KR20150101007A - Payment System which coupon is automatically applied, user terminal, payment terminal and device for providing coupon - Google Patents
Payment System which coupon is automatically applied, user terminal, payment terminal and device for providing coupon Download PDFInfo
- Publication number
- KR20150101007A KR20150101007A KR1020140021499A KR20140021499A KR20150101007A KR 20150101007 A KR20150101007 A KR 20150101007A KR 1020140021499 A KR1020140021499 A KR 1020140021499A KR 20140021499 A KR20140021499 A KR 20140021499A KR 20150101007 A KR20150101007 A KR 20150101007A
- Authority
- KR
- South Korea
- Prior art keywords
- coupon
- information
- payment
- card information
- user terminal
- Prior art date
Links
Images
Classifications
-
- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/353—Payments by cards read by M-devices
-
- 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
-
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The present invention relates to an automatic coupon payment system, a user terminal, a payment terminal, and a coupon providing apparatus. More particularly, the present invention relates to coupon information, A user terminal for transmitting the card information to the coupon providing device and receiving the payment result and updating the coupon information when the payment is made by the card information, the card information received at the time of payment to the coupon providing device, A settlement terminal for receiving coupon information matched with the card information from the apparatus, receiving the coupon information and the card information matched from the user terminal for performing payment by reflecting the coupon information, receiving the card information from the payment terminal, Extracting coupon information matched to the received card information, and transmitting the coupon information to the payment terminal And a coupon automatic payment system including a phone providing device.
Description
The present invention relates to a coupon automatic payment system, a user terminal, a payment terminal, and a coupon providing device, and more particularly, to a system and a terminal that allow a user to conveniently use a coupon for discounting a discount, A method for executing the same, and the like.
In general, coupons are widely used as marketing tools to promote the sale of goods or to advertise the names of goods and companies. Coupons are used for services such as discounting certain products or offering some products free of charge. As the services provided through coupons are diversified, the kinds of coupons are also diversifying. Coupons may be printed on paper having a predetermined size, or may be provided in the form of a coupon book, which is a bundle of coupons.
In recent years, electronic coupons have been activated along with the spread of the Internet and the like. Usually, in order to provide the electronic coupon to the user, a unique identification number is assigned to each user. This is to prevent the user who receives the electronic coupon from using the coupon for the same thing several times.
Accordingly, the conventional electronic coupon service has generated a coupon image in which different unique identification numbers are inserted for each coupon to be provided to each user, and the coupon image is provided to the communication network. In this case, since different coupon images must be provided for each coupon to be provided to the user, the bandwidth required for providing the coupon image increases, which increases the burden on the courier service provider.
Conventional discount coupons are distributed offline to a print medium such as paper or distributed electronically to a user terminal on-line. When a user presents a discount coupon distributed on a print medium or an electronic medium, the merchant receives bar code information of the discount coupon, authenticates the discount coupon, and provides a discount to the user.
As described above, the conventional discount coupon application method is inconvenient to not only verify the discount coupon at each merchant, but also present the discount coupon desired by the user.
SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to enable a coupon to be applied and benefit from the coupon even if the user does not present the coupon at the payment step.
The present invention also aims to solve the inconvenience caused by customers in the process of issuing coupons by automatically applying coupons acquired through various routes at the time of payment of goods.
On the other hand, it aims at facilitating the use of coupons, increasing the utilization of coupons, and promoting the purchase of products.
According to an aspect of the present invention, there is provided a coupon automatic payment system for matching coupon information acquired by a user with pre-stored card information, transmitting the coupon information and the card information to a coupon providing apparatus, A user terminal for receiving the payment result and updating the coupon information when the payment is made by the card information, the card information received at the time of payment is transmitted to the coupon providing device, and coupon information Receives the coupon information and the card information matched from the payment terminal and the user terminal to perform payment by reflecting the coupon information, receives the card information from the payment terminal, and transmits the coupon information matched to the received card information And transmits the extracted coupon to the payment terminal.
