KR100727241B1 - Method of providing merchandise coupon based on ic chip - Google Patents

Abstract

The present invention relates to a IC chip-based money type gift certificate service method, in particular, the eleventh step (S11) of the mobile communication terminal 100 transmitting the CTN and gift certificate ID of the user to the distribution POS terminal 200; When the distribution POS terminal 200 requests the approval of the gift certificate through the distribution POS server 300 and the gateway server 400, the gift certificate server 500 may check whether the gift certificate is valid and settle the payment amount. A thirteenth step (S13) of checking whether there is a gift certificate information through the DB 501; If it is impossible to pay with the gift certificate in the thirteenth step (S13) (NO), the gift certificate server 500 checks whether there is a gift certificate that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs, in the gift certificate information DB 501. (S14), if there is no payable gift certificate (NO), the balances of all the gift certificates included in the virtual gift certificate are combined, and the expenses are processed according to the priority of the target gift certificate (S15). The present invention is characterized in that it consists of a sixteenth step (S16), the present invention provides the convenience according to the user's gift voucher payment, thereby increasing the user's satisfaction with the gift voucher payment service competitiveness There is an excellent effect to increase.

Mobile chip, gift voucher payment, gateway server, distribution POS server, virtual gift voucher,

Description

IC chip based money voucher service method {METHOD OF PROVIDING MERCHANDISE COUPON BASED ON IC CHIP}

1 is a network diagram showing the configuration of a mobile chip payment system using a server operation processing based on the IC chip to which the present invention is applied,

2 is an operation flowchart showing a IC chip-based money type gift certificate service method according to an embodiment of the present invention;

3 is a call flow chart for explaining the IC chip-based money type gift certificate service method according to FIG.

4 is an operation flowchart illustrating a processing process of a gift certificate server in the IC chip-based money type gift certificate service method according to FIG. 2;

5 is an operation flowchart showing an approval cancellation process in an IC chip-based money type gift certificate service method according to an embodiment of the present invention;

FIG. 6 is a flowchart illustrating an operation of canceling an approval from a gift voucher server in the IC chip-based money voucher service method according to FIG. 5;

FIG. 7 is an operation flowchart illustrating a process in which payment processing is performed by a virtual gift certificate in the IC chip-based money type gift certificate service method of FIG. 2.

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

100: mobile communication terminal 200: distribution POS terminal

300: distribution POS server 400: gateway server

500: gift certificate server 501: gift certificate information DB

502: use / approval information DB

The present invention relates to an IC chip-based money voucher service method, and more particularly, in providing a mobile gift voucher service, the amount voucher service, such as a virtual account, is not only used for each kind of paper gift voucher when a user vouches the voucher. The present invention relates to an IC chip-based value-type gift certificate service method that facilitates the management of gift certificates along with convenience according to the payment of the gift certificate of the user.

As is well known, due to the rapid development of the mobile communication industry, the modern society does not allow users to purchase goods at specific stores and pay directly with cash or cards. Payment can be made using the Loyalty Service components. At this time, the various loyalty service components embedded in the mobile IC chip represent payment methods such as credit cards, gift certificates, coupons, and memberships.

However, in the case of the gift voucher service of the above-described payment means, when the customer purchases a gift certificate or is provided through a gift, the gift certificate information is stored in the mobile IC chip of the mobile communication terminal of the customer, and the gift certificate information is stored in the gift certificate information of the gift certificate server. It is classified and stored according to the type of denomination in DB (Database).

However, in the conventional IC chip-based gift certificate service method, when a customer requests a payment with a gift certificate after purchasing an item, only the kind of the paper gift certificate can be used separately. Therefore, when the balance of the gift certificate is insufficient, payment was difficult. In addition, there is a problem in that the use of each voucher amount of the user cannot be integrated and the quality of the voucher payment and management service is low, resulting in inconvenience in use.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, and an object of the present invention is to provide a mobile voucher service, not to use only for each kind of branch voucher at the time of payment of the voucher of the user, the same amount as the virtual account. By providing a type gift certificate service, the IC chip-based value-type gift certificate service method to facilitate the management of the gift certificate with the convenience according to the payment of the gift certificate of the user.

