KR20010008158A - Credit gift ticket management method based on credit card system - Google Patents

Abstract

PURPOSE: An exchange ticket card operation method is provided to prevent the exchange ticket card from a forgery so that it can satisfy the ticket card issuer, the card company, member stores and consumers. CONSTITUTION: An exchange ticket card operation method comprises the steps of the ticket card issuer accepting order information including selected data on the exchange ticket card, the ticket card issuer making the exchange ticket card of a credit card number type according to the order information, the card company receiving issue information read from the exchange ticket card, the card company checking if the ticket card is forged or altered by using the issue information and customer data, the card company performing a reference on the exchange ticket card, the card company transmitting an approval message if the reference is normal, member stores processes a payment for a commodity or a service if the approval message is transmitted, and the member stores transmitting payment request on the approved exchange ticket card.

Description

Credit gift ticket management method based on credit card system}

The present invention relates to a method for operating a card voucher, and more particularly, to a method for operating a card voucher based on a credit card system.

In Korea, the gift certificate market is over 3 trillion won annually, and its size is continuously increasing. However, according to the conventional method of operating a gift certificate, there is a problem that the distribution range of the gift certificate is limited. For example, department stores, petrol and shoe store vouchers can only be used at the issuers and very few affiliated stores, or for books, cultural vouchers, CMS coupons, etc., only at hundreds to thousands of partners. In addition, there are restrictions on payment methods for gift certificates and coupons. In addition, some Internet gift vouchers can purchase a personal credit card, but most of the existing vouchers such as department stores, gasoline can be purchased only by cash or corporate card, so purchase using a personal credit card has become a lot of restrictions. Moreover, small gift vouchers have a high risk of tax evasion due to the preference for cash sales. In addition, it is difficult to purchase a gift certificate using various points accumulated in the personal credit card due to the restriction on the use of the personal credit card.

In addition, the conventional gift certificate management method has a problem that the distribution path is limited. Most existing gift certificates can be purchased on the Internet, but the e-commerce payment function is insignificant, and some e-commerce gift certificates can only be used on specific affiliated sites. I can't. In addition, the voucher issued according to the conventional voucher management method has a payment function according to the purchase of goods or services, but there is no other additional functions, so the functions that can be used are limited. In addition, in the case of the customized gift certificate currently in operation, there are differentiation factors such as design, issuance amount, designation of usage in distribution merchants recruited by the issuer, and message sending, but it is difficult to grant high-level additional functions such as discount or point accumulation. There is a problem that is difficult.

In addition, according to the conventional method for operating a gift certificate, in the case of existing gift certificates and coupons, the process from issuance to distribution is not managed by a consistent system, and there is a problem that there is no consumer compensation standard for loss or theft.

In addition, the vouchers issued according to the conventional voucher management method is made in the form of paper vouchers and coupons, at this time to prevent forgery and alteration through special design and printing, but due to the development of related technologies such as computer design, printing, copying For general consumers without expertise, it is virtually difficult to verify forgery, and even in gift vouchers, objective and scientific forgery is difficult due to the lack of a computerized system for issuance and distribution. In addition, the voucher issued according to the conventional voucher management method is issued information such as the issuance number, the issued amount, the usage method and the affiliated retailer, but there is a problem that the convenience of the voucher payment is not promoted.

In addition, various electronic money, which can be said to be similar to a gift certificate, cannot be secured as a gift to another person, which is a main function of the gift certificate, because a transaction is performed by the user's ID and password. In addition, distribution of vouchers and payment of e-commerce using mobile communication such as mobile phones are not made due to the incompatibility of existing voucher issuance systems and inadequate related systems.

In addition, the conventional voucher service method has a problem that it is inconvenient to pay vouchers and coupon distribution. In other words, most existing gift voucher retailers collect vouchers received by consumers and present them to the issuer to settle the voucher distribution price by receiving the relevant amount excluding voucher distribution fees. Due to the lack of computerized results, the financial industry is inconvenient, and there is a risk of tax evasion, such as reduced sales.

In addition, the conventional gift certificate service method has a problem in that it is inconvenient to process the refund of the gift certificate and coupon. In other words, if the customer requests a refund after using more than 60% (80% or less of 10,000 won) of the issuance amount under the standard gift voucher, the system will provide a refund. In the case of department store and shoe store vouchers, there have been cases of accusations of refunds on gift vouchers, such as requiring the purchase of other products in balance. In addition, the conventional voucher service method has a problem in receiving a report and compensation processing when the voucher and coupon lost, stolen or damaged.

