free of charge, and at the time of transfer or gift, the electronic voucher management server (EMCMS) receives the gift terminal's mobile terminal number to account for a new voucher account. do. Detailed description thereof will be described later.

2 is a diagram illustrating a data processing state of an electronic gift certificate management system using a wired / wireless network according to the first embodiment of the present invention.

Referring to this, the customer transmits a gift certificate purchase signal to the electronic gift certificate management server (EMCMS) using the mobile terminals A1 to An. At this time, the customer mobile terminals A1 to An access the electronic gift certificate management server EMC in advance to search for and select a gift certificate type.

The types of gift certificates are largely composed of integrated e-gift vouchers and individual e-gift vouchers. The integrated e-gift voucher is a gift voucher that enables general payments for the merchandise price at a number of merchants, and individual e-gift vouchers are required to be issued by specific merchants. It is an electronic gift certificate that can be used only at merchants. In the case of an individual electronic gift certificate, the affiliated store owner may provide a separate discount rate as an event property, and the discount rate management and payment management may be performed by the electronic gift certificate management server (EMCMS).

The customer must access the electronic voucher management server (EMCMS) to register the member before the purchase of the gift voucher. When registering, the customer must input the member's mobile terminal number as well as the member information. In the electronic gift certificate management server (EMCMS), a database is established based on the mobile terminal number for each member instead of a separate ID.

When the membership is completed, the integrated electronic gift certificate or an individual electronic gift certificate is selected in the state of being connected to the electronic gift certificate management server (EMCMS), and in the case where the individual electronic gift certificate is selected among them, it is registered in the electronic gift certificate management server (EMCMS). Select a merchant from which you want to purchase a gift certificate.

When the gift voucher selection is complete, you will have to choose how you want to pay for the voucher. The electronic voucher management server (EMCMS) can be paid for the gift voucher price is online deposit, communication charges, credit payment and the like. That is, a method of making a direct payment to the electronic gift certificate management server (EMCMS) online, processing the customer's mobile terminals A1 to An to the service provider's communication fee, or making a credit payment using a credit card. Etc.

When payment for the gift certificate is completed, the electronic gift certificate management server (EMCMS) establishes a database by accounting the electronic gift certificate account based on the number of the corresponding customer mobile terminals A1 to An.

In addition, the merchant is an integrated gift certificate issued by the electronic voucher management server (EMCMS) is paid for the goods or services sold by the merchant and subsequently paid for the price from the electronic gift certificate management server (EMCMS), or by itself Individual electronic gift certificates can be issued to secure regular customers. In particular, in the case of the individual electronic voucher can sell the product to the holder of the electronic voucher by applying a percentage of the discount rate, the individual electronic voucher can not be used interchangeably at other merchants. And, even in the case of individual electronic vouchers issued and distributed in the electronic voucher management server (EMCMS), the payment for them to be settled and paid to the merchant at a certain period in the future.

Therefore, the affiliated store makes an individual gift certificate issuance request to the electronic gift certificate management server (EMCMS) through the mobile terminals B1 to Bn, and the electronic gift certificate management server (EMCMS) issues individual electronic gift certificates of the affiliated store and sells the gift certificate. The registration information is transmitted to the affiliated store owner mobile terminals B1 to Bn.

The customer accesses the electronic gift certificate management server (EMCMS) to pay for the purchase price of the product or the service price at the merchant, and requests payment. The request signal is authorized by the electronic gift certificate management server (EMCMS). It is determined whether the gift voucher balance is greater than the amount to be paid in the account of and the payment process is performed.

At this time, the information paid by the electronic gift certificate management server (EMCMS) is simultaneously transmitted to the customer mobile terminal (A1 ~ An) and the merchant owner mobile terminal (B1 ~ Bn). When purchasing or paying for an electronic voucher, the image of the voucher is preferably output on the screen of the mobile terminal so that the customer or the merchant owner can recognize it.

In addition, the affiliated store owner may access the electronic gift certificate management server (EMCMS) using the affiliated owner mobile terminals B1 to Bn, and then generate a request signal for transmission of sales information or daily gift voucher settlement information due to the daily gift certificate. The electronic voucher management server (EMCMS) stores the daily voucher payment information and the voucher sales information for each affiliated store in a state where it is settled in real time.

3A to 3I illustrate screen information output to a mobile terminal of a customer in an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention.

Referring to this, FIG. 3A shows an initial screen 10 displayed when accessing the electronic voucher management server EMCMS using the customer mobile terminals A1 to An. The electronic voucher information is displayed on the screen 10. Is displayed. Electronic voucher information is classified into 1.My account view, 2. Electronic voucher purchase, 3. Electronic voucher gift, 4. 1 / N lottery, 5. Electronic voucher usage history, "View My Account" button (12) If selected, the electronic voucher account information of the customer is displayed.

In addition, the "purchase electronic voucher" button 14 is a button for outputting the desired individual or integrated electronic voucher information, a sub-screen for selectively purchasing the electronic voucher. The "e-gift voucher present" button 16 is a button for outputting an information input sub-screen for selecting a specific e-gift voucher from a predetermined account of the customer and presenting it to a third party. The " 1 / N Lottery " button 18 is a button for outputting a 1 / N lottery result that is automatically driven at the time of purchase or payment of an electronic gift certificate from the electronic gift certificate management server (EMCMS). "Electronic Gift Certificate Usage History" button 20 is a button for outputting information on the electronic gift certificate usage history of the customer for each merchant and time zone.

3B is a password input screen 30 for determining whether the customer is the owner of the customer mobile terminals A1 to An when operating the button output in FIG. 3A. On the password input screen 30, the input field 32 for inputting a pre-registered password to the electronic gift certificate management server (EMCMS) is designated by the customer in advance.

FIG. 3C illustrates a screen 140 that is output when the "View My Account" button 12 shown in FIG. 3A is clicked. The screen 140 displays the account information of the corresponding customer. The information is divided into information about the integrated electronic gift certificate 142 and information about an individual electronic gift certificate 144. The information 142 for the integrated electronic gift certificate is outputted with the gift certificate information for each point of purchase, and an image 146 that is different for each gift certificate face value is additionally output.

In addition, the information 144 of the individual electronic gift certificate is output of the logo of each issuing merchant, and the face value information 148 of the individual electronic gift certificate is displayed on the side of the logo. In addition, a gift button 150 for presenting to a third party is provided at the bottom of each of the electronic gift certificates 142 and 144. Detailed description of the gift button 150 will be described later.

3D shows a screen 40 for outputting electronic voucher issuing information, on which screen 1. 1. integrated electronic voucher information, 2. individual electronic voucher information is output, respectively, and the purpose of the electronic voucher and the individual electronic voucher. Issuing merchant information of the is output. That is, an individual electronic gift card merchant is a relatively large company, and issuing merchants such as "○○ department store, ○○ liquor, △△ movers" are displayed, and when selecting the issuing merchant, specific e-gift certificate information such as a discount rate is printed. Preferably.

