KR20160018186A - System and method for payment by using public identifier - Google Patents

Abstract

The present invention relates to a payment system using a common identifier and a method thereof. According to an embodiment of the present invention, the payment method, which is for coupons issued by a secure coupon server connected to an affiliate payment terminal and a relay server through a network, includes the steps of: receiving a coupon issuing request signal including the common identifier and coupon information from the relay server; generating the coupons corresponding to the coupon information and storing the generated coupons in linkage with the common identifier; checking the stored coupons corresponding to the common identifier when the affiliate payment terminal receives the common identifier obtained by another relay server by using an exclusive identifier; transmitting the coupon check result to the affiliate payment terminal; and receiving a payment approval request signal of the selected coupon among unused coupons included in the check result from the affiliate payment terminal in order to execute a payment approval procedure through using the selected coupon. Identical common identifiers in the relay server and the other relay server are the single identifier corresponding to the same individual.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment system and method using a public identifier,

This specification relates to a payment system and method using public identifiers.

Generally, service providers or stores issue various forms of coupons to increase sales. For example, paper coupons may be issued, or electronic coupons may be provided using mobile phones.

However, in order for the customer to utilize these various coupons, the coupons must be collected through various routes, and it is troublesome to present coupons at the merchant's settlement by carrying them.

In particular, new credit card products are being created by each credit card company. Even if a customer presents a credit card to a merchant, it is difficult for the merchant to remember whether the credit card has benefits for the card. Even though there are benefits for you, there are many cases that you do not know. In the end, customers often fail to recognize the benefits granted to them, or even fail to take advantage of them because they forget them over time.

In addition, while personal information leakage is becoming a social issue in recent years, payment information of card merchants and customers has been leaked through a van (VAN, VAT) and a van dealer of a credit card company, and illegal sale of customer information But the financial authorities have not been able to offer such measures. For example, if a company that includes credit card companies, membership companies, and other marketing business entities makes coupons, prizes, affiliate events, and event events as a part of promotion, sales promotion, and charitable event, There is a problem that personal information of a customer is leaked. In addition, if a company including credit card companies, membership companies, and other marketing service entities wants to provide prizes to customers through events, if they provide products to customers by delivering customer information to the prizes supplier, There is a danger.

In addition, customers often need to receive or download new medias to receive their benefits, which makes it difficult for customers to take advantage of the benefits they provide.

Korean Patent Laid-Open No. 10-2013-0075042 discloses a method and system for coupon service using a text message, and stores and manages a coupon service account for each customer and a coupon service account for each coupon maker / merchant, Discloses a coupon service method and system that solves the inconvenience of having to carry the coupon one by one.

In addition, Korean Patent Laid-Open No. 10-2011-0046702 relates to a payment system using a discount use ticket and a method thereof, in which a merchant terminal can inquire a discount use ticket purchased in advance by a customer using customer identification information, Disclosed is a coupon service method and system for solving the inconvenience of carrying coupons one by one.

However, in the above-mentioned prior arts, a payment method that allows a customer to purchase a coupon from a predetermined media through a customer identification information that can be directly checked and used by a customer, inquires of the coupon only from the merchant terminal, So that it is difficult to manage coupons issued from various media as well as expose personal information of customers.

In order to solve the above problem, there is a demand for a payment method capable of generating, issuing and managing a coupon to be provided in various media according to a customer while preventing exposure of personal information of a customer, and a system therefor .

Korean Patent Publication No. 10-2013-0075042 Korean Patent Publication No. 10-2011-0046702 Korean Patent Publication No. 10-2004-0075671

One embodiment of the present invention is designed to solve the above problems, and it is an object of the present invention to provide a payment settlement system using a coupon that protects personal information of a customer by using a single public identifier corresponding to a customer, The purpose is to provide.

Another object of the present invention is to provide a method and system for creating and issuing coupons to be provided by various media by matching with a public identifier corresponding to a customer, The system has a purpose to provide.

It is another object of the present invention to provide a payment system and method capable of receiving a benefit corresponding to a customer even when a customer does not present coupons at the time of payment of a card at an merchant.

 A payment payment method of a coupon issued by a security coupon server connected to a relay server and an affiliate settlement terminal through a network according to an embodiment of the present invention is characterized by receiving a coupon issue request signal including a public identifier and coupon information from the relay server ; Generating a coupon corresponding to the coupon information, associating the generated coupon with the public identifier, and storing the coupon; If the affiliate payment terminal receives the public identifier obtained from the other relay server using the private identifier, inquiring the pre-stored coupon corresponding to the public identifier; Transmitting an inquiry result of the coupon to the affiliate payment terminal; And receiving a payment approval request signal of the coupon selected from the unused coupons included in the inquiry result from the affiliate settlement terminal and performing a payment approval procedure through the selected coupon. And the same public identifier in the relay server and the other relay server are unique identifiers corresponding to the same individual.

A payment settlement method of a coupon performed by an affiliate settlement terminal connected to a relay server and a security coupon server through a network according to an embodiment of the present invention includes: acquiring a dedicated identifier; Transmitting the dedicated identifier and merchant information to the relay server; And receives and displays a coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier obtained by using the private identifier by the relay server from the security coupon server and the status information indicating whether or not the coupon is used step; Selecting any coupons available from unused coupons included in the displayed coupon inquiry result; Transmitting to the security coupon server a payment approval request signal for requesting payment through the selected coupon; And receiving a payment approval signal from the security coupon server to notify that payment via the selected coupon is possible, and performing a payment process through the selected coupon. And the same public identifier in the relay server and the other relay server are unique identifiers corresponding to the same individual.

The security coupon server connected to the relay server and the affiliate settlement terminal through the network according to an embodiment of the present invention includes a communication unit for performing data communication from the relay server and the affiliate settlement terminal; A control unit for generating a coupon having a unique coupon number and a valid period corresponding to the coupon information upon receiving the public identifier and coupon information from the relay server; And a storage unit for storing the coupon number and status information of the coupon generated by the control unit in association with the public identifier. When the affiliate payment terminal receives the public identifier obtained from the other relay server by using the private identifier, the controller inquires the pre-stored coupon corresponding to the public identifier and transmits the inquiry result of the coupon to the affiliate payment terminal And the same public identifier in the relay server and the other relay server are unique identifiers corresponding to the same individual.