In order to achieve the above object, the IC chip-based money type gift certificate service method of the present invention includes a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB, and a use / authorization information DB. In the IC chip-based value type gift certificate service method comprising:

An eleventh step of transmitting, by the mobile communication terminal, the CTN and the gift certificate ID of the user to the distribution point of sale (POS) terminal when the user requests to use a gift certificate after purchasing an item;

A twelfth step of the distribution POS terminal requesting approval of the gift certificate by transmitting a payment amount, a CTN of the user, and a gift certificate ID to the gateway server through the distribution POS server;

When the gateway server sends the payment amount, the CTN of the user and the gift certificate ID to the gift certificate server, and requests the approval of the gift certificate, the gift certificate server determines whether the gift certificate is valid and whether the payment amount can be paid. A thirteenth step of checking whether through the gift certificate information DB;

If it is impossible to pay with the gift certificate in the thirteenth step, the gift certificate server checks in the gift certificate information DB whether there is a payable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs;

In the step 14, if there is no voucher available for payment among other vouchers of the virtual voucher to which the voucher belongs, the voucher server combines the balances of all vouchers included in the virtual voucher and processes the cost according to the priority of the target voucher. 15 steps; And

And a sixteenth step, wherein the gift certificate server updates the information on the gift certificate information DB and the use / approval information DB according to the use and payment processing of the gift certificate and informs the mobile terminal of the result of the use and approval.

In addition, the present invention IC chip-based money type gift certificate service method, IC chip-based consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB, and a use / approval information DB embedded In the amount-type gift certificate service method,

If the request for using the gift certificate according to the purchase of the user proceeds through the distribution POS terminal, the distribution POS server and the gateway server, whether the gift certificate server is valid and whether the payment amount can be paid A twenty-first step of confirming through the gift certificate information DB;

A twenty-second step of checking, in the twenty-first step, whether the gift certificate server checks whether there is a gift certificate that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs;

In the step 22, if there is no payable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs, the gift voucher server combines the balances of all the gift certificates included in the virtual gift certificate and processes the cost according to the priority of the target gift certificate. Step 23; And

And a twenty-fourth step, wherein the gift certificate server updates the information on the gift certificate information DB and the use / approval information DB according to the use and payment processing of the gift certificate and informs the mobile communication terminal of the result of the use and approval.

On the other hand, the present invention IC chip-based money type gift certificate service method, IC chip-based consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB, and a use / approval information DB embedded In the amount-type gift certificate service method,

A thirty-first step of requesting, by the distribution POS terminal, to cancel the approval of the gift certificate of the user through the distribution POS server when the approval cancellation of the gift certificate is requested by the user;

When the gateway server requests the gift voucher server to cancel the authorization of the voucher of the user, the voucher server displays the status of the target vouchers for the virtual voucher that was used and processed at the time by the authorization number. A thirty-second step of restoring the original information by updating information of the approval information DB; And

And a thirty-third step in which the gift certificate server stores the cancellation approval number of the gift certificate in the use / approval information DB and informs the mobile communication terminal of the cancellation approval result.

In addition, the present invention IC chip-based value-type gift certificate service method, IC chip-based consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / approval information DB In the amount-type gift certificate service method,

When the request for canceling the approval of the gift certificate by the user proceeds through the distribution POS terminal, the distribution POS server, and the gateway server, the gift certificate server indicates the status of the target gift certificates for the virtual gift certificate that was used at the time by the approval number. A forty-first step of restoring information by updating the information DB and the use / approval information DB; And

The gift certificate server stores the cancellation approval number of the gift certificate in the use / approval information DB, and informs the mobile communication terminal of the cancellation approval result.

On the other hand, in the IC chip-based value-type gift certificate service method consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / authorization information DB,

When the gateway server sends the payment amount, the CTN of the user and the ID of the virtual gift certificate, and requests the approval of the virtual gift certificate, the gift certificate server adds the balance of all the gift certificates included in the virtual gift certificate and then prioritizes the target gift certificate. A fifty-first step of processing costs according to the ranking; And

The gift certificate server may be configured to update the information of the gift certificate information DB and the use / approval information DB according to the use and payment processing of the gift certificate, and inform the mobile communication terminal of the use and approval result.

