KR102601282B1 - System for issuing and paying mobile voucher and method thereof - Google Patents

Abstract

The present invention relates to a mobile voucher issuance and payment system, and includes a user terminal that connects to a mobile voucher server through a mobile app (APP) or mobile web (WEB), performs a mobile voucher application and mobile voucher payment; And an administrator terminal that connects to the mobile voucher server to view the voucher application details and usage details for each user who has agreed to provide information and to approve or reject the application. It performs issuance processing, mobile voucher transaction and payment processing, mobile voucher limit management, mobile voucher user information management, and mobile voucher administrator information management. It also processes mobile voucher transactions and payments in connection with the shopping mall server. It is characterized by

Description

Mobile voucher issuance and payment system and method {SYSTEM FOR ISSUING AND PAYING MOBILE VOUCHER AND METHOD THEREOF}

The present invention relates to a mobile voucher issuance and payment system and method, and more specifically, to a mobile voucher issuance and payment system and method that improves the issuance and usability of mobile vouchers.

In general, voucher services are a policy project targeting vulnerable groups of public institutions (e.g. government, local governments, offices of education, etc.), providing meal support for undernourished children, support for treatment (hospital expenses) and education (academy expenses) for disabled children, and low-income vulnerable households. This refers to a system that supports purchase costs by designating specific items and services, such as support for the purchase of Korean agricultural products.

For example, vouchers include agricultural food vouchers, milk vouchers, and fruit snack vouchers, and the scope of application is limited for each voucher type, and the maximum number of approvals per household is limited.

The existing voucher service was provided through the issuance of plastic cards.

However, recently, the demand for mobile-based voucher services (i.e., mobile vouchers) is increasing for convenience of use.

The background technology of the present invention is disclosed in Republic of Korea Patent No. 10-2434677 (registered on August 17, 2022, operation and management system for mobile gift certificates with balance deducted).

The present invention is intended to solve the above problems, and its purpose is to provide a mobile voucher issuance and payment system and method that improves the issuance and usability of mobile vouchers.

The mobile voucher issuance and payment system according to one aspect of the present invention is a user terminal that connects to a mobile voucher server through a mobile app (APP) or mobile web (WEB), and performs mobile voucher application and mobile voucher payment. ; And an administrator terminal that connects to the mobile voucher server to view the voucher application details and usage details for each user who has agreed to provide information and to approve or reject the application. It performs issuance processing, mobile voucher transaction and payment processing, mobile voucher limit management, mobile voucher user information management, and mobile voucher administrator information management. It also processes mobile voucher transactions and payments in connection with the shopping mall server. It is characterized by

In the mobile voucher issuance and payment method according to another aspect of the present invention, in order to apply for a mobile voucher through a user terminal, a user who has already registered as a member of a business operator that handles mobile voucher work logs in to the business's designated mobile app, Receiving a mobile voucher menu that is a sub-menu of the mobile app from the user; Checking whether the user has completed consent to provide information; And when the consent to provide information is completed, the user terminal connects to the mobile voucher server through a mobile app, allowing the user to apply for issuance of a mobile voucher through the mobile web. It is characterized by

In the present invention, when the user terminal connects to the mobile voucher server through a mobile app, the mobile voucher server checks whether the user has a mobile voucher based on the login information of the designated mobile app of the business operator. Therefore, if the user does not possess a mobile voucher, a mobile voucher application will be filled out, and once the mobile voucher application is submitted, the number of mobile voucher applicants specified per household will be exceeded, and if the user does not possess a physical card voucher, It is characterized by being implemented to complete the mobile voucher application and wait for the administrator's approval.

In the mobile voucher issuance and payment method according to another aspect of the present invention, in order to apply for use of a mobile voucher through a user terminal, a user who has already registered as a member of a business operator that handles mobile voucher work logs into the designated mobile app of the business operator. Afterwards, receiving a selection of a mobile voucher menu that is a sub-menu of the mobile app from the user; Checking whether the user has completed consent to provide information; And when the consent to provide information is completed, the user terminal connects to the mobile voucher server through a mobile app, allowing the user to apply for mobile voucher use or payment through the mobile web. It is characterized by:

In the present invention, when the user terminal connects to the mobile voucher server through a mobile app, the mobile voucher server checks whether the user has a mobile voucher based on the login information of the designated mobile app of the business operator. Therefore, if the user holds a mobile voucher, the mobile voucher payment method is selected by the user, the payment screen of the selected method is output through the user terminal, and payment is made through the payment screen printed through the user terminal. , It is characterized by being implemented to check the presence or absence of a voucher balance and, if there is a voucher balance, approve the payment and complete the payment.

A mobile voucher issuance and payment method according to another aspect of the present invention involves a user accessing an online shopping mall using a PC, ordering items that can be paid with a voucher, and then using the mobile voucher in a designated manner to apply for use or payment of the mobile voucher. When applying for balance inquiry, the user terminal is configured so that a user who has already registered as a member of a business that handles mobile voucher work logs into the designated mobile app of the user terminal, selects the mobile voucher menu, which is a sub-menu, and agrees to provide information. or has already completed the consent to provide information, connects to the mobile voucher server to check the mobile voucher balance, transfers the voucher balance from the mobile voucher server to the relevant shopping mall server and displays it on the online shopping mall screen, allowing the user to It is possible to check the balance, and the shopping mall server is implemented to automatically enter the balance to be deducted and complete the payment.

In the present invention, in the step of connecting to the mobile voucher server and checking the mobile voucher balance, the mobile voucher server checks whether the user has a mobile voucher based on the login information of the designated mobile app of the business operator. Therefore, if the user holds a mobile voucher, the user selects the QR code scan menu, and if camera access is granted, the QR code displayed on the online shopping mall accessed using the PC is scanned or the balance inquiry code is entered. When the QR code is scanned or the balance inquiry code is entered, the type of voucher required for the payment is checked, and if the user holds a voucher required for the payment, the voucher information and the balance of the voucher are checked and sent to the shopping mall server. It is characterized by being implemented to deliver to.