An affiliate payment terminal connected to a relay server and a security coupon server through a network according to an embodiment of the present invention includes a communication unit for performing data communication with the relay server and the security coupon server; And transmits the public identifier obtained from the other relay server to the security coupon server by using the acquired private identifier to obtain a coupon number of the pre-stored coupon corresponding to the public identifier from the security coupon server, A control unit receiving a coupon inquiry result including status information indicating whether a coupon is used; And an input unit for selecting any coupon available from among the unused coupons included in the coupon inquiry result, wherein the control unit transmits a payment approval request signal for requesting payment through the coupon selected through the input unit to the security coupon And transmits a payment approval signal to the security coupon server via the selected coupon when receiving a settlement approval signal from the security coupon server to notify that payment via the selected coupon is possible, And is a unique identifier corresponding to the same individual.

According to an embodiment of the present invention, a payment settlement method using a coupon using a single public identifier corresponding to a customer, rather than a personal information of the customer, is provided, thereby preventing leakage of personal information of the customer.

According to an embodiment of the present invention, the coupon issuer, the merchant, the settlement agency, the credit card company, the membership company, and other marketing service entities can provide a coupon payment method to the customer without exchanging personal information of the customer, It can reduce anxiety about information leakage.

In addition, according to the embodiment of the present invention, since the payment can be made by applying a similar benefit to the cash in the form of the exchange right or the amount of money granted to the individual at the time of settlement, it is possible to provide the best benefit according to the customer's condition .

According to an embodiment of the present invention, the coupon issuer, the merchant, the settlement agency, the credit card company, the membership company, and other marketing service entities can provide coupons to customers by providing an economical benefit due to minimization of issuance of a multi- Can be obtained.

In addition, according to the embodiment of the present invention, even if the customer does not recognize the benefit granted to him / herself, the customer can receive the benefits given to him / her at the time of payment at the merchant.

In addition, according to the embodiment of the present invention, the user does not have to present the coupon one by one at the merchant, so that it is possible to solve the inconvenience that the user must hold the coupon at the time of payment at the merchant.

In addition, according to the embodiment of the present invention, the customer does not need to receive or download a new mediator in order to receive the benefit, so that the customer can be conveniently provided with the benefit granted to him / her.

According to an embodiment of the present invention, a coupon is issued in various media, and coupons issued are matched with a unique unique identifier corresponding to a customer, , Membership companies and other marketing service entities can easily settle accounts and process accounting by providing coupon service to customers.

1 is a network diagram of a payment system according to an embodiment of the present invention.
2 is a block diagram of a security coupon server 200 according to an embodiment of the present invention.
3 is a block diagram of an affiliate payment terminal 400 according to an embodiment of the present invention.
4 is a flowchart of a coupon issuing process according to an embodiment of the present invention.
5 is a flowchart of a coupon settlement process according to an embodiment of the present invention.
6 is a flowchart showing the operation of the security coupon server 200 according to an embodiment of the present invention.

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

In describing the embodiments, descriptions of techniques which are well known in the technical field to which this specification belongs and which are not directly related to this specification are not described. This is for the sake of clarity without omitting the unnecessary explanation and without giving the gist of the present invention.

For the same reason, some of the components in the drawings are exaggerated, omitted, or schematically illustrated. Also, the size of each component does not entirely reflect the actual size. In the drawings, the same or corresponding components are denoted by the same reference numerals.

The terms used below are defined as follows.

The 'medium' includes data related to coupon issuance of a credit card company, a VIP and other marketing business entity, and a user can perform at least one of purchasing a coupon, participating in an event and joining a membership through a medium.

The 'public identifier' is a unique identifier corresponding to the same individual so that the same user can be distinguished among different relay servers. The 'public identifier' may be assigned to the individual by the principal checking institution or may be assigned to a credit card company, And may be assigned to each individual company by an enterprise including at least one of the subjects. That is, the public identifier may include at least one of CI (Connection Information), a customer number, and a membership number, which are unique identifiers for individual customers and can not be restored to resident numbers.

In addition, when the public identifiers are shared by different relay servers, they are used as the public identifiers described above. However, when they are not shared by different relay servers, the public identifiers can be used as the roles of dedicated identifiers to be described later.

The 'dedicated identifier' is a card number of a card issued to a user by a credit card company, a VIP and other marketing business entity, for example, by recognizing an NFC tag, a QR code, a bar code, etc., A dedicated identifier corresponding to the user can be obtained.

1 is a network diagram of a payment system according to an embodiment of the present invention.

Referring to FIG. 1, a payment system according to an embodiment of the present invention includes a user 100, a security coupon server 200, a relay server 300, an affiliate payment terminal 400, and another relay server 500 And may further include a certification authority server 600. Each component is connected through a network communication network. Here, the communication network refers to a network capable of transmitting and receiving data using various wired and wireless communication technologies such as an Internet network, an intranet network, a mobile communication network, and a satellite communication network. The communication network may be a closed type network such as a LAN (Local Area Network) or a WAN (Wide Area Network), an open network such as the Internet, a Code Division Multiple Access (CDMA), a Wideband Code Division Multiple Access (WCDMA) , Global System for Mobile Communications (GSM), High Speed Downlink Packet Access (HSDPA), Wireless Broadband (WiBro), World Interoperability for Microwave Access (WiMax), Long Term Evolution (LTE), and Evolved Packet Core And the next generation network and computing network to be implemented in the future.

The user 100 accesses a medium of a credit card company or a marketing service entity included in the relay server 300 through the terminal to purchase or select a coupon for use by the user 100, And may request the relay server 300 to issue an invitation for the input or selected coupon. In addition, the user 100 accesses a medium of a credit card company or a marketing business entity included in the relay server 300 through the terminal and participates in an event provided by a credit card company or a marketing business entity, or is included in the relay server 300 The user can request the issuance of the coupon corresponding to the user 100 to the relay server 300 by accessing the member's company or the medium of the marketing business entity and subscribing as a member of the membership company.