A prepaid card operation method has been proposed that can solve the above problems. However, the prepaid card issued according to the prepaid card operating method as described above may be used limited to a specific business to which a prepaid card contract is concluded, such as an existing cultural gift certificate, and it is inconvenient to require a separate terminal for prepaid card approval. There is this. In addition, the prepaid card issued according to the prepaid card operating method as described above has a problem that it is difficult to compensate for loss or theft as the existing gift certificate.

The technical problem to be achieved by the present invention is to issue a new voucher and coupon to compensate for the consumer protection and forgery risk, and to provide a card voucher operating method that can be satisfied with the issuer (card company), merchants, consumers.

1 is a block diagram showing the structure of a card voucher operating system that issuing a card voucher issuing preceded by the method for operating a card voucher according to the present invention.

2 is a flowchart illustrating main steps for issuing a card voucher in the method for operating a card voucher according to an embodiment of the present invention performed in the card voucher operating system of FIG. 1.

3 is a flowchart showing the main steps for a member to order a card voucher.

4 is a flowchart showing detailed steps of generating gift certificate issuance information data.

5A and 5B are diagrams showing examples of a user interface screen for card voucher order.

6A and 6B are diagrams for explaining examples of a production form of a card gift certificate.

7A and 7B are diagrams for explaining an example of generating an issue number of a card number type gift certificate.

8 is a block diagram showing the structure of a card voucher management system is performed according to the present invention.

FIG. 9 is a flowchart illustrating main steps of a card gift certificate operating method according to an embodiment of the present invention performed in the card gift certificate operating system of FIG. 8.

10 is a flowchart illustrating a refund processing process for a card voucher issued according to the method for operating a card voucher according to the present invention.

11 is a flowchart illustrating a lost, stolen, forgery / falsification report, and inquiry process for a card voucher issued according to the method for operating a card voucher according to the present invention.

12 is a flowchart illustrating a procedure for granting and confirming a password for each gift certificate for a card gift certificate issued according to the method for operating a card gift certificate according to the present invention.

In order to achieve the above object, a card gift certificate operating method according to the present invention comprises the steps of: (a) receiving order information including selection information on a card gift certificate to be issued from a customer computer; And (b) producing a card voucher logicalized by a card number method as a card number type card voucher according to the received order information and sending the card voucher to a customer.

In addition, the card gift certificate operating method includes the steps of: (c) receiving issuance information read from the card gift certificate; (d) using the customer information stored in the customer database and the issued issue number to check whether the voucher is lost or forged; (e) performing a gift voucher inquiry if the presented gift voucher is identified as not being lost or forged; And (f) identifying whether the gift certificate inquiry is normally approved and sending an approval message if it is normally approved.

In addition, the card gift certificate operating method (g) the merchant checks the approval message, outputting the approval sales slip and payment processing of goods / services; (h) receiving a payment request from a card company server by sending a payment request for a card voucher at the merchant; (i) checking whether the merchant is normal and the payment terms if the payment request is received; (j) if the affiliated store is checked to be in a normal state, paying the price according to the specified payment condition.

In addition, the step (b), (b-1) generating a gift certificate issuance information data based on the order information; And (b-2) generating issuance information including the card number type gift certificate issuance number using the generated gift certificate issuance information data.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating a structure of a card voucher management system in which issuance of a card voucher is performed in a method of operating a card voucher according to the present invention. In addition, FIG. 2 is a flowchart illustrating main steps for issuing a card voucher in the card voucher operating method according to the embodiment of the present invention performed in the card voucher operating system of FIG. 1.

Referring to FIG. 1, a card gift certificate operating system in which a card gift certificate operating method according to the present invention is performed includes a gift certificate issuer server 10. The gift certificate issuer server 10 is connected to the communication network 12. The communication network 12 may be various communication networks such as, for example, the Internet, an intranet, or an ARS network. In addition, a customer computer 14 may be connected to the communication network 12. In addition, the gift certificate issuer server 10 includes a gift certificate sales management unit 102 and a gift certificate issue unit 104. The gift certificate issuer server 10 also includes a customer database 106 and an authentication database 108.

The operation of the card voucher management system as described above will be described. First, gift voucher application data is received from the customer computer (step 202). FIG. 3 is a flowchart illustrating main steps for a member to order a card voucher in the method for operating a card voucher according to the present invention, and FIG. 4 is a flowchart illustrating the detailed steps of generating the voucher issuance information data 206. . 5A and 5B show examples of a user interface screen for card voucher order. 5A and 5B are often referenced below.