Hereinafter, an IC chip-based money type gift certificate service method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a network diagram showing the configuration of a mobile chip payment system using a server operation processing based on the IC chip to which the present invention is applied, which is a mobile communication terminal 100, a distribution POS terminal 200, a distribution POS (Point of Gift voucher server 500 with a server (Server) 300, a gateway (G / W: Gate Way) server 400, a gift voucher information DB (Database) 501 and use / approval information DB (502) Consists of

In this case, the mobile communication terminal 100 has an IC chip that stores information on payment means such as membership, various coupons, various gift certificates and credit cards, and the like. Send the CTN (Cellular Telephone Number) and the gift certificate ID to the distribution POS terminal 200, and after receiving the payment processing result message from the gift certificate server 500 through the SMS (Short Message Service) after payment processing to the user It serves to display.

In addition, when the distribution POS terminal 200 receives a gift certificate ID from the mobile communication terminal 100, the distribution POS server 300 requests approval and payment operation for the gift certificate from the distribution POS server 300, and the distribution POS server 300. ) And receives the approval and payment processing result message, and outputs it to the user.

On the other hand, if the distribution POS server 300 receives the approval and operation request for the gift certificate from the distribution POS terminal 200 and transmits it to the gateway server 400, the corresponding gift certificate from the gateway server 400 When receiving the approval and operation result message for the role of notifying the distribution POS terminal 200.

In addition, the gift certificate server 500 includes a gift certificate information DB 501 and a usage / approval information DB 502. When the gift certificate server 500 receives the approval and operation request message for the gift certificate from the gateway server 400, the gift certificate server 500 receives the gift certificate information. It is determined whether the credit card is valid or whether the face value of the gift certificate is large enough or the balance is sufficient to be able to settle the payment amount with a single gift certificate. If the gift certificate is not valid or the payment amount cannot be settled, the gift certificate information DB 501 checks whether there is a payable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs, and if there is no payable gift certificate, it can be exchanged. It combines the balances of all gift certificates of the denominations and then handles the costs according to the priority of the target gift certificates.

In this case, the virtual gift certificate means that the total amount of all exchangeable gift certificates is issued by the gift certificate server 500 so that they can be used as if they were one gift certificate. That is, since gift certificates of all kinds of coupons available in a particular store are treated as exchangeable coupons in the corresponding store, the total amount of the gift certificates of all exchangeable kinds held by the user is added together and managed as a separate gift certificate in the gift certificate server 500. It is.

For a gift certificate after use, only the balance of the gift certificate can be stored separately for later use, and for a gift certificate whose balance is less than a certain amount, the balance can be subtracted and the balance can be added together to issue a separate virtual gift certificate. .

Thereafter, the gift certificate server 500 updates the gift certificate information DB 501 and the use / approval information DB 502 according to the use of the gift certificate and the payment process, and then uses the gift certificate server 500 as the mobile communication terminal 100. Inform the approval result via SMS (or MMS) method.

At this time, the gift certificate information DB (501) is stored and managed according to the type of the affiliate's ticket type for each user, the amount of the stored gift certificate is stored and managed by the integrated amount, such as a virtual account for each exchangeable gift certificate type, the use of each gift certificate Deduction amount information according to is stored and managed separately. That is, the combined amount of all exchangeable gift certificates is added together and managed like a separate virtual account, and the combined amount is the face value or balance of the virtual gift certificate.

In addition, the usage / approval information DB 502 stores and manages usage history information such as a gift certificate number, an amount of use, a date and time of use, an authorization number, an affiliated store, an approval method, and a cancellation approval number.

Then, the IC chip-based money type gift certificate service method according to an embodiment of the present invention using the device having the above configuration will be described with reference to FIGS. 2 and 3.

First, when a user requests to use a gift certificate after purchasing an item, the mobile communication terminal 100 transmits the CTN and the gift certificate ID of the user to the distribution POS terminal 200 as shown in FIG. 3 (S11).

Then, the distribution POS terminal 200 transmits the payment amount, the CTN of the user and the gift certificate ID to the gateway server 400 through the distribution POS server 300, as shown in FIG. 3 to approve the gift certificate. Request (S12).

