KR20120129574A - Mobile payment method using discount coupon at offline member shop - Google Patents

Mobile payment method using discount coupon at offline member shop Download PDF

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Publication number
KR20120129574A
KR20120129574A KR1020110047918A KR20110047918A KR20120129574A KR 20120129574 A KR20120129574 A KR 20120129574A KR 1020110047918 A KR1020110047918 A KR 1020110047918A KR 20110047918 A KR20110047918 A KR 20110047918A KR 20120129574 A KR20120129574 A KR 20120129574A
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payment
discount coupon
coupon
mobile terminal
merchant
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KR1020110047918A
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Korean (ko)
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정승규
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주식회사 한국사이버결제
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Priority to KR1020110047918A priority Critical patent/KR20120129574A/en
Publication of KR20120129574A publication Critical patent/KR20120129574A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

PURPOSE: A mobile payment method using a discount coupon in an offline member store is provided to offer discounted prices according to a coupon by enabling a user to use a discount coupon in a member store. CONSTITUTION: A payment mediation server(200) receives the serial number of a product from a mobile terminal or payment information extracted from the barcode of the product provided from a member store. The payment mediation server receives a payment request from the mobile terminal. The payment mediation server receives a payment unit and a discount coupon from the mobile terminal. The payment mediation server authenticates and approves the payment using discounted money which is reduced from the product price according to the amount of the coupon. The payment mediation server transmits the approval code of the payment to the mobile terminal. [Reference numerals] (100) Mobile terminal; (200) Payment mediation server; (300) Member store terminal; (400) Coupon providing server; (500) Payment server

Description

Mobile payment method using discount coupon in offline merchants {MOBILE PAYMENT METHOD USING DISCOUNT COUPON AT OFFLINE MEMBER SHOP}

The present invention relates to a mobile payment method using a discount coupon in an offline merchant, and more particularly, by visiting a customer on an offline merchant and simply scanning a barcode displayed on the product or entering a serial number of the product. The present invention relates to a mobile payment method using a discount coupon in an offline merchant that can easily perform a payment at a discounted price described in a coupon using a discount coupon that can be used at a merchant.

In general, in the offline merchants, the payment system includes a credit card, a member's card, a debit card, a check card, and a mobile terminal.

Among these various payment methods, payment using a mobile terminal is a wireless payment method using a credit card inserted into a mobile phone, and pays a fee for a product using a wireless communication payment system installed in an offline merchant.

In addition, a method of providing discount benefits or using interest-free installment benefits when using a card of a specific card company when using an electronic payment using a mobile terminal can provide a product at a relatively low price, thereby increasing price satisfaction, and providing an affiliate store (for example, For the shopping mall operator, the profit increases due to the increase in sales, and the card company can be seen as a very positive way in that it can increase the overall sales by actively promoting and utilizing its own card.

However, the payment using the conventional mobile terminal has to be equipped with a credit card in the terminal, there is a problem that payment is difficult through the terminal without a credit card. In addition, despite these various payment benefits, in the electronic payment method online, especially as the age of the customer is higher, there is a discount that can be used to purchase the relevant product on the screen provided by the shopping mall homepage. It is not easy, and in particular, the card company, which is a payment institution, is insignificant to attract the card payment for various products compared to the competitors.

The problem to be solved by the present invention is to solve the problems as described above, the object is to visit the merchant on the offline by simply scanning the bar code presented by the merchant or by entering the serial number of the product The present invention provides a mobile payment method using a discount coupon in an offline merchant that can easily perform a payment at a discounted price described in a coupon using a discount coupon that can be used at the merchant.

The technical problem of the present invention as described above is achieved by the following means.

(1) (a) the payment broker server receiving a payment request by scanning a barcode of a product provided by a mobile terminal by a mobile terminal and receiving payment information or serial number of the product extracted from the mobile terminal;

(b) the payment intermediation server selecting the payment means and the discount coupon from the mobile terminal and performing authentication and approval of the payment using the amount deducted from the product price by the amount described in the coupon; And

(c) a mobile payment method using a discount coupon in an offline affiliated store, including the step of transmitting, by the payment broker server, the approval code of the payment to the mobile terminal.

(2) The method according to claim 1,

(d) using the discount coupon in the offline merchant further comprising the step of requesting the payment broker confirmation of the payment approval from the merchant terminal receiving the payment approval code received by the mobile terminal; Mobile payment method.