At this time, the user terminal can associate the card information received from the user with the account information stored in the user terminal, and the payment terminal can provide the user terminal or the coupon providing device with a result reflecting the coupon information at the time of payment. On the other hand, the card information and coupon information can be encrypted and transmitted / received.
In another embodiment of the present invention, when there are a plurality of coupon information matched to the card information, the coupon providing apparatus provides a plurality of coupon information to the payment terminal, the payment terminal presents the coupon information to the user, The settlement can be performed by reflecting the selected coupon information.
A user terminal according to an embodiment of the present invention includes a communication unit for transmitting and receiving information to and from a coupon providing device or a payment terminal, a coupon information obtaining unit for obtaining coupon information according to a user's operation, And transmits the matching coupon information and the card information to the coupon providing device via the communication unit, and when the payment is made by the card information, receiving the payment result and updating the coupon information stored in the storage unit . ≪ / RTI > At this time, the operation unit matches the account information previously stored in the user terminal with the card information, and the storage unit may store the matched account information, the card information, and the coupon information.
The user terminal according to another embodiment of the present invention may further include an encryption unit for encrypting card information or coupon information, and the communication unit may transmit and receive encrypted card information or coupon information.
A payment terminal according to an exemplary embodiment of the present invention includes a card information input unit for receiving card information from a user, a communication unit for transmitting and receiving information to and from a coupon providing device or a user terminal, and transmitting the received card information to the coupon providing device via the communication unit And an operation unit for receiving coupon information matched with the card information from the coupon providing apparatus, and performing payment by reflecting the coupon information. The operation unit may transmit the result of the settlement reflecting the coupon information to the coupon providing apparatus or the user terminal via the communication unit.
In another embodiment of the present invention, when there are a plurality of coupon information matched to the card information, the calculation unit reflects the coupon information selected by the user out of the plurality of coupon information to perform settlement. On the other hand, the operation unit may identify an article corresponding to the coupon information among a plurality of items to be checked, and reflect the coupon information only for the identified article.
A coupon providing apparatus according to an embodiment of the present invention includes a communication unit for transmitting and receiving information to and from a user terminal or a payment terminal, a storage unit for storing matching coupon information and card information received from the user terminal, And an operation unit for comparing the information with the card information stored in the storage unit, extracting matched coupon information, and providing the coupon information to the payment terminal through the communication unit. The operation unit can update the coupon information stored in the storage unit when the coupon information is provided to the payment terminal, when the payment result is received from the payment terminal, or when the coupon information updated from the user terminal is received.
The coupon providing apparatus may further include a coupon generating unit that generates coupon information to be provided to the user terminal, and may further include a decoding unit that decodes the card information or coupon information encrypted and transmitted from the user terminal or the payment terminal .
According to the above-described configuration, the present invention allows coupons to be applied and benefit even if the user does not present the coupons at the payment step.
In addition, the inconvenience caused by the customer in the issuing of the coupon can be solved.
On the other hand, the use of the coupon can be facilitated, the utilization of the coupon can be enhanced, and the consumption of the product can be promoted.
In addition, since the configuration for security maintenance and the configuration for data management are included, leakage of card information can be prevented, card information and coupon information can be efficiently stored and updated on a storage medium, and can be retrieved according to needs.
1 is a diagram illustrating a configuration of an automatic coupon payment system according to an exemplary embodiment of the present invention.
FIG. 2 is a diagram illustrating an example in which a coupon automatic payment system according to an exemplary embodiment of the present invention operates in conjunction with each other.
3 is a block diagram illustrating an internal configuration of a user terminal according to an embodiment of the present invention.
4 is a block diagram illustrating an internal configuration of a payment terminal according to an exemplary embodiment of the present invention.
5 is a configuration diagram showing an internal configuration of a coupon providing apparatus according to an embodiment of the present invention.
6 is a flowchart illustrating an automatic coupon payment method executed by a coupon automatic payment system according to an exemplary embodiment of the present invention.
The foregoing and other objects, features, and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.
Hereinafter, the present invention will be described in detail with reference to the drawings.
