KR101933192B1 - Method and apparatus of paying electronic gift certificates offline - Google Patents

Abstract

The present invention relates to a method of electronic gift certificate payment comprising the steps of: transmitting an electronic gift certificate to a franchise terminal when a purchase amount of the electronic gift certificate is paid by the franchise terminal; receiving a use processing request of the transmitted electronic gift certificate; and depositing an amount of a first percentage of the paid amount into an account of a franchise providing services or commodities which can be purchased in the electronic gift certificate. The amount of a first percentage of the paid amount is deposited into the account of the franchise before the purchase amount of the electronic gift certificate is deposited into the account of a company issuing the electronic gift certificate from a payment company, so that the franchise can receive payment cost faster than receiving the payment cost from a credit card company.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001]

The present invention relates to an electronic gift voucher payment method and apparatus, and more particularly, to an electronic gift voucher payment method and apparatus capable of receiving a payment amount from an electronic gift certificate issuer before a merchant receives a payment amount from a credit card company.

A gift certificate is a certificate that can be exchanged for a commodity or service equivalent to the face value of a parcel, and it is one of bearer securities, which is the issuer of a department store or other store or gift certificate issuer. In addition to the gift certificates, there are mobile vouchers, online vouchers in the form of electronic money, vouchers for branch / on-line vouchers, and vouchers in the form of credit cards.

In the past, the issuance of gift certificates could have been subject to government approval, but now everyone can issue gift certificates if they like, and even a small supermarket in an apartment complex can issue vouchers. However, for economic reasons, it is difficult to issue gift certificates to small-sized shops. The advantages of issuing gift certificates are as follows.

First, as a pre-sale effect, the actual provision of goods / services due to the sale of gift certificates occurs within the validity period after payment of the gift certificate, so that there is a profit equivalent to the "time value of money" for that period . In addition, even if sales decline due to market encroachment or social scandal in the future, it is possible to distribute part of the management risk because the company realized profit in advance. Second, there are marketing effects such as inducing new sales and re-purchasing, and locking-in customers. Third, there is a loss of lost or lost gift voucher, or a fallout due to unused period of validity.
Related Prior Art Korean Patent Laid-Open Publication No. 10-2009-0002000 (2009.01.09.) Relates to a "gift certificate capable of real-time settlement". When the user uses the electronic gift certificate via the merchant terminal as a commodity price after receiving the gift certificate issued from the issuing company, the issuer server authenticates the gift certificate, and the amount of the gift certificate paid through the merchant terminal is displayed in real time To the account of the merchant's account.
Korean Patent Laid-Open No. 10-2003-0037156 (May 05, 2003) relates to a "electronic financial product service providing system". When a purchaser inputs purchase information into an electronic financial product service providing system and delivers purchase information to a financial company in the electronic financial product service providing system, the financial company discloses a configuration in which the merchant pays the merchant payment from the customer account of the buyer to the merchant.
Korean Patent Laid-Open Publication No. 10-2014-0125925 (Oct. 30, 2014) relates to "online sales price selection service system". A sale process is performed for a sale event that has been sent to a buyer in consideration of a shopping mall selling period, a credit rating, and an average monthly sales amount of the seller registered in the online market.
Korean Patent Laid-Open Publication No. 10-2004-0036242 (Apr. 30, 2004) relates to " prepayment-used payment-after-use payment system ". In the rechargeable prepaid card, a prepaid card is charged with a point corresponding to a cash amount equal to a predetermined ratio as compared to the cash paid.

However, since the gift certificate is deposited in the merchant account by the credit card company after a certain period of time even after the gift certificate is actually used at the merchant, there has been a problem that the time interval between the actual use of the gift certificate and the deposit payment to the merchant is large.

Therefore, the first problem to be solved by the present invention is to deposit the payment amount from the card company of the card settled by the consumer into the merchant account of the electronic voucher at the electronic voucher payment server before the payment is deposited into the merchant, And to provide an electronic voucher payment method capable of receiving a payment payment sooner than receiving a payment.

The second problem to be solved by the present invention is that even before the actual electronic voucher is used by the user, some or all of the payment amount can be received first and the remaining amount can be received when the electronic voucher is used, The present invention provides an electronic gift voucher payment apparatus having an effect of speeding up the electronic gift voucher payment.

It is another object of the present invention to provide a computer-readable recording medium storing a program for causing a computer to execute the above-described method.