3E shows a payment screen 50 of an electronic gift certificate that a customer wants to purchase, and on the screen 50, a selection button 52 for selecting an electronic gift certificate to be purchased, and " online deposit, point purchase, credit purchase. And a payment method selection button 54 for selecting a payment method such as “communication fee purchase” and an input field 56a for inputting the mobile terminal A1 to An number of the payer.

Customers can pay for purchases of electronic vouchers through online bank transfer, purchase other e-gift vouchers by earning points provided for the purchase of integrated e-gift vouchers or individual e-gift vouchers, and purchase credit through credit cards. It is possible to purchase electronic vouchers in a manner that adds to the communication fee, the purchased vouchers are processed in the electronic voucher management server (EMCMS) to be received in the customer's electronic voucher account.

In addition, FIG. 3F shows that a customer can select a specific electronic gift certificate stored in the customer's account and select it to a third party while the customer is connected to the electronic gift certificate management server (EMCMS) using the mobile terminals A1 to An. The screen 60 is shown, wherein the screen 60 includes a button 62 for selecting a gift certificate, an information field 64 provided with a mobile number input box 64a of a gift recipient, and a message input box attached to a gift ( A message input information field 66 provided with 66a and a transfer button 68 are configured.

Accordingly, the customer can access the electronic gift certificate management server (EMCMS), read the account information of the customer, select a specific electronic gift certificate, enter the mobile terminal number of the gift recipient, and click the send button 68 to transmit. have.

At this time, the transmitted electronic gift certificate is output to the mobile terminal of the corresponding gift recipient in the form of an image, and the gift recipient can use the electronic gift certificate after registering separately for the electronic gift certificate management server (EMCMS). In addition, the electronic gift certificate management server (EMCMS) may additionally provide a password of the gift recipient for the gift electronic gift certificate to the corresponding mobile terminal (A1 to An) at the time of the gift of the electronic gift certificate. It is desirable to be able to change the password after signing up.

Meanwhile, FIG. 3G illustrates a screen 70 for outputting 1 / N lottery information, which is one of lotteries driven when a customer purchases or pays an electronic voucher from an electronic voucher management server (EMCMS). The gift certificate information 72 purchased by the customer and the winning information (including the winning amount information: 74) according to the order number at the time of purchase are output.

FIG. 3h is a screen 80 showing information on 1 / N (slot lottery) driven to be output on the screen of the customer mobile terminal A1 to An at the time of purchase or payment of the customer's gift certificate in the electronic gift certificate management server EMC. In bar, the screen 80 is provided with a slot bar output field 82 for outputting a plurality of slot bars, the output slot bar is a winning if a straight array 84 is made in the horizontal, vertical, diagonal direction, In the slot bar, logos or product information of a plurality of merchants are output in an image form. In addition, the payment information, the discount information of the affiliated stores, the event information is posted along with the winning result information of the 1 / N lottery and slot lottery to send to the mobile terminal (A1 ~ An) of the customer so that the advertising effect can be further enhanced. It is desirable to.

In addition, the purchase of merchandise in the affiliated stores, etc. can be paid using points (including reserves and cyber money) provided at the time of purchase of the electronic voucher or the purchase of the product using the electronic voucher, and the point information is shown in the screen shown in FIG. 90, they are roughly divided into the integrated gift certificate information 92, the individual gift certificate information 94, and the point information 96 of the individual gift certificate. The point information 96 of the individual gift certificate is classified into each affiliate store (○○ E-30P, △△ department store-20P, ○○ distribution-100P) to be databased and displayed on the screen.

4A to 4D illustrate screen information output to a mobile terminal of an affiliated store in an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention.

Referring to this, when a customer accesses the electronic gift certificate management server (EMCMS) and makes a payment for a product price or a service price, the electronic gift certificate management server (EMCMS) sends the payment information through the electronic gift certificate to the affiliated owner mobile terminal. It is provided as (B1-Bn).

The affiliated store owner must register a merchant before receiving payment from the electronic gift certificate management server (EMCMS) through mobile terminals B1 to Bn, and when the affiliated store connects to the electronic gift certificate management server (EMCMS) as shown in FIG. The registration screen 100 is output on the screens of the mobile terminals B1 to Bn.

Merchant registration screen 100 is composed of a field (102a) for inputting a business registration number, and a field (104a) for inputting a mobile number of merchants without a business registration number, in the case of a mobile number whether the entry of the business registration number Regardless, payment information of the electronic voucher must be transmitted, so all merchants must enter it. The information entered is registered in the electronic gift certificate management server (EMCMS).

Since merchants can purchase the integrated electronic gift certificate, as shown in FIG. 4B, a field 112a for inputting the quantity of the integrated gift certificate purchase is provided, and a quantity of input field 114a for applying for issuance of individual electronic gift certificates is displayed on the screen. Is output to 110. And, at the bottom thereof, a cancel button 116 and an issue button 118 are provided.

Therefore, when a merchant owner applies for issuance of an individual gift certificate to the electronic gift certificate management server (EMCMS) through the mobile terminals B1 to Bn, the electronic gift certificate management server (EMCMS) issues a separate gift certificate of the affiliated web. Or register the individual gift certificates through the wireless web network. Then, the management of sales for the agent is performed and payment management for the purchase of goods or the payment of services using the individual gift certificate is performed.

When a customer pays for an electronic gift certificate for a product or service price, the electronic gift certificate management server (EMCMS) transmits the corresponding payment information as shown in FIG. 4C, and the payment information is displayed on the mobile screen 120. It consists of a payer mobile terminal number 124, and is provided with a payment information view button 126 to check the payment information for the prepaid payment.

When the payment information view button 126 is clicked, as shown in FIG. 4D, payment information for the product price or the service price paid with the gift certificate is output, which is the payment date of the payment made with the gift certificate and the amount thereof. Information will be printed. That is, the payment date, payment amount information 132 is output on the merchant owner's mobile terminal screen 130, and a payment advance button 134 for payment is output.

Typically, merchants receive payment for the gift certificate to the electronic gift certificate management server (EMCMS) within 3 to 7 days, but if the payment is received in advance for the payment button 134, deducts a separate fee and pays the corresponding fee. You can get paid in advance. The fee calculation for it is automatically processed in the electronic gift certificate management server (EMCMS).

FIG. 5 is a block diagram showing the configuration of an electronic gift certificate management server using a wired / wireless network according to the first embodiment of the present invention.

Referring to this, the electronic gift certificate management server (EMCMS) is a communication module, member information management unit, merchant registration unit, electronic gift certificate sales management unit, gift certificate sales agent, payment management unit, merchant information management unit, member information DB, merchant information DB, member by It consists of gift certificate DB, payment DB, payment information DB, individual gift certificate DB, and control unit.