(3) The method according to claim 1,

In step b, the payment intermediation server is a mobile payment method using a discount coupon in the offline merchant, characterized in that the discount coupon registered in advance in the member account of the coupon providing server from the mobile terminal.

(4) The method according to 1,

In step b, the payment intermediation server is a mobile payment method using a discount coupon in an offline merchant, characterized in that the coupon providing server from the mobile terminal to receive a coupon that can be issued immediately provided for the payment of the product.

(5) The method according to claim 1,

In step a, the barcode is a QR code, and in step c, the payment approval code is a mobile payment method using a discount coupon in an off-line merchant, characterized in that the transmission to the QR code or approval number.

(6) The method according to 1,

The discount coupon selected from the mobile terminal in step b is characterized in that the coupon providing server transmits the merchant information to use the discount coupon to the mobile terminal of the customer, the member, and registered the discount coupon issued by the merchant in the member account Mobile payment method using discount coupons in offline merchants.

(7) The method according to 1,

Payment information is a mobile payment method using a discount coupon in the offline merchant, characterized in that it comprises a product information, payment amount and merchant identification number.

(8) (a) the coupon providing server is requested to pay for the purchase of the semen coupon selected by the customer from the mobile terminal;

(b) receiving, by the coupon providing server, a payment means from the mobile terminal, generating payment basic information including the payment means, the flat coupon and the amount information, and transmitting the payment basic information to a payment brokerage server for authentication and approval; And

(c) receiving a payment approval code for the flat coupon from the payment broker server, and transmitting the flat coupon to the mobile terminal.

(9) (a) The settlement brokerage server receives payment basic information including the flat coupon and product information received by the mobile terminal according to claim 8 and entered into the merchant terminal from the merchant terminal for the product. Receiving a request for payment; And

(b) Payment intermediation server performs the authentication and approval for the flat coupon and the mobile payment method using a discount coupon in the offline merchant comprising the step of transmitting a payment authorization code to the merchant terminal.

(10) The method according to 9,

Semen coupon is a mobile payment method using a discount coupon in an offline merchant, characterized in that provided by a barcode.

(11) The method according to 9,

The authentication of the semen coupon is a mobile payment method using a discount coupon in the offline merchant, characterized in that the settlement brokerage server compares the semen coupon received from the merchant terminal and the semen coupon received from the coupon providing server is the same.

According to the present invention, a customer visits an offline merchant and simply scans a barcode presented by the affiliated store, so that payment can be easily performed at a discounted price using a discount coupon that can be used at the affiliated store.

1 illustrates a mobile payment system using a discount coupon in an offline affiliated store according to the present invention.
2 shows a mobile payment process using a discount coupon in an offline affiliated store according to the first embodiment of the present invention.
Figure 3 shows an example of the performance of the mobile payment process using a discount coupon in an offline affiliated store according to the first embodiment of the present invention.
Figure 4 shows another example of the performance of the mobile payment process using a discount coupon in the offline merchant according to the first embodiment of the present invention.
5 shows a mobile payment process using a discount coupon in an offline affiliated store according to a second embodiment of the present invention.
Figure 6 shows an example of the performance of the mobile payment process using a discount coupon in an offline merchant according to a second embodiment of the present invention.

The present invention (a) the payment intermediary server scanning the bar code of the goods provided by the mobile terminal from the merchant receiving payment information, or serial number of the goods extracted from the mobile terminal to receive a payment request;

(b) the payment intermediation server selecting the payment means and the discount coupon from the mobile terminal and performing authentication and approval of the payment using the amount deducted from the product price by the amount described in the coupon; And

(c) a payment intermediation server provides a mobile payment method using a discount coupon in an offline affiliated store comprising the step of transmitting a payment authorization code to the mobile terminal.

In the present invention, the bar code or the serial number of the product for the individual product includes a product guide provided in the merchant, for example, a menu board for a restaurant, a product for display or packaging for a general shopping mall, and a catalog for introducing other products. It may be displayed and provided in any means for providing the information of the product so that the customer can select the product or service (hereinafter collectively referred to as the product) off-line, such as various media.