The mobile voucher issuance and payment method according to another aspect of the present invention involves the user accessing an online shopping mall using a mobile app or mobile web on the user terminal, ordering items that can be paid with a voucher, and then applying for use or payment of the mobile voucher. To this end, when applying to check the balance of a mobile voucher in the submenu and allowing app call permission, the user terminal calls a designated mobile app and automatically logs in to the mobile voucher server in the background without user intervention; And the mobile voucher server displays a screen while inquiring mobile voucher balance on the user terminal, confirms the type of voucher to be used or paid for, and based on the login information of the designated mobile app of the relevant operator, By checking whether the user holds a voucher, and if the user holds the mobile voucher, the voucher information and the balance of the voucher are checked, the balance of the voucher is transmitted to the relevant shopping mall server and displayed on the online shopping mall screen, allowing the user to By including a step of allowing the balance to be checked, the shopping mall server is implemented to complete the payment by automatically entering the balance to be deducted.

In the mobile voucher issuance and payment method according to another aspect of the present invention, the user logs in to a designated mobile app on the user terminal, selects an online shopping mall from the submenu of the mobile app, logs in, and then makes a voucher payment at the online shopping mall. After ordering a product, when applying to check the balance of a mobile voucher at an online shopping mall in order to apply for use or payment of a mobile voucher, the user terminal directly connects to the mobile voucher server without the need for an app call permission permission process. ; And the mobile voucher server displays a screen while inquiring mobile voucher balance on the user terminal, confirms the type of voucher to be used or paid for, and based on the login information of the designated mobile app of the business operator, By checking whether the user holds a voucher, and if the user holds the mobile voucher, the voucher information and the balance of the voucher are checked, the balance of the voucher is transmitted to the relevant shopping mall server and displayed on the online shopping mall screen, allowing the user to By including a step of allowing the balance to be checked, the shopping mall server is implemented to complete the payment by automatically entering the balance to be deducted.

In the mobile voucher issuance and payment system, the user terminal checks whether the user holds a mobile voucher based on the login information of the designated mobile app of the business operator, and if the user holds a mobile voucher, the user terminal A mobile voucher payment method is selected from the user, and a payment screen for the selected method is output through the user terminal, and the mobile voucher server uses user identification information as the login information to check whether the user has a mobile voucher and make payment. Processing, and the payment is characterized in that it is made by a limit deduction approval method within the balance range of the voucher identified by the household identification information included in the user.

In the mobile voucher issuance and payment system, if the user is classified by the user identification information as having difficulty using the mobile voucher due to a disability among members of the household corresponding to the household identification information, the household identification information It is characterized in that the limit deduction approval is made so that the balance range of the voucher that can be used compared to other members of the same household is limited.

In the mobile voucher issuance and payment system, when the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the user terminal, the mobile voucher server provides household identification information of the household to which the user belongs. When the household is determined to be a vulnerable household, when personal information provision consent information is received from the user terminal of the other member, mobile vouchers for the user and other members are supported to be issued in batches.

In the mobile voucher issuance and payment method, in order to apply for a mobile voucher through a user terminal, a user who has already registered as a member of a business operator that handles mobile voucher work logs in to the designated mobile app of the business operator and then sends the user to the mobile app. Step of selecting the mobile voucher menu, which is a submenu of; Checking whether the user has completed consent to provide information; And when the consent to provide information is completed, the user terminal connects to the mobile voucher server through a mobile app, allowing the user to apply for issuance of a mobile voucher through the mobile web. It is characterized by

In the mobile voucher issuance and payment method, when the user terminal connects to the mobile voucher server through a mobile app, the mobile voucher server collects the user's mobile voucher based on the login information of the designated mobile app of the relevant operator. It checks whether the user has a mobile voucher, and if the user does not have a mobile voucher, a mobile voucher application is filled out. When the mobile voucher application is submitted, the user can receive a physical card voucher without exceeding the number of mobile voucher applicants specified per household. It is characterized by being implemented to complete the mobile voucher application and wait for the administrator's approval if it is not held.

In the mobile voucher issuance and payment method, in order to apply for the use of a mobile voucher through a user terminal, a user who has already registered as a member of a business that handles mobile voucher work logs in to the designated mobile app of the business operator and receives the above information from the user. Step of selecting the mobile voucher menu, which is a submenu of the mobile app; Checking whether the user has completed consent to provide information; And when the consent to provide information is completed, the user terminal connects to the mobile voucher server through a mobile app, allowing the user to apply for mobile voucher use or payment through the mobile web. It is characterized by:

In the mobile voucher issuance and payment method, when the user terminal connects to the mobile voucher server through a mobile app, the mobile voucher server collects the user's mobile voucher based on the login information of the designated mobile app of the relevant operator. By checking whether the user holds a mobile voucher, the mobile voucher payment method is selected by the user, the payment screen of the selected method is output through the user terminal, and the payment screen printed through the user terminal is displayed. When making a payment through payment, the presence or absence of a voucher balance is checked, and if there is a voucher balance, the payment is approved and the payment is completed.

In the mobile voucher issuance and payment method, when a user accesses an online shopping mall using a PC, orders items that can be paid with a voucher, and then applies for mobile voucher balance inquiry using a designated method in order to apply for use or payment of the mobile voucher. In the user terminal, a user who has already registered as a member of a business that handles mobile voucher business logs in to the designated mobile app of the user terminal, selects the mobile voucher menu, which is a submenu, and agrees to provide information or agrees to provide information. If it has already been completed, connect to the mobile voucher server to check the mobile voucher balance, transfer the voucher balance from the mobile voucher server to the corresponding shopping mall server and display it on the online shopping mall screen, allowing the user to check the balance. , the shopping mall server is characterized by being implemented to complete payment by automatically entering the balance to be deducted.

In the mobile voucher issuance and payment method, in the step of connecting to the mobile voucher server and checking the mobile voucher balance, the mobile voucher server collects the user's mobile voucher based on the login information of the designated mobile app of the relevant operator. Check whether the user has a mobile voucher, and if the user has a mobile voucher, the user selects the QR code scan menu, and if camera access is granted, scan the QR code displayed on the online shopping mall accessed using a PC or check the balance. The code is entered, and when the QR code is scanned or the balance inquiry code is entered, the type of voucher required for the payment is checked, and if the user holds a voucher required for the payment, the voucher information and the balance of the voucher are checked. It is characterized in that it is implemented to be delivered to the corresponding shopping mall server.