1 is a diagram illustrating a configuration of an automatic coupon payment system according to an exemplary embodiment of the present invention.
The coupon automatic payment system of the present invention includes a coupon providing device, a user terminal, and a payment terminal.
The coupon providing apparatus may be implemented by a server, a computer, or the like having a calculation configuration capable of communicating with a user terminal, a payment terminal, and determining whether a coupon is applicable, .
The user terminal can receive and store the coupon information and the card information, transmit and receive data to and from the coupon providing device and the payment terminal, and perform data processing such as updating the coupon information. The user terminal may be implemented by a smart phone, a tablet terminal or the like which is currently widely used. Specifically, when a program and an application for implementing the functions of the present invention are installed in the terminals, the user terminal is referred to in the present invention.
The payment terminal is a device capable of performing settlement based on card information and coupon information. A POS (Point of Sale) terminal, or the like. The payment terminal is capable of transmitting and receiving information by means of various communication methods with the user terminal and the coupon applying apparatus and has means for recognizing the goods information and the card information. The payment terminal calculates the payment amount based on the inputted information, Can be processed. The payment terminal can also be produced, used, and transferred in a form in which a program and an application implementing the functions of the present invention are installed in the POS terminal.
The structure and operation of a coupon automatic payment system in which a user terminal, a payment terminal, and a coupon providing device are interlocked will be described in detail with reference to FIG.
FIG. 2 is a diagram illustrating an example in which a coupon automatic payment system according to an exemplary embodiment of the present invention operates in conjunction with each other.
The automatic coupon payment system of the present invention matches coupon information obtained by a user's input with pre-stored card information, transmits the coupon information and the card information to the coupon providing device, A user terminal for receiving the settlement result and updating the coupon information; a card information receiving unit for transmitting the card information received at the time of payment to the coupon providing apparatus, receiving the coupon information matched with the card information from the coupon providing apparatus, Receiving the coupon information and the card information matched from the user terminal, receiving the card information from the payment terminal, extracting coupon information matched to the received card information, and transmitting the coupon information to the payment terminal And a coupon providing device.
The user terminal of the present invention receives and stores card information from a user. The process of receiving and storing the card information can be executed by an application included in the user terminal or the like.
Thereafter, the user terminal acquires coupon information and matches it with pre-stored card information. The manner in which the user terminal obtains the coupon information varies. The coupon information can be obtained through various routes without distinguishing between offline and online. For example, when the user tags the NFC tag stored in the 10-percent discount coupon information on the merchandise A's stand in a specific store, or recognizes the bar code and the QR code, the coupon information is automatically identified and stored in the user terminal. As another example, the coupon information can be obtained by downloading a 10% discount coupon for the commodity B available in the AA store at a specific online site, matching the card information stored in the user terminal through the application, and storing it.
The user terminal matches the recognized coupon information with the card information previously stored in the user terminal. Various card information can be stored in the user terminal. The user selects card information to be paid by applying the recognized coupon information, and accordingly, the user terminal matches the coupon information with the card information.
After matching the coupon information with the card information, the user terminal notifies the coupon providing device of the coupon information acquisition. Specifically, the acquired coupon information and the card information matched with the coupon information are transmitted to the coupon providing apparatus. The coupon providing device stores coupon information and card information received from the user terminal. At this time, the coupon information and the card information can be processed and stored in association with the account information of the user. That is, the card information may be interlocked with the account information of the user on the user terminal, and the coupon information may be linked to the account information if the card information matches the coupon information. In this case, the coupon information and the card information received by the coupon providing apparatus are linked to the account information. Therefore, the coupon providing apparatus can classify and manage the card information and the coupon information status for each user based on the account information, which is advantageous in terms of data processing / management.
The payment terminal transmits the card information received at the time of settlement to the coupon providing apparatus. The card information is recognized by the payment terminal by an operation such as recognizing the magnetic stripe included in the card by swiping or tagging the card. In addition, an app card or the like stored in a user terminal can be recognized by various recognition means (a code reader, an NFC reader, or the like). The conventional device performs settlement based on the recognized card information, and, in the case of applying the coupon, recognizes and applies the coupon separately provided from the user. That is, the process of presenting the coupon by the user is necessarily accompanied.