The bar code includes any one bar code selected from a one-dimensional barcode, a two-dimensional barcode, and a three-dimensional barcode displayed on a product or an advertisement medium. One-dimensional barcode (1-Dimension) refers to a horizontal linear code expressing numbers or simple characters by a combination and arrangement of bars (black bars) and spaces (white bars). Such a one-dimensional barcode is arranged in a bar in the horizontal direction (X direction) only and does not contain in the vertical direction has a disadvantage in that the storage capacity of the information is limited. Two-dimensional barcode (hereinafter referred to as '2D code' for 2-Dimension) refers to a braille or mosaic code that is flattened by arranging information in both directions (X-direction and Y-direction). Restrictions can be supplemented. 2D code can encode more than 100 times higher density information of a 1D barcode into a 2D symbol in a small rectangle, and can store various types of information in the barcode, such as texts such as alphanumeric text and graphic pictures, voice fingerprint signatures. There is an advantage. At present, about 20 types of 2D codes are being developed and used. Preferably, there are four types of PDF417, DataMatrix, MaxiCode, and QR Code designated as international standard. Three-dimensional barcodes are color combination tags, for example, code developed by Microsoft (MS), which is not read by the existing two-dimensional code reader, and the app called Tag Leader distributed by MS. Can be read through. There are many file formats that support QR codes and more models that support readers.

For example, the serial number of the merchandise may be given as, for example, "ABC055000" next to the corresponding merchandise when the unique identification number of the merchant is ABC, the merchandise identification number is 05, and the price is 5000 won.

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

1 illustrates a mobile payment system using a discount coupon in an offline affiliated store according to the present invention.

Mobile payment system using a discount coupon in the offline merchant according to the present invention to the customer's mobile terminal 100, payment relay server 200, merchant terminal 300, coupon providing server 400 and payment server 500 Is done.

The mobile terminal 100 of the present invention refers to a mobile terminal occupied by a customer, and preferably scans a bar code for each product presented by an affiliate store, and connects to the settlement brokerage server 200 to the scanned barcode. The terminal is not particularly limited as long as it is a wireless data communication terminal capable of transmitting the payment information included therein and receiving a payment approval number, for example, a smartphone or a tablet PC. In the case of a product displaying the serial number of the product, such a restriction is not required and may be a typical mobile phone capable of wireless data communication.

The payment intermediation server 200 is a server operated by a PG (payment gateway) company, which acts on behalf of the electronic payment on the Internet, and is connected to the merchant terminal 300, the coupon providing server 400, and the payment server 500 through a network. And perform a process related to electronic payment using a discount coupon.

The merchant terminal 300 in the present invention means a POS terminal or a card terminal, which is usually installed in an affiliated store, for example, various marts, agencies, restaurants, shopping malls selling other specific products or services, and preferably The mobile terminal 100 is provided with a predetermined input means for inputting a received barcode or serial number of a product, and a payment approval number.

Coupon providing server 400 is a server that recruits advertisers on a wired or wireless basis and provides discount coupons issued by the advertisers through a web page at the request of a customer. At this time, the advertiser may be a card company or a mobile communication company that is a merchant or payment institution of the payment brokerage server 200.

Coupon providing server 400 may be configured as a separate physical server from the payment broker server 200, it is also possible to separate and operate only functions while configuring the same server as the physical payment broker server 200. Hereinafter, in the present invention, the coupon providing server 400 includes both of the above two cases.

The payment server 500 is a server operated by a payment institution, such as a credit card company, a mobile communication company, or a financial institution, which performs authentication and payment approval tasks related to payment of a specific product or service purchase. The server performs authentication and approval related to the payment relay server 200 and payment.

2 illustrates a mobile payment process using a discount coupon in an offline affiliated store according to the present invention.

In step 201, the issuance of the discount coupon is performed by the affiliate store or the sponsor, and the customer may confirm the coupon issuer information and the information about the discount coupon using wired / wireless communication through the homepage of the coupon providing server 400.

For example, the sponsor may include a credit card company, a mobile carrier, and the like, and refers to a company that issues a discount coupon to induce a customer to use a lot of payment methods when purchasing a product or service through affiliated stores.

In an embodiment of the present invention, the customer can access the homepage of the discount coupon server 400 online and check the available discount coupon registered at the present time. At this time, the discount coupon server 400 can be issued a discount coupon to his account only for customers registered as a member on their homepage. Hereinafter, the discount coupon issued as above is defined as a "premium discount coupon".

