KR102107649B1 - Apparatus, system and method for exchanging gift certificate with unfair exchange detection function - Google Patents

Abstract

The present invention relates to an apparatus for exchanging a gift certificate with an unfair exchange detection function, a system thereof and a method thereof and, more specifically, to an apparatus for exchanging a gift certificate with an unfair exchange detection function, a system thereof and a method thereof which group gift certificates received through an unmanned information terminal by each merchant to detect unfair exchanges due to merchant fraudulent purchases according to the continuity of serial numbers of the gift certificates and a determination condition of the unfair exchanges and optimize merchants gift certificate exchange limits.

Description

Apparatus, system and method for exchanging gift certificate with unfair exchange detection function

The present invention relates to a voucher exchange apparatus, system, and method, and more specifically, to exchange a voucher through an unmanned information terminal, but to group the vouchers stored through the unmanned information terminal by merchant, to determine whether the serial number of the voucher is continuous. And a fraud exchange apparatus, system, and method having a fraud detection function that detects fraudulent exchanges due to fraudulent purchase of gift certificates by merchants, and optimizes and sets a fraud exchange limit of traders.

Recently, traditional market gift certificates such as Onnuri gift certificates have been issued and used to revitalize the traditional market.

Usually, merchants who have received these Onnuri gift certificates visit the bank that issued the gift certificate and request the exchange of the gift certificate. When a currency exchange is requested, the bank transfers the amount of the gift certificate requested for currency exchange to the merchant's account the next day.

In this way, the merchant receives the money corresponding to the amount of the gift certificate on the next day after requesting the exchange of the gift certificate to his account.

Therefore, the merchant has to wait a day for a day to receive the amount according to the exchange of the gift certificate, and hassle to visit the bank to exchange the gift certificate.

In order to solve such a problem, a method in which a specific user such as a market merchant association, that is, a manager, inputs customer information (= merchant information) collectively for a gift certificate received by customers such as a merchant, and exchanges the gift certificate is a prior patent document registration patent 10-1436733 [Financial devices, methods, servers and systems for voucher exchange].

However, the prior patent document also has a problem in that, as a specific user performs currency exchange collectively, the party holding the gift certificate cannot immediately exchange money.

Also, in order to facilitate distribution of gift certificates, discount events are being held. At this time, fraud occurs due to fraudulent purchase of a voucher in which a merchant employs a third party to purchase a voucher in bulk and then resells it, thereby taking fraudulent profit corresponding to a discount rate due to a discount event.

However, as a specific manager, such as a merchant association, performs exchanges in an integrated manner, the manager has a problem in that it is difficult to detect illegal exchanges of merchants.

In addition, in recent years, a voucher exchange system using an unmanned information terminal has been developed and applied, but there is also a problem that only the exchange function of the voucher is provided, and it is impossible to detect illegal exchange of merchants.

Registered Patent No. 10-1436733 Registered Patent No. 10-1713378

Accordingly, an object of the present invention is to exchange gift certificates through an unmanned information terminal, but group gift merchandise received through the unmanned information terminal by group for each merchant to purchase the gift certificate fraudulently based on the continuity of the serial numbers of the gift certificate and the conditions for determining illegal exchange. It is to provide a voucher exchange apparatus, system and method having a fraud exchange detection function to detect fraudulent exchange according to, and to optimize and set the limit of voucher exchange by merchants.

To achieve the above object, a voucher exchange device having a fraud exchange function according to the present invention includes: a merchant DB that stores registration information including merchant identification information and merchant authentication information, a serial number for a voucher sold, and a voucher A server storage unit including a sales voucher DB for storing voucher information including the amount of money, a storage voucher DB for storing voucher information, and a fraudulent storage voucher DB for storing voucher information for vouchers received by a subject of fraudulent exchange; And after receiving and acquiring received voucher information for at least one voucher input by an authorized merchant from an unmanned information terminal, extracting the serial numbers of the vouchers requested by the merchant to generate a list of serial numbers listed in order, It is determined whether there is a serial number group formed by consecutive serial numbers in the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value. It characterized in that it comprises a server control unit designated by.

The server control unit may include a merchant registration unit that receives the registration information for any merchant and stores it in a merchant DB for registration; A voucher sales information acquisition unit that acquires the voucher information for the voucher and stores it in the voucher DB; A merchant who obtains merchant identification information and merchant authentication information from an unmanned information terminal, and compares the obtained merchant authentication information with merchant authentication information corresponding to the merchant identification information of the merchant DB to authenticate that the person who exchanges the gift certificate is the merchant Authentication processing unit; If the merchant authentication is successful, the voucher storage information that is received and acquired by receiving the voucher information for at least one voucher input by the merchant authenticated from the unmanned information terminal, and then maps and stores the voucher identification information of the corresponding merchant in the voucher DB. Acquisition unit; A serial number extraction unit for extracting the serial number of the vouchers requested by the merchant of the merchant identification information whenever the storage voucher information is acquired and generating a list of serial numbers listed in order; And the existence of a serial number group formed by consecutive serial numbers in the listed serial number list, and determining whether the number of consecutive serial numbers in the serial number group exceeds the reference value, and if the threshold value is exceeded, a corresponding merchant may be exchanged illegally. Characterized in that it comprises a negative currency exchange judgment unit designated as a merchant.

The fraud exchange determination unit counts the number of times a fraudulent exchange possibility designated as a fraudulent trader for each trader is counted, and when the counted number of fraudulent traders specified exceeds the preset number of fraudulent exchanges, the trader is converted into a fraudulent trader. It is characterized in that the setting to block the exchange of gift certificates through the unmanned information terminal.

The merchant DB further stores merchant notification means information and manager notification means information capable of providing information for each manager and merchant, and the server control unit designates the merchant as the fraudulent possibility or fraudulent trader. An irregularity that loads the merchant notification means information for the merchant and the manager notification means information for the manager from the merchant DB and informs that the merchant notification means information and the manager notification means information is designated as a trader or a fraudulent trader. It is characterized in that it further comprises a notification unit for transmitting the corresponding notification information among the designated notification information for the possibility of currency exchange and the designated notification information for the trader.