In order to achieve the first object of the present invention, there is provided a method for providing an electronic gift certificate to a merchant terminal, the method comprising: transmitting the electronic gift certificate to the merchant terminal when the purchase price of the electronic gift certificate is paid by the merchant terminal; Receiving a usage processing request of the transmitted electronic voucher; And transferring the first amount of the money to the account of the merchant providing the service or the commodity that can be purchased in the electronic voucher, wherein the purchase amount of the electronic voucher is the issuance of the electronic voucher from the payment company The amount of the first percentage of the settlement amount is deposited into the account of the merchant before the money is deposited in the account of the company.

According to an embodiment of the present invention, the amount of the first rate among the settlement amounts may be changed according to the reliability of the merchant.

The reliability of the franchisee is determined to include at least one of a sales amount of the merchant, a membership period with the gift certificate issuer, a product or service return rate, a company evaluation, and a customer satisfaction degree. The higher the reliability, .

According to another embodiment of the present invention, when the franchisee can not provide the service or the product any more, at least one franchisee that can provide the goods or service corresponding to the second rate of the money Receiving an acceptance request of the electronic voucher from the acceptance request; Providing the at least one accepting agent shop list to the terminal of the electronic gift certificate purchaser; Receiving from the purchaser terminal one franchisee of the acquired franchisee list is selected and receiving the use of the electronic gift certificate at the selected franchisee; And depositing an amount of the second rate among the payment amounts to the account of the selected merchant.

According to another embodiment of the present invention, it is preferable that the method further comprises receiving the purchase amount of the electronic gift certificate from the merchant terminal, wherein the purchase amount of the electronic gift certificate is an amount arbitrarily inputted by the user.

If the purchase amount of the electronic voucher is a part of the face value of the electronic voucher, a certain percentage of the purchase amount may be discounted from the face value.

In order to achieve the second object, the present invention provides an electronic gift certificate transfer unit for transferring the electronic gift certificate to the merchant terminal when the purchase amount of the electronic gift certificate is paid by the merchant terminal; And a payment processor for depositing a first percentage of the amount of money in the account of the merchant providing the service or the product that can purchase the electronic gift certificate in the electronic gift certificate, wherein the purchase amount of the electronic gift certificate is deposited from the payment company The electronic gift voucher is deposited into the account of the merchant beforehand.

According to an embodiment of the present invention, it is preferable that the amount of the first rate among the payment amounts is changed according to the reliability of the merchant.

The reliability of the franchisee is determined to include at least one of a sales amount of the merchant, a membership period with the gift certificate issuer, a product or service return rate, a company evaluation, and a customer satisfaction degree. The higher the reliability, can do.

According to another embodiment of the present invention, when the franchisee can not provide the service or the product any more, at least one franchisee that can provide the goods or service corresponding to the second rate of the money To the purchaser terminal of the electronic voucher, and after one of the merchant points of the acquired merchant point list is selected by the purchaser terminal, the selected merchant point is selected from the selected merchant point The user can receive the electronic voucher and can deposit an amount of the second rate in the account of the selected merchant.

According to another embodiment of the present invention, the purchase amount of the electronic gift certificate is received from the merchant terminal, and the purchase amount of the electronic gift certificate may be an amount arbitrarily inputted by the purchaser.

At this time, when the purchase amount of the electronic gift certificate is a part of the face merchandise amount of the electronic gift certificate, it is preferable that the certain amount of the purchase amount be discounted from the face value merchandise amount.

According to another aspect of the present invention, there is provided a computer-readable recording medium storing a program for causing a computer to execute the above-described electronic payment method.

According to the present invention, by transferring the payment from the card company of the card settled by the consumer to the merchant account of the electronic gift certificate from the electronic gift certificate payment server before the payment payment is deposited to the merchant, the merchant receives the payment payment Can be received. Further, according to the present invention, even if the actual electronic voucher is used by the user, some or all of the payment amount can be received first, and the remaining amount can be received when the electronic voucher is used, It is effective. Further, according to the present invention, a user can visit an offline merchant without purchasing an electronic gift certificate in advance, and can purchase an electronic gift certificate directly to the merchant terminal, thereby enabling a user to use the electronic gift certificate immediately on the spot.