The user 100 can receive a coupon issuance guidance message for coupons generated and issued by the security coupon server 200 from the credit card companies, broadcasting companies, and other media of the marketing service subject included in the relay server 300 . The user 100 can receive the coupon issuance guidance message from the relay server 300 through the terminal and confirm the coupon issuance and coupon validity period.

The user 100 has a card issued from at least one of a credit card company, a sub-company and other marketing business entities, or is issued from at least one of a credit card company, a sub-company and other marketing business entity to a terminal owned by the user 100 Received mobile card, NFC tag, QR code and barcode.

The user 100 receives a card or credit card issued by a credit card company, a credit card company, or other marketing business entity in order to pay for the goods or services provided by a credit card company, The NFC tag, the QR code, and the barcode stored in the terminal of the user 100 are recognized by the affiliate payment terminal 400, the user 100 is provided from the credit card company, A coupon according to an event, and a coupon according to a membership member.

The user 100 uses a card issued by a credit card company, a credit card company, or other marketing business entity at a merchant of a credit card company, a tobacco company, or other marketing business entity, You can pay with coupons that are similar to cash.

The security coupon server 200 can receive a coupon issuance request signal including a public identifier and coupon information from a relay server 300 corresponding to a credit card company, a coupon, and other media of a marketing business entity. The public identifier does not include the personal information of the customer as one unique identifier corresponding to the individual so that the relay server 300 and the other relay server 500 can distinguish the same user. In addition, a server of a credit card company server, a membership server, and other marketing service entity, which is another relay server 500 according to an embodiment of the present invention, requests the certification authority server 600 to provide a public identifier corresponding to a customer A public identifier corresponding to the customer can be acquired and stored in the database or a public identifier including the customer number or the membership number corresponding to the customer can be generated and stored in the database. A server of a credit card company server, a membership server, and other marketing service entity, which is another relay server 500 according to an embodiment of the present invention, can inquire and manage a public identifier corresponding to a customer. The coupon information may be provided by the user 100 by accessing a relay server 300 corresponding to a credit card company, a coupon server, or other media of a marketing business entity and performing at least one of coupon purchase, event participation, The content and the quantity of the coupon. The security coupon server 200 may receive a coupon issuing request further including a member identification ID in addition to the public identifier and coupon information.

When receiving the coupon issue request signal including the public identifier and coupon information from the relay server 300, the security coupon server 200 can generate a coupon by giving a coupon number unique to the coupon information and a valid period.

The security coupon server 200 can store the coupon generated in association with the public identifier received from the relay server 300 in association with the coupon information. That is, the security coupon server 200 can store the public identifier of the user 100, the coupon number of the coupon generated corresponding to the coupon information, and the validity period in association with each other.

The security coupon server 200 can transmit to the relay server 300 information indicating that the coupon has been generated and issued corresponding to the public identifier and coupon information received from the relay server 300. [ At this time, the relay server 300 having received the information generates a guidance message to inform that the coupon has been issued, and transmits the generated guidance message to the terminal of the user 100 requesting the issuance of the coupon so as to allow the user 100 to issue the coupon, The validity period can be confirmed.

The security coupon server 200 can receive the public identifier acquired from the other relay server 500 using the dedicated identifier by the affiliate payment terminal 400. [ The dedicated identifier is a card number of a card issued to a user 100 from a credit card company, a tobacco company, and other marketing business entity. For example, a card that a user 100 receives from a credit card company, The affiliate payment terminal 400 recognizes the NFC (Near Field Communication) tag, the QR code, the bar code, and the like stored in the card number unique to the mobile card in the affiliate payment terminal 400, A unique identifier corresponding to the user 100 can be obtained. At this time, the affiliate settlement terminal 400 transmits the acquired card number to the other relay server 500, and the other relay server 400 receiving the dedicated identifier transmits the card number to the user 100 corresponding to the dedicated identifier A public identifier corresponding to the dedicated identifier is acquired by requesting the inquiry of the public identifier to the certification authority server 600 or inquiring the customer number or membership number as the public identifier of the user 100 corresponding to the dedicated identifier previously stored in the database To the security coupon server 200.

When the security coupon server 200 receives the public identifier corresponding to the dedicated identifier, it can inquire the previously stored coupon corresponding to the public identifier. The coupon previously stored in the security coupon server 200 corresponding to the public identifier is transmitted to the security coupon server 200 from the coupon generated by receiving the coupon issuance request signal from the relay server 300 and the coupon issued from the other relay server 500 And a coupon generated by receiving the signal. Here, the coupon generated by the security coupon server 200 by receiving the coupon issue request signal from the relay server 300 is transmitted to the relay server 300 (300) corresponding to the credit card company, ) And performs at least one of a coupon purchase, an event participation, and a subscription so that the security coupon server 200 generates a coupon corresponding to the public identifier, and receives a coupon issuance request signal from another relay server 500 The coupon generated by receiving means a coupon generated by the security coupon server 200 in response to a request from a server of a credit card company server, a membership company server, or other marketing service entity, which is another relay server 500, in accordance with the public identifier.

The security coupon server 200 transmits the coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier and the status information indicating whether or not the coupon is used to the affiliate settlement terminal 400, So that the user 100 can check the available coupons at the affiliate payment terminal 400 provided at the merchant.

The security coupon server 200 receives a settlement approval request signal of coupons selected from the coupons available to the user 100 among the unused coupons included in the coupon inquiry result from the affiliate payment terminal 400, Can be performed. At this time, the security coupon server 200 confirms the status information indicating availability of the coupon corresponding to the coupon number of the selected coupon through the affiliate settlement terminal 400, and if the status information is available, The terminal 400 can transmit a payment approval signal to notify that the payment can be made through the coupon selected. The status information may include availability of the coupon, merchant information on which the coupon can be used, expiration date of the coupon, and discount amount of the coupon.

The security coupon server 200 may change the coupon status information from 'available' to 'unavailable' based on the usage information of the coupon selected from the affiliate payment terminal 400 when the payment through the card is completed through the affiliate settlement terminal 400 Quot ;, or the information on the used coupon is deleted and stored, thereby updating the status information with respect to the used coupon.