In the mobile voucher issuance and payment method, the user accesses an online shopping mall using a mobile app or mobile web on the user terminal, orders items that can be paid with a voucher, and then selects the mobile voucher from the submenu to apply for use or payment of the mobile voucher. When applying for a voucher balance inquiry and app calling permission is granted, the user terminal calls a designated mobile app and automatically logs in to the mobile voucher server in the background without user intervention; And the mobile voucher server displays a screen while inquiring mobile voucher balance on the user terminal, confirms the type of voucher to be used or paid for, and based on the login information of the designated mobile app of the relevant operator, By checking whether the user holds a voucher, and if the user holds the mobile voucher, the voucher information and the balance of the voucher are checked, the balance of the voucher is transmitted to the relevant shopping mall server and displayed on the online shopping mall screen, allowing the user to By including a step of allowing the balance to be checked, the shopping mall server is implemented to complete the payment by automatically entering the balance to be deducted.

In the mobile voucher issuance and payment method, after the user logs in to the designated mobile app on the user terminal, selects an online shopping mall from the submenu of the mobile app, logs in, and then orders items eligible for voucher payment at the online shopping mall, then When applying to check the balance of a mobile voucher at an online shopping mall in order to apply for use or payment of a voucher, the user terminal directly connects to the mobile voucher server without the need for an app call permission approval process; And the mobile voucher server displays a screen while inquiring mobile voucher balance on the user terminal, confirms the type of voucher to be used or paid for, and based on the login information of the designated mobile app of the business operator, By checking whether the user holds a voucher, and if the user holds the mobile voucher, the voucher information and the balance of the voucher are checked, the balance of the voucher is transmitted to the relevant shopping mall server and displayed on the online shopping mall screen, allowing the user to By including a step of allowing the balance to be checked, the shopping mall server is implemented to complete the payment by automatically entering the balance to be deducted.

The present invention relates to a mobile voucher issuance and payment system and method, and improves the convenience of issuing and using mobile vouchers.

Figure 1 is an exemplary diagram showing the schematic configuration of a mobile voucher issuance and payment system according to an embodiment of the present invention.
Figure 2 is a flowchart for explaining the application and issuance process of a mobile voucher in Figure 1.
FIG. 3 is a flowchart illustrating the process of using the issued mobile voucher in FIG. 1 at an offline store.
Figure 4 is a flowchart for explaining the process of using a mobile voucher using a PC (Personal Computer) in an online shopping mall in Figure 1.
Figure 5 is a flowchart for explaining the process of using a mobile voucher using a mobile app or mobile web in an online shopping mall in Figure 1.
Figure 6 is a flowchart for explaining the process of using a mobile voucher by accessing an online shopping mall through a submenu in a designated app in Figure 1.
Figure 7 is an example diagram showing a mobile voucher application screen through a user terminal in Figure 1.
Figure 8 is an example diagram showing a screen for viewing and using a mobile voucher usage history through a user terminal in Figure 1.
Figure 9 is an example diagram showing the plastic card voucher usage details and balance inquiry screen through the user terminal in Figure 8.
Figure 10 is an example diagram showing a viewing screen of voucher application details and usage details for each user who has agreed to provide information displayed on the administrator terminal in Figure 1.
Figure 11 is an example diagram showing a viewing screen of voucher approval, application, or approval rejection details for each user in Figure 10.

Hereinafter, an embodiment of a mobile voucher issuance and payment system and method according to the present invention will be described with reference to the attached drawings.

In this process, the thickness of lines or sizes of components shown in the drawing may be exaggerated for clarity and convenience of explanation. In addition, the terms described below are terms defined in consideration of functions in the present invention, and may vary depending on the intention or custom of the user or operator. Therefore, definitions of these terms should be made based on the content throughout this specification.

Figure 1 is an exemplary diagram showing the schematic configuration of a mobile voucher issuance and payment system according to an embodiment of the present invention.

As shown in FIG. 1, the mobile voucher issuance and payment system according to this embodiment includes a user terminal 110, a mobile voucher server 120, and an administrator terminal 130.

The user terminal 110 connects to the mobile voucher server 120 through a mobile app (APP) or mobile web (WEB), allowing the user to apply for a mobile voucher.

The user terminal 110 connects to the shopping mall server 140 where mobile vouchers can be used, and allows the user to make a payment using the issued mobile voucher.

The user terminal 110 connects to the mobile voucher server 120, allowing the user to check the voucher usage details (i.e., the usage details of the plastic card voucher and mobile voucher) and the remaining limit.

The administrator terminal 130 connects to the mobile voucher server 120 and allows the administrator to view the voucher application history and usage history for each user who has agreed to provide information (see FIG. 10), and approve (or apply) or approve. Allows refusal (see Figure 11).

The mobile voucher server 120 performs mobile voucher application and issuance processing, mobile voucher transaction and payment processing, mobile voucher limit management, mobile voucher user information management, and mobile voucher administrator information management.

The mobile voucher server 120 provides necessary information in conjunction with the user terminal 110 or the manager terminal 130, and also processes mobile voucher transactions and payments in conjunction with the shopping mall server 140.

Figure 2 is a flowchart for explaining the application and issuance process of a mobile voucher in Figure 1.

Referring to FIG. 2, the user can run a designated mobile app (eg, bank app) on the user terminal 110 and apply for a mobile voucher through a submenu (eg, mobile voucher menu).

In other words, businesses that handle mobile voucher work (e.g. banks, however, if a higher-level organization supports the authentication process for voucher issuance, the authentication process can be simplified by automatically sending only the authentication value for the person to whom the voucher is issued). To apply for a mobile voucher, a registered user logs into the operator's designated mobile app (e.g., bank app) (S101 ~ S103) and selects a submenu (e.g., mobile voucher menu) (S104) ), if you agree to provide information (S106) or have already completed the consent to provide information (example of S105), connect to the mobile voucher server 120 and proceed with the mobile voucher application process through the mobile web.

The mobile voucher server 120 checks whether the user has a mobile voucher (S107), based on the login information of the designated mobile app (e.g., bank app) of the corresponding operator (e.g., bank), and If the user holds a mobile voucher (example in S107), the mobile voucher use screen (i.e., mobile voucher home) is output through the user terminal 110 (S119).

Meanwhile, the mobile voucher server 120 checks whether the user has a mobile voucher (S107), and if the user does not have a mobile voucher (No in S107), the mobile voucher server 120 receives the mobile voucher from the user. When the application form is completed (S108) and the mobile voucher application is submitted, it is checked whether the number of mobile voucher applicants (e.g., 4 people) specified per party is exceeded (S109).

