KR101245272B1 - Mobile coupon real time certificaton and payment method using mobile terminal such as smart phones and apparatus for the method - Google Patents

Abstract

The present invention provides a system and method that enables a mobile coupon issuer to confirm the use of the mobile coupon in real time in a mobile coupon transaction that can be used on / offline. More specifically, the present invention includes the steps of: a) downloading the coupon authentication program in the memory of the mobile terminal; b) transmitting the identification number of the mobile terminal to the coupon authentication system and receiving the previously purchased mobile coupon and storing at least one in an internal storage space or a memory of the coupon authentication program; c-1) the user delivers his or her identification code to the mobile coupon merchant, the mobile coupon merchant delivers the authentication code received from the mobile coupon issuer to the user, the user enters the authentication code into the coupon authentication program ; Or c-2) the user directly receiving the authentication code by contact / contactless or a separate communication method; d) in the coupon authentication program, transmitting the received authentication information to the coupon authentication system; And e) in the coupon authentication system, authenticating the user and the mobile coupon, notifying the merchant of approval, and changing the state value of the used mobile coupon.

Description

Mobile coupon real-time authentication payment method and device using a mobile terminal such as a smartphone {MOBILE COUPON REAL TIME CERTIFICATON AND PAYMENT METHOD USING MOBILE TERMINAL SUCH AS SMART PHONES AND APPARATUS FOR THE METHOD}

The present invention relates to payment and discount services for mobile coupons generated on / offline, and more particularly, to a mobile coupon real-time authentication payment method and apparatus using a mobile terminal such as a smartphone. More specifically, the present invention relates to a mobile coupon real-time authentication payment method and apparatus for identifying a mobile coupon and a user stored in a mobile terminal such as a smart phone, authenticating the mobile coupon in real time, and delivering the use to a mobile coupon issuer. will be.

As IT services develop, the electronic payment business, which is the foundation business, is also growing along with it. In the case of mobile vouchers, a kind of electronic payment, the use of the gift voucher has been extended beyond the voucher area by eliminating the inconvenience of issuance, distribution, and management, which is a problem of the existing paper vouchers. In the present specification, a mobile coupon refers to a payment means that can be exchanged with goods / services on-offline in which real values are stored electronically, such as mobile vouchers, mobile tickets, and mobile coupons.

As a method of using the mobile coupon, the user receives an authentication number or a barcode for a pre-purchased gift certificate by a short message service (SMS), a multimedia message service (MMS), or an e-mail (Email), and presents it to the gift certificate merchant. Method is generally used.

However, the use of the mobile coupon according to the prior art has the following problems.

First, when the user wants to use a mobile coupon, the procedure is complicated and there is a problem that additional equipment and systems are needed. More specifically, for example, a barcode reader is essential for paying a mobile coupon delivered by a barcode, and a system capable of authenticating the authentication number and inputting the authentication number in real time is required in the method of inputting the authentication number. There was this.

In addition, small merchants that are difficult to equip the bar code or authentication number activation system has been directly present a mobile coupon number and the merchant has been using a method to manage the use of mobile coupons by hand. However, when managing the use of the mobile coupon by hand through the manpower as described above, there is a problem of duplicate use due to the malicious intention of the user due to the absence of the management plan for the previously used mobile coupon.

In addition, since the conventional mobile coupon is not real, there is a problem that the mobile coupon issuer cannot count the exact amount of the mobile coupon. More specifically, for example, the existing paper vouchers were delivered to the gift voucher issued by the merchant, and the voucher is settled to the voucher merchant in accordance with the number of the voucher returned. However, in the case of a mobile coupon, there is a problem in that the mobile coupon issuer cannot count the amount of usage because a real thing does not exist, and thus the gift voucher cannot accurately calculate the settlement amount to be paid to the merchant.

In addition, the conventional mobile coupon has a problem that the authentication number or bar code is transmitted in the form of SMS, MMS or Email, which is vulnerable to theft and hacking accident. More specifically, for example, not only the risk of professional hacking, but also malicious use by the simple mobile terminal lost or message (SMS, MMS) delivery.

The present invention has been made to solve the above-mentioned problems of the prior art, to provide a system that can simplify the procedure and equipment, and greatly reduce the cost and resources when using the mobile coupon in the online / offline merchants do.

In addition, the present invention is to provide a system that can easily check the use of the mobile coupon by authenticating the mobile coupon in real time, and delivering the authentication details to the mobile coupon issuer.