Meanwhile, as illustrated in FIG. 3, the gateway server 400 requests the gift certificate server 500 to approve the gift certificate of the corresponding kind, and the gift certificate server 500 determines whether the gift certificate is valid and the payment amount. Whether the payment can be confirmed is checked in the gift certificate information DB 501 (S13). In this case, the paymentable gift certificate means a gift certificate that can be settled by a single gift certificate larger than the amount requested for payment. That is, it means a gift certificate whose face value is greater than the amount requested for payment or the balance after use is greater than the amount requested for payment. If there are a large number of paymentable gift certificates, if the balance or face value is the same, it can be randomly selected. However, if there are a large number of payable gift certificates with different balance or face value, a gift certificate to be used by the user using the mobile communication terminal 100 is available. You can choose to use it, or you can use it in order of low balance or face value.

In this case, when the payment cannot be made with the gift certificate in the thirteenth step (S13) (NO), the gift certificate server 500 determines whether there is a gift card that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs. Check at 501 (S14). The gift certificate information DB 501 stores and manages gift certificate information for each user according to the type of affiliate of the affiliate, and the amount of the stored gift certificate is stored and managed as an integrated amount, such as a virtual account, and deduction amount information for each use of the gift certificate. Is stored and managed separately.

In the fourteenth step (S14), if there is no voucher that can be paid among other vouchers of the virtual voucher to which the voucher belongs (NO), the voucher server 500 prioritizes the target voucher after adding up the balances of all held vouchers of the exchangeable vouchers. Process the cost according to the ranking (S15). In this case, the gift certificate server 500 stores the balance in the gift certificate information DB 501 for future use of the voucher for which the cost has been processed, and subtracts the remaining balance for the gift certificate whose balance is less than a certain amount and deducts the balance. Can be added to create a separate virtual gift certificate.

Thereafter, the gift certificate server 500 updates the information on the gift certificate information DB 501 and the use / approval information DB 502 according to the use of the gift certificate and the payment process, and then the mobile communication terminal as shown in FIG. 3. Notify the use and approval result through SMS (or MMS) to 100 (S16). In this case, the information stored and managed in the use / approval information DB 502 includes usage history information such as a gift certificate number, a use amount, a use date, an approval number, an affiliated store, an approval method, and a cancellation approval number used by the user.

On the other hand, if the payment can be made with the gift certificate in the thirteenth step (S13) (YES), the gift certificate server 500 proceeds to the sixteenth step (S16) after performing the payment and approval process with the payable gift certificate. (S17).

In addition, if there is a gift certificate that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs (YES) in the fourteenth step (S14), the gift certificate server 500 performs payment and approval processing with the paymentable gift certificate. The process proceeds to the sixteenth step S16 (S18).

On the other hand, in the following description will be described with reference to Figure 4 for the process of the gift card server 500 in the IC chip-based money type gift certificate service method according to an embodiment of the present invention, overlapping with the above description The contents will be omitted.

First, when a request for the use of a corresponding gift certificate according to a user's purchase of a product proceeds through the distribution POS terminal 200, the distribution POS server 300, and the gateway server 400, the gift certificate server 500 may receive the gift certificate of the user. After receiving the use request, it is checked in the gift certificate information DB 501 whether the gift certificate is valid and whether the payment amount can be paid (S21).

In this case, if it is impossible to pay with the gift certificate in the twenty-first step (S21) (NO), the gift certificate server 500 determines whether there is a gift certificate that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs. Check 501) (S22).

In the twenty-second step (S22), if there is no voucher that can be paid among other vouchers of the virtual voucher to which the voucher belongs (NO), the voucher server 500 of all vouchers belonging to the virtual voucher, that is, all exchangeable vouchers held by the user After the balance is combined, the expenses are processed according to the priority of the target gift certificate (S23).

Thereafter, the gift certificate server 500 updates the gift certificate information DB 501 and the use / approval information DB 502 according to the use of the gift certificate and the payment process, and then uses the gift certificate server 500 as the mobile communication terminal 100. Notify the approval result via SMS (S24).

On the other hand, if it is possible to pay with the gift certificate in the twenty-first step (S21) (YES), the gift certificate server 500 proceeds to the twenty-fourth step (S24) after performing the payment and approval process with the payable gift certificate. (S25).