Referring to FIG. 3, first, the card company server 10 sends a web page for a customer to order a card voucher through the communication network 12, and the sent web page is displayed on the screen of the customer computer 14 so that the customer Card (coupon) gift certificate selection menu is provided. In the card (coupon) gift certificate selection menu 50 displayed on the screen of the customer computer 14, the customer selects the issued amount and number of card gift certificates (step 302). For example, in the present embodiment, 50,000 won, 100,000 won, and 500,000 won can be selected from the check box 502 for selecting the issuance amount and the purchase amount of a flat-rate pass, and the number of issues issued for each amount can be selected. In addition, the issue amount and the number of purchases may be selected in the selection box 504 for selecting the issue amount and the number of the purchaser request right, which can be arbitrarily determined by the customer.

Next, in the card (coupon) gift certificate selection menu 50, there is a check box 506 for selecting a gift certificate design, and the member selects an icon marked "Go to the design selection menu" provided in the check box 506. Click to go to a menu (not shown) for selecting a gift certificate design. In the menu for selecting a gift certificate design, a customer can select a design that he / she wants to be issued from a plurality of sample designs. In this way, the customer selects the design of the gift certificate he wants to be issued (step 304).

In addition, a card (coupon) gift certificate selection menu 50 includes a selection box 507 for selecting a gift certificate production type, and a member clicks on a selection button provided in the selection box 507 to form a paper magnetic strip MS. ) Select a type of gift certificate to be issued from among the gift certificate, the plastic magnetic stripe (MS) gift certificate, the rechargeable IC gift certificate, and the electronic money gift certificate (step 306).

6A and 6B are diagrams for explaining examples of the production form of the card gift certificate. 6A corresponds to an example of a department store card type gift certificate, and FIG. 6B corresponds to an example of a business card type gift certificate. 6A and 6B, the department store card type gift certificate 60 and the business card type gift certificate 62 include magnetic strips 602 and 622 and barcodes 604 and 624, respectively.

In addition, a card (coupon) gift certificate selection menu 50 includes a check box 508 for selecting a range of use of the gift certificate, and a member clicks on a select button provided in the check box 508 to select a domestic card merchant or a domestic card. From the card merchant and the e-commerce combined, the domestic / overseas card merchant and the e-commerce combined, it selects the range of use of the gift certificate to be issued (step 308).

When the customer clicks on the "Next" icon 510 to specify different selection conditions, the type of card gift certificate he wishes to issue in the other card (coupon) gift certificate selection menu 52 is displayed on the screen of the customer computer 14. Continue to select.

On the other hand, the customer may be issued by selecting the type of gift certificate (step 310). That is, the card (coupon) gift certificate selection menu 52 includes a selection box 522 for selecting a type of gift certificate, and a member can select an optional model name by clicking a selection button provided in the selection box 522. have. For example, the card voucher identified by the optional model name "SG00" is a general card voucher without additional service, and the card voucher identified by the optional model name "SE01" is a Samsung Electronics 5% point reserve affiliated gift certificate. The card vouchers classified as "LG01" are affiliated vouchers that pay 20 won per L of LJ Oil and lottery lottery tickets based on the approval number of the lottery ticket.The vouchers for e-commerce are classified with the optional model name "EG01". This is an off-line gift certificate, and the card gift certificate identified by the optional model name "EG02" is a gift certificate for e-commerce including mobile internet transactions as well as a general PC. It is possible to grant In other words, it is possible to secure an e-commerce payment function of gift certificates using mobile communication such as the Internet and mobile phones.

In addition, the customer can enter the password of the gift certificate (step 312). That is, in the card (coupon) gift certificate selection menu 52, there is a check box 524 for selecting a password input method of the gift certificate, and the member clicks on a selection icon provided in the select box 524 to keep the secret of the gift certificate. Move to a menu (not shown) for entering a number. In the menu (not shown) for inputting the password of the gift certificate, the menu is divided into a menu (not shown) for specifying the same password for all gift certificates and a menu (not shown) for inputting passwords for individual gift certificates, respectively. It is possible to enter the same password of the gift certificate or to input the password of each individual gift certificate respectively. When entering a password, it is equipped with a function to automatically check the serial number that can be easily predicted such as 0000, 1234, and 6789, and a simple password that can be easily recognized by others such as its own social security number and phone number. It is more preferable to increase the prevention of theft and forgery. However, it is more preferable that the issuer assigns and confirms the password for each gift certificate by restricting the issuer to use it in advance for the purpose of distribution of the gift certificate.

