KR101754986B1 - Spot discount system using mobile device - Google Patents

Spot discount system using mobile device Download PDF

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Publication number
KR101754986B1
KR101754986B1 KR1020150147731A KR20150147731A KR101754986B1 KR 101754986 B1 KR101754986 B1 KR 101754986B1 KR 1020150147731 A KR1020150147731 A KR 1020150147731A KR 20150147731 A KR20150147731 A KR 20150147731A KR 101754986 B1 KR101754986 B1 KR 101754986B1
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KR
South Korea
Prior art keywords
customer
service server
discount
barcode
server
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Application number
KR1020150147731A
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Korean (ko)
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KR20170047518A (en
Inventor
홍석준
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주식회사 해우리
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Priority to KR1020150147731A priority Critical patent/KR101754986B1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • G06K19/06028—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

Abstract

The present invention relates to a system in which a customer obtains a discounted barcode for purchasing goods or services at a discounted price and presents a discounted barcode and a credit card together to obtain a discounted effect. The system includes a customer terminal (10) for carrying a customer, capable of data communication, and having a display capable of displaying a barcode to generate a discount barcode application signal; A service server 20 for receiving a discount barcode application signal from the customer terminal 10 to generate a discount barcode and transmitting the generated discount barcode to the customer terminal 10; A merchant terminal (30) which is installed at an affiliated shop and delivers a credit card information of the customer to the service server (20) when the customer makes a payment with a credit card together with the discount bar code, And a settlement agency server 40 that receives the card information and processes the settlement agent server 40 in the card issuer server CS.

Description

[0001] SPOT DISCOUNT SYSTEM USING MOBILE DEVICE [0002]

The present invention relates to a mobile on-site discount system, and more particularly, to a mobile on-site discount system in which a customer obtains a discount barcode for purchasing goods or services at a discounted price, presents a discount barcode and a credit card together, ≪ / RTI >

Generally, sellers use sales methods such as offering discount coupons for the purpose of promoting sales of products, securing more customers, increasing sales revenue, and promoting them. At this time, in the method of providing the discount coupon, when the seller requests production of a discount coupon in the form of print to the printer, and the printer prints the discount coupon and provides the coupon to the seller, the seller sends the discount coupon printed to the members It is common to send them out. However, this method expends the expense for printing and the expense for mailing, which adds to the economic burden on the seller. In addition, since the consumer has to carry the coupon as a printed product in order to discount the price of the product and present it to the seller, there is a mobile inconvenience such as loss of concern.

Recently, as technology has improved, discount coupons have been introduced to solve the above inconveniences and to save money by not using a separate printed matter. Typically, the sellers provide discount coupons to consumers through the Internet, A method of providing a discount coupon through a text message or a separate application to the mobile phone of the user.

Patent Document 1 discloses a payment system using such a conventional bar code, and FIG. 1 is a configuration diagram of a payment system using a conventional bar code.

A conventional payment system using a bar code includes a customer terminal 1 for inputting pre-registration information and card information together with a product discount or a service discount request; A PG terminal 2 for storing a discounted product or a discount service and pre-registration information requested by the customer terminal 1 into a customer DB and storing card information according to the customer DB temporarily; An operator server 3 for generating a pre-registration DB in accordance with the pre-registration information in cooperation with the customer DB of the PG terminal 2, generating an authentication bar code by encrypting the temporarily stored card information, and transmitting the authentication bar code to the customer terminal; An agent terminal (4) which scans the authentication bar code and transmits the scanned authentication bar code to the payment request PG terminal (2); And a card issuer payment server 5 for accepting the settlement request of the PG terminal 2 and accepting the settlement and transmitting the payment details to settle the settlement details.

However, in the conventional payment system using a bar code, since the customer's credit card information is stored in the bar code, if the customer terminal 1 is lost, the same problem as the loss of the credit card occurs. That is, a third party who acquires the customer terminal 1 can maliciously perform a credit card settlement using a barcode, thereby losing the customer terminal (recently, almost a smartphone) and the credit card at the same time . Especially, in the reality of Korea, where most people use smartphone and can not find a public phone, the loss of a customer terminal represented by a smart phone means that the customer does not have a means to request a credit card transaction suspension or report a lost credit card There is a problem that the problem of arbitrary settlement of the third party is neglected by frequently making the situation.