The merchant authentication information is characterized in that one or more of the merchant's iris, fingerprint, face and voice.

The storage unit further includes a sales DB for storing sales by merchant, and a sales setting DB for storing the set sales by merchant and the maximum money exchange limit, which is the maximum amount that can be exchanged, and the server control unit whenever the voucher storage information is acquired. A sales calculation unit for calculating the sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in a certain period unit; And checking whether the sales calculated by the sales calculation unit exceeds a preset sales, and if the sales exceeds the sales, the number of times of sales exceeding the sales set for the trader is counted. It characterized in that it further comprises a limit adjusting unit for adjusting the upward limit of the voucher exchange set in the sales setting DB for the merchant if the set number of exceeded sales exceeds the preset number of times exceeded.

A gift certificate exchange system having a fraud exchange function according to the present invention for achieving the above object is: a gift certificate upon receiving and transmitting merchant identification information and merchant authentication information, and receiving authentication success notification information by the merchant authentication information An unmanned information terminal for requesting input, acquiring gift certificate information by recognizing a gift certificate input according to the input request, and generating and transmitting received gift certificate information including gift certificate information for at least one gift certificate; And when the merchant identification information and the merchant authentication information are received from the unmanned information terminal, perform authentication by comparing the previously registered merchant authentication information with the received authentication information in response to the merchant identification information, and when authentication is successful, authentication success notification information To the unmanned information terminal, and correspondingly, when the received voucher information is received, the serial number of the vouchers requested by the trader is extracted to generate a list of serial numbers listed in order, and of the listed serial number list A gift certificate exchange device that determines whether a serial number group formed by consecutive serial numbers and the number of consecutive serial numbers in the serial number group exceeds a reference value, and if the threshold value is exceeded, a corresponding trader is designated as a potential foreign currency exchanger. It is characterized by including.

The voucher exchange device includes a merchant DB for storing registration information including merchant identification information and merchant authentication information, a sales voucher DB for storing voucher information including a serial number for a voucher sold and a voucher amount, and storage voucher information. A server storage unit including a stored gift voucher DB and a fraudulent gift voucher DB that stores gift voucher information for gift vouchers received by a person who is subject to fraudulent exchange; And after receiving and acquiring received voucher information for at least one voucher input by an authorized merchant from an unmanned information terminal, extracting the serial numbers of the vouchers requested by the merchant to generate a list of serial numbers listed in order, It is determined whether there is a serial number group formed by consecutive serial numbers in the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value. It characterized in that it comprises a server control unit designated by.

The server control unit,

A merchant registration unit that receives the registration information for any merchant and stores it in a merchant DB for registration; A voucher sales information acquisition unit that acquires the voucher information for the voucher and stores it in the voucher DB; A merchant who obtains merchant identification information and merchant authentication information from an unmanned information terminal, and compares the obtained merchant authentication information with merchant authentication information corresponding to the merchant identification information of the merchant DB to authenticate that the person who exchanges the gift certificate is the merchant Authentication processing unit; If the merchant authentication is successful, the voucher storage information that is received and acquired by receiving the voucher information for at least one voucher input by the merchant authenticated from the unmanned information terminal, and then maps and stores the voucher identification information of the corresponding merchant in the voucher DB. Acquisition unit; A serial number extraction unit for extracting the serial number of the vouchers requested by the merchant of the merchant identification information whenever the storage voucher information is acquired and generating a list of serial numbers listed in order; And the existence of a serial number group formed by consecutive serial numbers in the listed serial number list, and determining whether the number of consecutive serial numbers in the serial number group exceeds the reference value, and if the threshold value is exceeded, a corresponding merchant may be exchanged illegally. Characterized in that it comprises a negative currency exchange judgment unit designated as a merchant.

The fraud exchange determination unit counts the number of times a fraudulent exchange possibility designated as a fraudulent trader for each trader is counted, and when the counted number of fraudulent traders specified exceeds the preset number of fraudulent exchanges, the trader is converted into a fraudulent trader. It is characterized in that the setting to block the exchange of gift certificates through the unmanned information terminal.

The storage unit further includes a sales DB for storing sales by merchant, and a sales setting DB for storing the set sales by merchant and the maximum money exchange limit, which is the maximum amount that can be exchanged, and the server control unit whenever the voucher storage information is acquired. A sales calculation unit for calculating the sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in a certain period unit; And checking whether the sales calculated by the sales calculation unit exceeds a preset sales, and if the sales exceeds the sales, the number of times of sales exceeding the sales set for the trader is counted. It characterized in that it further comprises a limit adjusting unit for adjusting the upward limit of the voucher exchange set in the sales setting DB for the merchant if the set number of exceeded sales exceeds the preset number of times exceeded.

In order to achieve the above object, a method for exchanging a voucher having a fraud detection function according to the present invention includes: a merchant registration process in which the server control unit receives registration information for an arbitrary merchant through a merchant registration unit and stores it in a merchant DB for registration. ; A voucher sales information acquisition process in which the server control unit acquires voucher sales information including voucher information for vouchers sold through the voucher sales information acquisition unit and stores the voucher sales information in the voucher DB; The server control unit obtains merchant identification information and merchant authentication information from an unmanned information terminal through a merchant authentication processing unit, compares the obtained merchant authentication information with merchant authentication information corresponding to the merchant identification information of the merchant DB, and exchanges a gift certificate. A merchant authentication process for authenticating that a person who is a merchant is a merchant; When the server control unit succeeds in the authentication of the merchant, after receiving and acquiring the received gift voucher information for at least one gift voucher input by the merchant authenticated from the unmanned information terminal through the gift voucher storage information acquiring unit, the merchant of the merchant in the received gift voucher DB A process of acquiring gift voucher storage information mapped to and stored in identification information; A serial number listing process in which the server control unit extracts the serial numbers of the gift certificates requested by the trader of the merchant identification information whenever the received gift voucher information is obtained through the serial number extraction unit to generate a list of serial numbers listed in order; And the server control unit determines whether there is a serial number group formed by consecutive serial numbers in the listed serial number list and determines whether the number of consecutive serial numbers in the serial number group exceeds the reference value through the illegal currency exchange determination unit. If it exceeds, it is characterized by including the process of judging the fraudulent activity to designate the trader as a trader who is likely to exchange money.