Accordingly, if the number of mobile voucher applicants specified in the user's home has already exceeded (example of S109), the mobile voucher server 120 sends a message informing that mobile voucher application cannot be applied (e.g., notification that application is not possible due to exceeding the maximum number of mobile voucher applicants) is output through the user terminal 110 (S110).

Meanwhile, if the number of mobile voucher applicants designated in the user's home does not exceed the maximum number of applicants (No in S109), the mobile voucher server 120 checks whether a physical card (e.g. plastic card) voucher is held (S111) .

Accordingly, if a physical card (e.g., plastic card) voucher is already held (example of S111), the mobile voucher server 120 sends a mobile voucher application impossibility message (e.g., notification that application is not possible due to the user possessing a physical card voucher). ) is output through the user terminal 110 (S112).

Meanwhile, if the number of mobile voucher applicants designated in the user's home does not exceed the maximum number of applicants and the user does not have a physical card voucher (No in S111), the mobile voucher server 120 completes the mobile voucher application and Wait for approval (S113).

If approval is rejected by the administrator in the approval waiting state (No in S114), an approval rejection information screen is output through the user terminal 110 (S115), and if approved by the administrator in the approval waiting state (Yes in S114) ), a limit is given (S116), guidance on the given limit is performed (waiting for the use start date) (S117), and when the use start date elapses (example in S118), the mobile voucher use screen (i.e., mobile voucher home) is displayed to the user. It is output through the terminal 110 (S119).

FIG. 3 is a flowchart illustrating the process of using the issued mobile voucher in FIG. 1 at an offline store.

Referring to FIG. 3, the user runs a designated mobile app (e.g., bank app) on the user terminal 110 and uses a mobile voucher (i.e., payment) through a submenu (e.g., mobile voucher menu). You can apply.

In other words, a user who has already registered as a member of a business operator (e.g. a bank) that handles mobile voucher business must access the business operator's designated mobile app (e.g. a bank app) in order to apply for use (payment) of a mobile voucher. After logging in (example S201), if you select a submenu (e.g. mobile voucher menu) (S202), agree to provide information (S204), or if you have already completed consent to provide information (example S203), mobile voucher server (120) Access and proceed with the application process for mobile voucher use (payment) through the mobile web.

The mobile voucher server 120 checks whether the user has a mobile voucher (S205), based on the login information of the mobile app (App) (eg, bank app) designated by the business operator (eg, bank), and checks whether the user has a mobile voucher (S205). If the user does not have a mobile voucher (No in S205, proceed to the mobile voucher application process (S206) (see Figure 2).

Meanwhile, the mobile voucher server 120 checks whether the user holds a mobile voucher (S205), and if the user holds a mobile voucher (example in S205), the mobile voucher server 120 makes the mobile voucher payment from the user. A method (e.g., QR payment) is selected (S207), and a payment screen (e.g., QR code) for the selected method is displayed (S208).

Accordingly, when payment is made through a payment screen (e.g. QR code), the mobile voucher server 120 checks whether the voucher balance exists (S209), and if there is no voucher balance (No in S209), a balance message of 0 won is sent to the user. Print it on the terminal 110 (S210), and if there is a voucher balance (Yes in S209), check the payment details (S211). If not approved (No in S212), payment fails (S213), and if approved, the payment details are checked (S211). (Example of S212) Complete payment (S214).

Figure 4 is a flowchart for explaining the process of using a mobile voucher using a PC (Personal Computer) in an online shopping mall in Figure 1.

Referring to FIG. 4, the user accesses an online shopping mall (not shown, an online shopping mall operated by the shopping mall server 140) using a PC, orders items that can be paid with a voucher, and then uses a mobile voucher (or mobile card). (i.e. payment) can be applied for.

In other words, a user who has already registered as a member of an operator (e.g., a bank) that handles mobile voucher business accesses an online shopping mall (not shown) using a PC, orders items that can be paid with a voucher (S301 to S303), and then receives a mobile voucher. In order to apply for use (payment), apply for balance inquiry of the mobile voucher using a designated method (e.g. QR scan balance inquiry, or entering balance inquiry code) (S304, S305).

And after the user logs in to the designated mobile app (e.g. bank app) (example in S306) and selects a sub-menu (e.g. mobile voucher menu) (S307), if the user has already completed the consent to provide information (S308) Example), connect to the mobile voucher server 120 and proceed with the mobile voucher balance check process through the mobile web.

The mobile voucher server 120 checks whether the user has a mobile voucher (S309), based on the login information of the mobile app (App) (eg, bank app) designated by the business operator (eg, bank), and checks whether the user has a mobile voucher (S309). If the user does not have a mobile voucher (No in S309), the process proceeds to the mobile voucher application process (S310) (see Figure 2).

Meanwhile, the mobile voucher server 120 checks whether the user holds a mobile voucher (S309), and if the user holds a mobile voucher (example of S309), the mobile voucher server 120 scans the QR code from the user. Once the menu is selected (S311) and camera access permission is granted (example in S312), the QR code displayed on the online shopping mall (not shown) accessed using the PC is scanned or the balance inquiry code is entered (S313).

When the QR code is scanned or the balance inquiry code is entered, the mobile voucher server 120 checks the type of voucher required for the payment (S314), and if the user holds the voucher required for the payment (example in S315) , the voucher information and the balance of the voucher are checked (S316), and the balance of the voucher is delivered to the corresponding shopping mall server 140, so that it is displayed on the online shopping mall screen so that the user can check the balance (S318), and the shopping mall server 140 (140) automatically inputs the balance to be deducted (S319), completes the payment, and, if there is remaining amount to pay, allows setting a payment method for the remaining amount (S320).

Meanwhile, if the user does not have a mobile voucher (or mobile card), the user can check the balance of the voucher using the key-in inquiry method and make payment (S317).

Figure 5 is a flowchart for explaining the process of using a mobile voucher using a mobile app or mobile web in an online shopping mall in Figure 1.

Referring to FIG. 5, the user accesses an online shopping mall (not shown, an online shopping mall operated by the shopping mall server 140) using a mobile app (App) or mobile web (Web), orders items that can be paid with a voucher, and then , you can apply to use (i.e. make payment) a mobile voucher (or mobile card).