The relay server 300 may include a credit card company, a broadcasting company, and other media of a marketing service entity that the user 100 accesses through the terminal in the coupon issue request process of the user 100. [ The medium may include a credit card company, a tobacco company, and other web sites provided by a marketing service entity through the Internet. The user 100 may perform at least one of purchasing a coupon, participating in an event, have.

The relay server 300 can be interlocked with a server of a credit card company server, a membership server, and other marketing business entity, which is another relay server 500. The relay server 300 can be operated by a user of a credit card company server, 100) to receive the public identifier and store the public identifier in the database.

The relay server 300 may transmit the public identifier and the coupon information corresponding to the user 100 to the security coupon server 200 in order to issue a coupon corresponding to the user 100. [

The relay server 300 can be used not only as a medium of a credit card company server, a membership server and other servers of a marketing service entity to which the user 100 accesses for issuing a coupon, but also a VAN (Value- added network server. In general, a value-added network (VAN) is called a so-called value-added network. The VAN (value-added network) is a so-called value- Or a set of relay services that provide data information.

The VAN server, which is the relay server 300 according to an embodiment of the present invention, receives the unique identifier and the merchant information, which is the card number, from the affiliate settlement terminal 400, reads the credit card information, identifies the credit card company, And requests the other relay server 500, which is a server of the credit card company, VIP and other marketing business entity, to inquire the public identifier corresponding to the dedicated identifier, and transmits a public identifier corresponding to the private identifier corresponding to the dedicated identifier from the other relay server 500 An identifier can be obtained.

The VAN server as the relay server 300 may transmit the public identifier obtained from the other relay server 500 to the security coupon server 200 and request the inquiry of the stored coupon corresponding to the public identifier. At this time, the security coupon server 200 can transmit the coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier and the status information indicating whether or not the coupon is used to the affiliate settlement terminal 400.

The affiliate settlement terminal 400 is a terminal for requesting settlement of an amount of purchase such as an article or service. Here, the affiliate settlement terminal 400 defines a concept including both a terminal and a server requesting various settlements such as a POS (Point of Sale) terminal and an online shopping mall server of an offline store.

The affiliate settlement terminal 400 is connected to the security coupon server 200 via an online network. The affiliate settlement terminal 400 is connected to an online network with a VAN server, which is a relay server 300, for a general card transaction. The VAN server includes a credit card company server, And is connected to the server of the membership server and other marketing business entity through a communication network.

The affiliate settlement terminal 400 recognizes the card number, which is a dedicated identifier included in the card, when the user 100 requests the card payment, and transmits the acquired private identifier and merchant information to the VAN server, which is the relay server 300. The VAN server, which is the relay server 300 that has received the private identifier and the merchant information from the affiliate payment terminal 400, requests the other relay server 500 to inquire the public identifier corresponding to the dedicated identifier, A public identifier corresponding to the dedicated identifier can be obtained.

The affiliate payment terminal 400 may transmit the acquired public identifier to the security coupon server 200 and request the inquiry of the previously stored coupon corresponding to the public identifier. The affiliate payment terminal 400 receives the coupon inquiry result including the pre-stored coupon number corresponding to the public identifier and the status information indicating availability of the coupon from the security coupon server 200 and transmits it to the affiliate payment terminal 400 Or may be displayed on a separate monitor window connected to the affiliate settlement terminal 400 so that the operator who operates the coupon user 100 and the affiliate payment terminal 400 can confirm it.

The affiliate payment terminal 400 may select a coupon suitable for the purchased product or service of the user 100 from among unused coupons included in the coupon inquiry result or may select an optional coupon according to the request of the user 100 .

The affiliate payment terminal 400 may request the security coupon server to determine whether payment processing through the selected coupon is possible.

The affiliate payment terminal 400 receives the payment approval signal from the security coupon server 200 to notify that the payment for the purchased product or service is available by applying the selected coupon and calculates the payment amount to which the selected coupon is applied And displayed on a monitor connected to the affiliate settlement terminal 400, and can apply the selected coupon to the settlement processing. Thereafter, the affiliate settlement terminal 400 prepares a special edition including the final payment amount to which the coupon is applied, and provides it to the VAN server, which is the relay server 300, to the credit card company server, the membership company server, So that the corresponding other relay server 500 can proceed the payment approval procedure.

The other relay server 500 may include a credit card company server, a membership company server, and a server of another marketing business entity. When the other relay server 500 receives the card number, which is a dedicated identifier acquired by the affiliate payment terminal 400, from the VAN server that is the relay server 300, the relay server 300 inquires the public identifier corresponding to the dedicated identifier, VAN server.

The other relay server 500 may store in the database a public identifier such as a CI (Connection Information), a customer number, and a membership number corresponding to a card number which is a dedicated identifier in terms of customer management. At this time, the other relay server 500 may request the certification authority server 600 to inquire the public identifier corresponding to the dedicated identifier, and obtain a public identifier such as CI (Connection Information).

The other relay server 500 may transmit a coupon issue request signal to the security coupon server 200 to generate a coupon corresponding to the public identifier. Thereafter, when the security coupon server 200 receives the coupon issue request signal from the other relay server 500, the security coupon server 200 can generate a coupon corresponding to the public identifier. At this time, To provide credit card companies, membership companies and other marketing business entities as members for marketing purposes, as coupons generated by credit card company server, membership server company and other servers of the marketing business, not coupons generated. It is a generated coupon.

The certification authority server 600 receives private information of users subscribed as members from another relay server 500 including a credit card company server, a membership server, and other servers of a marketing service entity, and transmits a public identifier corresponding to the personal information And stores the personal information and the public identifier in association with each other. At this time, the personal information may be information such as a user's ID, an encrypted card number, an age, a gender, an address, a job, etc., and may not store a resident registration number or an IP address. That is, instead of storing the resident registration number or IP address of the user 100, the certification authority server 600 stores the personal identifier, which is a unique identifier corresponding to the individual of the user 100, in association with personal information, Personal information leakage can be prevented.

Upon receiving a card number that is a dedicated identifier from another relay server 500 including a credit card company server, a membership server, and other servers of a marketing service entity, the certification authority server 600 inquires of the public identifier corresponding to the dedicated identifier It is possible to provide the inquiry result of the public identifier to the other relay server 500.