The cheating process may include determining whether a serial number group exists by the server control unit to determine whether there is a serial number group formed by consecutive serial numbers of the listed serial number list through the illegal currency exchange determination unit; The server control unit determines whether the number of successive serial numbers in the serial number group exceeds a reference value, and if the value exceeds the reference value, an illegal exchange possibility trader designation step of designating a corresponding trader as a fraudulent exchange possibility trader; And the server control unit counts the number of times a designated number of illegal exchange possibility merchants is designated as a possibility of illegal currency exchange for each trader, and sets the corresponding trader as a negative currency exchange trader when the counted number of times of false exchange possibility trader designation exceeds a preset number of negative exchange rates. Setting up a negative currency exchange trader; And a currency exchange blocking step of blocking the exchange of a voucher through the unmanned information terminal to a merchant designated as an illegal currency exchange merchant by the server control unit.

In the fraud determination process, when the trader is designated as the fraudulent exchange possibility trader, the trader notification means information for the trader and the administrator notice means information for the trader are loaded from the trader DB, and the trader notice means information and manager notice A false exchange possibility merchant notification step of transmitting a false exchange possibility merchant designation notification information informing that a false exchange possibility merchant is designated as a means for notifying the means information; And when the merchant is designated as the fraudulent exchange merchant, loads the merchant notification means information for the merchant and the manager notification means information for the manager from the merchant DB, thereby denying the merchant notification means information and the manager notification means information. It is characterized in that it further comprises a step of notifying a fraudulent exchange trader that transmits notification information of a fraudulent exchange trader designating that he or she is designated as a trader.

The method includes: a sales calculation process in which the server control unit calculates sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in units of a certain period each time the voucher storage information is acquired through the sales calculation unit; And the server control unit checks whether the sales calculated by the sales calculation unit exceed the preset sales through the limit adjustment unit, and if the sales exceed the predetermined sales, the set sales exceeding the preset sales for the merchant. It characterized in that it further comprises a limit adjustment process for counting the number of excesses and adjusting the upward limit of the voucher exchange amount set in the sales setting DB for the merchant when the counted set sales excess number exceeds the preset sales excess reference number of times. do.

The present invention lists the received vouchers for each merchant, and if the number of consecutive vouchers among the vouchers exceeds the threshold, the corresponding merchant is designated as a possibility of fraud, and the corresponding merchant and manager are notified. It is possible to prepare for the illegal exchange of traders by keeping their interest in it, and it can be confirmed that the trader has been designated as a possible target of illegal exchange, so it has the effect of blocking the subsequent illegal exchange by giving attention to the case of illegal exchange.

In addition, the present invention blocks the exchange of gift vouchers through an unattended information terminal with a notification when the number of times designated as a target for the possibility of fraudulent exchange exceeds the standard number of fraudulent exchanges, and allows only the administrator to exchange money for exchange. It has the effect of blocking fraudulent exchange using a merchant's unmanned information terminal.

In addition, the present invention calculates the sales of a certain period by accumulating the amount of the gift certificate exchanged by the merchant, and if the number of times the amount of sales exceeds the set amount of sales is more than the reference number of sales exceeded, the manager is notified or automatically scheduled By increasing the limit above the amount, it provides the effect of improving the convenience of the merchant.

1 is a view showing the configuration of a voucher exchange system having a fraud exchange detection function according to the present invention.
2 is a view showing the configuration of an unattended information terminal of a voucher exchange system having a fraud exchange function according to the present invention.
3 is a view showing the configuration of a voucher exchange device of a voucher exchange system having a fraud exchange function according to the present invention.
4 is a flow chart showing a method for exchanging vouchers with a function for detecting fraudulent exchange according to the present invention.
5 is a process diagram showing a merchant registration method among the voucher exchange method having a fraudulent exchange detection function according to the present invention.
6 is a flowchart illustrating a method for detecting fraudulent exchange among gift voucher exchange methods having a fraud detection function according to the present invention.
7 is a flowchart illustrating a method for resetting a gift voucher exchange limit among gift voucher exchange methods having a function for detecting fraudulent exchange according to the present invention.

Hereinafter, the configuration and operation of a voucher exchange device and system having a fraud exchange function according to the present invention will be described with reference to the accompanying drawings, and a voucher exchange method including a fraud detection method and a voucher currency exchange limit setting method will be described in detail. Explain.

1 is a view showing the configuration of a voucher exchange system having a fraud exchange detection function according to the present invention.

Referring to FIG. 1, a gift voucher exchange system having a function for detecting fraudulent exchange according to the present invention includes an unmanned information terminal 200 and a voucher exchange apparatus 300, and according to an embodiment, the bank server 100 and the notification terminal unit It may further include (400).

The bank server 100, the unmanned information terminal 200, the gift certificate exchange device 300 and the notification terminal unit 400 are connected to any one of wireless and wired through the wired / wireless data communication network 10 to perform mutual data communication. .

The wired / wireless data communication network 10 includes a broadband communication network including a Wi-Fi network and a local area network (LAN), a mobile communication network such as 3G (3 Generation), 4G, 5G, dedicated network, WiBro network, etc. It may be a communication network in which any one or more are combined.

The bank server 100 obtains gift certificate information for gift certificates sold at a bank and transmits the gift certificate information including gift certificate information for a plurality of gift certificates to the gift certificate exchange device 300 through the wired / wireless data communication network 10 In addition, according to an embodiment, registration information including merchant identification information and merchant authentication information for merchants who wish to sign up for an unmanned information terminal voucher exchange service using the unmanned information terminal 200 according to the present invention It may be obtained and provided to the gift certificate exchange device 300.

The unmanned information terminal 200 includes a means for obtaining merchant identification information and merchant authentication information, and a means for obtaining gift certificate information from a gift certificate input and received by a gift certificate, and thus obtained merchant identification information and a merchant Acquiring authentication information and sending it to the gift voucher exchange device to request authentication, and upon successful authentication, obtain gift voucher information of the gift voucher to be input after requesting the input of the gift voucher to receive the gift voucher information for at least one gift voucher (300) ).