Alternatively, as another embodiment of the present invention, the customer may be provided with a discount coupon issued by the affiliate or sponsor in the payment process of the product or service at the affiliated store even in the absence of a pre-issued coupon. Hereinafter, this type of discount coupon is defined as "immediate discount coupon".

Step 202 includes a process in which a customer purchases a product at a merchant, and requests a payment for the product to the payment brokerage server 200 by using a mobile terminal possessed by the customer.

The customer selects a product to be purchased from each product described in the product guide (for example, a menu board) provided by the merchant, and scans the barcode displayed on the product by using the mobile terminal 100. When the serial number of the product is displayed instead of the bar code, the serial number is directly input to the mobile terminal and the data is transmitted to the payment intermediation server 200. Since the subsequent processes are the same, the following description will be made with only a barcode as an example for convenience of understanding.

The barcode includes payment information about a product, for example, a product name, a product price, and a merchant identification number, and preferably includes a URL of a payment intermediation server 200 that is automatically linked. . As a result, the mobile terminal 100 may read the payment information recorded in the scanned barcode and transmit the payment information to the payment broker server 200 to request a payment.

Step 203 includes a process in which the payment intermediation server 200 requests the mobile terminal 100 to input a payment means. In this process, the payment intermediation server 200 displays a predetermined payment window for selecting a payment method on the mobile terminal 100, and selects predetermined selection means for selecting a discount coupon for the product at a predetermined position of the payment window. Display. Accordingly, the customer selects a payment method and checks the discount coupon available at the present time through the payment window, and then selects one discount coupon and transmits it to the payment broker server 200.

Step 204 includes performing a payment process between the payment broker server 200 and the payment server 500. This process is a conventional process of performing a user authentication and approval process in the payment server 500 according to the selected payment method using the payment information received from the mobile terminal 100 and the payment broker server 200 receives the result. Proceeds to.

Step 205 includes a process in which the payment intermediation server 200 transmits a payment approval code for the product purchased by the customer to the mobile terminal 100. In this process, the payment intermediation server 200 transmits a barcode or payment approval number to the mobile terminal 100 as a payment approval code.

Step 206 includes the step of confirming the payment approval code performed in the mobile terminal 100 in the merchant terminal 300. The customer inputs the payment approval code received at the mobile terminal 100 to the affiliated store terminal 300. If the payment approval code is transmitted as a barcode, the merchant terminal 300 requires a barcode reader that reads the barcode and extracts data therefrom, and if the payment approval code is transmitted in the form of an approval number, the merchant It is sufficient to input to the input means of the terminal 300.

Step 207 includes a process of requesting confirmation of payment completion by transmitting the payment approval code inputted to the affiliated store terminal 300 to the payment broker server 200. As a result, the affiliated store terminal 300 receives the payment approval code received by the mobile terminal 100 and transmits it to the payment broker server 200, and requests that the payment approval code is valid.

Step 208 includes a process of checking whether the payment approval code is valid in the payment broker server 200 and transmitting the result to the affiliated store terminal 300. In this process, the payment intermediation server 200 compares the payment approval code received from the merchant terminal 300 with the payment approval code transmitted to the mobile terminal 100 and transmits the result to the merchant terminal 300.

3 shows an example of practical application of a mobile payment process using a discount coupon in an offline affiliated store according to the first embodiment of the present invention.

The customer in the first embodiment of the present invention may be applied regardless of whether the customer is a member of the coupon providing server 400.

First, when the customer is a member, the customer can access the website of the discount coupon server 400 online to register and select a discount coupon registered at this time and register it in his or her member account. have.

The customer purchases the product from the affiliate store using his mobile terminal 100, and scans the barcode displayed on the product guide to the mobile terminal 100 and requests the payment intermediation server 200.

The payment broker server 200 transmits a payment window 10 for selecting a payment method to the mobile terminal 100. At this time, the payment window is provided with a selection item 11 to receive a coupon discount at a predetermined position (S301).

When the customer selects the coupon discount item through the payment window displayed on the mobile terminal 100, the payment broker server 200 displays a page on which the mobile terminal 100 can immediately select one of the discount coupon and the advance discount coupon. (S302).