In other words, a user who has already registered as a member of a business operator (e.g. a bank) that handles mobile voucher business accesses an online shopping mall (not shown) using a mobile app or mobile web to purchase items that can be paid with vouchers. After ordering (S401 ~ S403), in order to apply for use (payment) of the mobile voucher, apply to check the balance of the mobile voucher in the submenu (S404, S405), and if permission to call the app is allowed (S406 example) , a designated mobile app (e.g., bank app) is called and automatically logged in to the mobile voucher server 120 in the background without user intervention (S407).

Accordingly, the mobile voucher server 120 exposes a screen while inquiring the mobile voucher balance to the user terminal 110 (S408), checks the type of voucher to be used (payment) (S409), and checks the type of voucher to be used (payment) (S409), and ), based on the login information of the designated mobile app (e.g., bank app), checks whether the user holds a mobile voucher (S410), and if the user holds the mobile voucher (example of S410) ), the mobile voucher server 120 checks the voucher information and the balance of the corresponding voucher (S412) and transmits the balance of the voucher to the corresponding shopping mall server 140, so that the online shopping mall app (App) of the user terminal 110 By displaying the balance of the voucher on the screen, the user can check the balance of the voucher (S414). In addition, the shopping mall server 140 automatically enters the balance to be deducted (S415), completes the payment, and, if so, the amount to be paid. If there is any remaining amount, a payment method for the remaining amount can be set (S416).

Meanwhile, if the user does not have a mobile voucher (or mobile card), the user can check the balance of the voucher using the key-in inquiry method and make payment (S413).

Figure 6 is a flowchart for explaining the process of using a mobile voucher by accessing an online shopping mall through a submenu in a designated app in Figure 1.

Referring to Figure 6, after the user runs the designated mobile app (e.g., bank app) of the business operator (e.g., bank) that handles mobile voucher work, the submenu (e.g., Life +> Nonghyup Mall) You can access an online shopping mall (not shown, an online shopping mall operated by the shopping mall server 140), order items that can be paid with a voucher, and then apply for use (i.e. payment) of a mobile voucher (or mobile card). .

In other words, a user who has already registered as a member of a business operator (e.g. bank) that handles mobile voucher business logs in to the mobile app (e.g. bank app) (example of S501) and then logs into the mobile app (e.g. bank app). When you select an online shopping mall (e.g., Life +> Nonghyup Mall) from the submenu (S502), you access the online shopping mall (not shown, an online shopping mall operated by the shopping mall server 140) through the mobile web (Web). After receiving consent to provide information (S503), log in to the shopping mall (S504).

After logging in by running the designated mobile app (e.g., bank app) as described above, the user who logs in to the online shopping mall (not shown) through the submenu (e.g., Life +> Nonghyup Mall) receives the voucher. After ordering a paymentable item (S505 ~ S507), in order to apply for use (payment) of the mobile voucher, if you apply to check the balance of the mobile voucher (S508, S509), you can use the already designated mobile app (e.g. bank app) ), so the mobile voucher server 120 immediately exposes the screen while inquiring the mobile voucher balance to the user terminal 110 (S510) without the need for an app calling permission grant process, and uses (payment) Check the type of voucher you wish to use (S511).

In addition, the mobile voucher server 120 checks whether the user has a mobile voucher based on the login information of the designated mobile app (e.g., bank app) of the corresponding operator (e.g., bank) (S512), If the user holds the mobile voucher (example in S512), the mobile voucher server 120 checks the voucher information and the balance of the voucher (S513) and transmits the balance of the voucher to the corresponding shopping mall server 140. By doing so, the balance of the voucher is displayed on the screen of the online shopping mall Web (Wep) of the user terminal 110, allowing the user to check the balance of the voucher (S515), and in addition, the shopping mall server 140 automatically calculates the balance to be deducted. Enter it (S516) to complete the payment, and if there is any remaining amount to pay, you can set a payment method for the remaining amount (S517).

Meanwhile, if the user does not have a mobile voucher (or mobile card), the user can check the balance of the voucher using the key-in inquiry method and make payment (S514).

Figure 7 is an example diagram showing a mobile voucher application screen through a user terminal in Figure 1.

Referring to Figure 7, when a user applies for a voucher by selecting one of the voucher tab menus (e.g., agricultural products, fruit snacks, milk) (e.g., agricultural products), the head of household information is entered in the corresponding voucher application screen, Enter applicant (head of household or household member) information, family information, and income information, and obtain consent for collection/use, provision/utilization, and joint use of personal information. At this time, the head of the household (or target student) is used as the key value for each voucher.

Figure 8 is an example diagram showing a screen for viewing and using a mobile voucher usage history through a user terminal in Figure 1.

Referring to Figure 8, the remaining period of the corresponding voucher, total limit, balance, QR code/barcode creation button for offline payment, recent usage history, and detailed information screen for each usage history are displayed.

Figure 9 is an example diagram showing the plastic card voucher usage details and balance inquiry screen through the user terminal in Figure 8.

Referring to Figure 9, when you input the plastic card voucher type, voucher number, and user name (e.g., student name or householder name) to check usage history and balance, the remaining period of the corresponding voucher and the total number are displayed, as shown on the right. The limit, balance, and recent usage details screen is displayed.

10 is an example of a viewing screen of voucher application details and usage details for each user who has agreed to provide information displayed on the administrator terminal in FIG. 1, and FIG. 11 is an example of a voucher approval or application for each user in FIG. 10, or This is an example of a viewing screen of approval rejection details.

Referring to Figures 10 and 11, the viewing screen of the voucher application details and usage details for each user who has agreed to provide information displayed on the administrator terminal includes the voucher type, date and time of consent to provide information, name and contact information of the applicant, device information, approval ( or application), application date, registration date, modification date, etc.

Meanwhile, although not shown in the drawing, the user terminal 110 checks whether the user holds a mobile voucher based on the login information of the designated mobile app of the business operator, and if the user holds a mobile voucher, , a mobile voucher payment method is selected from the user, and a payment screen for the selected method is output through the user terminal, and the mobile voucher server 120 holds the user's mobile voucher using user identification information as the login information. Verification and payment are processed, and the payment can be made by a limit deduction approval method within the balance range of the voucher identified by the household identification information included in the user.

In general, credit/check cards have one unique number (card number) per card, and even if it is a plastic voucher card, there is only one piece of identification information when one card is issued. Therefore, if there is only one voucher card per household, it is impossible for each family member to use the voucher at the same time.