The merchant identification information may be a merchant's name, phone number, ID (ID), card number, etc., and the authentication information may include a personal identification number (PIN), card password, iris, fingerprint, face, It may be biometric information such as voice.

The notification terminal unit 400 is a terminal of a merchant and an unmanned information terminal gift certificate exchange service manager of the present invention, a computer terminal 410 such as a desktop computer, a personal computer, a laptop, a smart terminal 420 such as a smart phone, a smart pad, etc. It could be the back.

When the merchant identification information and the merchant authentication information are received from the unmanned information terminal 200, the voucher exchange device 300 performs authentication by comparing the previously registered merchant authentication information with the received authentication information in response to the merchant identification information. When the authentication is successful, the authentication success notification information is transmitted to the unmanned information terminal 200, and when the received gift voucher information is received correspondingly, the serial number of the vouchers requested by the trader is extracted and listed in order. Create a list, and determine whether the serial number group formed by consecutive serial numbers in the listed serial number list and the number of serial numbers in the serial number group exceed the reference value. Is designated as a trader who is likely to exchange money.

In addition, the voucher exchange device 300 counts the number of times a designated number of fraudulent exchange possibility merchants designated as a fraudulent exchange possibility merchant for each of the merchants, and denies the trader if the counted number of fraudulent exchange possibility traders designated exceeds a preset number of fraudulent exchange standards. Set as a currency exchange merchant to block the exchange of vouchers through the unmanned information terminal 200.

In addition, the voucher exchange apparatus 300 calculates sales by accumulating the voucher amount of the voucher exchanged for each merchant in a certain period, determines whether the calculated sales exceed the set sales set for each merchant, and determines the set sales The number of times exceeding the set number of sales exceeded, and if the counted number of times of exceeding the set number exceeds the standard number of sales exceeded, the manager is notified or the limit is automatically increased in units of a certain amount. The above limit means the total amount of the gift certificate that the merchant can exchange in units of the period. For example, the period may be a month, and if an arbitrary trader sets a limit of 5 million won on a monthly basis, the gift certificate may be exchanged only within 5 million won. And if the set sales are set to 4 million won, and the number of times of exceeding sales is set to 3 times, the gift certificate exchange device 300 is the above limit, 5 million won if the monthly sales of the merchant exchange exceeds 4 million won three times. By increasing the unit by a certain amount (for example, 1 million won), the total limit will be raised to 6 million won.

2 is a view showing the configuration of an unattended information terminal of a voucher exchange system having a fraud exchange function according to the present invention.

2, the unmanned information terminal 200 includes a terminal storage unit 210, a display unit 220, an input unit 230, a terminal communication unit 240, a biometric information acquisition unit 250, and a card recognition unit 260. ), A voucher recognition unit 270 and a terminal control unit 280.

The terminal storage unit 210 is a program area for storing a control program for controlling the operation of the unmanned information terminal 200 according to the present invention, a temporary area for temporarily storing data generated during the execution of the control program, and performing the control program It includes a data area for permanently storing the necessary data and generated data.

The display unit 220 displays various information as at least one of text, icons, graphics, still images, and videos.

The input unit 230 is a key input device such as a keyboard including a plurality of keys for information input, function and command input corresponding to a graphic user interface means displayed on the screen of the display unit 220, and is integral to the screen. It is configured to be configured to output a location signal corresponding to the touched location, and any one or more of a touch pad, a mouse, and the like, which are combined with graphical user interface means displayed on the screen to allow input of various information.

The terminal communication unit 240 is connected to the wired / wireless data communication network 10 and performs data communication with other devices, servers, systems, etc. connected to the wired / wireless data communication network 10.

The biometric information acquisition unit 250 acquires biometric information of the user of the unmanned information terminal 200 such as a merchant and outputs the biometric information to the terminal control unit 280.

The biometric information may be iris data, fingerprint data, vein data, facial feature data, voice feature data, etc., and the biometric information acquisition unit 250 may include an iris recognition device, a fingerprint recognition device, a vein recognition device, a camera and a microphone. It may include any one or more of the audio processing device including a.

The card recognition unit 260 receives a merchant card issued by a bank, etc., reads the card information including the merchant identification information recorded on the card, and outputs it to the terminal control unit 280.

The gift voucher recognition unit 270 includes an input port for receiving one or more gift vouchers, detects gift voucher information including a serial number and a gift voucher amount from the gift voucher, and outputs it to the terminal controller 280.

The terminal control unit 280 includes a terminal merchant registration unit 281, a merchant authentication unit 282, a gift certificate information obtaining unit 283, a currency exchange gift certificate information generating unit 284, and an information transmitting and receiving unit 285 according to the present invention. The overall operation of the unmanned information terminal 200 is controlled.

The terminal merchant registration unit 281 displays a merchant registration graphic user interface means through the display unit 220, and a merchant from any one or more of the input unit 230 and the card recognition unit 260 through the merchant registration graphic user interface means. After acquiring the identification information and obtaining the merchant authentication information from any one or more of the input unit 230 and the biometric information acquisition unit 250, the information transmitting and receiving unit includes the acquired merchant identification information and the merchant authentication information including registration information. 285) and the terminal communication unit 240, and transmits it to the gift certificate exchange device 300.

When a voucher exchange event occurs, the merchant authentication unit 282 acquires merchant identification information from any one or more of the input unit 230 and the card recognition unit 260, and either the input unit 230 or the biometric information acquisition unit 250 After obtaining the merchant authentication information from one or more, the authentication request information including the identification information and the merchant authentication information is transmitted to the gift certificate exchange device 300 through the information transmitting / receiving unit 285 and the terminal communication unit 240 for authentication. Upon request, if authentication result information for the authentication request is received through the information transmitting and receiving unit 285 and the authentication result is successful, it will request that the gift certificate be input through the display unit 220.

The voucher information acquiring unit 283 acquires voucher information from one or more vouchers input through the voucher recognition unit 270 when the voucher is input to an input port (not shown) and outputs it to the exchange voucher information generation unit 284.

The exchange voucher information generation unit 284 generates exchange voucher voucher information including the voucher information after input of voucher information for one or more vouchers from the voucher information acquisition unit 283, and then transmits and receives the information 285 and the terminal. It transmits to the gift certificate exchange device 300 through the communication unit 240.