2 is a block diagram of a security coupon server 200 according to an embodiment of the present invention.

Referring to FIG. 2, the security coupon server 200 according to an embodiment of the present invention may include a communication unit 210, a control unit 220, and a storage unit 230.

The communication unit 210 transmits and receives a signal necessary for the operation of the security coupon server 200. In particular, the communication unit 210 performs data communication from the relay server 300 (FIG. 1) and the affiliate payment terminal (400 in FIG. 1). In more detail, the communication unit 210 may receive a coupon issuance request signal including a public identifier and coupon information from the relay server 300 corresponding to a credit card company, a tobacco company, and other media of a marketing business entity.

The communication unit 210 transmits a message to the relay server (300 in FIG. 1) informing that the coupon has been generated and issued by the control unit 220 according to the coupon issue request signal.

The communication unit 210 receives the public identifier acquired from another relay server (500 in FIG. 1) using the card number that is the exclusive identifier of the affiliate settlement terminal (400 in FIG. 1).

The communication unit 210 transmits the query result of the coupon stored in advance to the affiliate payment terminal (400 in FIG. 1) corresponding to the public identifier.

The communication unit 210 receives a settlement approval request for the coupon selected from the unused coupons included in the inquiry result of the coupon from the affiliate payment terminal (400 in FIG. 1).

The control unit 220 controls the security coupon server 200 in its entirety. For example, the control unit 220 stores information received by the communication unit 210 in the storage unit 230, acquires necessary information from the storage unit 230 according to the request message received by the communication unit 210, Create a response to the item. More specifically, the control unit 220 can generate coupons to which a coupon number unique to the coupon information received by the communication unit 210 and an expiration date are assigned. 1) or receives a coupon issue request signal from another relay server (500 of FIG. 1) from the relay server 300 (300 of FIG. 1), the control unit 220 transmits a coupon A unique coupon number corresponding to the information and an expiration date are added to generate a coupon.

Upon completion of the coupon generation, the control unit 220 generates a message indicating that the coupon has been issued and instructs the communication unit 210 to transmit the coupon to the relay server 300 (FIG. 1).

The control unit 220 receives the public identifier obtained from the other relay server (500 in FIG. 1) using the dedicated identifier by the affiliated payment terminal (400 in FIG. 1) through the communication unit 210, The stored coupons are displayed.

The control unit 220 instructs the communication unit 210 to transmit the inquiry result of the pre-stored coupon corresponding to the public identifier to the affiliate settlement terminal (400 in FIG. 1).

Upon receiving a settlement approval request signal for coupons selected from unused coupons included in the coupon inquiry result from the affiliate settlement terminal (400 in FIG. 1), the control unit 220 performs a payment approval procedure through the selected coupon, And reflects on the coupon status information stored in the storage unit 230 that the selected coupon has been used.

When the control unit 220 receives a payment approval request signal for a coupon selected from the unused coupons included in the coupon inquiry result from the affiliate settlement terminal (400 in FIG. 1), the control unit 220 determines whether the coupon corresponding to the coupon number of the selected coupon can be used And transmits a payment approval signal for notifying that payment via the coupon selected by the affiliate payment terminal (400 in FIG. 1) is possible if the coupon status information is available as a result of checking.

The storage unit 230 may store information received by the communication unit 210 and information and program codes necessary for operation of the security coupon server 200. The storage unit 230 stores the coupon number and status information of the coupon generated by the control unit 220 in association with the public identifier. The status information may include whether or not a coupon is used, merchant information on which the coupon can be used, an expiration date of the coupon, and a discount amount of the coupon. At this time, the storage unit 230 receives the coupon issue request signal from the relay server 300 (FIG. 1) through the communication unit 210 and transmits the coupon generated from the control unit 220 and the coupon Receives the issuance request signal, and stores the coupon generated by the control unit 220 in association with the public identifier.

3 is a block diagram of an affiliate payment terminal 400 according to an embodiment of the present invention.

3, an affiliate payment terminal 400 according to an embodiment of the present invention includes a communication unit 410, a control unit 420, a storage unit 430, and an input unit 440, The affiliate payment terminal 400 may further include a display unit.

The communication unit 410 transmits and receives signals necessary for operation of the affiliate settlement terminal 400. [ 1, the communication unit 410 performs data communication with the relay server 300 (FIG. 1) and the security coupon server 200, or the communication unit 410 transmits data with another relay server (500 of FIG. 1) And the security coupon server 200 (FIG. 1).

The control unit 420 controls the entirety of the affiliate settlement terminal 400. For example, the control unit 420 may allow a user (100 in FIG. 1) to present a card issued by a credit card company, a tobacco company, and other marketing business entity at a merchant and input a card number, contact the card, (100 in Fig. 1) by recognizing an NFC (Near Field Communication) tag, a QR code, a bar code, etc., in which a card number unique to the mobile card stored in the mobile communication terminal A card number which is a dedicated identifier can be obtained.

The control unit 420 transmits the private identifier and the merchant information to the relay server 300 through the communication unit 410 to acquire the public identifier corresponding to the dedicated identifier from another relay server 500 in FIG. The acquired public identifier is transmitted to the security coupon server 200 (FIG. 1) to receive the coupon number of the pre-stored coupon corresponding to the public identifier from the security coupon server 200 (FIG. 1) and status information indicating whether the coupon is used And receives the coupon inquiry result. In addition to the availability of the coupon, the status information may further include merchant information on which the coupon can be used, an expiration date of the coupon, and a discount amount of the coupon.

The control unit 420 transmits a settlement approval request signal for requesting payment through the coupon selected from the unused coupons included in the coupon inquiry result through the input unit 440 to the security coupon server 200 Upon receiving a payment approval signal from the server (200 in FIG. 1) indicating that settlement via the selected coupon is possible, payment processing through the selected coupon can be performed.