However, according to the present invention, after the payment terminal receives the card information, the payment terminal transmits the coupon information to the coupon providing device, and the coupon providing device identifies and extracts coupon information matched with the received card information and provides the coupon information to the payment terminal. The payment terminal calculates the settlement amount of the product by reflecting the coupon information provided and processes the settlement process.
The present invention can benefit from automatic application of a coupon, even if the user does not separately present the coupon. That is, the user can use the coupon without inconvenience of having a coupon or inconvenience of separately presenting the coupon.
After the payment using the coupon is completed, the payment terminal can provide the payment result reflecting the coupon information to the user terminal or the coupon providing device. The payment result may be provided to both the user terminal and the coupon providing device, or may be provided only to one of the two devices. The user terminal or the coupon providing apparatus that has received the settlement result can update the coupon information according to the details received from the payment terminal.
After updating the coupon information, the user terminal (preferably, when the user terminal receives the payment result) notifies the coupon providing device of the updated coupon information. Alternatively, the coupon providing device notifies the user terminal of the updated coupon information (preferably, when the coupon providing device receives the payment result).
The user terminal, the payment terminal, and the coupon providing device are interlocked through the above-described process. As a result, the coupon automatic payment system of the present invention operates.
On the other hand, in one embodiment of the present invention, the card information and coupon information are encrypted and transmitted and received. In particular, since the card information may lead to financial accidents in case of leakage, the user terminal, the payment terminal, and the coupon providing device of the present invention include means for encrypting card information and means for decrypting the card information. , And transmits and receives encrypted information between each device.
In another embodiment of the present invention, when there are a plurality of coupon information matched to the card information, the coupon providing apparatus provides a plurality of coupon information to the payment terminal, the payment terminal presents the coupon information to the user, The settlement can be performed by reflecting the coupon information selected by the user. The present embodiment relates to a method of processing a plurality of coupons applicable to a specific product and provides a coupon selection by the user through communication between the payment terminal and the user terminal, You can select the coupons to apply according to the intuitive user interface.
Hereinafter, individual configurations in the system will be described.
3 is a block diagram illustrating an internal configuration of a user terminal according to an embodiment of the present invention.
A user terminal of the present invention includes a communication unit for transmitting and receiving information to or from a coupon providing device or a payment terminal, a coupon information obtaining unit for obtaining coupon information according to a user's operation, a storage unit for storing and storing the obtained coupon information and the card information, And transmits the coupon information and the card information to the coupon providing apparatus via the communication unit, and when the payment is made by the card information, receiving the payment result and updating the coupon information stored in the storage unit.
The communication unit is configured to exchange information by wire / wireless communication, mobile communication, short distance communication, and the like. The coupon information obtaining unit is a means for obtaining coupon information existing on / off-line, and includes an NFC antenna, a Bluetooth antenna, A camera and a program for recognizing the code, and an input means (touch display, etc.) for allowing the user to input a random number directly included in the coupon information.
The storage unit is a unit for storing coupon information, card information, and the like. The operation unit is implemented by a configuration capable of operation such as a CPU or the like as a means for causing the coupon automatic application settlement of the present invention to be executed.
The operation unit transmits the matched coupon information and the card information to the coupon providing apparatus via the communication unit. When the payment is made by the card information, the calculation unit receives the payment result and updates the coupon information stored in the storage unit .
Meanwhile, in another embodiment of the present invention, the operation unit may match the account information previously stored in the user terminal with the card information, and the storage unit may store the matched account information, the card information, and the coupon information. Accordingly, the card information and the account information can be stored / managed based on the account information of the user, thereby improving the efficiency of data processing.
The user terminal according to another embodiment of the present invention further includes an encryption unit for encrypting card information or coupon information, wherein the communication unit transmits and receives encrypted card information or coupon information. Thus, the security of the card information and the coupon information can be maintained, and the transaction security can be achieved.