1 is a configuration diagram of an electronic voucher payment system according to a preferred embodiment of the present invention.
FIG. 2 is a flowchart of a method for payment of an electronic voucher by a user according to a preferred embodiment of the present invention.
FIG. 3 illustrates a method of paying an electronic merchandise coupon to another merchant after the settlement of the electronic merchandise coupon by the merchant payment terminal shown in FIG.
FIG. 4 shows a method of paying an electronic voucher to an affiliated store when the electronic gift certificate is received after the step 303 shown in FIG.
FIG. 5 illustrates an example of an electronic voucher used in an electronic voucher payment method according to a preferred embodiment of the present invention.
FIG. 6 illustrates another example of an electronic voucher used in an electronic voucher payment method according to a preferred embodiment of the present invention.
FIG. 7 illustrates another example of an electronic voucher used in an electronic voucher payment method according to a preferred embodiment of the present invention.
FIG. 8 is a table summarizing a discount amount according to a purchase amount of an electronic gift certificate according to a preferred embodiment of the present invention and an actual consumer burden.

Prior to the description of the concrete contents of the present invention, for the sake of understanding, the outline of the solution of the problem to be solved by the present invention or the core of the technical idea is first given.

According to an embodiment of the present invention, there is provided an electronic gift voucher payment method, comprising: transmitting the electronic gift voucher to the merchant terminal when the purchase amount of the electronic gift voucher is paid by the merchant terminal; Receiving a usage processing request of the transmitted electronic voucher; And transferring the first amount of the money to the account of the merchant providing the service or the commodity that can be purchased in the electronic voucher, wherein the purchase amount of the electronic voucher is the issuance of the electronic voucher from the payment company An amount of the first percentage of the settlement amount is deposited into the account of the merchant before being deposited in the account of the company.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It will be apparent to those skilled in the art, however, that these examples are provided to further illustrate the present invention, and the scope of the present invention is not limited thereto.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: It is to be noted that components are denoted by the same reference numerals even though they are shown in different drawings, and components of different drawings can be cited when necessary in describing the drawings. In the following detailed description of the principles of operation of the preferred embodiments of the present invention, it is to be understood that the present invention is not limited to the details of the known functions and configurations, and other matters may be unnecessarily obscured, A detailed description thereof will be omitted.

In addition, in the entire specification, when a part is referred to as being 'connected' to another part, it may be referred to as 'indirectly connected' not only with 'directly connected' . In the present specification, the singular form includes plural forms unless otherwise specified in the specification. &Quot; comprises " or " comprising " when used herein should be interpreted as excluding the presence or addition of one or more other elements, steps, operations, or elements in addition to the stated element, step, I never do that.

The terms including ordinal, such as second, first, etc., may be used to describe various elements, but the elements are not limited to these terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the second component may be referred to as a first component, and similarly, the first component may also be referred to as a second component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

1 is a configuration diagram of an electronic voucher payment system according to a preferred embodiment of the present invention.

Referring to FIG. 1, an electronic gift certificate payment system according to the present embodiment includes an affiliate shop terminal 110, an electronic gift certificate payment server 120, a payment server 130, and a merchant payment account server 140.

The merchant terminal 110 requests the electronic gift certificate payment server 120 to issue an electronic gift certificate and upon receiving a request to enter the electronic gift certificate information from the electronic gift certificate payment server 120, And transmits it to the gift certificate payment server 120.

The merchant terminal (110) makes payment according to the request of the payment server (130) and receives the electronic gift certificate from the electronic gift certificate payment server (120).

The merchant terminal 110 transmits the received electronic gift certificate to the electronic gift certificate payment server 120 for use processing.

When the user visits an offline merchant and intends to purchase a product or service using a gift certificate, for example, the electronic gift certificate server 120 is requested to issue an electronic gift certificate via an offline merchant payment terminal. The user can request an electronic gift certificate issuance request, an electronic gift certificate information input, an electronic gift certificate purchase amount payment, an electronic gift certificate reception, and a gift certificate use processing request through the merchant terminal 110.

The electronic gift certificate payment server 120 includes a gift certificate issuance request receiving unit 121, a gift certificate information requesting unit 122, a gift certificate information receiving unit 123, a payment processing request unit 124, a payment completion receiving unit 125, An electronic gift certificate transferring unit 127, a reliability checking unit 128, a payment processing unit 129, and a use processing request receiving unit 310. [

The gift certificate issuance request receiving unit 121 receives the electronic gift certificate issuance request from the merchant terminal 110. And receives identification information of the merchant terminal 110 when receiving the electronic gift certificate issuance request.

When receiving the electronic gift certificate issuance request, the gift certificate information requesting unit 122 requests the merchant terminal 110 to input information of the electronic gift certificate to be issued.

The gift certificate information receiving unit 123 receives the electronic gift certificate information from the merchant terminal 110. The electronic voucher information includes at least one of a merchant name, a product name, an amount of a commodity, and a purchase price of a voucher.