The control unit 420 can notify the security coupon server 200 of FIG. 1 that the selected coupon has been used after completing the settlement processing through the selected coupon through the input unit 440. [

The input unit 440 receives an inquiry about the purchased coupon of the user 100 that is usable from among the unused coupons included in the inquiry result of the pre-stored coupon corresponding to the public identifier received from the security coupon server 200 A coupon can be selected, or an arbitrary coupon can be selected according to a request of the user 100. [

Although not shown in FIG. 3, the affiliate payment terminal 400 may further include a display unit. The display unit displays the coupon number of the pre-stored coupon corresponding to the public identifier received from the security coupon server 200 (FIG. 1) A coupon inquiry result including status information indicating whether the coupon is used or not can be displayed. In addition to the availability of the coupon, the status information may further include merchant information on which the coupon can be used, an expiration date of the coupon, and a discount amount of the coupon.

4 is a flowchart of a coupon issuing process according to an embodiment of the present invention.

One embodiment of the present invention can be divided into a coupon issuing process and a coupon payment process. FIG. 4 is a view showing the flow of the coupon issuing process. In the coupon issuing process, the relay server 300 includes a medium of credit card company, broadcasting company, and other marketing business entity to which the user 100 accesses through the terminal . The medium 100 may include a website provided by a credit card company, a publisher, and other mediums of a marketing service entity, and the user 100 may perform at least one of purchasing a coupon, participating in an event, .

In step 410, the user 100 accesses the relay server 300 through the terminal, and the user 100 purchases a desired product, inputs or selects a coupon for using the service, And requests the relay server 300. The user 100 accesses the relay server 300 through the terminal and joins the event provided by the credit card company, the VIP and other marketing business entity or joins membership of the membership company in step 410, To the relay server 300 in response to the coupon.

The relay server 300 may request the issuance of the coupon corresponding to the user 100 by transmitting a coupon issue request signal including the public identifier and the coupon information to the security coupon server 200 in step 415. [ In the coupon issuance request process, the relay server 300 can interwork with a server of a credit card company server, a membership server and other marketing business entity storing a public identifier corresponding to the user 100, It can confirm the corresponding public identifier and transmit the public identifier confirmed to the security coupon server 200. The coupon information may include the contents and the quantity of the coupon to be provided in accordance with the user 100.

In step 420, upon receipt of the coupon issuance request signal including the public identifier and the coupon information from the relay server 300, the security coupon server 200 generates a coupon by giving a unique coupon number and valid period corresponding to the coupon information can do. The security coupon server 200 can store the coupon number and the validity period of the coupon generated in association with the coupon information in association with the public identifier of the user 100. [

In step 425, the security coupon server 200 may transmit to the relay server 300 information indicating that a coupon has been generated and issued corresponding to the public identifier and coupon information received from the relay server 300. [

In step 430, the relay server 300 receives the information indicating that the coupon corresponding to the user 100 has been generated from the security coupon server 200. The relay server 300 generates a message informing that the coupon has been issued, 100 to the mobile station.

In step 435, the user 100 can receive the coupon issuance guidance message from the relay server 300 through the terminal and confirm whether or not the coupon is issued and the valid period. For example, the coupon issuance prompting message may include "XX card coupon 2 issued to XX card customer's XX card. Valid period: 2014/01/01 ~ 2014/12/31"

5 is a flowchart of a coupon settlement process according to an embodiment of the present invention.

One embodiment of the present invention can be divided into a coupon issuing process and a coupon payment process. FIG. 5 is a flowchart illustrating a coupon payment process. In the coupon payment process, a relay server (not shown) may include a VAN (Value-Added Network) server.

In step 510, the user 100 receives a card or a card issued by a credit card company, a credit card company, or other marketing business entity in order to pay for the goods or services provided by a credit card company, NFC tags, QR codes, and bar codes stored in the terminal of the user 100 to the affiliate payment terminal 400 and displays the credit card company, A request for use of at least one of a coupon provided by a marketing business entity, a coupon previously purchased, a coupon by winning an event, and a coupon by a membership member.

In step 515, the affiliate payment terminal 400 may acquire the card number, which is a dedicated identifier, by recognizing the card number, which is a dedicated identifier included in the card, when the user 100 requests the card. In step 520, the affiliate payment terminal 400 may transmit the exclusive identifier and the merchant information obtained in step 515 to the VAN server, which is a relay server not shown in FIG.

In step 525, the VAN server, which is a relay server (not shown) that has received the dedicated identifier and the merchant information from the affiliate payment terminal 400, sends the credit card company server, the membership server, A public identifier corresponding to the dedicated identifier can be obtained from the other relay server 500 by requesting the inquiry of the public identifier corresponding to the dedicated identifier. For example, the other relay server 500 may acquire and store a public identifier corresponding to a dedicated identifier from an authentication authority server (not shown), or may include a customer number or a membership number generated in response to a customer corresponding to a dedicated identifier Or obtains the public identifier corresponding to the dedicated identifier by requesting inquiry of the public identifier corresponding to the dedicated identifier by the certificate authority server (not shown). The certificate authority server (not shown) may generate a public identifier corresponding to the personal information, and may store the personal information and the public identifier in association with each other. At this time, the personal information may be information such as a user's ID, an encrypted card number, an age, a gender, an address, a job, etc., and may not store a resident registration number or an IP address. That is, instead of storing the resident registration number or IP address of the user 100, the certification authority server 600 stores the personal identifier of the user 100 in association with the public identifier, which is a unique identifier corresponding to the individual of the user 100 It is possible to prevent personal information from being leaked by the user.

In step 530, the other relay server 500 may inquire the public identifier corresponding to the dedicated identifier and transmit the acquired public identifier to the security coupon server 200. [ In step 535, the security coupon server 200 can inquire the pre-stored coupon corresponding to the public identifier received from the other relay server 500. The coupon stored in the security coupon server 200 is a coupon generated by the security coupon server 200 in response to the coupon issuance request signal from the relay server 300 and corresponding to the public identifier, And may include a coupon generated by receiving the request signal and corresponding to the public identifier.

In step 540, the security coupon server 200 may transmit the coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier and the status information indicating whether the coupon is used to the affiliate settlement terminal 400. In addition to the availability of the coupon, the status information may further include merchant information on which the coupon can be used, an expiration date of the coupon, and a discount amount of the coupon.