4 is a block diagram illustrating an internal configuration of a payment terminal according to an exemplary embodiment of the present invention.
The payment terminal of the present invention includes a card information input unit for receiving card information from a user, a communication unit for transmitting and receiving information to or from a coupon providing apparatus or a user terminal, and a card information transmitting unit for transmitting the received card information to the coupon providing apparatus via the communication unit, And a calculator for receiving the coupon information matched with the card information and performing payment by reflecting the coupon information.
The card information input unit is configured to receive information from a card held by a user. In the case of a real card, it is possible to receive magnetic information included in the card or card information stored in the IC chip through a magnetic reader or an NFC reader, and in the case of an application card installed in a user terminal, The card information can be received by the code reader. The user can directly input the card information presented by the user using a keyboard, a keypad, or the like. The magnetic reader, the NFC reader, the code reader, the keyboard, and the keypad correspond to a card information input unit.
The communication unit is a configuration capable of exchanging information with the user terminal and the coupon providing device by wired / wireless communication, mobile communication, short distance communication, and the like.
The calculation unit is implemented by a configuration capable of performing calculations such as a CPU and the like so as to cause the coupon automatic application settlement of the present invention to be executed. The calculation unit not only computes the settlement amount to which the coupon is applied, And controls the operation of each configuration necessary for transmission and reception.
In an embodiment of the present invention, the calculation unit reflects coupon information and transmits a settlement result to the coupon providing device or the user terminal through the communication unit so that the user can check the coupon application details, So that coupon information stored in the terminal and the coupon providing server can be updated. Therefore, it is possible to prevent illegal use of coupons, duplicate use, and the like.
According to another embodiment of the present invention, when the coupon information matched to the card information is a plurality of coupon information, the calculation unit may perform payment by reflecting coupon information selected from the user among a plurality of coupon information. Further, it is possible to identify an article corresponding to the coupon information among a plurality of items to be paid out, and to reflect the coupon information only for the identified article. The present embodiment relates to a method of processing a plurality of coupons applicable to a specific product and provides a coupon selection by the user through communication between the payment terminal and the user terminal, You can select the coupons to apply according to the intuitive user interface.
5 is a configuration diagram showing an internal configuration of a coupon providing apparatus according to an embodiment of the present invention.
The present invention provides a coupon providing apparatus including a communication unit for transmitting and receiving information to and from a user terminal or a payment terminal, a storage unit for storing matching coupon information and card information received from the user terminal, And a calculation unit for extracting the matched coupon information and providing the coupon information to the payment terminal through the communication unit.
The communication unit is a configuration capable of exchanging information with a user terminal and a payment terminal by wired / wireless communication, mobile communication, short distance communication, and the like.
The storage unit is configured to match and store the coupon information, the card information, and the account information according to the data storage format. The storage unit can continuously update the storage contents according to the operation result of the operation unit or information received from the user terminal or the payment terminal to be.
The calculation unit is implemented by a configuration capable of operation such as a CPU as means for causing the coupon automatic application settlement of the present invention to be executed. The calculation unit compares card information, extracts information stored in the storage unit, But also performs functions such as an operation of providing information, an operation of transmitting / receiving information via a communication unit, and an operation of controlling various configurations included in the coupon providing apparatus.
In the coupon providing apparatus according to another embodiment of the present invention, when the calculation section provides the coupon information to the payment terminal, when the settlement result is received from the payment terminal, or when the coupon information updated from the user terminal is received, The stored coupon information can be updated. The update of the coupon information may be performed at the time of 1) providing the coupon information to the payment terminal, 2) at the time of receiving the payment result from the payment terminal, or 3) when receiving the coupon information produced from the user terminal . In the case of the first example, the coupon providing apparatus judges whether the coupon is provided by itself (whether or not the coupon is provided without receiving information from the payment terminal or the user terminal). However, when the coupon is not used in the payment terminal or an error occurs, there is a problem that the coupon information needs to be updated again. In the case of the second and third examples, it is necessary to update the information after receiving the information from the other entity, but there is an advantage that the coupon information can be updated accurately.