In addition, if there is a gift certificate that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs (YES) in the twenty-second step (S22), the gift certificate server 500 processes payment and approval with a gift certificate corresponding to the exchangeable gift certificate type. After the operation proceeds to the twenty-fourth step (S24) (S26).

On the other hand, in the following description will be described with reference to Figure 5 for the process of canceling the approval in the IC chip-based money type gift certificate service method according to an embodiment of the present invention, the description overlapping with the above description will be omitted do.

First, when the approval cancellation request for the gift certificate is requested by the user, the distribution POS terminal 200 requests the gateway server 400 to cancel the approval of the gift certificate of the user through the distribution POS server 300. (S31).

Then, the gateway server 400 requests the gift voucher server 500 to cancel the approval of the voucher of the user, and the gift voucher server 500 is the target voucher for the virtual voucher that was used at the time by the corresponding approval number. The status of these items is restored through the information update of the gift certificate information DB 501 and the use / approval information DB 502 (S32).

Thereafter, the gift certificate server 500 stores the cancellation approval number of the gift certificate in the use / approval information DB 502, and notifies the mobile communication terminal 100 of the cancellation approval result through SMS (S33). ).

Meanwhile, in the IC chip-based money type gift certificate service method according to an embodiment of the present invention, an approval cancellation process in the position of the gift certificate server 500 will be described with reference to FIG. Duplicate content will be omitted.

First, when a request for canceling the approval of a corresponding gift certificate by a user proceeds through the distribution POS terminal 200, the distribution POS server 300, and the gateway server 400, the gift certificate server 500 is determined by the corresponding authorization number at that time. The statuses of the target gift certificates for the virtual gift certificate that have been used are restored to original state through information update of the gift certificate information DB 501 and the use / approval information DB 502 (S41).

Thereafter, the gift certificate server 500 stores the cancellation approval number of the gift certificate in the use / approval information DB 502, and informs the mobile communication terminal 500 of the cancellation approval result through SMS (S42). ).

Meanwhile, in the following description, a process in which payment processing is performed by a virtual gift certificate in an IC chip-based money type gift certificate service method according to an embodiment of the present invention will be described with reference to FIG. Will be omitted.

First, when the gateway server transmits the payment amount, the CTN of the user and the ID of the virtual gift certificate, and requests the approval of the virtual gift certificate, the gift certificate server pays a single gift certificate for all the gift certificates included in the virtual gift certificate. It is determined whether the payment is possible (S51).

At this time, when there is a valid and payable gift certificate among all the gift certificates included in the virtual gift certificate, payment is made using the corresponding gift certificate. When there are a plurality of valid and payable gift certificates, payment is made according to priority. If there is no payable gift certificate, the balance of all the gift certificates included in the virtual gift certificate is combined and the costs are processed according to the priority of the target gift certificate (S52).

The voucher server updates the voucher information DB and the use / approval information DB according to the voucher use and payment processing, and informs the mobile communication terminal of the use and approval result (S52).

Although the present invention has been described in more detail with reference to several embodiments, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention.

As described above, according to the IC chip-based value-type gift certificate service method according to the present invention, in providing a mobile gift certificate service, the value-type gift certificate service such as a virtual account is used not only for each kind of paper gift voucher when payment of the user's gift certificate. By providing a convenient, convenient management of gift certificates along with the convenience of payment of the gift certificates, thereby increasing the users' satisfaction with the gift voucher payment service and improving the efficiency of the gift certificate management, thereby increasing the competitiveness with other companies. Giving is an excellent effect.

Claims (24)