In more detail, reference numeral 200 denotes protocol matching therein for transmitting and receiving various gift certificate-related data for the customer mobile terminals A1 to An and the affiliated store mobile terminals B1 to Bn through wired / wireless data communication networks. The communication module includes an algorithm, a security module, a firewall, and the like in a package form.

Reference numeral 202 denotes a member information management unit for managing the customer information and affiliate store owner information upon registration and payment, and reference numeral 204 registers the affiliate store information with the mobile terminal number of the affiliate store owner and performs merchant registration processing. Indicates.

In addition, reference numeral 206 denotes an electronic gift certificate sales management unit that manages the sale of the integrated electronic gift certificate and the individual electronic gift certificate, performs payment processing thereof, and stores and stores information about the electronic gift certificate. It represents a gift certificate sales agency for registration management in conjunction with the daily sales management and summation payment processing.

Reference numeral 210 denotes a payment management unit that manages payment for the gift voucher of the customer, payment of the gift voucher for the purchase price of goods, and payment management to the merchant store. Reference numeral 212 denotes the merchant information and the mobile terminal number of the merchant. Represents a merchant information management unit managed in association.

Reference numeral 214a denotes a member information DB for storing member identification information, payment information, mobile terminal information, and the like, and reference numeral 214b denotes an affiliate store information DB for storing affiliate store information and affiliate store owner mobile terminal information.

Reference numeral 214c indicates a member gift certificate DB for storing member gift certificate account information, and reference numeral 214d indicates payment information for a member's gift certificate, payment information for purchase of goods using the gift certificate, and payment for gift certificate for the affiliated store. Represents a payment DB for storing information.

Reference numeral 214e represents a payment information DB for storing gift card price information paid to the affiliated store when a certain period of time arrives, and reference numeral 214f refers to an individual gift certificate issued individually by the affiliated store in association with each affiliated store and owner information. Represents an individual gift voucher DB for storing information.

Reference numeral 216 refers to the registration of the customer's membership, the purchase of the electronic voucher, the payment for the goods using the electronic voucher, and the processing of the member registration, the issuance of individual vouchers, the provision of reserves, etc. The control unit performs overall control of the gift certificate management, such as issuance, distribution of the gift certificate, payment of the gift certificate through a mobile terminal, and transmission of payment history data.

The function and operation of the electronic gift certificate management system using the wired / wireless network according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

6A and 6B are flowcharts illustrating signal flows of an electronic gift certificate management system using a wired / wireless network according to a first embodiment of the present invention.

6A illustrates a signal flow for purchase, distribution and payment of a gift certificate. First, a customer accesses the electronic gift certificate management server (EMCMS) using mobile terminals A1 to An and inputs gift certificate purchase information. To the electronic gift certificate management server (EMCMS). At this time, the customer searches in advance and selects a gift certificate type through the customer mobile terminals A1 to An.

In addition, the customer should access the electronic voucher management server (EMCMS) to be a member registration before the purchase of the gift certificate, when registering as a member, in addition to the member's mobile terminal number must be entered. The electronic gift certificate management server (EMCMS) establishes a database based on the mobile terminal number for each member, and a member authentication password for outputting gift certificate information and generating a payment signal must be directly designated by the customer.

When the membership is completed, the user can select an integrated electronic gift certificate or an individual electronic gift certificate in a state of being connected to the electronic gift certificate management server (EMCMS) and select how to pay for the gift certificate. The electronic voucher management server (EMCMS) can be paid as a gift voucher price is online deposit, communication charges, credit payments, etc. When the payment is made, the electronic voucher management server (EMCMS) is the customer mobile The electronic gift certificate account is accounted for based on the numbers of the terminals A1 to An.

If the merchant owner makes an individual gift certificate issuance request to the electronic gift certificate management server (EMCMS) through the mobile terminals B1 to Bn, the electronic gift certificate management server (EMCMS) issues an individual electronic gift certificate of the corresponding merchant and sells it. The registration information is transmitted to the affiliated store owner mobile terminals B1 to Bn. At this time, if the affiliate is not registered, the affiliated store registration and payment for the merchant owners mobile terminal (B1 ~ Bn).

When the customer requests the payment by accessing the electronic gift certificate management server (EMCMS) to pay for a product purchase price or a service price at a merchant, the request signal, the merchant number, and the password are sent to the electronic gift certificate management server (EMCMS). ) Is approved to determine whether the gift voucher balance in the customer's account is greater than the payment amount.

At this time, the information paid by the electronic gift certificate management server (EMCMS) is simultaneously transmitted to the customer mobile terminal (A1 ~ An) and the merchant owner mobile terminal (B1 ~ Bn). At this time, when purchasing or paying for the electronic gift certificate, the image of the gift certificate is output on the screen of the mobile terminal so that the customer or the merchant owner can recognize it.

At the same time, the electronic gift certificate management server (EMCMS) updates the gift certificate account information of the customer and transmits the update details to the customer mobile terminals A1 to An. When payment is made for a product price and a service price of a merchant using a gift certificate, and a contracted date arrives, the electronic gift certificate management server (EMCMS) transfers the payment to the merchant bank account.

FIG. 6B illustrates a signal flow for gift voucher sales processing and payment management, 1 / N lottery driving, and gift voucher gifts in the electronic voucher management server (EMCMS). First, the customer uses the mobile terminals A1 to An. The electronic gift certificate management server (EMCMS) is accessed, the gift certificate purchase information is inputted to the electronic gift certificate management server (EMCMS), and payment for the electronic gift certificate is made. Then, the electronic gift certificate management server (EMCMS) accounts for the electronic gift certificate account based on the numbers of the corresponding customer mobile terminals A1 to An.

At the same time, the electronic gift certificate management server (EMCMS) automatically drives the 1 / N lottery ticket or the slot lottery ticket in the order of purchase of the electronic gift certificate. For example, if a winner is generated with a probability of 1/30, the 29th customer will not win, but the 30th customer will win the lottery.

If a customer selects a specific electronic gift certificate stored in his or her electronic gift certificate account and presents it to a third party, the gift recipient information is sent to the electronic gift certificate management server (EMCMS) through the mobile terminal A1 to An of the customer. After inputting and generating a gift providing signal, the electronic gift certificate management server (EMCMS) will provide the electronic gift certificate to a specific gift subject.

At this time, the gift object information is the mobile terminal number of the gift object, the electronic gift certificate management server (EMCMS) can access the gift certificate account that the gift recipient is automatically accounted in the electronic gift certificate management server (EMCMS) to the customer. It is desirable to provide a temporary password.

In addition, the electronic gift certificate management server (EMCMS) provides the gift certificate gift information to the gift recipient mobile terminal (not shown), and allows the gift recipient to join the member. If you want to use the gift voucher received as a non-member one-time, you can use the gift voucher by using the password provided to the presenter with the gift information.