The coupon providing apparatus of the present invention may further include a coupon generating unit for generating coupon information to be provided to the user terminal. The coupon providing device may generate and distribute coupon information that defines the coupon type, discount details, application target, etc. according to a marketing strategy and the like.
The information processing apparatus may further include a decryption unit for decrypting the card information or coupon information encrypted and transmitted from the user terminal or the payment terminal so that the information via the communication network is encrypted and decrypted in the coupon providing apparatus So that security stability can be improved.
6 is a flowchart illustrating an automatic coupon payment method executed by a coupon automatic payment system according to an exemplary embodiment of the present invention.
The automatic payment method of a coupon according to the present invention is executed by interlocking a user terminal, a coupon providing device, and a payment terminal. The user terminal receives and stores the card information from the user. The process of receiving and storing the card information can be executed by an application included in the user terminal or the like.
Thereafter, the user terminal acquires the coupon information and matches it with the pre-stored card information. The manner in which the user terminal obtains the coupon information varies. The coupon information can be obtained through various routes without distinguishing between offline and online. For example, when the user tags the NFC tag stored in the 10-percent discount coupon information on the merchandise A's stand in a specific store, or recognizes the bar code and the QR code, the coupon information is automatically identified and stored in the user terminal. As another example, the coupon information can be obtained by downloading a 10% discount coupon for the commodity B available in the AA store at a specific online site, matching the card information stored in the user terminal through the application, and storing it.
On the other hand, before acquiring the coupon information, coupon information can be directly generated and distributed in the coupon providing apparatus of the present invention. The subject issuing a coupon to enjoy the marketing effect using the coupon information commonly used in the present invention can generate and distribute the coupon information by using the coupon providing device when the subject operates the coupon providing device. The coupon information thus generated can be recognized and acquired by the user terminal.
The user terminal matches the recognized coupon information with the card information previously stored in the user terminal. Various card information can be stored in the user terminal. The user selects card information to be paid by applying the recognized coupon information, and accordingly, the user terminal matches the coupon information with the card information.
After matching the coupon information with the card information, the user terminal notifies the coupon providing device of the coupon information acquisition. Specifically, the acquired coupon information and the card information matched with the coupon information are transmitted to the coupon providing apparatus.
The coupon providing device stores coupon information and card information received from the user terminal. At this time, the coupon information and the card information can be processed and stored in association with the account information of the user. That is, the card information may be interlocked with the account information of the user on the user terminal, and when the card information and the coupon information are matched, the coupon information is also linked to the account information linked with the card information. In this case, the coupon information and the card information received by the coupon providing apparatus are also linked to the account information. Therefore, the coupon providing apparatus can classify and manage the card information and the coupon information status for each user based on the account information, which is advantageous in terms of data processing / management.
The payment terminal transmits the card information received at the time of settlement to the coupon providing apparatus. The card information is recognized by the payment terminal by an operation such as recognizing the magnetic stripe included in the card by swiping or tagging the card. In addition, an app card or the like stored in a user terminal can be recognized by various recognition means (a code reader, an NFC reader, or the like). The conventional device performs settlement based on the recognized card information, and, in the case of applying the coupon, recognizes and applies the coupon separately provided from the user. That is, the process of presenting the coupon by the user is necessarily accompanied.
However, according to the present invention, after the payment terminal receives the card information, the payment terminal transmits the coupon information to the coupon providing device, and the coupon providing device identifies and extracts coupon information matched with the received card information and provides the coupon information to the payment terminal. The payment terminal calculates the settlement amount of the product by reflecting the coupon information provided and processes the settlement process. The present invention can benefit from automatic application of a coupon, even if the user does not separately present the coupon. That is, the user can use the coupon without inconvenience of having a coupon or inconvenience of separately presenting the coupon.