In the IC chip-based value-type gift certificate service method consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / authorization information DB, An eleventh step of transmitting, by the mobile communication terminal, the CTN and the gift certificate ID of the user to the distribution point of sale (POS) terminal when the user requests to use a gift certificate after purchasing an item; A twelfth step of the distribution POS terminal requesting approval of the gift certificate by transmitting a payment amount, a CTN of the user, and a gift certificate ID to the gateway server through the distribution POS server; When the gateway server sends the payment amount, the CTN of the user and the gift certificate ID to the gift certificate server, and requests the approval of the gift certificate, the gift certificate server determines whether the gift certificate is valid and whether the payment amount can be paid. A thirteenth step of checking whether through the gift certificate information DB; If it is impossible to pay with the gift certificate in the thirteenth step, the gift certificate server checks in the gift certificate information DB whether there is a payable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs; In the step 14, if there is no voucher available for payment among other vouchers of the virtual voucher to which the voucher belongs, the voucher server combines the balances of all vouchers included in the virtual voucher and processes the cost according to the priority of the target voucher. Step 15; And IC chip, characterized in that the gift certificate server comprises a sixteenth step of informing the use and approval result to the mobile communication terminal after updating the information of the gift certificate information DB and the use / approval information DB according to the gift certificate use and payment processing Based Money Voucher Service Method. The method of claim 1, In the gift certificate information DB, the gift certificate information for each user is stored and managed according to the type of affiliate of the affiliated company, the amount of the stored gift certificate is stored and managed as an integrated amount such as a virtual account, and the deduction amount information according to the use of each gift certificate is stored and managed separately. IC chip based money voucher service method characterized in that the. The method of claim 1, IC chip-based money type gift certificate, characterized in that the user history information such as the gift certificate number, use amount, date and time, approval number, merchant, approval method and approval number, etc. used by the user is stored and managed Service method. The method of claim 1, If the payment can be made with the gift certificate in the thirteenth step, the IC chip base further comprises a seventeenth step of proceeding to the sixteenth step after the gift certificate server performs payment and approval processing on the corresponding gift certificate. Amount Voucher Service Method The method of claim 1, In step 14, if there is a paymentable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs, the 18th step of proceeding to the 16th step after the gift certificate server performs payment and approval processing with the payable gift certificate. IC chip based money voucher service method characterized in that it is further included. The method of claim 1, In the sixteenth step, the method of notifying the use and approval result of the gift certificate server to the mobile communication terminal, the IC chip-based money type gift certificate service method, characterized in that using the SMS (Short Message Service) transmission method. In the IC chip-based value-type gift certificate service method consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / authorization information DB, If the request for using the gift certificate according to the purchase of the user proceeds through the distribution POS terminal, the distribution POS server and the gateway server, whether the gift certificate server is valid and whether the payment amount can be paid A twenty-first step of confirming through the gift certificate information DB; A twenty-second step of checking, in the twenty-first step, whether the gift certificate server checks whether there is a gift certificate that can be paid among other gift certificates of the virtual gift certificate to which the gift certificate belongs; In the step 22, if there is no payable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs, the gift voucher server combines the balances of all the gift certificates included in the virtual gift certificate and processes the cost according to the priority of the target gift certificate. Step 23; And An IC chip comprising the twenty-fourth step of updating, by the gift certificate server, information of the gift certificate information DB and the use / approval information DB according to the use and payment processing of the gift certificate and notifying the mobile communication terminal of the use and approval result Based Money Voucher Service Method. The method of claim 7, wherein In the gift certificate information DB, the gift certificate information for each user is stored and managed according to the type of affiliate of the affiliated company, the amount of the stored gift certificate is stored and managed as an integrated amount such as a virtual account, and the deduction amount information according to the use of each gift certificate is stored and managed separately. IC chip based money voucher service method characterized in that the. The method of claim 7, wherein IC chip-based money type gift certificate, characterized in that the user history information such as the gift certificate number, use amount, date and time, approval number, merchant, approval method and approval number, etc. used by the user is stored and managed Service method. The method of claim 7, wherein If the payment can be made with the gift certificate in the twenty-first step, the IC chip base further comprises a twenty-five step of proceeding to the twenty-fourth step after the gift certificate server performs payment and approval processing on the corresponding gift certificate. Amount Voucher Service Method The method of claim 7, wherein In the twenty-second step, if there is a paymentable gift certificate among other gift certificates of the virtual gift certificate to which the gift certificate belongs, the twenty-sixth step of proceeding to the twenty-fourth step after the gift certificate server performs payment and approval processing with the paymentable gift certificate; IC chip based money voucher service method characterized in that it is further