In addition, the present invention is to provide a system that can authenticate the mobile coupon by interacting with the affiliated store, the mobile coupon is not delivered in the form of a short message, thereby fundamentally blocking malicious use due to theft or leakage.

In addition, the present invention is to provide a system that can easily manage the mobile coupon publishers, mobile coupons different in the issuance method or use method for each mobile coupon issuer through one unified route.

In addition, the present invention by providing a system that can move the mobile coupon between the mobile terminal, it is possible to conveniently provide a mobile coupon to another mobile terminal of another person or the user.

MEANS TO SOLVE THE PROBLEM The present inventors completed this invention as follows as a result of earnestly examining in order to achieve the said objective and to solve the problem of the prior art mentioned above.

That is, the mobile coupon real-time authentication payment method according to the first aspect of the present invention, a) downloading the coupon authentication program to the memory of the mobile terminal; b) transmitting the identification number of the mobile terminal to the coupon authentication system and receiving the previously purchased mobile coupon and storing at least one in an internal storage space or a memory of the coupon authentication program; c-1) the user delivers his or her identification code to the mobile coupon merchant, the mobile coupon merchant delivers the authentication code received from the mobile coupon issuer to the user, the user enters the authentication code into the coupon authentication program ; d) in the coupon authentication program, transmitting the received authentication information to the coupon authentication system; And e) in the coupon authentication system, authenticating the user and the mobile coupon, notifying the merchant of approval, and changing the state value of the used mobile coupon.

Mobile coupon real-time authentication payment method according to a second aspect of the present invention, a) downloading the coupon authentication program to the memory of the mobile terminal; b) transmitting the identification number of the mobile terminal to the coupon authentication system and receiving the previously purchased mobile coupon and storing at least one in the internal storage space or memory of the coupon authentication program; c-2) the user directly receiving the authentication code by contact / contactless or a separate communication method; d) in the coupon authentication program, transmitting the received authentication information to the coupon authentication system; And e) in the coupon authentication system, authenticating the user and the mobile coupon, notifying the merchant of approval, and changing the state value of the used mobile coupon.

According to a third aspect of the present invention, there is provided a mobile coupon providing method comprising: i) selectively displaying a usable mobile coupon possessed by a user through a mobile terminal; ii) the user selecting at least one mobile coupon and directly inputting an identification number of another mobile terminal or selecting at least one from an address book; And iii) when the user selects transmission of the mobile coupon, transmitting the mobile coupon to the other mobile terminal, and changing the state value of the mobile coupon at the user's mobile terminal.

In addition, the mobile terminal of the mobile coupon real-time authentication system according to the present invention, the download unit for downloading and installing the coupon authentication program; A memory unit for storing the downloaded coupon authentication program and securing and managing a space for storing a mobile coupon in an internal storage space or a memory of the coupon authentication program; Security unit for combining or processing and encrypting the mobile coupon and transaction information; A communication unit capable of transmitting / receiving authentication information with a server of a coupon authentication system using a web or a communication network, and transmitting / receiving transaction information of an affiliated store through a contact / contactless method or a separate communication method; A control unit which controls the memory unit, the security unit, and the communication unit, classifies and processes the information received from the user and the coupon authentication system; And a display unit for displaying the contents received from the control unit on the screen that can be recognized by the user.

In addition, the authentication server of the mobile coupon real-time authentication system according to the present invention, the database unit for storing the user information and the data of the mobile coupon real-time authentication system; A communication unit for receiving an authentication request of a specific coupon authentication program and transmitting it to a mobile terminal of a mobile coupon real-time authentication system or receiving information from the mobile terminal; A security unit for encrypting / decrypting user information stored in the database unit and information transmitted / received by a coupon authentication program; An authentication unit for verifying the validity of the mobile coupon based on the authentication code received from the mobile terminal; And a controller for classifying and storing information based on the contents received from the mobile terminal, and controlling the communication unit, the database unit, and the authentication unit.

In addition, the mobile coupon real-time authentication system according to the invention is characterized in that it comprises the mobile terminal and the authentication server.

According to the present invention, when a mobile coupon merchant wants to receive a payment or discount service using a mobile coupon, the required manpower, costs, resources, etc. can be greatly reduced through a simplified procedure and a consistent method.