After the payment using the coupon is completed, the payment terminal can provide the payment result reflecting the coupon information to the user terminal or the coupon providing device. The payment result may be provided to both the user terminal and the coupon providing device, or may be provided only to one of the two devices. In order to express various cases, the coupon application result notification in FIG. 5 is indicated by a dotted line. The user terminal or the coupon providing apparatus that has received the settlement result can update the coupon information according to the details received from the payment terminal. This is also indicated by a dotted line.
After updating the coupon information, the user terminal (preferably, when the user terminal receives the payment result) notifies the coupon providing device of the updated coupon information. Alternatively, the coupon providing device notifies the user terminal of the updated coupon information (preferably, when the coupon providing device receives the payment result).
The coupon automatic payment method is executed through this process. It should be considered that not only the method in which the user terminal, the coupon providing device, and the payment terminal operate together but also the operations performed in each component are included in the scope of the patent individually.
Meanwhile, the operation in each configuration can be implemented in the form of a program and an application for executing the program, a computer-readable recording medium for storing the application, and a device for downloading are included in the scope of the patent.
Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the embodiments described above are to be considered in all respects only as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.
Claims (16)
A payment terminal for transmitting the card information received at the time of payment to the coupon providing device, receiving the coupon information matched to the card information from the coupon providing device, and performing payment by reflecting the coupon information; And
A coupon providing device for receiving the coupon information and the card information matched from the user terminal, receiving the card information from the payment terminal, extracting coupon information matched to the received card information, and transmitting the extracted coupon information to the payment terminal;
Coupon automatic payment system
Wherein the card information received from the user is associated with the account information stored in the user terminal.
And provides a result of reflecting the coupon information at the time of payment to the user terminal or the coupon providing apparatus.
Wherein the coupon providing apparatus provides a plurality of coupon information to the payment terminal, the payment terminal presents the plurality of coupon information to the user, and performs payment by reflecting the coupon information selected by the user. Payment System
A coupon information acquiring unit for acquiring coupon information according to an operation of a user;
A storage unit for matching and storing the obtained coupon information and the card information; And
An arithmetic unit operable to transmit the matched coupon information and the card information to the coupon providing apparatus via the communication unit, receive the payment result when payment is made by the card information, and update the coupon information stored in the storage unit;
Lt; RTI ID = 0.0 >
Wherein the operation unit matches the account information previously stored in the user terminal with the card information,
Wherein the storage unit stores the matched account information, the card information, and the coupon information.
An encryption unit for encrypting the card information or coupon information;
Further comprising:
Wherein the communication unit transmits and receives encrypted card information or coupon information.
A communication unit for transmitting and receiving information to and from the coupon providing device or the user terminal; And
An operation unit that transmits received card information to the coupon providing apparatus via the communication unit, receives coupon information matched with the card information from the coupon providing apparatus, and performs payment by reflecting the coupon information;
A payment terminal
And transmits the result of the settlement reflecting the coupon information to the coupon providing apparatus or the user terminal via the communication unit
Wherein the calculation unit reflects the coupon information selected by the user from among a plurality of coupon information to perform payment.
Characterized by identifying an article corresponding to the coupon information among the plurality of settlement objects and reflecting the coupon information only for the identified article
A storage unit for storing matching coupon information and card information received from the user terminal; And
An operation unit for comparing card information received from the payment terminal with card information stored in the storage unit, extracting matched coupon information, and providing coupon information to the payment terminal via the communication unit;
A coupon providing device
Wherein the coupon information updating unit updates the coupon information stored in the storage unit when the coupon information is provided to the payment terminal, when the payment result is received from the payment terminal, or when the coupon information updated from the user terminal is received.