KR 10-1059767 B1 (Aug. 30, 2011)

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide a mobile on-site discount system in which a customer loses a customer terminal to which a discount bar code is input, will be.

The mobile on-site discount system according to the present invention includes a customer terminal for carrying a customer, capable of data communication, and having a display capable of displaying a barcode to generate a discount barcode application signal; A service server for receiving a discount barcode application signal from the customer terminal to generate a discount barcode and transmitting the generated discount barcode to the customer terminal; A merchant terminal which is installed in the merchant store and transmits a credit card information of the customer to the service server when the customer makes a payment with the credit card together with the discount bar code and a credit card information of the customer from the service server, And a payment agency server that processes the payment agent server.

The mobile on-site discount system according to the present invention minimizes the financial loss due to the loss of the customer terminal since there is no important information in the discount bar code issued to the customer terminal.

In addition, since the discount barcode is issued through the service server, it has the effect of expanding the sales network and the advertisement network in the case of the merchant.

In addition, customers can purchase merchandise and use services at a discounted price.

In addition, if a mobile phone number is used, a lost barcode can be used to easily locate a lost customer terminal.

1 is a block diagram of a payment system using a conventional bar code
2 is a block diagram of a mobile on-site discount system according to the present invention;
3 is an internal configuration diagram of a service server

Hereinafter, a mobile on-site discount system according to the present invention will be described in detail with reference to the drawings.

2 is a block diagram of a mobile on-site discount system according to the present invention. 2, a mobile on-site discount system according to the present invention includes a service server 20 for receiving a discount barcode application signal from a customer terminal 10 and a customer terminal 10 to generate a discount barcode and transmitting the discount barcode to the customer terminal 10 ), A merchant terminal (30) that transmits credit card information of the customer to the service server (20) and a service server (20) that are installed in the merchant and settle the credit card together with the discount barcode And a settlement agency server 40 for receiving and processing information from the customer terminal 10 and the service server 20 and processing the discount barcode application signal to the customer terminal 10 and the service server 20, ). ≪ / RTI >

The customer terminal 10 is a device having a display that can be carried by a customer, is capable of data communication, and can display a discount barcode. A typical example of the customer terminal 10 is a smart phone. The customer terminal 10 generates a discount barcode application signal according to a customer's input and transmits the discount barcode application signal to the service server 20. In a specific embodiment thereof, the customer uses the customer terminal 10 to call the service server 20 To transmit a discount barcode application signal to the service server 20 through a web site or a dedicated application, and the like. At this time, the information transmitted from the customer terminal 10 to the service server 20 is limited to the mobile phone number assigned to the customer terminal 10 as much as possible because the discount barcode of the customer terminal 10 is important Information is not included in order to reduce the risk of loss of the customer terminal 10 or the like. The reason why the mobile phone number is required is that a mobile phone number is required to transmit the discount barcode to the customer terminal 10. The information transmitted from the customer terminal 10 to the service server 20 may further include the name of the owner of the customer terminal 10. If the name is included, the process upon loss of the customer terminal 10 becomes easy.

The service server 20 is a server operated by a service provider of the mobile on-site discount system according to the present invention, and FIG. 3 is an internal configuration diagram of the service server. The service server 20 includes a communication module 21 for receiving a discount barcode application signal from the customer terminal 10 and transmitting the discount barcode to the customer terminal 10 and a communication module 21 for receiving a discount barcode application signal, And a generation module (22).

When the customer requests the discount barcode using the customer terminal 10, the service server 20 issues the discount barcode to the customer terminal 10 in the form of a text message or the like. Or in an image format that can be verified through a separate application.

The customer can present the discounted barcode to the merchant such as sightseeing spot, restaurant, playground, etc., so that the customer can purchase the product or use the service at the discounted price.

The generated discount barcode is one-to-one matched with the mobile phone number assigned to the customer terminal, and is stored in the service server 20.

The service server 20 also receives a barcode inquiry signal from the merchant terminal 30 to determine whether the discount barcode is issued by the service server 20. If the discount barcode is issued by the service server 20, And an authentication module 23 for generating a bar code non-confirmation signal and transmitting the bar code non-confirmation signal to the merchant terminal 30 if the service bar code is not issued by the service server 20. The merchant terminal 30 generates and transmits a discount payment approval request signal to the service server 20 only when the barcode confirmation signal is received. If the merchant terminal 30 receives the bar code non-confirmation signal, You may be required to present an appropriate discount barcode, or you may be required to pay the non-discounted amount.