In step 545, the affiliate payment terminal 400 receives the coupon inquiry result including the pre-stored coupon number corresponding to the public identifier and the status information indicating whether or not the coupon is used, from the security coupon server 200 and transmits the coupon inquiry result to the affiliate payment terminal 400 or displayed on a separate monitor window connected to the affiliate settlement terminal 400 so that the operator who operates the coupon user 100 and the affiliate payment terminal 400 can confirm the information.

In step 550, the affiliate payment terminal 400 selects a coupon suitable for the purchased product or service of the user 100 from unused coupons included in the coupon inquiry result, or selects a coupon corresponding to the request of the user 100 You can choose.

In step 555, the affiliate payment terminal 400 may request the security coupon server 200 to confirm whether payment processing through the coupon selected in step 550 is possible.

In step 560, the security coupon server 200 can check the status information indicating availability of the coupon corresponding to the coupon number of the selected coupon through the affiliate payment terminal 400. [ The status information may include availability of a coupon, merchant information on which the coupon can be used, validity period of the coupon, and discount amount of the coupon. That is, the security coupon server 200 refers to the coupon status information stored in the storage unit on the basis of the coupon number of the selected coupon, determines whether or not the coupon is available at the corresponding merchant provided with the affiliate settlement terminal 400, The validity period of the coupon can be confirmed and it can be determined whether settlement through the coupon is possible.

If the security coupon server 200 determines in step 560 that the settlement through the selected coupon is possible as a result of checking the status information of the selected coupon, the security coupon server 200 determines in step 565 that settlement via the selected coupon is possible And transmits the settlement approval signal for notifying the settlement terminal 400 to the affiliate payment terminal 400.

In step 570, the affiliate payment terminal 400 calculates the payment amount to which the selected coupon is applied, displays it on a monitor connected to the affiliate payment terminal 400, and applies the selected coupon to the payment processing.

Although not shown in FIG. 5, the affiliate payment terminal 400 may apply the selected coupon to create a discounted amount of the coupon including the final payment amount, and provide the coupon to the VAN server, which is a relay server (not shown) A credit card company server, a membership company server, and other relay server 500, which is a server of a marketing service entity, to perform the card payment approval procedure. Then, the other relay server 500 may transmit the result of the card payment approval to the terminal of the user 100 and the affiliate payment terminal 400 after performing the card payment approval procedure.

6 is a flowchart showing the operation of the security coupon server 200 according to an embodiment of the present invention.

Referring to FIG. 6, in step 610, the security coupon server 200 can receive the public identifier obtained by inquiring the public identifier corresponding to the private identifier from the other relay server 500 in the coupon payment process. The private identifier is acquired by the affiliate payment terminal 400. The other relay server 500 can receive the private identifier from the affiliate payment terminal 400 and inquire the public identifier corresponding to the private identifier.

In step 615, the security coupon server 200 can inquire the pre-stored coupon corresponding to the public identifier received in step 610. The coupon stored in the security coupon server 200 is a coupon generated by the security coupon server 200 in response to the coupon issuance request signal from the relay server 300 and corresponding to the public identifier, And may include a coupon generated by receiving the request signal and corresponding to the public identifier.

In step 620, the security coupon server 200 may provide the coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier and the status information indicating whether the coupon is used to the affiliate settlement terminal 400. In addition to the availability of the coupon, the status information may further include merchant information on which the coupon can be used, an expiration date of the coupon, and a discount amount of the coupon.

In step 625, the security coupon server 200 may receive a payment approval request through the coupon selected from unused coupons included in the coupon inquiry result provided in step 620, from the affiliate payment terminal 400.

In step 630, the security coupon server 200 checks the status information indicating whether or not the coupon corresponding to the coupon number of the selected coupon is available through the affiliated payment terminal 400 and confirms whether payment processing through the selected coupon is possible have. That is, the security coupon server 200 refers to the coupon status information stored in the storage unit on the basis of the coupon number of the selected coupon, determines whether or not the coupon is available at the corresponding merchant provided with the affiliate settlement terminal 400, The validity period of the coupon can be confirmed and it can be determined whether settlement through the coupon is possible.

In step 635, when the security coupon server 200 determines that the payment through the selected coupon is possible as a result of checking the status information of the selected coupon, the security coupon server 200 transmits a payment approval signal to the affiliate payment terminal 400). If the security coupon server 200 determines that the coupon does not exist because the validity period of the coupon does not exist and payment through the selected coupon is not possible as a result of checking the status information of the selected coupon of the security coupon server 200, To the affiliate settlement terminal 400, a settlement notifying signal indicating that settlement via the selected coupon is impossible. For example, when the security coupon server 200 judges that the coupon to be applied does not exist after the expiration of the valid coupon, the payment can not be made through the selected coupon. When the user 100 makes a payment through the credit card, The card payment approval process for the final payment amount can be performed without applying. According to the above-described embodiment, it is possible to provide a payment settlement method using a coupon by using a public identifier that can prevent leakage of personal information of the customer, not the personal information of the customer. Such a payment method can prevent leakage of personal information of the customer, thereby reducing the anxiety of leakage of the customer's personal information and providing the best benefit to the customer, such as cost reduction. In addition, by providing a system that unifies and manages a single unique identifier corresponding to an individual customer, the merchant, payment agency, credit card company, membership company, and other marketing business entity can provide settlement and accounting .

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: User 200: Security coupon server
210, 410: communication unit 220, 420:
230, 430: storage unit 440: input unit
300: Relay server 400: Affiliate payment terminal
500: other relay server

Claims (18)