A coupon generation unit for generating coupon information to be provided to the user terminal;
A coupon providing device
A decryption unit for decrypting card information or coupon information encrypted and transmitted from the user terminal or the payment terminal;
A coupon providing device
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020140021499A KR20150101007A (en) | 2014-02-24 | 2014-02-24 | Payment System which coupon is automatically applied, user terminal, payment terminal and device for providing coupon |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020140021499A KR20150101007A (en) | 2014-02-24 | 2014-02-24 | Payment System which coupon is automatically applied, user terminal, payment terminal and device for providing coupon |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| KR20150101007A true KR20150101007A (en) | 2015-09-03 |
Family
ID=54242261
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020140021499A KR20150101007A (en) | 2014-02-24 | 2014-02-24 | Payment System which coupon is automatically applied, user terminal, payment terminal and device for providing coupon |
Country Status (1)
| Country | Link |
|---|---|
| KR (1) | KR20150101007A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| DE102016212796A1 (en) | 2015-07-16 | 2017-01-19 | Samsung Electronics Co., Ltd. | A semiconductor device having a structure for improving voltage drop and apparatus comprising the same |
| KR20200061886A (en) * | 2018-11-26 | 2020-06-03 | (주)쿠프마케팅 | A payment terminal and a coupon management server for using a coupon issued for a payment card |
| KR102628952B1 (en) * | 2022-09-20 | 2024-01-23 | 최수정 | Method for operating payment mediation system through coupon issuance |
-
2014
- 2014-02-24 KR KR1020140021499A patent/KR20150101007A/en not_active Application Discontinuation
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| DE102016212796A1 (en) | 2015-07-16 | 2017-01-19 | Samsung Electronics Co., Ltd. | A semiconductor device having a structure for improving voltage drop and apparatus comprising the same |
| KR20200061886A (en) * | 2018-11-26 | 2020-06-03 | (주)쿠프마케팅 | A payment terminal and a coupon management server for using a coupon issued for a payment card |
| KR102628952B1 (en) * | 2022-09-20 | 2024-01-23 | 최수정 | Method for operating payment mediation system through coupon issuance |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| KR101968170B1 (en) | Method and system for processing coupons in a near field transaction | |
| CN108573384B (en) | Product with double identification codes and product tracing anti-counterfeiting verification method and device | |
| KR101797245B1 (en) | System and method for payment based on near field communication | |
| US20150356522A1 (en) | System and method for generating electronic receipt displays according to user-selectable formats on a computing device | |
| KR20120103924A (en) | Payment system using the qr code and controlling method therefore | |
| US20150356835A1 (en) | Point-of-sale terminal that sets a special display flag in electronic receipt data | |
| CN109478281A (en) | For capturing and the system, apparatus and method of managerial marketing point transactional related data | |
| WO2015161496A1 (en) | Commodity anti-counterfeiting verification system | |
| JP2018032095A (en) | Identification information management server, identification information management system, and management method of identification information | |
| US20150341352A1 (en) | Electronic shelf label system and operating method thereof | |
| KR20150101007A (en) | Payment System which coupon is automatically applied, user terminal, payment terminal and device for providing coupon | |
| US20150324773A1 (en) | Settlement system, user terminal device, sales server, settlement server and recording medium | |
| US11222328B2 (en) | Method for providing mobile gift card issuance service, and server apparatus and system therefor | |
| US11222334B2 (en) | Processing electronic payments on a mobile computer device | |
| JP2019028684A (en) | Authenticity determination system, server and operation method of the same, terminal and operation method of the same, and program | |
| KR20150140198A (en) | Managing system and method of changing price for Electronic Shelf Label | |
| KR20170100917A (en) | Token based settlement system and method | |
| JP2018535463A (en) | Method, server and system for collectively registering a plurality of digital contents | |
| KR20110100801A (en) | System and method for recognizing authenticity uisng label | |
| WO2021076077A1 (en) | An augmented reality shopping system | |
| KR101334598B1 (en) | Method and system for coupon service | |
| TWM520693U (en) | Anti-counterfeit management system | |
| JP7017857B2 (en) | Electronic ticket management system, electronic ticket management device, electronic ticket management method and electronic ticket management program | |
| US20180308156A1 (en) | Server device and service method | |
| KR20160109543A (en) | Apparatus and method for payment system using a smart card by the application. |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| WITN | Withdrawal due to no request for examination |