When the discount barcode of the customer terminal 10 is issued by the service server 20, the franchisee terminal 30 is a terminal installed in a franchisee such as a sightseeing spot, a restaurant, a playground, And the payment information is transmitted to the card issuing server (CS) through the payment agent server (40). If the discount bar code of the customer terminal 10 is not issued by the service server 20, the franchise terminal 30 transmits the credit card information of the customer directly to the payment agency server 40, Make sure the payment is made.

The payment agency server 40 is a server operated by a company that performs a credit card settlement between a credit card company and a small company on behalf of a credit card company, and is commonly known as a payment gateway (PG). The settlement agency server 40 receives a settlement approval request signal from the service server 20, processes payment with the credit card company server CS, and returns the approval result to the service server 20. Thereafter, the service server 20 transmits the approval result to the merchant terminal 30, and permits the merchant to purchase the commodity or use the service according to the approval result.

Hereinafter, the structure of the mobile on-site discount system according to the present invention will be described. In the following, the operation of the on-site discount system according to the present invention will be described.

The sales method viewpoint of the mobile on-site discount system according to the present invention is a service which has a problem in which individual merchants do not contact each other individually, that is, a service that builds a broader sales network And the operator {the company that operates the service server 20} provides the discount barcode to the customer on behalf of the individual merchant so that the sales network of the individual merchant network or the advertisement network is substantially expanded. In this regard, in the present invention, the service server 20 performs settlement with the card issuing server (CS) through the settlement agency server 40 using the credit card information transmitted from the merchant terminal 30, and transmits a predetermined fee The amount deducted shall be settled at the merchant. Therefore, in the present invention, the payment subject is the service server 20 (that is, the transaction is processed by the service operator rather than the merchant). For example, suppose that a merchant originally sells a 100-won commodity at a merchant, the merchant provides the discounted bar code to the customer terminal 10 through the service server 20, And the service operator performs the payment through the service server 20, and then the service operator makes a settlement of 85 won, which is a deduction of the commission of 5 yen to the merchant. As a result, the franchisee can supplement the lack of sales network and publicity network, and the customer can purchase the product at a discounted price.

In this regard, the commission channel server 15, which is not described above, is a component for further expanding the sales network or the public relations network. The commission channel server 15 is provided between the customer terminal 10 and the service server 20 so that the discount barcode can be issued to the customer terminal 10 that the service server 20 can not directly contact, The service server 20 indirectly connects the service server 10 and the service server 20, that is, the service server 20. When the consignment channel server 15 transmits the discount barcode application and the mobile phone number to the service server 20 from the customer terminal 10, the service server 20 transmits a discount to the customer terminal 10 using the mobile phone number And thereafter, the same as when there is no commission channel server 15. Examples of the trust channel server 15 include a server such as a social network service, an open market, and other travel agencies.

The mobile on-site discount system according to the present invention minimizes the damage caused by loss of the customer terminal 10 by storing the mobile phone number, which is the minimum information for transmitting the barcode to the customer terminal 10, on the discounted barcode. This is because, even if the customer terminal 10 is lost in the mobile on-site discount system according to the present invention, the third party can not proceed with the barcode alone. The third party can perform settlement using his / her credit card, but such an operation is not economically damaging to the customer who has received the discount barcode, except for the loss of the customer terminal 10. The reason is that customers do not have to pay for discount bar codes at all.

 The mobile on-site discount system according to the present invention has the effect of locating the lost customer terminal 10 when the service server 20 delivers the mobile phone number to the payment agency server 40. [ For example, when a third party wants to make a payment with a credit card of a third party with the lost customer terminal 10, the service server 20 transmits the credit card information and the mobile phone number, The card issuer server CS transmits the mobile phone number stored in the card issuing server CS to the agency server 40 and the service server 20 It is possible to detect that the delivered mobile phone number does not match and notify it to the service server 20. That is, the service server 20 can know that the lost customer terminal 10 is located at the current location of the merchant terminal 30, The customer can contact the customer when he or she left the lost contact, etc.), the customer terminal 10 can be requested to collect the customer terminal 10.