More specifically, from the standpoint of the mobile coupon issuer, according to the prior art, it is not possible to count the real-time use of each mobile coupon without a dedicated device (for example, a barcode reader or a dedicated POS). Although there was a problem with settlement and use management with the affiliate store, according to the present invention, even in the case of a small affiliate store without dedicated equipment, the mobile coupon issuer uses the coupon in real time by transmitting information through the mobile terminal possessed by the user. You can check whether or not.

On the other hand, from the perspective of the mobile coupon merchant, conventionally, the introduction of a dedicated equipment or a new service training according to the different authentication method for each existing mobile coupon issuer, but according to the present invention, because the user uses a mobile terminal possessed by the user The merchant does not need to do any additional work.

In addition, from the standpoint of the mobile coupon merchant, since the mobile coupon that has been authenticated and used is automatically discarded, there is no possibility of losing the user's malicious use such as double payment.

On the other hand, from the user's point of view, it is possible to unify different authentication schemes for each mobile coupon issuer in the related art and manage in one mobile coupon authentication program, thereby greatly improving convenience.

In addition, from the user's point of view, the mobile coupon is delivered in the form of a conventional message (SMS, MMS) or e-mail (Email), and presented to the merchant to use it in the form of hacking, theft and leakage, According to the present invention, by storing the mobile coupon in a mobile terminal in an electronic form, and authenticating in real time, mobile coupon outflow is fundamentally impossible.

In addition, according to the present invention, it is easy to present a mobile coupon between individuals or to receive it from another mobile terminal possessed by the person. More specifically, since the mobile coupon is transmitted through the input of the mobile terminal identification number and the status value is changed for the mobile coupon that has been transmitted, it is possible to clarify whether the mobile coupon is possessed and used, and the gift between individuals safely. This is possible.

1 is a mobile coupon real-time authentication system using a mobile terminal according to an embodiment of the present invention.
2 is a message flow chart illustrating a mobile coupon real-time authentication payment method using a mobile terminal according to a first embodiment of the present invention.
3 is a message flow chart illustrating a mobile coupon real-time authentication payment method using a mobile terminal according to a second embodiment of the present invention.
4 is a message flow chart illustrating a mobile coupon providing method using a mobile terminal according to a third embodiment of the present invention.
5 to 8 are actual display examples for explaining a mobile coupon real-time authentication payment method using a mobile terminal according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, but the present invention is not limited or limited to these embodiments.

On the other hand, in describing the present invention, when it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. The terminologies used herein are terms used to properly represent preferred embodiments of the present invention, which may vary depending on the user, the intent of the operator, or the practice of the field to which the present invention belongs. Therefore, the definition of the terms should be made based on the contents throughout the specification.

First, the technical idea of the present invention will be briefly described and described using a mobile terminal (for example, a smartphone, a mobile phone, a PDA, a Wibro terminal, an ultra mobile PC (UMPC), a portable memory (USB), etc.). As a personalized electronic mobile coupon management solution, install a coupon authentication program in the memory of the mobile terminal, and can store / manage the mobile coupon-related information in the coupon authentication program, and receives the mobile coupon authentication number from the mobile coupon merchant Through the personal mobile terminal of the individual, a new technical idea that enables real-time authentication of the mobile coupon.

1 is a mobile coupon real-time authentication system using a mobile terminal according to an embodiment of the present invention.

Mobile coupon real-time authentication system is configured to include a mobile terminal 200, coupon authentication program 210, coupon authentication system 300, coupon issuing server 310, authentication server 320, and the receiving terminal 500. .

The mobile terminal 200 requests an authentication request to the coupon authentication system 300 to verify the validity of the mobile coupon stored in the memory unit 212 of the coupon authentication program 210, and receives the authentication result of the mobile coupon. .

The coupon authentication program 210 provides the stored mobile coupon information to the mobile terminal 200 and manages the use of the mobile coupon, whether the period of use, whether or not gifts.

The coupon authentication program 210 includes a download unit 211, a memory unit 212, a security unit 213, a communication unit 214, a control unit 215, and a display unit 216.

Coupon authentication system 300 processes the mobile coupon authentication request received from the mobile terminal 200, coupon issuing server 310 for issuing a mobile coupon and the authentication server 320 for processing the authentication for the mobile coupon in real time It is configured to include).

The coupon issuing server 310 may be a mobile coupon issuer that actually issues a mobile coupon, or may be another service entity implementing and servicing the present invention.