On the other hand, when a gift voucher is received from the merchant to access the electronic voucher management server (EMCMS) to pay for the purchase price or service charges, the payment request, the request signal, merchant number, password and the electronic voucher management server (EMCMS) is authorized to determine whether the gift voucher balance in the customer's account is greater than the amount to be paid.

At this time, the information paid by the electronic gift certificate management server (EMCMS) is simultaneously transmitted to the customer mobile terminal (A1 ~ An) and the merchant owner mobile terminal (B1 ~ Bn). At this time, when purchasing or paying for the electronic gift certificate, the image of the gift certificate is output on the screen of the mobile terminal so that the customer or the merchant owner can recognize it.

At the same time, the electronic gift certificate management server (EMCMS) updates the gift certificate account information of the customer and transmits the update details to the customer mobile terminals A1 to An. When payment is made for a product price and a service price of a merchant using a gift certificate and a contracted date arrives, the electronic gift certificate management server (EMCMS) transfers the payment to the bank account of the merchant.

EMBODIMENT OF THE INVENTION Hereinafter, the 2nd Example of this invention is described in detail with reference to drawings.

7 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a second embodiment of the present invention.

Referring to this, in the electronic gift certificate management system using the wired / wireless network according to the second embodiment of the present invention, a customer accesses the electronic gift certificate management server (EMCMS) using computer terminals C1 to Cn, and integrates electronics. Purchase vouchers and individual electronic vouchers. The computer terminals C1 to Cn may be used to purchase goods provided by the specific electronic commerce servers EMS1 to EMSS while surfing the web through the electronic gift certificate.

To this end, the electronic voucher management system using a wired / wireless network according to a second embodiment of the present invention, the purchase signal and gift voucher account information output, payment method selection, lottery result output, electronic voucher usage history output, electronic Provided are customer computer terminals C1 to Cn each provided with a key operation unit for performing key operation for outputting product information provided by a commerce server, and a display unit for screen output of the information.

In addition, the electronic voucher management system using a wired / wireless network according to a second embodiment of the present invention includes a key operation unit for performing a variety of key operations to receive payment information for the customer's price and sales information due to the daily gift certificate; In addition, an electronic commerce server EMS1 to EMSS provided with a display unit and a communication module for outputting a screen of the information are provided therein.

Meanwhile, the electronic gift certificate management system using the wired / wireless network according to the second embodiment of the present invention issues electronic vouchers to the customer computer terminals C1 to Cn and the electronic commerce servers EMS1 to EMSS, and distributes the same. An electronic gift certificate management server (EMCMS) that performs payment management is provided.

When a customer wants to purchase a gift certificate through the electronic gift certificate management server (EMCMS), the customer's mobile terminal number for receiving the corresponding gift certificate image and sending a payment signal later is added to the purchase method data (online deposit / communication fee / credit). Payment, etc.) and the password are transmitted to the electronic gift certificate management server (EMCMS) and registered. Then, the electronic gift certificate management server (EMCMS) registers the number of the customer's mobile terminal with the identification code of the customer. In other words, even when payment is made using a gift certificate during electronic commerce by connecting to the customer's computer terminals C1 to Cn, the payment request must be made using the customer's mobile terminal number and password.

When a customer connects to the electronic commerce servers EMS1 to EMSn, accesses the electronic gift certificate management server EMCMS using the customer computer terminals C1 to Cn, and makes a payment request, the electronic gift certificate management server EMSCMS Check the mobile terminal number and password of the customer to read the gift certificate information, and if the payment amount of the product is less than the gift voucher balance, the payment confirmation signal is simultaneously sent to the corresponding customer computer terminals (C1 to Cn) and the e-commerce server (EMS1 to EMSS). send. In the future, the payment is made to the electronic commerce company.

8 is a state diagram illustrating a data processing state of an electronic gift certificate management system using a wired / wireless network according to a second embodiment of the present invention.

Referring to this, the customer can access the electronic gift certificate management server (EMCMS) using computer terminals C1 to Cn to select and purchase the gift certificate. When the purchase request signal is applied to the electronic gift certificate management server (EMCMS), the payment request for the gift certificate is made to the customer's computer terminals C1 to Cn.

When the payment request signal is applied, the customer can use the computer terminals C1 to Cn to pay for the gift certificate through credit transfer, account transfer or negative account transfer. Describe only. The customer requests an account transfer to the financial server BS1 through the computer terminals C1 to Cn.

When the account transfer is completed, the electronic voucher management server (EMCMS) will put the electronic voucher as much as the payment amount in the voucher account of the customer and update the account information. At this time, when the customer accesses the electronic commerce servers EMS1 to EMSS using the computer terminals C1 to Cn and selects the purchase of a specific product, the e-commerce servers EMS1 to EMSS select a payment method to the customer. Do it.

Payment methods include electronic vouchers, credit cards, bank transfers, etc. In the case of electronic vouchers, additional points are additionally accumulated and various event information is output, and payment is possible using a mobile terminal. Can be.

Therefore, when the customer selects the electronic voucher payment as the payment method from the e-commerce servers EMS1 to EMSn, the payment screen of the e-commerce servers EMS1 to EMSS is automatically output so that the customer enters the mobile terminal number and password. Enter to make a payment. Payment for it is to be paid to the e-commerce company side from the electronic gift certificate management server (EMCMS) after a certain period of time.

The function and operation of the electronic gift certificate management system using the wired / wireless network according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

9 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a second embodiment of the present invention.

First, a customer can access an electronic gift certificate management server (EMCMS) using computer terminals C1 to Cn, select a specific gift certificate, and purchase it. When the purchase request signal is applied to the electronic gift certificate management server (EMCMS), the payment request for the gift certificate is made to the customer's computer terminals C1 to Cn.

When the payment request signal is applied, the customer requests the financial server BS1 to transfer the corresponding gift certificate using the computer terminals C1 to Cn. The financial server BS1 transfers the gift certificate price to the electronic gift certificate management server EMC.

When the account transfer is completed, the electronic gift certificate management server (EMCMS) inserts the electronic gift certificate as much as the payment amount into the gift certificate account of the customer and updates the account information. The account information is transferred to the computer terminals C1 to Cn of the customer. Output it.

At this time, when the customer accesses the electronic commerce servers EMS1 to EMSn using the computer terminals C1 to Cn and selects the purchase of a specific product, the electronic commerce servers EMS1 to EMSn provide the customer with a payment method (electronic Gift certificates, credit cards, bank transfers, etc.).

Therefore, when the customer selects the electronic voucher payment as the payment method in the e-commerce server (EMS1 ~ EMSS), the payment screen of the electronic gift certificate management server (EMCMS) is automatically output so that the customer enters the mobile terminal number and password To make payment.