The payment processing request unit 124 transmits the gift certificate purchase amount included in the received electronic gift certificate information to the payment server 130 together with the identification information of the affiliate terminal 110 to request payment processing. The identification information is information necessary for the payment server 130 to make a payment request to the merchant terminal 110.

The payment completion receiving unit 125 receives from the payment server 130 a message that payment has been completed according to the payment request.

The electronic gift certificate creating unit 126 creates an electronic gift certificate based on the electronic gift certificate information received by the gift certificate information receiving unit 123. [ It is preferable that the time of generating the electronic voucher based on the electronic voucher information is made after the payment completion message is received, but it may be generated immediately after the voucher information receiver 123 receives the voucher information.

The electronic gift certificate transfer unit 127 transfers the generated electronic gift certificate to the affiliate shop terminal 110. [

The reliability checking unit 128 confirms the reliability of the merchant using the merchant terminal 110. The reliability is determined in consideration of at least one of the sales amount of the merchant, the membership period with the gift certificate issuer, the product or service return rate, the enterprise evaluation, and the customer satisfaction.

The electronic voucher issuer can deposit a certain amount of money in the account of the merchant according to the reliability before the purchaser's electronic gift voucher payment is deposited in the account of the electronic gift voucher issuer. At this time, if the reliability is high, the amount of money to be deposited to the merchant is high, and if it is low, the amount is low.

The payment processor unit 129 deposits the first amount or the first amount of the payment amount in the payment settlement server 140 of the merchant according to the confirmed trustworthiness of the merchant.

The use processing request receiving unit 310 receives a request to use the electronic gift certificate from the merchant terminal 110. [ When the use processing request receiving unit 310 receives the use processing request, the usage processing request receiving unit 310 notifies the payment processing unit 129 that the electronic gift certificate is used.

When the payment processing unit 129 receives the usage processing notification from the usage processing request receiving unit 310, the payment processing unit 129 deposits the amount of the second rate or the second amount of the payment amount to the payment settlement server 140 of the merchant.

An amount of the sum of the amount corresponding to the first ratio and the amount corresponding to the second ratio plus the issuing fee of the manager of the electronic gift certificate server 120 or the issuer of the electronic gift certificate is paid by the merchant terminal 110 It can be money. In another embodiment, the sum of the first amount and the second amount plus the issuing fee of the manager of the electronic gift certificate server 120 or the issuer of the electronic gift certificate is the amount paid by the merchant terminal 110 .

When the settlement server 130 receives a request for settlement processing of the gift certificate purchase amount from the electronic gift certificate payment server 120, the settlement server 130 requests settlement to the merchant terminal 110. When payment is completed by the merchant terminal 110, And notifies the payment server 120 that the payment has been completed. The payment server 130 may be a credit card company payment server when a purchaser uses a credit card when purchasing an electronic voucher. In this case, the credit card company payment server deposits the electronic gift voucher after a certain period of time into the account of the electronic gift certificate issuer. The settlement of the merchant terminal 110 is performed through a payment means (for example, a credit card) of a consumer who is an electronic gift certificate purchaser.

The merchant payment account server 140 receives the first amount or the first amount of the payment amount corresponding to the creditworthiness of the merchant from the payment processor unit 129. [ When the purchaser uses the electronic gift certificate, the merchant payment account server 140 receives the second amount or the second amount of the payment amount, which is the remaining amount excluding the electronic gift certificate issuer fee, among the remaining amount of the payment amount.

The amount of the first rate or the first amount may be determined differently depending on the reliability of the merchant. Also, the first rate may have a value of 0 to 100% depending on the trustworthiness of the merchant, and the total amount of money to be paid in advance before the electronic gift certificate is used at the merchant may not exceed a predetermined amount limit. In this case, it is preferable that a predetermined amount limit can also be increased or decreased according to the reliability, and the amount limit is increased as the franchisee is more reliable.

The electronic gift certificate issued by the merchant terminal 110 in the offline merchant can be used at the same time of issuance and the payment of the payment to the merchant payment account server 140 is notified by the payment server 130 that the electronic gift certificate payment server 120 ), Or may deposit the payment amount to the merchant payment account server 140 when receiving the message that the electronic merchandise coupon is used at the merchant's point of sale.

FIG. 2 is a flowchart of a method for payment of an electronic voucher by a user according to a preferred embodiment of the present invention.

Referring to FIG. 2, the electronic gift voucher payment method according to the present embodiment is comprised of the steps of time series processing in the electronic voucher payment system shown in FIG. Therefore, the contents described above with respect to the electronic gift voucher payment system shown in Fig. 1 also apply to the electronic voucher payment method according to the present embodiment, even if omitted below.