The authentication server 320 transmits / receives information with a database (DB) unit 321, a mobile terminal 200, and a coupon issuing server 310, which store and manage authentication numbers and user information mapped to mobile coupons related to authentication. Receiving communication unit 322, the security unit for preventing hacking or leakage by malicious users and processing and changing the information 323, the authentication unit 324 to verify the validity of the mobile coupon in real time based on the information stored in the DB And a control unit 325 for controlling the database unit 321, the communication unit 322, the security unit 323, and the authentication unit 324.

The receiving terminal 500 is a terminal that receives the mobile coupon when the mobile coupon is provided (gifted) to another person or another user's mobile terminal. The receiving terminal 500 is configured to include a coupon authentication program (210).

The operating state of the present invention configured as described above will be described.

[First Embodiment]

2 is a message flow chart illustrating a mobile coupon real-time authentication payment method using a mobile terminal according to a first embodiment of the present invention.

The user 100 transmits the identification number of the mobile terminal 200 possessed by the user to the coupon authentication system 300 for the completed mobile coupon (S201), and transmits the mobile coupon to the mobile terminal 200. Received (S202), coupon authentication program 210 stores the received mobile coupon in the memory unit 212 (S203).

Looking at the holding coupon list 500 of Figure 5, available mobile coupon 501, mobile coupon 502 has passed the expiration date, mobile coupon 503 is completed, the mobile coupon 504 to which the gift is sent Included, the status value of the mobile coupon and the merchant, the expiration date, the mobile coupon issuer is displayed.

In FIG. 2, the coupon authentication system 300 delivers mobile coupon information issued to the affiliate store 400 (S204). The mobile coupon information includes a user identification number and an authentication number, and can be flexibly changed according to the affiliated store's infrastructure to configure a service. More specifically, for example, if a system is built that can receive a real-time authentication number from the merchant (POS, PC, etc. connected to the communication network in real time), the real-time authentication number can be received and delivered to the user (S206 ), The small merchant that the system is not built can receive and retain data recorded in advance on paper or electronically stored files. The small merchant finds the authentication number by hand and delivers the authentication number to the user (S206).

The user 100 transmits the user's identification code to the affiliated store 400 that can use the mobile coupon (S205). The affiliated store 400 transmits the authentication number mapped to the user identification code to the user (S206), and the user 100 inputs the authentication number to the coupon authentication program 210 (S207). As described above, the authentication number may be transmitted in real time from the coupon authentication system 300 or may be transmitted before a transaction request.

The full authentication request message including the authentication number entered in the coupon authentication program 210 is transmitted to the coupon authentication system 300 (S208). The coupon authentication system 300 verifies the validity of the mobile coupon by using the authentication number included in the authentication request message as a key value and determines whether to be authenticated (S209).

The mobile coupon validated in the coupon authentication system 300 transmits an authentication result to the coupon authentication program 210 requesting the authentication (S210), and the coupon authentication program analyzes the result value to state of the mobile coupon. To change (S211). The state of the mobile coupon may be divided into a state of use 501, expiration date 502, completion of use 503, gift delivery 504 of FIG.

The coupon authentication system 300 further includes transmitting an authentication result to the affiliated store 400 for the validated mobile coupon (S212). The authentication result transmission may transmit the authentication result to the affiliated store 400 as an electronic signal through an SMS or other web or a communication network, thereby allowing the affiliated store to recognize the authentication result.

The affiliated store 400 recognizing the authentication result may include providing a service, a goods, or a service to the user 100 according to the approval result (S213).

[Second Embodiment]

3 is a message flow chart illustrating a mobile coupon real-time authentication payment method using a mobile terminal according to a second embodiment of the present invention.

In the second embodiment of the present invention, the user 100 directly requests the authentication code in a contact / contactless or a separate communication method in the step of receiving the authentication number to the merchant 400 (S305), the direct communication method Receiving step (S306).

Steps S301 to S304 and S307 to S312 except for steps S305 and S306 correspond to steps S201 to S204 and S208 to S213 in the first embodiment, and a description thereof will be omitted.

[Third Embodiment]

4 is a message flow chart for explaining a gift to another user in the mobile coupon providing method using a mobile terminal according to a third embodiment of the present invention.