Mobile voucher cards according to the present invention are issued for each individual and can be distinguished by personal identification information (ID). However, since the limit is shared per household, when actually used, the voucher server 120 verifies personal identification information and approves the limit deduction. In other words, there is one account on the voucher server, and the identification information (ID) of n family members is mapped to this account. That is, n pieces of user identification information are mapped to one household identification information. Therefore, multiple members can use their mobile vouchers at the same time.

At this time, if the user is classified as having difficulty using the mobile voucher due to a disability among members of the household corresponding to the household identification information according to the user identification information, other members of the same household corresponding to the household identification information A limit deduction may be approved to limit the range of voucher balances that can be used compared to members.

In this way, the present invention issues mobile vouchers for each individual, but provides an integrated limit per household. However, in the case of vulnerable households, there are many cases where family members are elderly or physically disabled, and in this case, there is a risk of abuse by a third party, so a means to prevent this is necessary.

Therefore, in the case of members of the household who are unlikely to use the voucher (e.g., people with physical disabilities), other members can differentially set the voucher usage limit.

In addition, when the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the user terminal 110, the mobile voucher server 120 stores the household identification information of the household to which the user belongs. If the household is determined to be a vulnerable household, if personal information consent information is received from the user terminal of the other member, mobile vouchers for the user and other members can be issued in batches.

It may be realistically difficult for vulnerable household members, such as the elderly or those with physical disabilities, to issue mobile vouchers. Additionally, plastic cards may be preferred over mobile methods.

One member of a vulnerable household may consider issuing vouchers on behalf of the remaining family members, that is, issuing them all at once. At this time, the remaining members' consent to provide personal information is an issue. This can be done by sending a URL for consent to provide personal information through a messenger (e.g. KakaoTalk, etc.) and once consent is completed, batch issuance can proceed.

At this time, plastic issuance can be requested for other members, and mobile issuance is also possible. In the case of mobile issuance, all you have to do is enter simple personal information through the URL sent to the member, and the remaining procedures are integrated.

As described above, in this embodiment, mobile vouchers can be issued non-face-to-face through a mobile app, and unlike existing credit/check cards, issuance is not made after real name and account verification, but through a user terminal (e.g. mobile phone). After verifying one's identity through , designating the address (jurisdiction) of the Happiness Center and applying for the target voucher, the public official in charge confirms eligibility through the administrator terminal, and mobile voucher issuance proceeds. At this time, the mobile voucher applicant is notified of the progress of each process through a notification service, and when the mobile voucher issuance is completed, it can be used immediately at the affiliated store.

In addition, in this embodiment, unlike the existing physical vouchers issued on an individual basis, specific vouchers are issued per household and do not specify the user, so the amount of voucher usage is shared per household and issued for the number of designated family members (e.g., 4 people). This becomes possible, and after issuance, each household member uses the issued mobile voucher, and it has the feature of being implemented so that the amount is deducted from the limit provided for the household unit of who used it.

Therefore, the mobile voucher according to the present invention improves customer convenience through non-face-to-face issuance while complying with the existing target selection/management process, increases the work efficiency of public officials in charge, eliminates the stigma that voucher service recipients may feel during the payment process, and provides plastic cards. It has the effect of reducing issuance costs.

The present invention has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those skilled in the art will recognize that various modifications and other equivalent embodiments are possible therefrom. You will understand. Therefore, the scope of technical protection of the present invention should be determined by the scope of the patent claims below. Implementations described herein may also be implemented as, for example, a method or process, device, software program, data stream, or signal. Although discussed only in the context of a single form of implementation (eg, only as a method), implementations of the features discussed may also be implemented in other forms (eg, devices or programs). The device may be implemented with appropriate hardware, software, firmware, etc. The method may be implemented in a device such as a processor, which generally refers to a processing device that includes a computer, microprocessor, integrated circuit, or programmable logic device. Processors also include communication devices such as computers, cell phones, portable/personal digital assistants (“PDAs”) and other devices that facilitate communication of information between end-users.

110: user terminal
120: Mobile voucher server
130: Administrator terminal
140: shopping mall server

Claims (20)