The information transmitting and receiving unit 285 transmits the information transmitted from the terminal control unit 280 to the voucher exchange device 300 through the terminal communication unit 240, receives the information received by the terminal communication unit 240, and receives the information received by the terminal communication unit 240. ).

3 is a view showing the configuration of a voucher exchange device of a voucher exchange system having a fraud exchange function according to the present invention.

Referring to FIG. 3, the gift voucher exchange apparatus 300 includes a server storage unit 310, a server communication unit 320, and a server control unit 330.

The server storage unit 310 includes a merchant DB 311, a sales voucher DB 312, a storage voucher DB 313, an illegal storage voucher DB 314, a sales DB 315, and a sales setting DB 316. .

The merchant DB 311 stores registration information for merchants who have subscribed to the unmanned information terminal gift certificate exchange service. The registration information may include merchant notification means information, merchant identification information, merchant authentication information, and merchant information including a merchant name, phone number, address, and the like. The merchant DB 311 may further store manager information including manager notification means information for the manager.

The sales voucher DB 312 stores sales voucher information including voucher information for vouchers sold through a bank or the like.

The storage voucher DB 313 stores the storage voucher information for the vouchers requested for exchange through the unmanned information terminal 200 for each merchant, and the serial number listing the serial numbers of the voucher information of the storage voucher information for each merchant in order. Save the list.

The fraudulent gift voucher DB 314 stores voucher information of a serial number group determined as a fraudulent exchange possibility trader and a fraudulent trader's fraudulent exchange.

The sales DB 315 stores sales of accumulated voucher amounts of vouchers exchanged for a period of time for each merchant.

The sales setting DB 316 stores a limit for each merchant, and stores a set number of sales and a reference number of sales excess for each merchant to adjust the limit. The set sales may be the same or different for each merchant, and it is desirable to apply the same number of times the sales exceeded.

The server communication unit 320 connects to the wired / wireless data communication network 10 to perform data communication with other devices, servers, systems, etc. connected to the wired / wireless data communication network 10.

The server control unit 330 includes a merchant registration unit 331, a voucher sales information acquisition unit 332, a voucher storage information acquisition unit 333, a merchant authentication processing unit 334, a serial number extraction unit 335, and an illegal currency exchange determination unit ( 336), including the notification unit 337, the sales calculation unit 338 and the limit adjustment unit 339 to control the overall operation of the voucher exchange apparatus 300 according to the present invention.

Specifically, the merchant registration unit 331 receives registration information from the bank server 100 through the server communication unit 320, or receives registration information from the unmanned information terminal 200 and stores it in the merchant DB 311 for reception. The registered registration information is registered with the unmanned information terminal gift certificate exchange service of the present invention.

The voucher sales information acquisition unit 332 monitors whether voucher sales information is received from the voucher sales server such as the bank server 100 through the server communication unit 320, and when the voucher sales information is received, the voucher sales information acquisition unit DB 312 To save.

The voucher storage information acquiring unit 333 monitors whether the voucher storage information is received from at least one unmanned information terminal 200 through the server communication unit 320, and authenticates after the merchant authentication by the merchant authentication processing unit 334, which will be described later. When the voucher storage information including the merchant identification information is received, the voucher storage information is stored in the store voucher DB 313 for each merchant by the merchant identification information.

The serial number extracting unit 335 extracts the serial numbers of the gift certificates requested by the trader of the merchant identification information whenever the received gift voucher information is obtained, generates a list of serial numbers listed in order, and stores them in the stored gift voucher DB 313.

The negative currency exchange determination unit 336 determines whether a serial number group formed by consecutive serial numbers of the listed serial number list exists and whether the number of consecutive serial numbers in the serial number group exceeds the reference value and exceeds the reference value. If you do, the merchant will be designated as a potential currency exchanger.

In addition, the negative currency exchange determination unit 336 counts the number of times of false exchange possibility trader designated as a negative exchange possibility trader for each trader, and if the counted number of times of false exchange possibility trader designation exceeds a preset number of false exchange standard, the corresponding trader It is set as a fraudulent exchange merchant, and exchange of vouchers through the unmanned information terminal is blocked.

The notification unit 337 loads the merchant notification means information for the merchant and the manager notification means information for the manager from the merchant DB 311 when the merchant is designated as the fraudulent exchange possibility trader or fraudulent exchange trader. The unattended information terminal 200 is configured to notify the corresponding notification information among the designated notification information of the possibility of fraudulent exchange and the designated notification information of the fraudulent exchange merchant, which informs that it is designated as a fraudulent trader or a fraudulent trader as a means of notifying the means of notification and information of the administrator. It transmits to the corresponding configuration among the merchant notification terminal 400 and the manager notification terminal 400.

The sales calculation unit 338 calculates the sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in a certain period every time the voucher storage information is acquired. The predetermined period may be a week, month, year, etc., but is not limited thereto.

The limit adjustment unit 339 checks whether the sales calculated by the sales calculation unit 338 exceeds a preset sales, and if the sales exceed the sales, the sales that exceed the setting sales for the merchant The excess number is counted, and if the set number of exceeded set sales exceeds the preset number of exceeded sales, the trader exchange limit set in the sales setting DB is adjusted upward for the merchant.

4 is a flow chart showing a method for exchanging vouchers with a function for detecting fraudulent exchange according to the present invention. Hereinafter, referring to FIG. 4, it will be described from the viewpoint of the gift certificate exchange device 300.

The server control unit 330 of the gift voucher exchange device 300 receives the registration information including the merchant identification information and the merchant authentication information from any one or more of the bank server 100 and the unmanned information terminal 200, and the merchant DB 311. Stored therein to register the merchant of the registration information with the unmanned information terminal gift certificate exchange service of the present invention (S111). It is preferable that the merchant authentication information is biometric information to confirm that the authenticated merchant is the person.

When the merchant registration is completed, the server control unit 330 receives the gift certificate sale information including the gift certificate information including the serial number and the gift certificate amount for the gift certificate sold from the gift certificate dealer, such as the bank server 100, and sells the gift certificate DB 312 ) To register the voucher for sale (S113).