Referring to FIG. 8, by checking the gift button of the coupon authentication program 800, the mobile coupon list 810 possessed by the user 100 is checked, the detailed mobile coupon contents are checked (820), and other users to receive the gift. Enter the mobile terminal identification number of (821), and click the present button 822, it is possible to present. If the gift is successfully sent, the status value is changed and can no longer be used in the mobile terminal.

In FIG. 4, the user 100 transmits the identification number of the receiving terminal 500 possessed by another user to the coupon authentication program 210 (S401), and the purchase is completed in the mobile terminal 200 of the user 100. When selecting a coupon (S402) and requesting a mobile coupon gift by inputting the identification number of the receiving terminal 500 (S403), the validity of the mobile coupon is verified in the coupon authentication system 300 (S404). When the verification is completed with a valid mobile coupon, the mobile terminal is delivered to the receiving terminal 500 (S405), and the receiving terminal 500 transmits to the coupon authentication system 300 that the mobile coupon has been successfully received (S407). ). The coupon authentication system 300 transmits the reception result to the mobile terminal 200 of the user 100 who has sent the gift (S408), so as to change the state of the mobile coupon (S409).

For easier understanding of the present invention, the following describes a more specific usage scenario.

From the user's point of view, when a user possessing a mobile coupon is provided with a service at an affiliated store, the user presents a name and a coupon number to a checkout counter and the clerk records the coupon number used by hand. Using the present invention, the user presents a user identification code, the clerk delivers the authentication number mapped to the user and the user enters the authentication number into a mobile terminal such as a smartphone. When the authentication number is completed, the receipt is printed at the cash register and the use of the mobile coupon is automatically recorded.

On the other hand, if the merchant is a merchant that can communicate with the mobile terminal in a contact / contactless or separate communication method, the user can use the mobile coupon only by contacting the mobile terminal with a separate communication device. The authentication number is transmitted to the mobile terminal in a separate communication method, and authentication proceeds in the same manner as the above step.

In addition, affiliated stores do not need to settle separately from the issuer of mobile coupons, which greatly reduces manpower and resources for managing them. The use of mobile coupons is counted in real time and the result is sent to the merchant to block disputes about the use of mobile coupons.

In addition, the mobile coupon issuer can solve the problem of mobile coupon usage that occurred in the case of small merchants. More specifically, for example, the existing small affiliate stores count the usage of mobile coupons by hand, there was a difficulty in counting usage. Even if the usage is intentionally inflated, the mobile coupon issuer has a disadvantage in that the settlement should be made, but according to the present invention, since the usage of the mobile coupon is counted in real time, the above-mentioned dispute is blocked in advance.

In addition, like the existing mobile coupons do not deliver coupons in the form of SMS, MMS, Email, etc., thereby preventing malicious use such as theft and hacking. More specifically, for example, the existing mobile coupon is a malicious user stealing his SMS in public places, it was possible to leak only by SMS forwarding, according to the present invention, since the user must directly enter the authentication code Such spillages are inherently impossible.

In addition, the gift of the mobile coupon can be conveniently used, and the case of the gift is completed electronically, thereby blocking the dispute caused by use. More specifically, for example, when a user who forgets the fact about a mobile coupon presented to a friend raises a question about the use of the mobile coupon, it is possible to determine a clear use and responsibility.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains have various modifications and variations from such descriptions. It is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but includes not only the claims below, but also equivalents thereof.

100: user
200: mobile terminal
210: Coupon Certification Program
300: Coupon Certification System
310: Coupon issuing server (or mobile coupon issuer)
320: authentication server
400: mobile coupon merchant
500: receiving terminal (other mobile terminal that can receive a mobile coupon gift)
600: communication network

Claims (12)