In step 201, the electronic gift certificate payment server 120 receives a gift certificate issuance request from the merchant terminal 110. Upon receiving the gift certificate issuance request, the electronic gift certificate payment server 120 can generate an electronic gift certificate format in which the user can input gift certificate information. The electronic voucher format is as shown in Figs. 5 to 7.

In step 202, the electronic gift certificate payment server 120 requests the merchant terminal 110 to input electronic gift certificate information. The gift certificate information input request may be transmitted by transmitting the electronic gift certificate format generated in step 201 to the merchant terminal 110. [

The user can request to input only the purchase amount of the gift certificate as in the electronic gift certificate format shown in FIG. 5 to be described later, and input at least one of the merchant name, product name, product amount, and gift certificate purchase amount as shown in FIG. 6 and FIG. 7 You can also request it.

FIG. 6 shows that all of the input items of the electronic gift certificate format are configured as pull-down menus. However, as shown in FIG. 7, the user can arbitrarily input the product amount and the gift certificate purchase amount. When using the electronic voucher of the format shown in FIG. 7, the user can arbitrarily directly input the amount of the product and the purchase price of the electronic voucher, thereby making it possible to prevent the balance from remaining when using the voucher.

In step 203, the electronic gift certificate payment server 120 receives the electronic gift certificate information from the merchant terminal 110.

The commodity amount refers to the commodity amount of the commodity corresponding to the commodity name, that is, the sales price, and the purchase amount of the voucher is the amount paid when the actual user purchases the voucher at a certain rate or a certain amount of the commodity amount. When the user prepares a certain percentage of the commodity amount or a part of the commodity amount as the purchasing amount of the gift certificate, the user can discount the certain amount of the amount of the commodity. It is also possible to discount a certain percentage of the amount of the commodity but not a certain percentage of the purchase price of the voucher. In order for the buyer to receive the discount, it is preferable to use the electronic gift certificate after a certain period of time.

In step 204, the electronic gift certificate payment server 120 requests the settlement server 130 to settle the amount corresponding to the gift certificate purchase amount. Alternatively, the merchant terminal 110 may make a payment processing request directly to the payment server 130 without going through the electronic gift certificate payment server 120.

In step 205, the payment server 130 makes a payment request to the merchant terminal 110. In step 206, the merchant terminal 110 performs settlement in response to the payment request.

In step 207, the electronic gift certificate payment server 120 receives a message from the payment server 130 that the payment for the electronic gift certificate has been completed.

In step 208, the electronic gift certificate payment server 120 transmits the completed electronic gift certificate to the affiliate shop terminal 110. As another embodiment, it is also possible to transmit the electronic payment certificate to the purchaser's terminal (not shown). It is preferable that the transmitted electronic voucher includes a unique authentication number such as a serial number or a QR code.

FIG. 3 illustrates a method of paying an electronic merchandise coupon to another merchant after the settlement of the electronic merchandise coupon by the merchant payment terminal shown in FIG.

Referring to FIG. 3, the electronic voucher settlement method according to the present embodiment is comprised of the steps of time series processing in the electronic voucher payment system shown in FIG. Therefore, the contents described above with respect to the electronic gift voucher payment system shown in Fig. 1 also apply to the electronic voucher payment method according to the present embodiment, even if omitted below.

In step 301, the electronic gift certificate payment server 120 confirms the reliability of the merchant identified by the merchant terminal 110. The reliability is used to determine a payment amount to be deposited when the electronic gift certificate issuer deposits a part of the settlement money obtained as a result of selling the electronic gift certificate to the account of the merchant. That is, in case of the merchant having a high reliability, the high rate of the payment amount is deposited into the merchant account, and in the case of the merchant whose reliability is low, the low rate of the payment amount is deposited into the merchant account.

In step 302, the electronic gift certificate payment server 120 deposits the first rate or the first amount of money paid by the merchant terminal 110 into the merchant payment account server 140.

The first rate or the first amount is determined by the reliability determined in step 301. [

Conventionally, when a purchaser makes payment for a gift certificate on-line in advance, a gift certificate seller receives a payment amount from a credit card company in advance before providing an actual product or service. For a gift certificate franchisee, before the gift certificate is actually used at a merchant, There has been a problem in that it is not given. However, according to the present invention, when a gift certificate issuer sells a gift certificate, a portion of the gift certificate sales amount is first deposited in the merchant store, and when the gift certificate is actually used at the merchant store, the remaining amount is deposited into the merchant store. .