When a request for currency exchange occurs for the registered voucher, the server control unit 330 lists the serial number of the vouchers requested by the currency exchange or serially arranges the serial numbers of the vouchers requested to be exchanged, and has a serial number group having consecutive serial numbers. It is determined whether or not the presence and presence of a serial number group is exchanged (S115).

If it is not a currency exchange, the server control unit 330 calculates sales in a certain period and adjusts the limit according to sales (S117). When determining the limit adjustment, the server control unit 330 may automatically adjust the limit, or may be adjusted by the manager by providing the manager information of the merchant who needs to adjust the limit.

5 is a process diagram showing a merchant registration method among the voucher exchange method having a fraudulent exchange detection function according to the present invention.

When the merchant registration method is described with reference to FIG. 5, as described above, the bank server 100 and the unmanned information terminal 200 transmit registration information for at least one merchant to the voucher exchange apparatus 300 (S211) -1, S211-2).

When the registration information for one or more merchants is received from one of the bank server 100 and the unmanned information terminal 200, the gift voucher exchange device 300 is registered through the bank or registered through the unmanned information terminal 200. It is determined (S213).

If registered through a bank, the voucher exchange device 300 performs a merchant registration process to store and register the received registration information in the merchant DB 311 (S221), and if registered through an unmanned information terminal 200, a merchant authentication process It is performed (S215).

After performing the merchant authentication process, the voucher exchange device 300 determines whether the authentication is successful (S217), if the authentication is unsuccessful, notifies the authentication failure (S219), and if successful, performs the merchant registration process (S221).

6 is a flowchart illustrating a method for detecting fraudulent exchange among gift voucher exchange methods having a fraud detection function according to the present invention.

Referring to FIG. 6, the server control unit 330 checks whether or not a voucher exchange request is generated according to whether a voucher authentication request occurs according to a voucher exchange through the merchant authentication processing unit 334 (S311).

When the voucher exchange request occurs, the server control unit 330 requests the merchant identification information and the merchant authentication information to the unmanned information terminal 200, and when the merchant identification information and the merchant authentication information are received, the merchant for the merchant identification information The authentication is performed by comparing the merchant authentication information registered in the DB 311 with the received merchant authentication information (S312). The merchant identification information may have been previously obtained.

If the merchant authentication is successful, the server control unit 330 requests to input the gift certificate to the unmanned information terminal 200, and obtains the received gift voucher information in response thereto and stores it in the received gift voucher DB 313 (S313).

When the stored gift voucher information is stored, the server control unit 330 extracts the serial number from the gift voucher information of the stored gift voucher information for the merchant who has transmitted the received gift voucher information through the serial number extraction unit 335 and serializes the serial number in the order of the serial number. The number list is generated or the existing serial number list is updated (S317).

When the serial number list is created or updated, the server control unit 330 determines whether there is a serial number group consisting of consecutive serial numbers among serial numbers in the serial number list through the negative currency exchange determination unit 336 and the serial number. It is determined whether the number of serial numbers in the number group exceeds the standard number of illegal exchanges (S319).

If it is determined that the exchange is not fraudulent, the server control unit 330 performs general exchange processing for the gift certificate requested for the exchange (S329).

On the other hand, if it is determined to be fraudulent, the server control unit 330 sets the corresponding trader as a fraudulent trader (S321), and through the notification unit 337, a preset trader notification means of the trader and a pre-set administrator notification of the administrator It is notified by means (S323). The notification means may be a mobile communication message such as SMS, email, messenger, SNS account, and the like. In addition, the server control unit 330 increases the number of times that a trader can designate the possibility of fraudulent exchange for each trader by one.

After notification of the possibility of fraudulent exchange, the server control unit 330 determines whether the number of fraudulent traders who have been designated exceeds the preset number of fraudulent exchanges (S325), and the counted number of fraudulent traders who have been fraudulent exceeds the number of fraudulent exchanges. If not, the currency exchange process is performed (S329), and if exceeded, a penalty such as currency exchange blocking is applied, and then notified by the notification means of the corresponding merchant and manager (S327).

7 is a flowchart illustrating a method for resetting a gift voucher exchange limit among gift voucher exchange methods having a function for detecting fraudulent exchange according to the present invention.

Referring to FIG. 7, the server control unit 330 determines whether the sales period is a unit of a predetermined period (S411). As described above, the predetermined period unit may be a week unit, a month unit, or a year unit.

During the sales calculation period, the server control unit 330 accumulates the gift voucher amounts of the vouchers exchanged for each merchant and calculates sales for the predetermined period (S413).

When the sales are calculated, the server control unit 330 determines whether the calculated sales exceed the set sales set for the merchant (S415), and if the calculated sales exceed the set sales, checks whether the limit adjustment condition is satisfied (S417) ). The limit adjustment condition may be whether or not the set number of times of sales exceeding the set number of times of sales exceeds the set number of times of sales exceeding the set amount of sales as described above. However, the present invention is not limited thereto, and the condition for adjusting the limit may be whether or not the excess amount exceeding the set sales exceeds the reference amount. In addition, the limit adjustment condition may be applied in excess of the amount of money and the number of times.

If the limit adjustment condition is satisfied, the server control unit 330 sets the limit of the merchant upward (S419). At this time, the upward amount of the limit may be changed according to the number of times exceeded or the amount exceeded, and the upper limit may be increased whenever the above condition is satisfied, but only within the maximum limit.

On the other hand, the present invention is not limited to the typical preferred embodiments described above, but can be carried out by improving, changing, replacing or adding in various ways without departing from the gist of the present invention. Anyone who has a will easily understand. If the implementation by such improvement, modification, replacement or addition falls within the scope of the appended claims, the technical idea should also be regarded as belonging to the present invention.