a) downloading the coupon authentication program to the mobile terminal;
b) transmitting the identification number of the mobile terminal to the coupon authentication system and receiving the previously purchased mobile coupon and storing at least one in the memory of the coupon authentication program;
c) displaying, in the coupon authentication program, a coupon list including a status value of whether the mobile coupon is stored in the memory and whether the mobile coupon is expired;
d) transmitting, at the coupon authentication system, mobile coupon information including a personal identification code and an authentication code for the mobile coupon to a mobile coupon affiliated store;
e) a user delivers the identity code to the mobile coupon merchant, the mobile coupon merchant delivers the authentication code corresponding to the identity code in the mobile coupon information to the user, the user is the authentication code Inputting the coupon authentication program;
f) transmitting, at the coupon authentication program, authentication information including the authentication code received to the coupon authentication system; And
g) in the coupon authentication system, authenticating the validity of the mobile coupon based on the authentication information, and transmitting an authentication result to the coupon authentication program; And
h) in the coupon authentication program, the mobile coupon real-time authentication payment method comprising the step of changing the state value of the mobile coupon based on the authentication result. The method of claim 1, wherein step g)
g-1) in the coupon authentication system, transmitting a request for changing the authentication result and the status value of the mobile coupon to the coupon authentication program; And
g-2) in the coupon authentication system, transmitting the authentication result to the mobile coupon affiliated store through an electronic signal through SMS, web, or communication network, thereby allowing the mobile coupon affiliated store to recognize the authentication result. Mobile coupon real-time authentication payment method characterized in that. According to claim 1 or 2, In the coupon authentication system,
The identity code, the merchant code to identify the mobile coupon affiliate store, the mobile coupon identification code to identify the mobile coupon, and the authentication code that can authenticate the mobile coupon and mapped to the mobile coupon identification code Mobile coupon real-time authentication payment method, characterized in that for storing. 3. The method according to claim 1 or 2,
Mobile coupon real-time authentication payment method, characterized in that for authenticating the mobile coupon based on the mobile coupon identification code that can identify the mobile coupon and the authentication code mapped thereto. delete According to claim 1 or 2, In the coupon authentication program,
Selecting and displaying an available mobile coupon and an unusable mobile coupon among the mobile coupons stored in the memory; Displaying an input window for receiving the authentication code when the available mobile coupon is selected; Receiving the authentication code; Mobile coupon real-time authentication payment method, characterized in that for receiving the authentication result by transmitting the authentication information including the received authentication code to the coupon authentication system, and displays the authentication result. The method of claim 6, wherein in the coupon authentication program,
Among the mobile coupons stored in the memory, unused mobile coupons, pre-used mobile coupons, and the unused mobile coupons within the period of use is selected and displayed, the mobile characterized in that the display of the specified period of each mobile coupon Coupon real-time authentication payment method. The method of claim 6, wherein in the coupon authentication program,
The mobile coupon real-time authentication payment method characterized by displaying the authentication success or authentication failure, and in case of authentication failure, the reason and solution for the authentication failure, and providing a customer center telephone number. a) downloading the coupon authentication program to the mobile terminal;
b) transmitting the identification number of the mobile terminal to the coupon authentication system and receiving the previously purchased mobile coupon and storing at least one in the memory of the coupon authentication program;
c) displaying, in the coupon authentication program, a coupon list including a status value of whether the mobile coupon is stored in the memory and whether the mobile coupon is expired;
d) transmitting, at the coupon authentication system, mobile coupon information including a personal identification code and an authentication code for the mobile coupon to a mobile coupon affiliated store;
e) a user directly receiving the authentication code by a contact / contactless or separate communication method at a mobile coupon affiliated store;
f) transmitting, at the coupon authentication program, authentication information including the received authentication code to the coupon authentication system; And
g) in the coupon authentication system, authenticating the validity of the mobile coupon based on the authentication information, and transmitting an authentication result to the coupon authentication program; And
h) in the coupon authentication program, the mobile coupon real-time authentication payment method comprising the step of changing the state value of the mobile coupon based on the authentication result. Download unit for downloading and installing the coupon authentication program;
A memory unit for storing the downloaded coupon authentication program and securing and managing a space for storing a mobile coupon in a memory of the coupon authentication program;
Security unit for combining or processing and encrypting the mobile coupon and transaction information;
A communication unit capable of transmitting / receiving authentication information with a server of a coupon authentication system using a web or a communication network and transmitting / receiving transaction information of an affiliated store through a contact / contactless method or a separate communication method;
A control unit which controls the memory unit, the security unit, and the communication unit, classifies and processes the information received from the user and the coupon authentication system; And
Mobile coupon real-time authentication system including a display unit for displaying on the screen that the user can recognize the list of coupons, including the status value for the use and the expiration date of the mobile coupon based on the contents received from the control unit Mobile terminal. The coupon list according to claim 10, wherein
Among the mobile coupons stored in the memory, unused mobile coupons, pre-used mobile coupons, and the unused mobile coupons within the period of use is selected and displayed, the mobile characterized in that the display by specifying the period of use of each mobile coupon Mobile terminal of coupon real-time authentication system. delete

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