The immediate discount coupon is typically provided as one of the events for a predetermined period of time at the affiliated store or the sponsoring company, and in some cases, an advertisement of the affiliated store or the sponsor may be exposed in the payment window 10. This immediate discount coupon can be used even if the customer is a non-member of the coupon providing server 400. That is, at the request of the affiliated store, the coupon providing server 400 may display the contracted discount coupon on the mobile terminal 100 of the customer when the customer visits the affiliated store and purchases a product and wants to pay. In addition, the immediate discount coupon can be used in a form that can be immediately discounted if you pay a certain card company credit card, for example, the card company can induce customers to use their credit card. have.

Advance discount coupon means a coupon that is registered as a member in the coupon providing server 100 and registered in advance as a discount coupon in its member account and stored in advance, and conditions are added so that it can be used for a predetermined period. Lose. Therefore, a customer who is a member of the coupon providing server 400 can immediately request a payment by selecting an advantageous one among the discount coupon and the advance discount coupon.

If the customer selects to use the advance discount coupon in step 302, the payment brokerage server 200 requests to enter the member's identification number registered in the coupon providing server 400 (S303). At this time, the identification number of the member can be entered only the ID and password or ID.

When the customer's identification number is entered into the mobile terminal 100, the payment brokerage server 200 checks whether the member is duly subscribed by interworking with the coupon providing server 400 and receives the discount coupon information currently registered in the member account. This is displayed on the mobile terminal 100 (S304).

Accordingly, the customer selects any one of the currently available discount coupons displayed on the mobile terminal 100, selects one of the payment means displayed on the payment window, and inputs it to the payment window (S305).

The payment intermediation server 200 confirms the amount deducted by the discount price displayed on the discount coupon selected by the customer through the payment window (S306).

If the customer selects the discount coupon immediately in step 302, and selects one of the payment means displayed in the payment window, the payment intermediation server 200 immediately confirms the amount deducted by the discount price displayed on the discount coupon.

After that, when the customer agrees to the payment through the mobile terminal 100, the payment intermediation server 200 performs a normal payment process with the payment server 500.

Since the payment process and the confirmation process of the approval of the payment are the same as those described above with reference to FIG. 2, the detailed description thereof will be omitted.

The mobile payment process according to the first embodiment of the present invention allows all customers who have a mobile terminal to purchase a product at a discounted price, so that the customer purchases the product at a discounted price, and merchants and sponsors It provides the effect of being able to stand competitive advantage over competitors.

4 illustrates a mobile payment process using a discount coupon in an offline affiliated store according to the second embodiment of the present invention.

The coupon providing server 400 may provide information regarding the affiliated store where the discount coupon is issued among the affiliated stores of the neighboring branch where the customer is located at the present time to the mobile terminal 100 of the member customer.

According to this, the customer accesses the coupon providing server 400 while moving to a specific place and is located close to the current location, and requests information about an affiliated store that issues a discount coupon (S401).

In this process, even if there is no request from the customer, the coupon providing server 400 may unilaterally transmit nearby merchant information by tracking the current location of the customer. Customer location tracking can use LBS based service using mobile communication network. In this case, it is preferable that the coupon providing server 400 obtains consent on the matters related to the registration information of the customer at the time of initial membership.

The coupon providing server 400 checks the discount coupon affiliate store information near the mobile terminal 100 of the customer or unilaterally with respect to the discount coupon merchant information requested by the mobile terminal 100 of the customer in the database and recalls the information. It transmits to the mobile terminal 100 (S402).

The customer selects the discount coupon received by his mobile terminal 100 and registers it in his member account of the coupon providing server 400 (S403).

After that, the payment process for the goods in the neighboring stores is the same as previously described (S404). Therefore, a detailed description of the overlapping process will be omitted here.

In the mobile payment process according to the second embodiment of the present invention, the customer can be provided with information about an affiliated store where a customer can purchase a product at a discounted price at a nearby location, and the merchant's point of view is more than that of a neighboring competitor. It offers the advantage of attracting customers in an advantageous position.

In addition, the mobile payment method using a discount coupon in an offline affiliated store according to the third embodiment of the present invention includes a process in which a customer accesses the coupon providing server 400 to purchase and pay a discount coupon.