When the payment is completed, the electronic gift certificate management server (EMCMS) transmits the payment confirmation information to the customer's computer terminals (C1 to Cn) and the electronic commerce server (EMS1 to EMSSn), and is provided in the electronic gift certificate management server (EMCMS). The lottery algorithm is operated to check the purchase or payment order of the customer's gift certificate and transmit the winning result of the 1 / N lottery and the winning result of the slot lottery to the customer computer terminals C1 to Cn. Therefore, the customer can recognize the information such as the merchant logo, discount information, event period, etc. displayed in the slot lottery or 1 / N lottery.

In addition, the electronic gift certificate management server (EMCMS) updates the customer's gift certificate account information and transmits to the customer computer terminal (C1 ~ Cn), the payment for the electronic device from the electronic gift certificate management server (EMCMS) after a certain period of time Payment will be made to the commerce company.

Hereinafter, a third embodiment of the present invention will be described in detail with reference to the drawings.

10 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a third embodiment of the present invention.

Referring to this, an electronic gift certificate management system using a wired / wireless network according to the third embodiment of the present invention can use an electronic gift certificate as a purchase price or service price of a merchant even without a customer having a separate credit card. So that the system is linked with credit card companies.

In other words, the customer uses the mobile terminals A1 to An to make a credit payment at the purchase price of the electronic gift certificate, and the electronic voucher for which the credit is settled is inserted into the customer's gift certificate account to use the mobile terminals A1 to An. Many merchants will be able to redeem this voucher.

Therefore, the electronic voucher management system using the wired / wireless network according to the third embodiment of the present invention, the purchase signal and gift certificate account information output, lottery result output, electronic voucher usage history output, credit settlement information output for the electronic gift certificate Customer key terminals A1 to An are provided which are each provided with a key control unit for performing key operation and a display unit for screen output of the information.

In addition, the electronic voucher management system using a wired / wireless network according to a third embodiment of the present invention includes a key control unit for performing a variety of key operations to receive payment information for the price of goods and sales information for the daily gift certificate and In addition, affiliated store owner mobile terminals B1 to Bn provided with display units for screen output of the information are provided.

On the other hand, the electronic voucher management system using a wired / wireless network according to a third embodiment of the present invention is provided with a credit card company server (CCS1 ~ CCSn) for credit payment for the purchase price of the gift voucher, the customer in advance credit card company server It is possible to purchase a gift card of a certain face value from the CCS1 to CCSn and freely pay it at the affiliated store by using the mobile terminals A1 to An. In this case, even if a separate credit card payment terminal is not provided in the affiliated store, payment can be made for the product price or service price of the affiliated store.

In addition, the embodiment of the present invention is connected to the customer mobile terminal (A1 ~ An), merchant mobile terminal (B1 ~ Bn), credit card company server (CCS1 ~ CCSn) to issue an electronic gift certificate and manage its distribution and payment management An electronic gift certificate management server (EMCMS) is provided.

11 is a state diagram illustrating a data processing state of an electronic gift certificate management system using a wired / wireless network according to a third embodiment of the present invention.

First, when a customer wants to purchase a gift certificate through the electronic gift certificate management server (EMCMS), the image of the gift certificate is provided, and the credit settlement process is performed on the purchase price of the gift certificate using a pre-associated credit card company server (CCS1 to CCSn). Let's do it.

When the credit settlement is made, the electronic gift certificate management server (EMCMS) inputs the gift certificate information purchased in the gift certificate account of the customer so that it can be used in merchants.

A customer mobile terminal (A1 to An) number for transmitting a payment signal is sent to the electronic gift certificate management server (EMCMS) with a password and registered. Then, the electronic gift certificate management server (EMCMS) registers the number of the customer's mobile terminal with the identification code of the customer.

When a customer accesses the electronic gift certificate management server (EMCMS) using the customer mobile terminals A1 to An and makes a payment request, the electronic gift certificate management server (EMCMS) checks the mobile terminal number of the customer. When the gift voucher information is read and the product payment price is smaller than the gift voucher balance, the payment confirmation signal is simultaneously transmitted to the corresponding customer mobile terminals A1 to An and the affiliated owner mobile terminals B1 to Bn. Then, the processing to pay the merchant to the merchant later.

The function and operation of the electronic gift certificate management system using the wired / wireless network according to the third embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

12 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a third embodiment of the present invention.

First, a customer accesses the electronic gift certificate management server EMC through the customer mobile terminals A1 to An, searches for and selects a gift certificate type, and uses the mobile terminal A1 to An to retrieve the electronic gift certificate management server. Enter the voucher purchase information in (EMCMS).

When the membership is completed, the mobile terminal number and the credit card number of the customer are selected to select the integrated electronic gift certificate or the individual electronic gift certificate in the state of being connected to the electronic gift certificate management server (EMCMS) and to pay the credit for the gift certificate. Send to the electronic gift certificate management server (EMCMS).

Then, the electronic gift certificate management server (EMCMS) transmits the mobile terminal number and the credit card number to the credit card company servers (CCS1 to CCSn) to request card payment authentication.

When the card authentication and credit settlement is made from the credit card company servers CCS1 to CCSn, the electronic voucher management server EMCC receives the information, accounts for the customer's gift certificate account, and deposits a gift certificate of the corresponding amount.

In the future, when a customer wants to make a payment using a corresponding gift certificate at a merchant, the customer generates a payment request signal to the electronic gift certificate management server (EMCMS) using mobile terminals A1 to An. Then, the electronic gift certificate management server EMCMS performs a payment process according to the request. At the same time, the 1 / N lottery ticket for the gift voucher of the customer is driven to transmit the winning result and the payment confirmation information to the customer mobile terminals A1 to An.

In addition, the electronic gift certificate management server (EMCMS) transmits the payment information of the customer to the affiliated store owner terminal (B1 ~ Bn) to display the screen. The electronic gift certificate management server (EMCMS) updates the gift certificate account information of the customer and transmits it to the customer mobile terminals A1 to An.

When the gift card payment of the customer is received from the credit card company servers CCS1 to CCSn, the electronic gift certificate management server EMCC receives the merchant voucher terminal B1 to Bn. Deposit the gift voucher. In this case, the price used at the merchant may be smaller than the price at which the customer purchased the gift certificate. That is, since the gift certificate information is stored in the electronic gift certificate management server (EMCMS) at a face value, it is used as one electronic money concept. In other words, the amount of the gift card face value (for example, 50,000 won) should not be used at the merchant.

Hereinafter, a fourth embodiment of the present invention will be described in detail with reference to the drawings.

13 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a fourth embodiment of the present invention.

Referring to this, the electronic gift certificate management system using the wired / wireless network according to the fourth embodiment of the present invention performs the distribution and settlement management of the gift certificate and adds the "immediate payment service" of the payment price using the gift certificate to the merchant. It is a system that can provide more.

In particular, when a customer purchases a gift certificate using a credit card, the use is made after the purchase, but the payment date for the merchant is about one month thereafter, so the merchant asks for the payment immediately and the electronic gift certificate. A system is added to allow the management server (EMCMS) to automatically settle a certain fee and pay the amount in advance.

