KR20050068705A - System and method for approval of a gift certificate using communications network - Google Patents

Abstract

The present invention relates to an instant payment method of a gift certificate using a communication network and a system thereof, and more particularly, to a method and system for depositing a gift certificate and immediately paying a deposit in a deposit if a simple confirmation procedure is performed when the gift certificate is paid. It is about.

The present invention has the effect of smoothly circulating the market money because it is possible to cash the goods by immediately sending the goods price to the store manager or seller account when the goods payment is reported as a gift certificate.

In addition, the payment method is made only by checking the balance of the gift certificate, it is possible to provide a new concept payment service that does not leak personal information, and since payment is the same concept as cash, it is easy to secure affiliated stores to limit the goods and places It is possible to eliminate the payment in the store directly or through the communication network, it is possible to provide a useful payment method and system that can conveniently use the gift certificate in the payment of all goods.

Description

Method of instant payment of a gift certificate using a communication network and its system {System and Method for approval of a gift certificate using Communications network}

The present invention relates to an instant payment method of a gift certificate using a communication network and a system thereof, and more particularly, to a method and system for depositing a gift certificate and immediately paying a deposit in a deposit if a simple confirmation procedure is performed when the gift certificate is paid. It is about.

In general, gift certificates that are used are issued for a specific product or a specific region, and a consumer who purchases the product is trading in a manner of purchasing a place or a product specified in the gift certificate.

In other words, the consumer pays a certain amount of the gift certificate of the company for the purchase of a gift or goods, and then exchanges the goods corresponding to the face value specified in the gift certificate with the goods in the designated area. The gift card issuer notifies or reports the issuer's unique number to the issuer and receives the notification from the seller, and pays the price described in the gift card to the seller after the verification step is completed.

Such a conventional transaction method requires a consumer to purchase a gift certificate in advance to purchase a gift certificate in consideration of the taste, preferences or ease of movement of a third party to receive the gift certificate, and the third party who receives the gift certificate is affiliated with the gift certificate issuer. There is a hassle of visiting a distributor or an agent who has concluded to purchase only the products specified in the gift certificate.

In addition, the seller can cash the gift voucher after the confirmation process of the gift voucher is issued, it may take a few days that the seller may have difficulty in financing the funds. Therefore, the seller has a problem that the original purpose of the gift certificate that the use of cash instead of cash to avoid receiving the gift voucher is useful.

Accordingly, the present invention has been made to solve the above conventional problems,

When the goods price is paid as a gift certificate and reported, the gift certificate issuer aims to provide a method and system for smoothing the money by enabling cashing by immediately transferring the money to the store manager or seller account.

In addition, it is possible to immediately cash the gift voucher is easy to secure the affiliated stores, accordingly to provide a method and system that can provide a variety of goods and a number of stores for another purpose.

In addition, the instant gift voucher system of the present invention is to provide a multi-purpose voucher immediately payment method and system that can be linked to the Internet shopping mall by operating the voucher management in the main server as another object.

Immediate payment system of gift certificates using the communication network of the present invention for achieving the above object,

A gift certificate payment system using a communication network in which a store terminal and a manager server are linked by a communication network, comprising: a gift certificate with a unique number; A store terminal for inputting a unique number of the gift certificate and / or receiving a payment completion signal; Receiving the unique number of the gift certificate through the communication network from the store terminal, the balance information corresponding to the unique number is extracted from the gift certificate information DB and sent to the store terminal and / or received the settlement completion signal input from the store terminal It characterized in that it comprises a; manager server for transferring the payment amount corresponding to the store manager account.

The communication network includes a data transmission method and a communication device for interconnecting these devices so that information can be exchanged between devices (telephones, fax machines, computers, terminals, etc.) that are geographically separated from each other. , Telephone network, computer communication network (Internet network) and so on.

The instant payment system of the gift certificate using the communication network according to the present invention comprises a store terminal and a manager server linked by the gift certificate and the communication network.

The gift certificate refers to a gift certificate of a coupon concept in which a certain amount of money is deposited rather than a general gift certificate that restricts goods and places. The gift certificate is a new concept gift certificate that can be used in the same manner as cash, that is, similar to a debit card. . Therefore, the voucher of the present invention is paid as necessary and the remaining amount is deposited in the voucher as it is. In addition, the gift certificate is assigned a unique number in such a way that the gift certificate itself and the magnetic bar or IC chip are stored in a data format.