In step 303, the electronic gift certificate payment server 120 is notified from the merchant terminal 110 that the electronic gift certificate is used. It is also possible to perform step 302 after the electronic voucher is used in step 303. [

In step 304, the electronic gift certificate payment server 120 receives the payment from the card company when the amount paid by the merchant terminal 110 is paid by the credit card.

In step 305, the electronic gift certificate payment server 120 deposits the second rate or the second amount of the money paid by the merchant terminal 110 into the merchant payment account server 140.

In step 305, the amount of the first percentage of the settlement proceeds may be omitted when depositing the money including the second rate. By omitting step 305 in the case of a merchant having a high reliability, the merchant may receive all the settlement money before the electronic gift certificate payment server 120 receives the payment from the credit card company.

According to the embodiment of the present invention, an electronic voucher payment method for depositing a part or all of a payment amount from an account of an electronic gift certificate issuing company to an account of a merchant before a payment amount is deposited from an account of a card company to an account of an electronic gift certificate issuing company. In this case, the merchant can receive the settlement payment earlier than receiving the payment from the card company. In addition, even before the actual electronic voucher is used by the user, some of the payment amount (first rate or first amount) can be received first, and after the electronic voucher is used and the payment amount is received from the credit card company, Ratio or the second amount) can be received, so that there is an effect that the payment processing is accelerated.

On the other hand, when the electronic voucher issuer deposits a certain percentage of the purchase price of the gift certificate in the account of the merchant before the electronic voucher is used at the merchant, the problem may become a problem. Therefore, when the possibility of closing the merchant is high, the amount of the first rate to be deposited in the merchant account is lowered, and the balance excluding the amount deposited in the merchant is returned to the purchaser when the merchant is closed, or the electronic voucher corresponding to the balance is provided to the purchaser can do.

For example, if the purchaser's gift certificate is 100,000 won and 20% of the purchase price of the gift certificate is 20,000 won, it is transferred to the merchant account. If the merchant is closed, 80,000 won is returned to the buyer or the electronic gift certificate Can be reissued.

FIG. 4 shows a method of paying an electronic voucher to an affiliated store when the electronic gift certificate is received after the step 303 shown in FIG.

When the electronic gift certificate payment server 120 is informed by the merchant or user that the merchant is no longer able to provide the service or product due to reasons such as closing, shutting down, stopping the sale of the merchandise, etc., You can also return the amount to your user account. In another embodiment, the at least one other merchant stores the electronic gift certificate issued to the user to check whether or not the merchandise or service can be provided, and provides the user with a list of the goods or service. If the user selects one of the offered goods or services and then uses the electronic gift certificate at the other merchant, the user can transfer the amount of the second rate to the account of the other merchant.

In this case, the other merchant provides the goods and services by discounting the goods and services provided by the face value of the gift voucher to the second rate, but has an advantage of securing a separate sales network. In addition, And an option to receive the service is provided. Hereinafter, a more detailed description will be given with reference to FIG.

In step 404, the electronic gift certificate payment server 120 receives the unavailability notification that the electronic gift certificate can not be used. The unusable notification can be received from the user or the merchant.

In step 405, the electronic gift certificate payment server 120 requests other merchants to return whether they are willing to accept the electronic gift certificate notified of the unavailability as the second rate of the payment amount.

In step 406, the electronic gift certificate payment server 120 receives the unavailable electronic gift certificate request from the other merchants as the second rate of the payment amount.

In step 407, the electronic gift certificate payment server 120 provides a merchant shop list requesting the buyer terminal 150 to accept the electronic gift certificate.

In step 408, the electronic gift certificate payment server 120 receives the selected merchant from the buyer terminal 150. [

In step 409, the electronic gift certificate payment server 120 receives that the electronic gift certificate has been used. The notification of whether or not the electronic voucher has been used may be made by the merchant or purchaser terminal 150 selected in step 408. [

In step 410, the electronic gift certificate payment server 120 deposits the amount of the second rate among the payment amount to the account of the selected merchant.

FIG. 5 illustrates an example of an electronic voucher used in an electronic voucher payment method according to a preferred embodiment of the present invention.

Referring to FIG. 5, the electronic voucher according to the present embodiment includes a purchase amount of a gift certificate, an issue date, and an expiration date.

The purchaser can directly input the purchase amount of the gift voucher to issue the gift voucher or the buyer can select the gift voucher amount set in advance through the separate pull-down menu to have the gift voucher issued.