Therefore, in this case, the merchant may use the "immediate payment service" for the gift voucher using the mobile terminal (B1 ~ Bn), even if the credit card payment is not received after a certain period of payment from the credit card company, You can get paid immediately so it is very convenient.

To this end, in the present embodiment, a plurality of financial servers BS1 to BSn may be linked to the electronic gift certificate management server (EMCMS) to prepay the money when using the merchant's "immediate payment service". BS1 to BSn) include the first financial sector, the second financial sector, and the third financial sector, and may include individual investors.

Meanwhile, in the present embodiment, the electronic gift certificate management server (EMCMS) is an example only when the customer makes a purchase of the gift certificate through a credit card or a negative account. Therefore, when the merchant owner applies for the "immediate payment service," It automatically retrieves the financial sector with a favorable fee and outputs the information, and if the merchant accepts it, it executes the "immediate payment service" at the corresponding fee rate.

The function and operation of the electronic gift certificate management system using the wired / wireless network according to the fourth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

14 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a fourth embodiment of the present invention.

First, a customer accesses the electronic gift certificate management server EMC through the customer mobile terminals A1 to An, searches for and selects a gift certificate type, and uses the mobile terminal A1 to An to retrieve the electronic gift certificate management server. Enter the voucher purchase information in (EMCMS).

When the membership is completed, the mobile terminal number and the credit card number of the customer are selected to select the integrated electronic gift certificate or the individual electronic gift certificate in the state of being connected to the electronic gift certificate management server (EMCMS) and to pay the credit for the gift certificate. Send to the electronic gift certificate management server (EMCMS).

Then, the electronic gift certificate management server (EMCMS) transmits the mobile terminal number and the credit card number to the credit card company servers (CCS1 to CCSn) to request card payment authentication.

When the card authentication and credit settlement is made from the credit card company servers CCS1 to CCSn, the electronic voucher management server EMCC receives the information, accounts for the customer's gift certificate account, and deposits a gift certificate of the corresponding amount.

In the future, when a customer wants to make a payment using a corresponding gift certificate at a merchant, the customer generates a payment request signal to the electronic gift certificate management server (EMCMS) using mobile terminals A1 to An. Then, the electronic gift certificate management server EMCMS performs a payment process according to the request. At the same time, the 1 / N lottery ticket for the gift voucher of the customer is driven to transmit the winning result and the payment confirmation information to the customer mobile terminals A1 to An.

In addition, the electronic gift certificate management server (EMCMS) transmits the payment information of the customer to the affiliated store owner terminal (B1 ~ Bn) to display the screen. The electronic gift certificate management server (EMCMS) updates the gift certificate account information of the customer and transmits it to the customer mobile terminals A1 to An.

When the gift card payment of the customer is received from the credit card company servers CCS1 to CCSn, the electronic gift certificate management server EMCC receives the merchant voucher terminal B1 to Bn. Deposit the gift voucher.

At this time, the electronic gift certificate management server (EMCMS) is to send the payment date information for the gift certificate use price to the merchant owners mobile terminal (B1 ~ Bn) bar, if the merchant owner wishes to receive the payment before the payment date The merchant owner may apply for an "immediate payment service" to the electronic gift certificate management server (EMCMS) using the merchant owner mobile terminals B1 to Bn.

Then, the electronic gift certificate management server (EMCMS) compares the fee rates of the plurality of financial institutions to determine the lowest payment fee information and transmits the information to the affiliated store owner mobile terminals B1 to Bn. Then, when the merchant owner receives a consent signal for this, the electronic gift certificate management server (EMCMS) to pay the corresponding price.

Hereinafter, a fifth embodiment of the present invention will be described in detail with reference to the drawings.

15 is a schematic diagram showing a schematic configuration of an electronic gift certificate management system using a wired / wireless network according to a fifth embodiment of the present invention.

Referring to this, the electronic gift certificate management system using the wired / wireless network according to the fifth embodiment of the present invention does not pay using a mobile terminal (A1 to An, B1 to Bn) of a customer or a merchant, but a plurality of gift certificate information. It is a system that allows payment for the purchase price or service price of the merchant through the card payment terminals (CSD1 ~ CSSDn) provided in the existing merchant using a gift card dedicated card (C1 ~ Cn) that can be stored.

In other words, when a customer receives and holds a gift certificate card (C1 to Cn), the customer can pay for the product at the affiliate store using the card (C1 to Cn), and possess the card (C1 to Cn). If not, the system is interlocked so that the product price can be settled using the mobile terminals A1 to An.

To this end, in the present embodiment, a card payment terminal (CSD1 to CDDn) provided in the affiliated store for reading card information of the credit card (not shown) and the gift card exclusive cards C1 to Cn is provided. A card authentication server (CIS1: so-called VAN server) which is connected to the terminals CSD1 to CSDn by wire / wireless and receives card information and payment information to perform card authentication is provided.

In addition, a plurality of financial servers BS1 to BSn that perform account transfer for the purchase price of the gift certificate of the customer are provided. Then, an electronic gift certificate management server (EMCMS) which is connected to the card payment terminals (CSD1 to CSSDn), the financial servers (BS1 to BSn), and the card authentication server (CIS1), issues an electronic gift certificate and performs its distribution and payment management. do.

The electronic gift certificate management server (EMCMS) constructs a gift certificate database by linking the card information of the issued customer with the mobile terminal (A1 to An) number, and then the card information and payment information of the customer are stored in the card payment terminal (CSD1∼). If it is transmitted through CSDn), payment processing is performed using the gift certificate account of the corresponding customer.

In addition, when a customer accesses the electronic gift certificate management server (EMCMS) using a gift certificate-dedicated card (C1 to Cn) at a merchant and makes a payment request, the electronic gift certificate management server (EMCMS) checks the card information of the customer. When the product payment price is smaller than the gift certificate balance, the payment confirmation signal is simultaneously transmitted to the corresponding customer mobile terminals A1 to An or the card payment terminals CSD1 to CSDn provided at the affiliated store. Then, the processing to pay the merchant to the merchant later.

Therefore, the electronic voucher according to the present invention can be paid using the card payment terminals (CSD1 ~ CSSDn), the equipment cost to the merchant, in which case the payment information is provided to the mobile terminal (A1 ~ An) or the card payment terminal (CSD1 to CSDn) can be provided.

Meanwhile, in the electronic gift certificate management server (EMCMS), a lottery that checks the order number automatically at the time of purchase or payment of the gift certificate and provides a benefit to the customer when purchasing or paying at a specific order (aka: 1 / N) Lottery) algorithm.

In addition, the electronic voucher management server (EMCMS) can be added to the slot machine lottery in addition to the 1 / N lottery, the slot machine lottery is a number of merchant logos or advertisements are arranged in a checkerboard and the same logo or advertisement arrangement form If it is a straight line, it is determined that the lottery has been won and pay the prize to the customer. In this case, the money of the winnings should be taken from the merchant's promotional expenses, like the 1 / N lottery.