10: wired and wireless data communication network 100: bank server
200: unmanned information terminal 210: terminal storage unit
220: display unit 230: input unit
240: terminal communication unit 250: biometric information acquisition unit
260: card recognition unit 270: gift certificate recognition unit
280: terminal control unit 281: terminal merchant registration unit
282: merchant authentication unit 283: gift certificate information acquisition unit
284: currency exchange voucher information generation unit 285: information transmitting and receiving unit
300: gift certificate exchange device 310: server storage unit
311: Merchant DB 312: Sales Gift Certificate DB
313: storage gift certificate DB 314: illegal storage gift certificate DB
315: Sales DB 316: Sales Setting DB
320: server communication unit 330: server control unit
331: merchant registration unit 332: gift certificate sales information acquisition unit
333: gift certificate storage information acquisition unit 334: merchant authentication processing unit
335: serial number extraction unit 336: illegal currency exchange determination unit
337: Notification unit 338: Sales calculation unit
339: limit adjustment unit 400: administrator terminal unit

Claims (16)

A merchant DB that stores registration information including merchant identification information and merchant authentication information, a sales voucher DB that stores voucher information including serial numbers and voucher amounts for vouchers sold, a voucher DB that stores voucher information, and A server storage unit including a fraudulent gift voucher DB for storing gift voucher information for a gift voucher received by a person who is eligible for fraudulent exchange; And
After receiving and acquiring received voucher information for at least one voucher input by an authorized merchant from an unmanned information terminal, extract the serial number of the vouchers requested by the merchant to generate a list of serial numbers listed in order, and The existence of a serial number group formed by consecutive serial numbers in the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value. A voucher exchange device having a fraud exchange detection function, comprising a server control unit to designate.
According to claim 1,
The server control unit,
A merchant registration unit that receives the registration information for any merchant and stores it in a merchant DB for registration;
A voucher sales information acquisition unit that acquires the voucher information for the voucher and stores it in the voucher DB;
A merchant who obtains merchant identification information and merchant authentication information from an unmanned information terminal, and compares the obtained merchant authentication information with merchant authentication information corresponding to the merchant identification information of the merchant DB to authenticate that the person who exchanges the gift certificate is the merchant Authentication processing unit;
If the merchant authentication is successful, the voucher storage information that is received and acquired by receiving the voucher information for at least one voucher input by the merchant authenticated from the unmanned information terminal, and then maps and stores the voucher identification information of the corresponding merchant in the voucher DB. Acquisition unit;
A serial number extraction unit for extracting the serial number of the vouchers requested by the merchant of the merchant identification information whenever the storage voucher information is acquired and generating a list of serial numbers listed in order; And
It is determined whether there is a serial number group formed by consecutive serial numbers in the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value. It characterized in that it comprises a negative currency exchange judgment unit designated by the voucher currency exchange device having a negative currency detection function.
According to claim 2,
The negative exchange determination unit,
The unmanned information terminal is set by counting the number of times when a designated number of illegal exchange possibility merchants designated as the possibility of illegal currency exchange by each trader exceeds the predetermined number of times of false exchange that is set in advance. Gift voucher exchange device having a function of detecting an illegal exchange, characterized in that to block the exchange of vouchers.
According to claim 3,
The merchant DB,
Stores further information of the merchant notification means and the manager notification means that can provide information for each manager and merchant,
The server control unit,
When the trader is designated as a fraudulent exchange possibility trader or a fraudulent trader, the trader notification means information for the trader and manager notification means information for the trader are loaded from the trader DB, and the trader notification means information and manager notification means information A false money exchange detection function further comprising a notification unit for transmitting the corresponding notification information among the false money exchange possibility merchant designation notification information and the negative money exchange merchant designation notification information, which informs that it has been designated as a bad money exchange possibility merchant or a bad money exchange merchant. Eggplant voucher exchange device.
According to claim 2,
The merchant authentication information is a voucher exchange device having a fraudulent exchange detection function, characterized in that the biometric information of one or more of the merchant's iris, fingerprint, face and voice.
According to claim 2,
The storage unit further includes a sales DB that stores sales by merchant, and a sales setting DB that stores the set sales by merchant and the maximum amount of money that can be exchanged.
The server control unit,
A sales calculation unit for calculating the sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in a certain period unit each time the voucher storage information is acquired; And
It is checked whether the sales calculated by the sales calculation unit exceeds a preset sales, and if the sales exceed the sales, the number of times the sales exceeds the preset sales is counted for the merchant, and the count is counted. If the set number of times exceeded exceeds the preset number of times exceeded the predetermined number of sales exceeded, the voucher exchange device having a fraud exchange detection function further comprising a limit adjustment unit for adjusting the voucher exchange limit set in the sales setting DB upward for the merchant. .
Acquiring and transmitting merchant identification information and merchant authentication information, upon receipt of authentication success notification information by the merchant authentication information, requesting the input of a gift certificate, and recognizing the gift certificate input according to the input request to obtain gift certificate information, at least An unmanned information terminal that generates and transmits received gift certificate information including gift certificate information for one or more gift certificates; And
When the merchant identification information and the merchant authentication information are received from the unmanned information terminal, authentication is performed by comparing the previously registered merchant authentication information with the received authentication information in response to the merchant identification information, and when authentication is successful, authentication success notification information is transmitted. When it is transmitted to the unmanned information terminal, and correspondingly, the received voucher information is received, the serial number of the vouchers requested by the trader is extracted to generate a list of serial numbers listed in order, and the list of serial numbers is continuously listed. Includes a voucher exchange device that determines whether a serial number group is formed by the serial numbers and whether the number of consecutive serial numbers in the serial number group exceeds the threshold value, and if the threshold value is exceeded, the corresponding merchant is designated as a potential foreign currency exchanger. Having a negative currency exchange detection function, characterized in that Gift certificate exchange system.
The method of claim 7,
The gift certificate exchange device,
A merchant DB that stores registration information including merchant identification information and merchant authentication information, a sales voucher DB that stores voucher information including serial numbers and voucher amounts for vouchers sold, a voucher DB that stores voucher information, and A server storage unit including a fraudulent gift voucher DB for storing gift voucher information for a gift voucher received by a person who is eligible for fraudulent exchange; And
After receiving and acquiring received voucher information for at least one voucher input by an authorized merchant from an unmanned information terminal, extract the serial number of the vouchers requested by the merchant to generate a list of serial numbers listed in order, and The existence of a serial number group formed by consecutive serial numbers in the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value. A voucher exchange system having a fraud exchange detection function, comprising a designated server control unit.