Next, the store terminal refers to a device that can receive a unique number of the gift certificate, CAT terminal (credit inquiry terminal; credit application terminal), POS terminal (Point Of Sales terminal), general telephone, mobile bar code reader Etc. Such a store terminal receives a unique number given to a gift certificate, which is directly inputted by an input device, scanned by a magnetic bar of the gift certificate, and scanned by entering a barcode of a gift certificate. Mobile) The electronic barcode stored in the communication device can be scanned and input. In addition, the unique number input as described above is transmitted to the administrator server or the shopping mall server using a direct communication network, or transmitted to the administrator server through the server of the VAN, in the present specification will be described by omitting the transmission through the server of the VAN company. .

Lastly, the manager server includes a gift certificate information DB into which information about a gift certificate is input, a seller information DB into which seller and affiliate information is input, and a central processing unit (CPU) for controlling the flow of signals.

The gift certificate information DB stores information such as a unique number of a gift certificate, a face value of a gift certificate, a balance, and the like, and the seller information DB stores information such as affiliate and seller information, a deposit account, and a sales amount.

The manager server configured as described above receives the unique number of the gift certificate through the communication network from the store terminal, extracts the balance information corresponding to the unique number from the gift certificate information DB, and transmits it to the store terminal. The payment amount is transferred to the store manager's account.

In addition, the seller and franchisees can periodically provide sales information. That is, when the payment is made using a gift certificate, it is recorded in the seller data of the seller information DB, and it is possible to calculate the sales generated by the gift certificate by outputting it on a daily, weekly, monthly and yearly basis.

Another embodiment of the present invention the instant payment system of the gift certificate using a communication network,

A gift certificate payment system using a communication network in which a client terminal, a shopping mall server, and a manager server are connected by a communication network, the system comprising: a client terminal for storing an electronic voucher assigned a unique number or receiving a unique number from a consumer; A shopping mall server for providing goods information to the client terminal and receiving a unique number of an electronic gift certificate from a client terminal and / or receiving a payment completion signal; Receives the unique number of the electronic voucher from the shopping mall server, extracts the balance information corresponding to the unique number from the gift voucher information DB, transmits it to the shopping mall server, and / or receives the payment completion signal input from the shopping mall server and corresponds to the payment completion signal. It is configured to include; administrator server for transferring the payment amount to the merchant account of the shopping mall server.

The client terminal is a terminal connected to the Internet network, which includes a personal mobile communication device (PCS), a PDA, a personal PC, and the like, receiving and displaying information received from a shopping mall server, or transmitting a unique number of a stored electronic gift certificate. It is a device that transmits the payment completion signal to the shopping mall server by using the input device.

On the other hand, the instant payment method of a gift certificate using a communication network according to the present invention,

A payment method of a gift certificate using a communication network, comprising: an information input step of receiving, by a store terminal, a unique number of a gift certificate held by a consumer; A balance check step of receiving a unique number input in the information input step from a store terminal and receiving the balance information of the corresponding gift certificate from the gift certificate DB, and transmitting the read balance information to the store terminal; A goods payment step of displaying the balance information received in the balance confirmation step and receiving a payment signal of the goods price from the consumer who has checked the balance information; The store terminal receiving the payment signal of the goods payment step is transmitted to the manager server by the communication network, and the manager server receiving the payment signal immediately transfers the payment to the store manager account read from the seller information DB. A transfer step; The sales information providing step of the administrator server reads the sales information generated in the store or shopping mall using the gift certificate from the seller information DB, and calculates the read data for each day, month and year and transmits it to the store terminal or the shopping mall server. It is configured by.