included. The method of claim 7, wherein In the twenty-fourth step, the method of notifying the use and approval result of the gift certificate server to the mobile communication terminal, the IC chip-based money type gift certificate service method, characterized in that using the SMS (Short Message Service) transmission method. In the IC chip-based value-type gift certificate service method consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / authorization information DB, A thirty-first step of requesting, by the distribution POS terminal, to cancel the approval of the gift certificate of the user through the distribution POS server when the approval cancellation of the gift certificate is requested by the user; When the gateway server requests the gift voucher server to cancel the authorization of the voucher of the user, the voucher server displays the status of the target vouchers for the virtual voucher that was used and processed at the time by the authorization number. A thirty-second step of restoring the original information by updating information of the approval information DB; And IC chip-based value type gift certificate service, characterized in that the voucher server stores the cancellation approval number of the gift voucher in the use / approval information DB, and informs the mobile communication terminal of the cancellation approval result. Way. The method of claim 13, In the gift certificate information DB, the gift certificate information for each user is stored and managed according to the type of affiliate of the affiliated company, the amount of the stored gift certificate is stored and managed as an integrated amount such as a virtual account, and the deduction amount information according to the use of each gift certificate is stored and managed separately. IC chip based money voucher service method characterized in that the. The method of claim 13, IC chip-based money type gift certificate, characterized in that the user history information such as the gift certificate number, use amount, date and time, approval number, merchant, approval method and approval number, etc. used by the user is stored and managed Service method. The method of claim 13, The method of claim 33, wherein the gift voucher server notifies the mobile communication terminal of the cancellation approval result, using a short message service (SMS) transmission method. In the IC chip-based value-type gift certificate service method consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / authorization information DB, When the request for canceling the approval of the gift certificate by the user proceeds through the distribution POS terminal, the distribution POS server, and the gateway server, the gift certificate server indicates the status of the target gift certificates for the virtual gift certificate that was used at the time by the approval number. A forty-first step of restoring information by updating the information DB and the use / approval information DB; And IC chip-based money type gift certificate service, characterized in that the voucher server stores the cancellation approval number of the gift voucher in the use / approval information DB, and informs the mobile communication terminal of the cancellation approval result. Way. The method of claim 17, In the gift certificate information DB, the gift certificate information for each user is stored and managed according to the type of affiliate of the affiliated company, the amount of the stored gift certificate is stored and managed as an integrated amount such as a virtual account, and the deduction amount information according to the use of each gift certificate is stored and managed separately. IC chip based money voucher service method characterized in that the. The method of claim 17, IC chip-based money type gift certificate, characterized in that the user history information such as the gift certificate number, use amount, date and time, approval number, merchant, approval method and approval number, etc. used by the user is stored and managed Service method. The method of claim 17, The method of claim 42, wherein the gift card server notifies the mobile communication terminal of the cancellation approval result, using a short message service (SMS) transmission method. In the IC chip-based value-type gift certificate service method consisting of a mobile communication terminal, a distribution POS terminal, a distribution POS server, a gateway server, a gift certificate information DB and a gift certificate server with a use / authorization information DB, When the gateway server sends the payment amount, the CTN of the user and the ID of the virtual gift certificate to request approval of the virtual gift certificate, the gift certificate server pays the payment amount as a single gift certificate for all the gift certificates included in the virtual gift certificate. A 51 st step of determining whether it is possible; In step 51, if a valid and payable gift certificate exists, payment is made according to priority. If there is no payable gift certificate, the balance of all the gift certificates included in the virtual gift certificate is combined and the costs are processed according to the priority of the target gift certificate. A 52nd step; And IC chip, characterized in that the voucher server comprises a 52-step updating the information of the gift certificate information DB and the use / approval information DB in accordance with the use and payment processing of the gift certificate and informs the mobile communication terminal of the use and approval result Based Money Voucher Service Method. The method of claim 21, In the gift certificate information DB, the gift certificate information for each user is stored and managed according to the type of affiliate of the affiliated company, the amount of the stored gift certificate is stored and managed as an integrated amount such as a virtual account, and the deduction amount information for each use of the gift certificate is stored and managed separately. IC chip based money voucher service method characterized in that the. The method of claim 21, IC chip-based money type gift certificate, characterized in that the user history information such as the gift certificate number, use amount, date and time, approval number, merchant, approval method and approval number, etc. used by the user is stored and managed Service method. The method of claim 21, In step 52, the method of notifying the use and approval result of the gift certificate server to the mobile communication terminal, the IC chip-based money type gift certificate service method, characterized in that using the SMS (Short Message Service) transmission method.

Images