The method of claim 8,
The server control unit,
A merchant registration unit that receives the registration information for any merchant and stores it in a merchant DB for registration;
A voucher sales information acquisition unit that acquires the voucher information for the voucher and stores it in the voucher DB;
A merchant who obtains merchant identification information and merchant authentication information from an unmanned information terminal, and compares the obtained merchant authentication information with merchant authentication information corresponding to the merchant identification information of the merchant DB to authenticate that the person who exchanges the gift certificate is the merchant Authentication processing unit;
If the merchant authentication is successful, the voucher storage information that is received and acquired by receiving the voucher information for at least one voucher input by the merchant authenticated from the unmanned information terminal, and then maps and stores the voucher identification information of the corresponding merchant in the voucher DB. Acquisition unit;
A serial number extraction unit for extracting the serial number of the vouchers requested by the merchant of the merchant identification information whenever the storage voucher information is acquired and generating a list of serial numbers listed in order; And
It is determined whether there is a serial number group formed by consecutive serial numbers in the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value. A fraud exchange system having a fraud exchange detection function, comprising a fraud exchange designation unit designated by.
The method of claim 9,
The negative exchange determination unit,
The unmanned information terminal is set by counting the number of times when a designated number of illegal exchange possibility merchants designated as the possibility of illegal currency exchange by each trader exceeds the predetermined number of times of false exchange that is set in advance. A voucher exchange system having a function of detecting fraudulent exchange, characterized by blocking voucher exchange through the voucher.
The method of claim 9,
The storage unit further includes a sales DB that stores sales by merchant, and a sales setting DB that stores the set sales by merchant and the maximum amount of money that can be exchanged.
The server control unit,
A sales calculation unit for calculating the sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in a certain period unit each time the voucher storage information is acquired; And
It is checked whether the sales calculated by the sales calculation unit exceeds a preset sales, and if the sales exceeds the sales, the number of times of exceeding the sales set for the merchant is counted, and the count is counted. If the set number of sales exceeded the preset number of times exceeded the predetermined number of sales exceeded, the voucher exchange system having a fraud exchange detection function further comprising a limit adjustment unit for adjusting the upwardly adjusted voucher exchange limit set in the sales setting DB for the merchant. .
A merchant registration process in which the server control unit receives registration information for any merchant through the merchant registration unit and stores it in the merchant DB for registration;
A voucher sales information acquisition process in which the server control unit acquires voucher sales information including voucher information for vouchers sold through the voucher sales information acquisition unit and stores the voucher sales information in the voucher DB;
The server control unit obtains merchant identification information and merchant authentication information from an unmanned information terminal through a merchant authentication processing unit, compares the obtained merchant authentication information with merchant authentication information corresponding to the merchant identification information of the merchant DB, and exchanges a gift certificate. A merchant authentication process for authenticating that a person who is a merchant is a merchant;
When the server control unit succeeds in the authentication of the merchant, after receiving and acquiring the received gift voucher information for at least one gift voucher input by the merchant authenticated from the unmanned information terminal through the gift voucher storage information acquiring unit, the merchant of the merchant in the received gift voucher DB A process of acquiring gift voucher storage information mapped to and stored in identification information;
A serial number listing process in which the server control unit extracts the serial numbers of the gift certificates requested by the trader of the merchant identification information whenever the received gift voucher information is obtained through the serial number extraction unit to generate a list of serial numbers listed in order; And
The server control unit determines whether there is a serial number group formed by consecutive serial numbers of the listed serial number list and whether the number of consecutive serial numbers in the serial number group exceeds the reference value through the illegal currency exchange determination unit. When exceeding, the method for converting a voucher having a fraud detection function, comprising a process of judging a fraudulent activity to designate a corresponding trader as a fraud possibility trader.
The method of claim 12,
The cheating process is,
A continuous serial number group existence determination step in which the server control unit determines whether there is a serial number group formed by successive serial numbers of the listed serial number list through an illegal currency exchange determination unit;
The server control unit determines whether the number of successive serial numbers in the serial number group exceeds a reference value, and if the value exceeds the reference value, an illegal exchange possibility merchant designation step of designating a corresponding trader as a fraudulent exchange possibility trader; And
The server control unit counts the number of times a designated number of illegal exchange possibility merchants designated as a possibility of illegal currency exchange for each trader is set, and when the counted number of times of the designated number of false exchange possibility traders exceeds a preset number of negative exchange rates, a corresponding trader is set as a negative currency exchange trader. Setting up a negative currency exchange trader; And
And a currency exchange blocking step of blocking the exchange of a voucher through the unmanned information terminal to a merchant designated as a fraud exchange merchant by the server control unit.
The method of claim 13,
The cheating process is,
When the trader is designated as the fraudulent exchange possibility trader, it loads the trader notification means information for the trader and the administrator notification means information for the trader from the trader DB, and is illegal as the notification means of the trader notification means information and the administrator notice means information A false exchange possibility merchant notification step of transmitting false exchange possibility merchant designation notification information informing that the exchange is possible as a trader; And
When the trader is designated as the fraudulent exchanger, the trader DB loads the trader notification means information for the trader and the administrator notification means information for the administrator, and exchanges the trader notification means information and the administrator notification means information for illegal exchange. And a fraud exchange merchant notification step of transmitting fraud exchange merchant designation notification information indicating that the trader is designated as a trader.
The method of claim 12,
A sales calculation process in which the server control unit calculates the sales of the merchant by accumulating the voucher amount of each voucher of the voucher storage information obtained for each merchant in a certain period every time the voucher storage information is acquired through the sales calculation unit; And
The server control unit checks whether the sales calculated by the sales calculation unit exceed the preset sales through the limit adjustment unit, and when the sales exceed the preset sales, exceeds the set sales exceeding the preset sales for the merchant And counting the number of times, and further comprising a limit adjustment process of adjusting the voucher exchange limit set in the sales setting DB upward for the merchant when the counted set sales excess number exceeds the preset sales excess reference number of times. A method of exchanging a voucher with a fraud detection function.
The method of claim 12,
The merchant authentication information is a voucher exchange method with a fraudulent exchange detection function, characterized in that the biometric information of one or more of the merchant's iris, fingerprint, face and voice.

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