As a mobile voucher issuance and payment system,
Connected to the user terminal and the administrator terminal, it performs mobile voucher application and issuance processing, mobile voucher transaction and payment processing, mobile voucher limit management, mobile voucher user information management, and mobile voucher administrator information management, and is a shopping mall server. Including a mobile voucher server that processes mobile voucher transactions and payments in conjunction with,
The user terminal is,
Access the mobile voucher server through a mobile app (APP) or mobile web (WEB), apply for a mobile voucher and make a payment for the mobile voucher,
The manager terminal is,
By accessing the mobile voucher server, the voucher application details and usage details for each user who has agreed to provide information are viewed and the application is approved or rejected.
If the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the above user terminal,
The mobile voucher server,
If the household to which the user belongs is determined to be a vulnerable household based on the household identification information of the household to which the user belongs, and personal information provision consent information is received from the user terminal of another member of the household to which the user belongs, the user and other members Supports batch issuance of mobile vouchers,
The mobile voucher server,
When the user terminal is connected through the mobile app, based on the login information of the mobile app, it is checked whether the user has a mobile voucher. If the user does not have a mobile voucher, fill out and submit a mobile voucher application. When a mobile voucher application is submitted, the user can complete the mobile voucher application and receive approval from the administrator without exceeding the designated number of mobile voucher applicants per household, and if the user does not even have a physical card voucher. It is implemented as follows, and also,
The mobile voucher server,
If the number of mobile voucher applicants per household has already been exceeded, a message informing the user that application is not possible due to the excess number of mobile voucher applicants is printed through the user terminal, and a physical card voucher is issued even though the number of mobile voucher applicants per household has not been exceeded. If you already have one, a message informing you that you cannot apply due to holding a physical card voucher is displayed through the user terminal.
The mobile voucher server,
User identification information is used as login information to check whether the user has a mobile voucher and process payment, and the payment is identified by household identification information to which n pieces of user identification information are mapped, including the user identification information. Approval is made by deducting a limit within the scope of the voucher's balance, where n is a natural number,
In addition, if the user is classified by the user identification information as having difficulty using the mobile voucher due to a disability among the members of the household corresponding to the household identification information, the user may use the mobile voucher with other members of the same household corresponding to the household identification information. A mobile voucher issuance and payment system characterized in that limit deduction approval is made so that the balance range of vouchers that can be compared and used is limited.
As a mobile voucher issuance and payment method,
In order for a mobile voucher server connected to a user terminal and an administrator terminal to apply for a mobile voucher through a user terminal, a user who has already registered as a member of a business that handles mobile voucher work logs in to the business's designated mobile app, and then the user Selecting a mobile voucher menu that is a submenu of the mobile app from;
Checking whether the user has completed consent to provide information; and
When the consent to provide information is completed, allowing the user terminal to access the mobile voucher server through a mobile app and receive an application for issuance of a mobile voucher from the user through the mobile web; including,
The user terminal is,
Access the mobile voucher server through a mobile app (APP) or mobile web (WEB), apply for a mobile voucher and make a payment for the mobile voucher,
The manager terminal is,
By accessing the mobile voucher server, the voucher application details and usage details for each user who has agreed to provide information are viewed and the application is approved or rejected.
If the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the above user terminal,
The mobile voucher server,
If the household to which the user belongs is determined to be a vulnerable household based on the household identification information of the household to which the user belongs, and personal information provision consent information is received from the user terminal of another member of the household to which the user belongs, the user and other members Supports batch issuance of mobile vouchers,
The mobile voucher server,
When the user terminal is connected through the mobile app, based on the login information of the mobile app, it is checked whether the user has a mobile voucher. If the user does not have a mobile voucher, fill out and submit a mobile voucher application. When a mobile voucher application is submitted, the user can complete the mobile voucher application and receive approval from the administrator without exceeding the designated number of mobile voucher applicants per household, and if the user does not even have a physical card voucher. It is implemented as follows, and also,
The mobile voucher server,
If the number of mobile voucher applicants per household has already been exceeded, a message informing the user that application is not possible due to the excess number of mobile voucher applicants is printed through the user terminal, and a physical card voucher is issued even though the number of mobile voucher applicants per household has not been exceeded. If you already have one, a message informing you that you cannot apply due to holding a physical card voucher is displayed through the user terminal.
The mobile voucher server,
User identification information is used as login information to check whether the user has a mobile voucher and process payment, and the payment is identified by household identification information to which n pieces of user identification information are mapped, including the user identification information. Approval is made by deducting a limit within the scope of the voucher's balance, where n is a natural number,
In addition, if the user is classified by the user identification information as having difficulty using the mobile voucher due to a disability among the members of the household corresponding to the household identification information, the user may use the mobile voucher with other members of the same household corresponding to the household identification information. A mobile voucher issuance and payment method characterized in that a limit deduction is approved so that the balance range of the voucher that can be compared and used is limited.
As a mobile voucher issuance and payment method,
In order for the mobile voucher server, which is connected to the user terminal and the administrator terminal, to apply for the use of a mobile voucher through the user terminal, a user who has already registered as a member of a business that handles mobile voucher work logs in to the business's designated mobile app, Receiving a mobile voucher menu that is a sub-menu of the mobile app from the user;
Checking whether the user has completed consent to provide information; and
When the consent to provide information is completed, allowing the user terminal to access the mobile voucher server through a mobile app and receive an application for mobile voucher use or payment from the user through the mobile web; includes; However,
The user terminal is,
Access the mobile voucher server through a mobile app (APP) or mobile web (WEB), apply for a mobile voucher and make a payment for the mobile voucher,
The manager terminal is,
By accessing the mobile voucher server, the voucher application details and usage details for each user who has agreed to provide information are viewed and the application is approved or rejected.
If the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the above user terminal,
The mobile voucher server,
If the household to which the user belongs is determined to be a vulnerable household based on the household identification information of the household to which the user belongs, and personal information provision consent information is received from the user terminal of another member of the household to which the user belongs, the user and other members Supports batch issuance of mobile vouchers,
The mobile voucher server,
When the user terminal is connected through the mobile app, based on the login information of the mobile app, it is checked whether the user has a mobile voucher. If the user does not have a mobile voucher, fill out and submit a mobile voucher application. When a mobile voucher application is submitted, the user can complete the mobile voucher application and receive approval from the administrator without exceeding the designated number of mobile voucher applicants per household, and if the user does not even have a physical card voucher. It is implemented as follows, and also,
The mobile voucher server,
If the number of mobile voucher applicants per household has already been exceeded, a message informing the user that application is not possible due to the excess number of mobile voucher applicants is printed through the user terminal, and a physical card voucher is issued even though the number of mobile voucher applicants per household has not been exceeded. If you already have one, a message informing you that you cannot apply due to holding a physical card voucher is displayed through the user terminal.
The mobile voucher server,
User identification information is used as login information to check whether the user has a mobile voucher and process payment, and the payment is identified by household identification information to which n pieces of user identification information are mapped, including the user identification information. Approval is made by deducting a limit within the scope of the voucher's balance, where n is a natural number,
In addition, if the user is classified by the user identification information as having difficulty using the mobile voucher due to a disability among the members of the household corresponding to the household identification information, the user may use the mobile voucher with other members of the same household corresponding to the household identification information. A mobile voucher issuance and payment method characterized in that a limit deduction is approved so that the balance range of the voucher that can be compared and used is limited.