On the other hand, the electronic gift certificate management server (EMCMS) can be provided separately from the merchant or provide a certain percentage of the reserve when purchasing the integrated electronic gift certificate, the reserve information is stored together in each customer's gift certificate account. Gift certificate information is stored based on the mobile terminal number of the customer, the gift certificate information, payment details, reserve information, lottery winning result information, etc. are stored in the mobile terminal number of the customer.

The function and operation of the electronic gift certificate management system using the wired / wireless network according to the fifth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

16 is a flowchart illustrating a signal flow of an electronic gift certificate management system using a wired / wireless network according to a fifth embodiment of the present invention.

First, when a customer makes a payment attempt using dedicated cards C1 to Cn for gift voucher payment, the card payment terminals CSD1 to CSDn of the affiliate store return the card information and the payment information to the card authentication server CIS1. To send.

At this time, since the header data of the card information includes information indicating that the card is a dedicated gift voucher payment card, the card authentication server CIS1 receives the payment data and the card information and sends the data to the electronic voucher management server ( EMCMS).

Then, the electronic gift certificate management server (EMCMS) reads the gift certificate account information of the customer through the corresponding data and compares it with the payment amount, and if the payment amount is less than the value of the gift certificate stored in the account, the payment of the gift certificate. The payment information is then transmitted to the mobile terminals A1 to An and the card payment terminals CSD1 to CSDn of the customer.

Accordingly, the customer may receive a receipt output through the card payment terminals CSD1 to CSDn and check the payment history, or check the payment history output to the mobile terminals A1 to An of the customer. In this case, if the merchant is already equipped with a card payment terminal (CSD1 ~ CSSDn) and the merchant owner does not want to join the merchant for electronic voucher payment can be replaced.

Hereinafter, a sixth embodiment of the present invention will be described in detail with reference to the drawings.

Referring to this, although not shown, an electronic gift certificate management system using a wired / wireless network according to the present invention installs a payment terminal for contactless local area communication (Bluetooth) for each affiliate store and installs a Bluetooth chip in the mobile terminals A1 to An. The integrated gift certificate (electronic money) can be distributed and settled.

For example, with the electronic voucher management server (EMCMS) accounted for the electronic voucher account that can be universally distributed in the same manner as the embodiment described above, merchant merchandise purchase price or the like through the voucher through wireless data communication as in the first embodiment. When the service fee can be settled, and at the same time, the means for making the short-range communication (Bluetooth) payment is installed in the payment terminal provided in the affiliated store and the short-range communication when the Bluetooth chip is installed in the mobile terminal A1 to An of the customer. You can also make payments immediately.

Hereinafter, a seventh embodiment of the present invention will be described in detail with reference to the drawings.

Referring to this, although not shown, an electronic gift certificate management system using a wired / wireless network according to the present invention installs a payment terminal (not shown) capable of fingerprint recognition for each merchant, and the electronic gift certificate management server (EMCMS). Access through the fingerprint payment terminal can be automatically settled in the gift voucher account of the corresponding customer account. In this case, the payment amount and details are printed on the receipt.

Therefore, the customer can easily pay without a separate card. More specifically, in the seventh embodiment of the present invention, a fingerprint recognition means is installed in a payment terminal provided in each affiliated store, and the electronic voucher management server (EMCMS) is configured based on the fingerprint data of the corresponding customer. If a gift voucher account is opened, the customer enters the fingerprint data through the merchant's fingerprint recognition payment terminal while purchasing the gift voucher in advance in the gift voucher account and inputs a payment amount to transmit the electronic voucher management server (EMCMS). ) Receives the corresponding fingerprint data and payment amount data to determine the authenticity of the customer.

Then, the voucher account information of the customer is read and compared with the settlement amount, and the settlement process is performed. The payment history is output through the payment terminal provided in the merchant. With this embodiment, it is obvious that there is no need to carry a separate credit card and there is no risk of losing it, such as a credit card.

On the other hand, the electronic gift certificate management system and a management method using a wired / wireless network according to an embodiment of the present invention is not limited to the above embodiments, but various modifications can be made within the scope without departing from the technical gist.

As described above, the electronic voucher management system using the wired / wireless network according to the present invention and the management method are based on the customer's mobile terminal number and password to the merchant terminal using the gift voucher account mechanically set on the remote server Since the payment can be made, there is an advantage that easy payment can be made without a separate card payment terminal. In particular, a delivery company can easily pay using a mobile terminal without purchasing a separate wireless card terminal, and a customer can conveniently pay a small amount of delivery goods using a payment method rather than cash.

In addition, the use of electronic vouchers, as well as additional points earned, as well as additional lottery services have an additional advantage, merchants are convenient because it automatically calculates the daily sales do not have to calculate daily. On the other hand, like a credit card payment, a particular person does not use only the payment-oriented means, but the gift can be conveniently presented as a gift voucher to the mobile terminal of the gift recipient. Therefore, even if you do not have a separate credit card, it will have the same effect as paying with a credit card at a merchant.

Claims (20)