In addition, the instant payment method of a gift certificate using a communication network as another embodiment of the present invention,

A payment method for a gift certificate using a communication network, comprising: an information input step of transmitting, by a client terminal, a unique number of a gift certificate received from a consumer to a shopping mall server; A balance check step of receiving a unique number input in the information input step from a shopping mall server and a manager server connected to a communication network, reading balance information of a corresponding gift certificate from a gift certificate DB and transmitting the balance information to a shopping mall server; The balance information received in the balance confirmation step is transmitted to the client terminal through the shopping mall server, and the client terminal displays the received balance information and receives the payment signal of the goods price; The shopping mall server receiving the payment signal of the goods payment step from the client terminal transmits the payment signal to the manager server, and the manager server receiving the payment signal immediately transfers the payment amount to the seller account read from the seller information DB. A goods payment step; The sales information providing step of the administrator server reads the sales information generated in the store or shopping mall using the gift certificate from the seller information DB, and calculates the read data for each day, month and year and transmits it to the store terminal or the shopping mall server. It is configured by.

Hereinafter, with reference to the drawings will be described in detail the instant payment method and system of the gift certificate using the communication network of the present invention.

1 is a block diagram of an instant payment system of a gift certificate using a communication network according to a preferred embodiment of the present invention, Figure 2 is a block diagram of an instant payment system showing another embodiment of the present invention, Figure 3 is a view of the present invention 4 is a block diagram of an instant payment system according to another embodiment, FIG. 4 is a data flowchart of an instant payment system according to an embodiment of the present invention, and FIG. 5 is an immediate gift voucher using a communication network according to an exemplary embodiment of the present invention. It is a block diagram showing the payment method.

As shown in FIG. 1, the instant payment system of the gift certificate using the communication network of the present invention includes a manager server 200 and a store terminal 400 connected to the communication network 700.

The manager server 200 is a central processing unit for controlling the signal flow of the gift certificate information DB (210) that stores the information on the gift certificate and the seller information DB (220) that stores the information of the seller or store manager and its signal flow; Device), and the terminal 400 is a terminal installed in a convenience store, a personal store or a department store store.

When the system 100 is configured as described above, the customer (client) visits the store, selects the goods, and presents the gift certificate 300 as the price of the goods. The store terminal 400 scans or inputs the magnetic bar or barcode of the gift certificate 300. The unique number of the gift certificate is input by the direct input method to the device.

The unique number entered in the store terminal 400 is transmitted to the manager server 200 through the communication network.

The input module 231 of the manager server 200 receives a unique number through the input / output unit 240, and the data reading module 232 receives data (balance information) corresponding to the unique number from the gift certificate information DB 210. The balance information is read and transmitted to the store terminal 400 linked to the communication network by the output module 234.

The store terminal 400 receiving the balance information displays it and confirms it to the seller, and receives the payment completion signal from the seller and retransmits it to the manager server 200. At this time, the input module 231 of the manager server receives the payment completion signal, the data reading module 232 reads the data (seller account) corresponding to the store terminal from the seller information DB 220, the conversion module 233 The price of goods included in the payment completion signal is transferred to the read merchant account, and the seller information DB 220 stores the payment details.

The account transfer is possible only when the manager server is associated with the financial server, and in the present invention, since this part is a known technology, a detailed description thereof will be omitted.

On the other hand, the manager server 200 may periodically transmit the sales information generated for a certain period to the store terminal 400. In other words, the data stored in the seller information DB 220 for each sale is transmitted to the store terminal 400 periodically, or if a request signal is received from the store terminal 400. During this period, the sales information generated from the gift certificate is read and transmitted from the seller information DB 220.

As shown in FIG. 2, the instant payment system of the gift certificate of the present invention may use an electronic gift certificate stored in a personal mobile communication device such as a PCS or a PDA.

At this time, the store terminal 400 further includes a mobile barcode reader function, so that when the electronic voucher of the bar code form stored in the client terminal 500 approaches, the store terminal 400 scans the unique number of the electronic voucher. The transmission to the manager server 200 through the communication network 700.

In addition, the gift voucher payment system of the present invention can be applied to a shopping mall.

As shown in FIG. 3, the client terminal 500, the shopping mall server 600, and the manager server 200, which are consumers, are connected to the communication network 700.

The client terminal 500 is a personal portable communication device capable of transmitting and receiving a personal PC or PCS, PDA, and the like. This is more connected to the administrator server that can check the balance of the gift certificate to the e-commerce used in the prior art.