The purchase process of the discount coupon from the coupon providing server 400 as described above

(a) the coupon providing server 400 receives a payment request for the purchase of the discount coupon selected by the customer from the mobile terminal 100;

(b) the coupon providing server 400 receives the payment means from the mobile terminal 100, generates payment basic information including the payment means, discount coupon identification information and the amount information to the payment broker server 200. Requesting authentication for payment means and approval of payment of the discount coupon by transmitting; And

(c) the coupon providing server 400 receives a payment approval code for the discount coupon from the payment brokerage server 200, and transmits the discount coupon to the mobile terminal 100.

In the second embodiment of the present invention, the discount coupon refers to a semen coupon purchased at a discounted price. In addition, in the second embodiment of the present invention, the identification information of the discount coupon is used to mean the identification number and the amount of the discount coupon.

In addition, the mobile payment process according to the second embodiment of the present invention is a process for performing a payment for a specific product in the offline merchant using a discount coupon received from the coupon providing server 400 to the mobile terminal 100 by the above process to,

(d) The payment broker server 200 receives the discount coupon by the mobile terminal 100 according to claim 8 and inputs it to the merchant terminal 300, the identification information of the discount coupon extracted and the product information to be paid ( Receiving payment basic information, including product name, product price, merchant information, etc. from the merchant terminal 300 and requesting payment for the product; And

(b) the payment intermediation server 200 includes the step of performing the authentication and approval for payment of the discount coupon and transmitting the payment approval code to the merchant terminal 300.

The mobile payment process according to the second embodiment of the present invention will be described in detail with reference to the performance examples of FIGS. 5 and 6 as follows.

When a customer purchases a product from a merchant and wishes to make a payment, the customer first accesses the coupon providing server 400 using his mobile terminal 100 and selects a discount coupon to be purchased (S501, FIG. 6A). The discount coupon is to allow the customer to purchase a fixed amount coupon at a discounted amount in advance to pay through the merchant terminal 300. For example, a 30,000 won fixed price coupon can be purchased at a discount of 29,000 won for 1,000 won. have. To this end, the affiliated store may first determine to provide a discount coupon at a discounted price under the burden of the affiliated store through a contract with an operator of the coupon providing server 400.

When the customer selects to purchase a predetermined amount of discount coupon, the coupon providing server 400 transmits a payment window for selecting a payment method to the mobile terminal 100 (S502, FIG. 6B).

In response to this, the customer inputs a payment method to the mobile terminal 100 and requests a payment for the discount coupon (S503, FIG. 6C).

The coupon providing server 400 receiving the payment request generates payment basic information including the payment means, the discount coupon identification information, and the payment amount to the payment broker server 200 and transmits the payment broker to the payment broker server (S504).

The payment broker server 200 transmits the payment basic information to the payment server 500 to request the authentication and approval of the payment, and receives the payment approval code and transmits it to the mobile terminal 100 and the coupon providing server 400. (S505).

As payment for the discount coupon is completed, the coupon providing server 400 transmits the discount coupon purchased by the customer to the mobile terminal 100 (S506, FIG. 6D). In this case, preferably, the purchased discount coupon is transmitted as a bar code so that it can be displayed on the mobile terminal 100. The barcode includes identification information of the discount coupon.

Upon receiving the discount coupon, the customer inputs the bar code displayed on the mobile terminal 100 to the affiliated store terminal 300 and requests a payment for a product to be paid (S507).

Merchant terminal 300 extracts the identification information of the discount coupon from the input bar code, and transmits the payment basic information including the identification information and product information to be paid to the payment broker server 200 to authenticate the discount coupon and Request for payment approval (S508).

The settlement brokerage server 200 compares the identification information of the discount coupon received from the affiliated store terminal 300 with the identification information of the discount coupon received from the coupon providing server 400 and performs authentication on the discount coupon. If it is recognized as a discount coupon to approve payment for the product and transmits the payment approval code to the merchant terminal (S509).