On the other hand, when the purchaser directly inputs the amount of the gift voucher, the change does not occur. For example, if you sell 10% off a product with a price of \ 29,000 in a physical online or offline store, the actual buyer will have to pay \ 26,100. However, if you use the \ 30,000 gift voucher, the balance will remain \ 3,900, leaving a vague amount of money for the buyer to purchase another product. However, if the buyer directly inputs the amount of the gift voucher, such a balance is convenient. That is, by directly inputting \ 26,100 from the time of issuing the first electronic voucher, it is possible to prevent the effect of disruption. At this time, the validity period of the electronic voucher issued with \ 26,100 can be set to a period during which the product is discounted by 10%.

The electronic voucher described in this specification means an electronically generated voucher which is transmitted through a wired / wireless network, and includes a mobile voucher, an online voucher, and the like.

FIG. 6 illustrates another example of an electronic voucher used in an electronic voucher payment method according to a preferred embodiment of the present invention.

Referring to FIG. 6, the electronic voucher according to the present embodiment includes a merchant name, a product name, a product amount, a purchase amount, an issue date, and an expiration date.

The buyer selects the merchant name pulldown menu and selects the merchant with the merchandise to be purchased.

The buyer selects a product name pull-down menu and selects a product name to be sold at the selected merchant.

The buyer selects the commodity amount pull-down menu and selects the commodity amount corresponding to the selected commodity name. The amount of the commodity means the amount of the commodity sold by the purchaser. The sales price of a product means the amount that the buyer actually pays, such as the recommended consumer price, discount price, and exercise price.

The purchaser can select the pull-down menu of the voucher amount, and settle the total amount of the amount or the purchase amount of the voucher, which is a partial amount. That is, the purchase amount of the gift certificate is an amount to be actually paid according to the situation of the purchaser within the amount of the commodity.

Hereinafter, the purchase amount of the gift certificate will be described in more detail.

The e-voucher purchaser can discount 10% of the purchase price of the voucher from the total amount of the product. For example, if the sales price of the product to be purchased is 100,000 won and the purchase price of the gift certificate is 10,000 won, when the buyer actually uses the electronic gift certificate, 10,000 won (discount rate of 10% You can get a discount at 10,000 won. Therefore, when a purchaser purchases an actual product, the user can purchase the purchased product by paying a fee of KRW 89,000 in advance by using a credit card or cash.

On the other hand, the purchaser can make the e-voucher according to the present embodiment ready for use at the time of purchase, but may restrict the use of the electronic voucher after a certain period of time after the issuance date. That is, referring to FIG. 6 again, the publication date is 2017.06.21. The validity period can be used from 2017.06.23, which is two days later.

FIG. 7 illustrates another example of an electronic voucher used in an electronic voucher payment method according to a preferred embodiment of the present invention.

Referring to FIG. 7, the electronic voucher according to the present embodiment includes a merchant name, a product name, a product amount, a purchase price of a gift certificate, an issue date, and an expiration date.

The difference from FIG. 6 is that the purchaser can directly input an arbitrary amount of money without using a pull-down menu in the amount of commodity and the amount of purchase of the voucher.

That is, the purchaser can directly purchase an arbitrary amount of money, not the predetermined commodity amount and the purchase amount of the gift certificate, so that the purchaser can purchase the gift certificate according to the buyer's situation.

Referring back to the example described in FIG. 5, if a merchant with a suggested retail price of $ 29,000 is sold at a merchant discount of 10%, the actual purchaser will have to pay 26,100. In this case, if the buyer inputs \ 26,100 in the commodity amount of FIG. 4 and inputs \ 15,000 in the purchase amount, the purchaser discounts an additional 10%, \ 1,500, from \ 26,100, 24,600. The buyer has already paid \ 15,000 at the time of purchase, so you have to pay \ 9,600 for the difference of \ 24,600.

FIG. 8 is a table summarizing a discount amount according to a purchase amount of an electronic gift certificate according to a preferred embodiment of the present invention and an actual consumer burden.

If the sales amount of the product A is \ 100,000 and the purchase amount of the purchaser's gift certificate is \ 90,000, you will get a discount of \ 9,000, 10% of the purchase amount. Therefore, the actual consumer will be charged \ 91,000, and the buyer has already purchased \ 90,000 vouchers, so when purchasing the actual merchandise A, only \ 1,000 will be added to the \ 90,000 voucher. Likewise, if the buyer purchases \ 10,000, the discount will be \ 1,000, which is 10% of the purchase price. At this time, the actual purchase price of the customer is 99,000 yen, and the buyer must pay \ 89,000 to the \ 10,000 gift certificate when purchasing the actual product A.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

As used in this embodiment, the term " portion " refers to a hardware component such as software or an FPGA (field-programmable gate array) or ASIC, and 'part' performs certain roles. However, 'part' is not meant to be limited to software or hardware. &Quot; to " may be configured to reside on an addressable storage medium and may be configured to play one or more processors. Thus, by way of example, 'parts' may refer to components such as software components, object-oriented software components, class components and task components, and processes, functions, , Subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables. The functions provided in the components and components may be further combined with a smaller number of components and components or further components and components. In addition, the components and components may be implemented to play back one or more CPUs in a device or a secure multimedia card.