The method of claim 3, wherein when the user terminal connects to the mobile voucher server through a mobile app and makes payment through a payment screen output through the user terminal,
The mobile voucher server is a mobile voucher issuance and payment method characterized in that it checks whether there is a voucher balance, and if there is a voucher balance, approves the payment and completes the payment.
According to clause 4,
When a user accesses an online shopping mall using a PC, orders items eligible for voucher payment, and then applies for mobile voucher balance inquiry using a designated method in order to apply for use or payment of a mobile voucher,
The user terminal is,
If a user who has already registered as a member of a business that handles mobile voucher business logs in to the designated mobile app on the user terminal, selects the mobile voucher menu, which is a sub-menu, and agrees to provide information or has already completed the consent to provide information,
Connect to the mobile voucher server to check the mobile voucher balance, transfer the voucher balance from the mobile voucher server to the corresponding shopping mall server and display it on the online shopping mall screen, allowing the user to check the balance,
The shopping mall server,
A mobile voucher issuance and payment method characterized by being implemented to complete payment by automatically entering the balance to be deducted.
The method of claim 5, wherein in the step of connecting to the mobile voucher server and checking the mobile voucher balance,
The mobile voucher server,
Based on the login information of the business's designated mobile app, it is checked whether the user holds a mobile voucher. If the user holds a mobile voucher, the user selects the QR code scan menu and camera access permission is granted. Once done, scan the QR code displayed on the online shopping mall you accessed using your PC or enter the balance inquiry code.
Accordingly, when the QR code is scanned or the balance inquiry code is entered, the type of voucher required for the payment is checked, and if the user holds a voucher required for the payment, the voucher information and the balance of the voucher are checked and sent to the shopping mall server. A mobile voucher issuance and payment method, characterized in that it is implemented to deliver.
As a mobile voucher issuance and payment method,
The user accesses the online shopping mall using the mobile app or mobile web on the user's terminal, orders items that can be paid with a voucher, and then applies for mobile voucher balance inquiry in the submenu to apply for use or payment of the mobile voucher and also applies to the app. If calling permission is granted,
The user terminal calls a designated mobile app and automatically logs in to the mobile voucher server in the background without user intervention; and
The mobile voucher server displays a mobile voucher balance inquiry screen on the user terminal, confirms the type of voucher to be used or paid for, and provides the user's mobile voucher based on the login information of the designated mobile app of the business operator. By checking possession, and if the user holds the mobile voucher, the voucher information and the balance of the voucher are checked, the balance of the voucher is transmitted to the shopping mall server and displayed on the online shopping mall screen, so that the user can check the balance Including a step of enabling confirmation,
The shopping mall server is implemented to automatically enter the balance to be deducted and complete the payment,
The user terminal is,
Access the mobile voucher server through a mobile app (APP) or mobile web (WEB), apply for a mobile voucher and make a payment for the mobile voucher,
If the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the above user terminal,
The mobile voucher server,
If the household to which the user belongs is determined to be a vulnerable household based on the household identification information of the household to which the user belongs, and personal information provision consent information is received from the user terminal of another member of the household to which the user belongs, the user and other members Supports batch issuance of mobile vouchers,
The mobile voucher server,
When the user terminal is connected through the mobile app, based on the login information of the mobile app, it is checked whether the user has a mobile voucher. If the user does not have a mobile voucher, fill out and submit a mobile voucher application. When a mobile voucher application is submitted, the user can complete the mobile voucher application and receive approval from the administrator without exceeding the designated number of mobile voucher applicants per household, and if the user does not even have a physical card voucher. It is implemented as follows, and also,
The mobile voucher server,
If the number of mobile voucher applicants per household has already been exceeded, a message informing the user that application is not possible due to the excess number of mobile voucher applicants is printed through the user terminal, and a physical card voucher is issued even though the number of mobile voucher applicants per household has not been exceeded. If you already have one, a message informing you that you cannot apply due to holding a physical card voucher is displayed through the user terminal.
The mobile voucher server,
User identification information is used as login information to check whether the user has a mobile voucher and process payment, and the payment is identified by household identification information to which n pieces of user identification information are mapped, including the user identification information. Approval is made by deducting a limit within the scope of the voucher's balance, where n is a natural number,
In addition, if the user is classified by the user identification information as having difficulty using the mobile voucher due to a disability among the members of the household corresponding to the household identification information, the user may use the mobile voucher with other members of the same household corresponding to the household identification information. A mobile voucher issuance and payment method characterized in that a limit deduction is approved so that the balance range of the voucher that can be compared and used is limited.
As a mobile voucher issuance and payment method,
After the user logs in to the designated mobile app on the user terminal, selects an online shopping mall from the submenu of the mobile app, logs in, orders items eligible for voucher payment at the online shopping mall, and then applies for use or payment of a mobile voucher. , when applying to check the balance of a mobile voucher at an online shopping mall,
The user terminal directly connects to the mobile voucher server without the need for an app call permission granting process; and
The mobile voucher server displays a screen while inquiring mobile voucher balance on the user terminal, confirms the type of voucher to be used or paid for, and provides the user's mobile voucher based on the login information of the designated mobile app of the business operator. By checking possession, and if the user holds the mobile voucher, the voucher information and the balance of the voucher are checked, the balance of the voucher is transmitted to the shopping mall server and displayed on the online shopping mall screen, so that the user can check the balance Including a step of enabling confirmation,
The shopping mall server is implemented to automatically enter the balance to be deducted and complete the payment,
The user terminal is,
Access the mobile voucher server through a mobile app (APP) or mobile web (WEB), apply for a mobile voucher and make a payment for the mobile voucher,
If the user collectively applies for mobile vouchers for other members of the household to which the user belongs through the above user terminal,
The mobile voucher server,
If the household to which the user belongs is determined to be a vulnerable household based on the household identification information of the household to which the user belongs, and personal information provision consent information is received from the user terminal of another member of the household to which the user belongs, the user and other members Supports batch issuance of mobile vouchers,
The mobile voucher server,
When the user terminal is connected through the mobile app, based on the login information of the mobile app, it is checked whether the user has a mobile voucher. If the user does not have a mobile voucher, fill out and submit a mobile voucher application. When a mobile voucher application is submitted, the user can complete the mobile voucher application and receive approval from the administrator without exceeding the designated number of mobile voucher applicants per household, and if the user does not even have a physical card voucher. It is implemented as follows, and also,
The mobile voucher server,
If the number of mobile voucher applicants per household has already been exceeded, a message informing the user that application is not possible due to the excess number of mobile voucher applicants is printed through the user terminal, and a physical card voucher is issued even though the number of mobile voucher applicants per household has not been exceeded. If you already have one, a message informing you that you cannot apply due to holding a physical card voucher is displayed through the user terminal.
The mobile voucher server,
User identification information is used as login information to check whether the user has a mobile voucher and process payment, and the payment is identified by household identification information to which n pieces of user identification information are mapped, including the user identification information. Approval is made by deducting a limit within the scope of the voucher's balance, where n is a natural number,
In addition, if the user is classified by the user identification information as having difficulty using the mobile voucher due to a disability among the members of the household corresponding to the household identification information, the user may use the mobile voucher with other members of the same household corresponding to the household identification information. A mobile voucher issuance and payment method characterized in that a limit deduction is approved so that the balance range of the voucher that can be compared and used is limited. delete delete delete delete delete delete delete delete delete delete delete delete

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