3 and 4, when the client terminal 500 accesses the shopping mall server 600 through a communication network, the shopping mall server 600 sequentially stores the product information stored in the DB. 500).

The client terminal 500 receiving the article information selects the article and pays the article price as a gift certificate. In this case, when the gift certificate is an electronic gift certificate, the present invention may be presented in general. However, in the case of a general gift certificate (a gift certificate having a magnetic bar or an IC chip), a unique number described in the gift certificate is directly input to the input device of the client terminal 500. The method can be applied.

The unique number signal of the gift certificate is transmitted to the manager server 200 through the shopping mall server 600, the manager server 200 searches the gift certificate information DB 210 by the data reading module 232 to balance the balance of the gift certificate. The information is notified to the shopping mall server 600.

When the shopping mall server 600 notified of the result pays for the goods within the limit of the balance, and transmits a payment completion signal to the manager server, the manager server 200 receives the payment completion signal and corresponding payment amount. To immediately transfer to the shopping mall manager account read from the seller information DB (220).

On the other hand, as shown in Figure 5 the instant payment method of the gift certificate using the communication network of the present invention, information input step (S1), balance check step (S2), goods payment step (S3), goods payment step (S4) , Sales information providing step (S5).

The information input step (S1), a process of entering a unique number of the gift certificate to the store terminal by submitting a gift certificate with the price of goods after visiting the merchant selects the goods or a client that is a consumer connected to the shopping mall server to search for the goods After that, the electronic voucher is transmitted to the selected item. In this step, various methods such as direct input, magnetic bar or barcode scanning, IC chip connection, etc. may be applied to the method of inputting the unique number of the gift certificate into the merchant terminal.

Next, the balance check step (S2), the store terminal / shopping mall server that received the unique number of the gift certificate to send a unique number signal of the gift certificate to the administrator server to check the balance of the gift certificate, the unique number signal received The manager server transmits the balance information of the gift certificate corresponding to the unique number to the store terminal / shopping mall server to check whether the payment is possible.

In addition, the goods payment step (S3) is a step in which the terminal receiving the balance information or the client terminal retransmitted from the shopping mall server displays the balance information and finally receives the goods payment signal.

In addition, the goods price transfer step (S4), the shopping mall server receiving the payment signal from the store terminal or the client terminal receiving the payment signal is a step of transferring the goods price by transmitting the payment signal to the manager server. In this case, the transfer of the goods price is made of the account previously specified in the seller information DB of the manager server, and is made through the financial network.

Finally, the sales information providing step (S5) is a step in which the store or shopping mall periodically provides the sales history generated by the gift certificate. That is, the store or shopping mall can manage the sales history provided by the manager server every day, week, month, and year without separately managing the sales generated by the gift certificate.

In addition, the above-mentioned example is only an example to demonstrate this invention. Therefore, it is obvious that the ordinary skilled in the art to which the present invention pertains uses the partial change with reference to the detailed description.

As described above, the instant payment method and the system of the gift certificate using the communication network of the present invention,

When the goods price is paid as a gift certificate and reported, the gift certificate issuer immediately transfers the money price to the store manager or the seller account, thereby making it possible to cash out the market money.

In addition, the payment method is made only by checking the balance of the gift certificate, it is possible to provide a new concept payment service that does not leak personal information, and since payment of goods is the same concept as cash, it is easy to secure affiliated stores and various goods The store can be provided, and payment can be made directly at the store or through a communication network, thereby providing a useful payment method and system for conveniently using a gift certificate in payment for all the goods.

1 is a block diagram of an immediate payment system of a gift certificate using a communication network according to an embodiment of the present invention,

Figure 2 is a block diagram of an instant payment system showing another embodiment of the present invention,

Figure 3 is a block diagram of an instant payment system showing another embodiment of the present invention,

4 is a data flowchart of an immediate payment system according to an embodiment of the present invention.