All of the functions described above may be performed by a processor such as a microprocessor, a controller, a microcontroller, an application specific integrated circuit (ASIC), etc. according to software or program code or the like coded to perform the function. The design, development and implementation of the above code will be apparent to those skilled in the art based on the description of the present invention.

Claims (13)

The electronic gift certificate payment server transmits the electronic gift certificate to the merchant terminal when the purchase price of the electronic gift certificate is paid by a credit card by the merchant terminal;
Receiving, by the electronic gift certificate payment server, a use processing request of the transmitted electronic gift certificate; And
And depositing the first rate of the purchased purchase amount into the account of the merchant providing the service or the product for purchasing the electronic gift certificate as the electronic gift certificate,
An amount of the first percentage of the payment amount is deposited from the account of the electronic gift certificate issuing company to the account of the merchant before the amount of purchase of the electronic gift certificate is deposited from the credit card settlement company into the account of the issuer of the electronic gift certificate,
Wherein the purchase amount of the electronic voucher is an amount arbitrarily inputted by a user. The method according to claim 1,
And the amount of the first percentage of the settlement amount is changed according to the reliability of the merchant. 3. The method of claim 2,
The reliability of the franchisee is determined to include at least one of sales of the franchisee, affiliation period with the gift certificate issuer, product or service return rate, company evaluation, and customer satisfaction,
Wherein the first rate increases as the reliability increases. The method of claim 3,
When the merchant is no longer able to provide the service or the product, the electronic gift certificate payment server receives from the at least one affiliate merchant capable of providing the goods or service corresponding to the second rate of the amount of the money, Receiving an acceptance request of the gift certificate;
Providing the electronic gift certificate payment server to the terminal of the electronic gift certificate purchaser;
The electronic gift certificate payment server receiving from the buyer terminal one franchisee of the acquired franchisee list is selected and the electronic gift certificate is used at the selected franchisee; And
And the electronic gift certificate payment server further depositing an amount of the second rate among the payment amounts to the account of the selected merchant. delete The method according to claim 1,
If the purchase amount of the electronic gift certificate is a part of the face merchandise amount of the electronic gift certificate, discount a certain percentage of the purchase amount from the face value merchandise amount. An electronic gift certificate transfer unit for transferring the electronic gift certificate to the merchant terminal when the purchase price of the electronic gift certificate is paid by a credit card by the merchant terminal; And
And a payment processor for depositing an amount of the first percentage of the settlement amount into an account of an affiliate store that provides a service or a product that can be purchased in the electronic gift certificate,
An amount of the first percentage of the payment amount is deposited from the account of the electronic gift certificate issuing company to the account of the merchant before the amount of purchase of the electronic gift certificate is deposited from the credit card settlement company into the account of the issuer of the electronic gift certificate,
Wherein the purchase amount of the electronic voucher is an amount arbitrarily inputted by the user. 8. The method of claim 7,
Wherein the amount of the first rate among the settlement amounts is changed according to the reliability of the merchant. 9. The method of claim 8,
The reliability of the franchisee is determined to include at least one of sales of the franchisee, affiliation period with the gift certificate issuer, product or service return rate, company evaluation, and customer satisfaction,
Wherein the first rate increases as the reliability increases. 10. The method of claim 9,
Receiving an acceptance request for the electronic merchandise coupon from at least one or more merchant merchants capable of providing a merchandise or service corresponding to a second rate of the amount of money, when the merchant is no longer able to provide the service or merchandise Providing the at least one merchant store list to the purchaser terminal of the electronic gift certificate, receiving one of the merchant stores from the merchant store list selected by the purchaser terminal, indicating that the electronic gift certificate is used at the selected merchant store, And depositing an amount of the second rate among the payment amounts to the account of the selected merchant. delete 8. The method of claim 7,
When the purchase amount of the electronic gift certificate is a part of the face merchandise amount of the electronic gift certificate, discounts a certain percentage of the purchase amount from the face value merchandise amount. A computer-readable recording medium storing a program for causing a computer to execute the method according to any one of claims 1 to 4 or 6.

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