Or when the customer who has lost the customer terminal 10 registers the mobile phone number of the lost customer terminal 10 in the service server 20 is notified of the lost customer terminal 10 regardless of the card company server CS You can find the location. For example, if the mobile phone number matching one-to-one with the discount barcode transmitted from the merchant terminal 30 is included in the lost customer terminal list, the service server 20 immediately notifies the lost customer of the customer terminal 10, The customer terminal 10 can request the collection of the customer terminal 10.

If the customer name is transmitted from the service server 20 to the payment agent server 40 in addition to the mobile phone number, the possibility of finding the lost customer terminal 10 is higher. This is because it is found that the name (the name registered by the third party) stored in the card issuance server CS does not match the name (matched with the discount bar code) transmitted from the service server 20, It can be seen that the terminal 10 is in possession. In this case, the service server 20 receives the customer name together with the mobile phone number in the discount barcode application step (① in FIG. 2), and the generated discount barcode is one-to-one matched with the mobile phone number and customer name assigned to the customer terminal And is stored in the service server 20.

10 Customer terminal 15 Consignment channel server
20 service server 21 communication module
22 Barcode generation module 23 Authentication module
30 Merchant terminal 40 Payment agency server

Claims (3)

A customer terminal (10) which can carry a customer and is capable of data communication and has a display capable of displaying a barcode to generate a discount barcode application signal;
The discount barcode is generated by receiving the discount barcode application signal from the customer terminal 10 and transmits the generated discount barcode to the customer terminal 10 and transmits the generated discount barcode to the customer terminal 10 A service server 20 for storing one-to-one matching with a mobile phone number;
An merchant terminal (30) which is installed at an affiliated shop and transmits a credit card information of the customer to the service server (20) when the customer makes a payment with a credit card together with the discount bar code
And a settlement agency server (40) for receiving, from the service server (20), the credit card information of the customer and the mobile phone number matched one by one to the discount bar code, As a system,
The information transmitted from the customer terminal 10 to the service server 20 is limited to the mobile phone number assigned to the customer terminal 10,
When the card company server (CS) finds that the mobile phone number stored in the card issuer server (CS) does not match the mobile phone number transmitted from the service server (20) in the course of the settlement, The service server 20 informs the customer who has lost the customer terminal 10 that the position of the franchise terminal 30 in which the payment is proceeding is the location of the lost customer terminal 10 Or request collection of the corresponding customer terminal (10) to an affiliated store where the affiliated store terminal (30) is installed.
The method according to claim 1,
The service server 20 receives a barcode inquiry signal from the merchant terminal 30 to determine whether the discount barcode is issued by the service server 20 and if the discount barcode is issued by the service server 20 A barcode identification signal is generated and transmitted to the merchant terminal 30 if it is not issued by the service server 20 and is transmitted to the merchant terminal 30 when the barcode identification signal is not issued by the service server 20,
When the merchant terminal 30 receives the bar code confirmation signal, the merchant terminal 30 transmits the customer's credit card information to the service server 20 so that settlement can be performed in the card issuer server CS through the payment agency server 40 And transmits the credit card information of the customer to the payment agent server (40) when the bar code non-confirmation signal is transmitted, so that the payment is made in the card company server (CS).
The method according to claim 1,
A consignment channel server 15 is further provided between the customer terminal 10 and the service server 20,
When the commissioning channel server 15 transmits a discount barcode application and a mobile phone number to the service server 20 from the customer terminal 10, the service server 20 transmits the discount barcode application and the mobile phone number to the service server 20, (10) to the mobile terminal (10).
KR1020150147731A 2015-10-23 2015-10-23 Spot discount system using mobile device KR101754986B1 (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210152339A (en) 2020-06-08 2021-12-15 최정우 Discount coupon sales agency system in electronic commerce and discount coupon sales agency method using same

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101059767B1 (en) * 2011-02-01 2011-08-30 주식회사 제주모바일 Payment system using mobile coupon and the managing method thereof

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101059767B1 (en) * 2011-02-01 2011-08-30 주식회사 제주모바일 Payment system using mobile coupon and the managing method thereof

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210152339A (en) 2020-06-08 2021-12-15 최정우 Discount coupon sales agency system in electronic commerce and discount coupon sales agency method using same

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