A customer mobile device is provided with a key control unit for outputting a purchase signal and gift card account information for an electronic gift certificate, a payment method selection, a lottery result output, and a key operation for outputting an electronic gift certificate usage history, and a display unit for displaying a screen of the information. A terminal; A franchise owner mobile terminal each having a key operation unit for performing various key operations so as to receive payment information for a product price of a customer and sales information for a daily gift certificate, and a display unit for outputting screens of the information; A mobile communication server configured to perform data processing to transmit and receive various electronic gift certificate related data to the customer mobile terminal and the affiliated store owner mobile terminal; Electronic voucher management system using a wired / wireless network, characterized in that consisting of an electronic voucher management server that is connected to the customer mobile terminal, merchant mobile terminal, mobile communication server, issuing an electronic voucher and performs the distribution and payment management. According to claim 1, wherein the electronic voucher management server stores the image data for the electronic voucher therein, integrated vouchers that can be used as a commodity price in a number of merchants, and dedicated to only the merchant at the request of a particular merchant Electronic gift certificate management system using a wired / wireless network, characterized in that issuing individual electronic gift certificate that can be used as. The electronic voucher management server of claim 1, wherein the electronic voucher management server receives and registers the customer mobile terminal number, purchase method data (online deposit / communication fee, credit payment, etc.) and password from the customer mobile terminal. Gift Certificate Management System Using Wireless / Wireless Network. The lottery according to claim 1, wherein the electronic voucher management server automatically checks the order number at the time of purchase of a gift certificate or payment of the gift certificate, and provides a benefit to the customer when purchasing or paying at a specific order (aka: 1/1). N lottery, slot machine lottery) algorithm is equipped with an electronic gift certificate management system using a wired / wireless network. According to claim 1, wherein the electronic voucher management server when the purchase or payment of electronic vouchers, the voucher information, payment details, reserve information, lottery winning result information, etc. are stored in the database of the customer's mobile terminal Gift Certificate Management System Using Wireless / Wireless Network. The wire / wireless network of claim 1, wherein the electronic voucher is processed to automatically account for a new voucher account by receiving a mobile terminal number of a gift recipient when transferring to a third party or receiving a gift for free. Electronic Gift Certificate Management System. The system of claim 1, wherein each customer's gift certificate account established in the electronic gift certificate management server is pre-stored with a logo of a plurality of merchants as a gift certificate image. According to claim 1, The voucher management server is an algorithm and security module for the protocol matching, security barriers for transmitting and receiving various voucher-related data for the customer mobile terminal and merchant mobile terminal via a wired / wireless data communication network A communication module provided in the form of a package; A member information management unit for managing the customer information and affiliated store owner information during registration and payment; An affiliated store registration unit that registers the affiliated store information with the affiliated mobile station number and performs the affiliated store registration processing; An electronic gift certificate sales management unit which manages the sale of the integrated electronic gift certificate and the individual electronic gift certificate, performs payment processing thereof, and stores and stores information on the electronic gift certificate; A gift certificate sales agent for registering and managing individual electronic gift certificate information in association with a merchant and performing daily sales management and summation payment processing thereof; A payment management unit configured to manage payment for the gift voucher of the customer, payment for the gift voucher for the goods purchase price, and payment management to the merchants; An affiliated store information management unit managing affiliated store information in association with the affiliated mobile station number of the affiliated store; A member information DB for storing member identification information, payment information, and mobile terminal information; An affiliated store information DB for storing affiliated store information and affiliated store owner mobile terminal information; A gift certificate DB for each member for storing member gift certificate account information; A payment DB for storing payment information on the gift certificate of the member, payment information on the purchase of goods using the gift certificate, and payment information on the gift certificate for the merchant; Payment information DB for storing the gift card price information paid to the affiliates when a certain period of arrival; An individual gift voucher DB for storing information on individual gift certificates individually issued by the affiliated shop in association with each affiliated shop and affiliated store owner information; The process of registration of customer's membership and purchase of electronic voucher, payment of goods using the electronic voucher, and processing of member registration, individual voucher issuance, reserve provision, etc. Electronic gift certificate management system using a wired / wireless network, characterized in that the control unit for the overall control of the gift certificate management, such as distribution of the gift certificate, payment of the gift certificate through the mobile terminal, payment history data transmission processing. A customer signing up for an electronic voucher management server using a mobile terminal; Searching for gift certificate information and inputting gift certificate purchase information; Selecting a payment method for the gift certificate; The electronic voucher management server accounting for the electronic voucher account based on the number of the customer mobile terminal; Requesting payment by the customer from the merchant to the electronic gift certificate management server to pay for the purchase price of the product or the service price; Determining whether the gift voucher balance is greater than the price to be paid in the customer's account by receiving the request signal, the merchant number, and the password; Performing payment processing; Simultaneously transmitting the payment information to the customer mobile terminal and the merchant owner mobile terminal; Transmitting the gift certificate account update information of the customer to the customer mobile terminal; Electronic payment using a wired / wireless network, characterized in that the payment for the product price and service price of the merchant using the gift certificate and the transfer of the payment to the merchant bank account when the contracted date has arrived How to manage gift certificates. 10. The method of claim 9, wherein the step of registering a member includes a step of establishing a database for each member in the electronic gift certificate management server by inputting member information, mobile terminal number and password of the member. How to manage electronic voucher using wireless / wireless network. The electronic voucher management method of claim 9, wherein the voucher payment method is an online deposit, a communication fee, or a credit payment. 10. The method of claim 9, further comprising: a merchant requesting an individual gift certificate issuance request to the electronic gift certificate management server through the mobile terminal; The electronic voucher management server issuing an individual electronic gift certificate of the affiliated store; Electronic voucher management method using a wired / wireless network, characterized in that it further comprises the step of transmitting the sales registration information to the merchant owner mobile terminal. 10. The method of claim 9, wherein the electronic voucher management server calculates a purchase order or a payment order of the customer at the time of purchase or payment of the gift certificate; Determining whether or not the winning lottery ticket is won; Electronic gift certificate management method using a wired / wireless network, characterized in that it further comprises the process of providing the winning result to the customer's mobile terminal. 10. The method of claim 9, further comprising: selecting a specific electronic gift certificate stored in an electronic gift certificate account; Inputting a mobile terminal number of a target to receive the gift certificate; Inputting a gift message; Electronic gift certificate management method using a wired / wireless network, characterized in that it further comprises the step of providing a password for use of the gift certificate. Key operation unit which performs key operation for outputting purchase signal and gift certificate account information for electronic gift certificate, payment method selection, lottery result output, electronic gift certificate usage history, and product information provided by e-commerce server, and screen of the information A customer computer terminal each having a display unit for output; Electronic commerce provided with a key control unit for performing various key operations so as to receive payment information about the price of the product and sales information for daily gift certificates, and a display unit and a communication module for displaying the information on the screen. A server; Issuing an electronic voucher for the customer computer terminal and the e-commerce server, the distribution and payment management is performed in the customer computer terminal and the e-commerce server, and the payment for the electronic commerce company is configured as an electronic gift certificate management server Electronic gift certificate management system using a wired / wireless network. Accounting for the gift certificate account according to the customer's gift card purchase signal through the computer terminal; Selecting a product placed on a specific e-commerce server; Generating a payment request signal for the product; Automatically linking up to the electronic voucher management server; Generating an electronic voucher payment request signal; Performing a settlement process for the gift certificate account; Transmitting the payment information to the customer terminal and the e-commerce server; Electronic gift certificate management method using a wired / wireless network, characterized in that the process consisting of transmitting the gift certificate account update information to the customer terminal. The system of claim 1, wherein the electronic voucher management server further includes a separate credit card company server to purchase a gift voucher using a credit loan or a negative loan. The system of claim 1, wherein the electronic voucher management server further comprises a financial server for providing a merchant's voucher payment payment in real time. A gift certificate dedicated payment card for storing electronic gift certificate account information; A card payment terminal provided in an affiliated store for reading the gift card payment card information; A card authentication server for performing card authentication and transmitting payment information to the financial company according to the header data of the card information; The electronic voucher management server is configured to be connected to the card payment terminal and the card authentication server, respectively, and to receive account information and payment amount information from the card payment terminal so as to perform payment at the affiliated store with a machine voucher. Gift Certificate Management System Using Wireless / Wireless Network. Accounting for an electronic gift certificate account through membership registration and voucher purchase; Inserting a gift card payment card into a card payment terminal to generate payment information; Performing card authentication by receiving corresponding account information and payment information; Interfacing payment information to an electronic gift certificate management server according to the header data of the account information; Electronic voucher management method using a wired / wireless network, characterized in that the process of the payment processing through the electronic voucher according to the account information.