5 is a block diagram illustrating a method for instant payment of a gift certificate using a communication network according to an exemplary embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: immediate payment system voucher 200: administrator server

210: gift certificate information DB 220: seller information DB

230: CPU (central processing unit) 240: input and output

300: gift certificate 400: store terminal

500: client terminal 600: shopping mall server

700: communication network

S1: Information input step S2: Balance check step

S3: Goods payment stage S4: Goods payment stage

S5: Sales information provision stage

* Not shown: 30

Claims (8)

In a gift voucher payment system using a communication network in which a store terminal and a manager server are linked by a communication network, A gift certificate 300 with a unique number; A store terminal 400 for inputting a unique number of the gift certificate and / or receiving a payment completion signal; The store terminal 400 receives the unique number of the gift certificate through the communication network 700 and extracts the balance information corresponding to the unique number from the gift certificate information DB 210 and transmits it to the store terminal 400 and / or the store terminal 400. Immediately payment system of the gift certificate using a communication network comprising a; characterized in that it comprises; manager server 200 for receiving the payment completion signal input from the furnace 400 and transfer the payment amount corresponding to the payment completion signal to the store manager account; . The method of claim 1, Entering the unique number of the gift certificate, the immediate payment system of the gift certificate using a communication network, characterized in that made by scanning the magnetic bar entered into the gift certificate. The method of claim 1, Entering the unique number of the gift certificate, the immediate payment system of the gift certificate using a communication network, characterized in that is made by scanning a gift certificate in the form of a barcode stored in the personal mobile communication device. In a gift voucher payment system using a communication network in which a client terminal, a shopping mall server, and an administrator server are linked by a communication network, A client terminal 500 for receiving a unique number from an electronic voucher to which a unique number is assigned or from a consumer; A shopping mall server 600 which provides goods information to the client terminal 500 and receives a unique number of an electronic gift certificate from a client terminal and / or receives a payment completion signal; Receives the unique number of the electronic gift certificate from the shopping mall server 600, extracts the balance information corresponding to the unique number from the gift certificate information DB 210 and transmits to the shopping mall server 600 and / or input from the shopping mall server 600 Immediately payment system of the gift certificate using a communication network comprising a; characterized in that it comprises a; manager server 200 for receiving the payment completion signal received and the payment amount corresponding to the payment completion signal to the merchant account of the shopping mall server. The method according to any one of claims 1 to 4, The manager server 200, A gift certificate information DB 210 for storing information such as a unique number of the gift certificate, a gift certificate face value, and a balance; Merchant and seller information, and the seller information DB (220) that stores information, such as deposit account, sales amount; Immediate payment system of the gift certificate using a communication network comprising a. In the payment method of a gift certificate using a communication network, An information input step (S1) of receiving, by the store terminal, a unique number of the gift certificate possessed by the consumer; The balance check step of receiving a unique number input in the information input step from the store terminal through the communication network, reading the balance information of the corresponding gift certificate from the gift certificate DB, and transmitting the read balance information to the store terminal (S2). )Wow; A goods payment step (S3) for displaying the balance information received in the balance confirmation step and receiving a payment signal of the goods price from the consumer who has confirmed the same; The store terminal receiving the payment signal of the goods payment step is transmitted to the manager server by the communication network, and the manager server receiving the payment signal immediately transfers the payment to the store manager account read from the seller information DB. Immediate payment method of a gift certificate using a communication network, characterized in that comprises a; transfer step (S4). In the payment method of a gift certificate using a communication network, An information input step S1 of transmitting, by the client terminal, the unique number of the gift certificate received from the consumer to the shopping mall server; A balance check step (S2) of receiving a unique number input in the information input step from an administrator server connected to a communication network and reading balance information of a corresponding gift certificate from a gift certificate DB and transmitting it to the shopping mall server; The balance information received in the balance checking step is transmitted to the client terminal through the shopping mall server, and the client terminal displays the received balance information and receives the payment signal of the goods price (S3); The shopping mall server receiving the payment signal of the goods payment step from the client terminal transmits the payment signal to the manager server, and the manager server receiving the payment signal immediately transfers the payment amount to the seller account read from the seller information DB. Instant payment of the gift certificate using a communication network, characterized in that comprises ;; The method according to claim 6 or 7, In the step, the sales information providing step of transmitting the sales information generated in the store or the shopping mall from the seller information DB by using the gift certificate, the settlement server reads the read data by day, month and year and transmits it to the store terminal or the shopping mall server. (S5); Immediate payment method of a gift certificate using a communication network characterized in that it further comprises.