A payment method for a coupon issued by a security coupon server connected to a relay server and an affiliate settlement terminal through a network,
Receiving a coupon issue request signal including the public identifier and coupon information from the relay server;
Generating a coupon corresponding to the coupon information, associating the generated coupon with the public identifier, and storing the coupon;
If the affiliate payment terminal receives the public identifier obtained from the other relay server using the private identifier, inquiring the pre-stored coupon corresponding to the public identifier;
Transmitting an inquiry result of the coupon to the affiliate payment terminal; And
Receiving a payment approval request signal of a coupon selected from unused coupons included in the inquiry result from the affiliate payment terminal and performing a payment approval procedure through the selected coupon;
Lt; / RTI >
Wherein the same public identifier in the relay server and the other relay server are unique identifiers corresponding to the same individual. The method according to claim 1, wherein the step of generating a coupon corresponding to the coupon information comprises:
And generating a coupon by assigning a unique coupon number corresponding to the coupon information and a validity period. The method of claim 1, further comprising: before receiving the public identifier obtained from the other relay server,
Transmitting the dedicated identifier to another relay server when the affiliate payment terminal receives the dedicated identifier; And
The security coupon server receiving a public identifier corresponding to the dedicated identifier from the other relay server;
. The method of claim 1, further comprising: after storing the generated coupon in association with the public identifier,
Transmitting information indicating that the coupon has been generated to the relay server; And
The relay server having received the information generates a guide message indicating that the coupon has been issued and transmitting the generated message to the terminal of the user who has issued the coupon;
. The method according to claim 1, wherein the pre-stored coupon corresponding to the public identifier comprises:
A coupon generated by receiving a coupon issue request signal from the relay server, and a coupon generated by receiving a coupon issue request signal from the other relay server. The method according to claim 1, wherein the step of transmitting an inquiry result of the coupon to the affiliate payment terminal comprises:
The coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier and the status information indicating whether or not the coupon is used is transmitted to the affiliate payment terminal. The method as claimed in claim 1, wherein the step of performing a payment approval procedure through the selected coupon comprises:
And a payment information notification unit for confirming status information indicating whether the coupon corresponding to the coupon number of the selected coupon is available and for confirming that settlement via the selected coupon is possible to the affiliate payment terminal if the status information is available And transmits an approval signal. A coupon payment method performed by an affiliate payment terminal connected to a relay server and a security coupon server via a network,
Obtaining a dedicated identifier;
Transmitting the dedicated identifier and merchant information to the relay server;
And receives and displays a coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier obtained by using the private identifier by the relay server from the security coupon server and the status information indicating whether or not the coupon is used step;
Selecting any coupons available from unused coupons included in the displayed coupon inquiry result;
Transmitting to the security coupon server a payment approval request signal for requesting payment through the selected coupon; And
Receiving a payment approval signal from the security coupon server to notify that payment via the selected coupon is possible, and performing payment processing through the selected coupon;
Lt; / RTI >
Wherein the same public identifier is a unique identifier corresponding to the same individual in the relay server different from the relay server. 9. The method of claim 8, further comprising: after performing the payment processing through the selected coupon,
And notifying the security coupon server that the selected coupon has been used by the security coupon server. The method of claim 8, wherein the receiving of the coupon inquiry result comprises:
When the affiliate payment terminal transmits the private identifier and the merchant information to the relay server, the relay server requests the other relay server to inquire the public identifier corresponding to the private identifier;
Receiving a public identifier obtained from the relay server by the affiliate payment terminal, the relay server obtaining a public identifier corresponding to the private identifier from the other relay server; And
And transmitting the acquired public identifier to the security coupon server by the affiliate payment terminal, and requesting inquiry of the pre-stored coupon corresponding to the public identifier,
The step of displaying the coupon inquiry result includes:
And receiving and displaying a coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier and the status information indicating whether or not the coupon is used, from the security coupon server by the affiliate payment terminal Payment method. A security coupon server connected to a relay server and an affiliate settlement terminal through a network,
A communication unit for performing data communication from the relay server and the affiliate payment terminal;
A control unit for generating a coupon having a unique coupon number and a valid period corresponding to the coupon information upon receiving the public identifier and coupon information from the relay server; And
A storage unit for storing coupon number and status information of the coupon generated by the control unit in association with the public identifier;
Lt; / RTI >
When the affiliate payment terminal receives the public identifier obtained from the other relay server by using the private identifier, the controller inquires the pre-stored coupon corresponding to the public identifier and transmits the inquiry result of the coupon to the affiliate payment terminal ,
Wherein the same public identifier in the relay server and the other relay server are unique identifiers corresponding to the same individual. 12. The apparatus according to claim 11,
Upon receipt of a payment approval request signal for a coupon selected from the unused coupons included in the inquiry result from the affiliate payment terminal, performs a payment approval procedure using the selected coupon, and then notifies the storage unit that the selected coupon has been used And reflects the stored coupon status information. 12. The apparatus according to claim 11,
Upon receipt of a payment approval request signal for a coupon selected from the unused coupons included in the inquiry result from the affiliate payment terminal, confirms status information indicating availability of the coupon corresponding to the coupon number of the selected coupon, And transmits a payment approval signal for notifying the affiliate payment terminal that payment via the selected coupon is possible if the status information is available. 12. The apparatus according to claim 11,
Receiving a coupon issuance request signal from the relay server, receiving a coupon generated by the controller and a coupon issuance request signal from the other relay server, and storing the coupon generated by the controller in association with the public identifier. Coupon Server. An affiliate settlement terminal connected to a relay server and a security coupon server through a network,
A communication unit for performing data communication with the relay server and the security coupon server;
And transmits the public identifier obtained from the other relay server to the security coupon server by using the acquired private identifier to obtain the coupon number of the pre-stored coupon corresponding to the public identifier from the security coupon server, A coupon inquiry result including status information indicating whether the coupon is used or not; And
And an input unit for selecting any coupon available from among unused coupons included in the coupon inquiry result,
The control unit transmits to the security coupon server a settlement approval request signal for requesting payment through the coupon selected through the input unit and receives a settlement approval signal from the security coupon server to notify that settlement via the selected coupon is possible Performs payment processing through the selected coupon,
Wherein the same public identifier is one unique identifier corresponding to the same individual in the relay server different from the relay server. 16. The apparatus of claim 15, wherein the control unit
And notifies the security coupon server that the selected coupon has been used when the settlement processing is performed through the coupon selected through the input unit. 16. The apparatus of claim 15,
Transmits the private identifier and the merchant information to the relay server through the communication unit to acquire the public identifier corresponding to the dedicated identifier from the other relay server and transmits the acquired public identifier to the security coupon server, And requests an inquiry of a corresponding pre-stored coupon. 16. The method of claim 15,
And a display unit for displaying a coupon inquiry result including the coupon number of the pre-stored coupon corresponding to the public identifier received from the security coupon server and the status information indicating whether the coupon is used or not.

Images