If the payment amount of the discount coupon exceeds the product amount, the excess amount can be refunded by the merchant or credited to the customer's account of the coupon providing server 400 so that it can be used together with cash later, while the payment amount is the product If the amount is not enough, you can pay the merchant by cash separately or use the other payment method to settle the shortage according to the usual payment procedure.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. It can be understood that

100: mobile terminal
200: payment intermediation server
300: merchant terminal
400: coupon providing server
500: payment server

Claims (11)

(a) the payment broker server scanning a barcode of a product provided by a mobile terminal by a mobile terminal and receiving payment information or a serial number of the product extracted from the mobile terminal and receiving a payment request;
(b) the payment intermediation server selecting the payment means and the discount coupon from the mobile terminal and performing authentication and approval of the payment using the amount deducted from the product price by the amount described in the coupon; And
(c) a mobile payment method using a discount coupon in an offline affiliated store, including the step of transmitting, by the payment broker server, the approval code of the payment to the mobile terminal. The method of claim 1,
(d) using the discount coupon in the offline merchant further comprising the step of requesting the payment broker confirmation of the payment approval from the merchant terminal receiving the payment approval code received by the mobile terminal; Mobile payment method. The method of claim 1,
In step b, the payment intermediation server is a mobile payment method using a discount coupon in the offline merchant, characterized in that the discount coupon registered in advance in the member account of the coupon providing server from the mobile terminal. The method of claim 1,
In step b, the payment intermediation server is a mobile payment method using a discount coupon in an offline merchant, characterized in that the coupon providing server from the mobile terminal to receive a coupon that can be issued immediately provided for the payment of the product. The method of claim 1,
In step a, the barcode is a QR code, and in step c, the payment approval code is a mobile payment method using a discount coupon in an off-line merchant, characterized in that the transmission to the QR code or approval number. The method of claim 1,
The discount coupon selected from the mobile terminal in step b is characterized in that the coupon providing server transmits the merchant information to use the discount coupon to the mobile terminal of the customer, the member, and registered the discount coupon issued by the merchant in the member account Mobile payment method using discount coupons in offline merchants. The method of claim 1,
Payment information is a mobile payment method using a discount coupon in the offline merchant, characterized in that it comprises a product information, payment amount and merchant identification number. (a) receiving a request for payment of a discount coupon selected by a customer from a mobile terminal by a coupon providing server;
(b) receiving a payment means from the mobile terminal by the coupon providing server, generating payment basic information including the payment means, discount coupon identification information, and amount information and transmitting the payment basic information to a payment brokerage server for authentication and approval; ; And
(c) receiving a payment approval code for the discount coupon from the payment broker server, and transmitting the discount coupon to the mobile terminal. (a) the payment broker server receives the discount coupon from the mobile terminal according to claim 8 and receives the payment basic information including the identification information and the product information of the discount coupon extracted by inputting it to the merchant terminal from the merchant terminal; Receiving a request for payment for the product; And
(b) the payment intermediation server performs the authentication for the discount coupon and approval for payment of goods and transmits the payment approval code to the merchant terminal, the mobile payment method using the discount coupon in the offline merchant. The method of claim 8,
Discount coupon is a mobile payment method using a discount coupon in an offline merchant, characterized in that provided by a barcode. The method of claim 9,
Authentication of the discount coupon is a mobile payment using a discount coupon in the offline merchant, characterized in that the settlement brokerage server compares the discount coupon identification information received from the merchant terminal and the discount coupon identification information received from the coupon providing server to determine whether the same. Way.
KR1020110047918A 2011-05-20 2011-05-20 Mobile payment method using discount coupon at offline member shop KR20120129574A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101339661B1 (en) * 2013-07-12 2013-12-10 김대식 Mobile card payment device using nfc tags and payment system having it
KR20150053300A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150055635A (en) * 2013-11-13 2015-05-22 에스케이플래닛 주식회사 Customer-oriented system, apparatus and method for supporting product purchase
KR102301153B1 (en) * 2020-10-08 2021-09-14 머지플러스 주식회사 Method of performing a discount applied payment at an offline affiliated store through an online subscription and computer program the method

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101339661B1 (en) * 2013-07-12 2013-12-10 김대식 Mobile card payment device using nfc tags and payment system having it
KR20150053300A (en) * 2013-11-07 2015-05-18 에스케이플래닛 주식회사 System, Service Apparatus and Method for Providing Electronic Coupon using Customer Card
KR20150055635A (en) * 2013-11-13 2015-05-22 에스케이플래닛 주식회사 Customer-oriented system, apparatus and method for supporting product purchase
KR102301153B1 (en) * 2020-10-08 2021-09-14 머지플러스 주식회사 Method of performing a discount applied payment at an offline affiliated store through an online subscription and computer program the method

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