It is also possible for the customer to select a payment method (step 314). That is, a check box 526 for selecting a payment method is provided in the card (coupon) gift certificate selection menu 52, and a member can select a payment method by clicking a selection button provided in the select box 526. For example, a customer may choose how he wishes to pay among cash, credit card, and electronic money. At this time, when purchasing with a credit card or electronic money, the card company and the electronic money issuer approve the process based on the main card (electronic money) information such as the corresponding card number, password and expiration date. In the case of a cash purchaser, it is more preferable to perform separate purchaser personal information management. On the other hand, due to the nature of the gift function of gift certificates, anonymous purchases are very difficult to verify the fact of accident sales, so the purchaser of a cash purchaser should be purchased with a real name to ensure normal compensation in the event of accident sales due to the loss, theft, or the appearance of counterfeit gift certificates. For example, it is more preferable to receive and manage management information including a name, social security number, telephone number, address, and the like. For example, when the contents data is calculated or inputted through the Internet, when the purchase application is confirmed (enter), the purchase information is computed and reflected on the card company server 10 in charge of issuing the card voucher in real time, and the card voucher issuing service is performed. . At this time, it is more preferable that the card company stores and manages the business code of the gift voucher seller, personal information, password, and sales details for each seller in the sales management system to increase the safety of the card voucher distribution and prevent money accidents in advance. In addition, the user simply selects whether to pay the purchase price and purchase the real name (with or without loss compensation service) during the purchase application process, so that the user can immediately select the desired voucher among the vouchers issued from the card voucher store and immediately purchase it. More preferred.

Next, the customer has a check box 528 for selecting a payment method in the card (coupon) gift certificate selection menu 52, and the member moves to a menu for inputting shipping information by clicking the check box 528. do. In the menu for entering the delivery information, the customer enters the delivery information including the address for receiving the card voucher (step 316).

Finally, when the selection of the card voucher that he / she wishes to issue in the card (coupon) gift certificate selection menu 52 is completed, the customer transmits the order by clicking the order completion icon 530 (step 318).

Next, according to the order information received by the card company server 10, the gift certificate issuing unit 104 analyzes 204 gift certificate purchase application data and generates gift certificate issue information data (step 206). Referring to Fig. 4, for example, data indicating the voucher issuance date and expiration date is generated (step 402), and the issued information is generated using the generated data, including the card number voucher issuance number (step 404). do. 7A and 7B are diagrams for explaining an example of generating an issue number of a card number type gift certificate. FIG. 7A illustrates a gift certificate issued number for use of a worldwide VISA member store and all domestic merchants, and FIG. 7B illustrates a gift certificate generation number for a use of a worldwide MASTER member store.

Referring to FIG. 7A, the number area referred to as 702 corresponds to a vehicle identification number (VIN) or a PRE-FIX area and corresponds to a unique number for each card company. Visa card method gives the first 6 digits. Local cards that can only be used in Korea are the first six digits. In order for the card vouchers to be used at Visa domestic and overseas franchisees and domestic franchisees, a new VIN approval can be obtained at the Visa head office in advance, or an existing card company can use the VIN. This is only possible with credit card companies that are pre-affiliated with Visa. Next, the number area referred to as 704 is an area for classifying a gift certificate or coupon issuance type. For example, a voucher with a password may be assigned as "0" and a voucher without a password as "1". In addition, a coupon with a password may be assigned as "6", a coupon without a password as "7", and the like. Next, the number area referred to by 706 is an area for recording serial numbers. That is, it is possible to assign serial numbers according to the date of issue and the order of issue. Next, the number area referred to as 708 is an area for distinguishing the gift certificate issuance history. For example, it is possible to assign “0” for the first issue, “1” for the lost reissue, “2” for theft reissue, “3” for the reissue, and “4” for the second reissue. Next, the number area referred to as 710 is an area for recording the anti-counterfeiting random number table.

Referring now to FIG. 7B, the number area referred to as 722 is a vehicle identification number (VIN) or PRE-FIX area, and a unique number for each card company is recorded, and the master card has given the first five digits. You can get a new VIN approval from the master headquarters in advance, or you can use that VIN. This is only possible with card companies that have been affiliated with the Master in advance. Next, the numbered areas referred to as 724, 726, 728, and 730 are the same as the numbered areas 704, 706, 708, and 710 described with reference to FIG. 7A, respectively.

Now, the card company's gift certificate production system 10a generates a card gift certificate according to the order information received by the card company server 10 and sends it to the customer (step 208). At this time, the gift certificate sales management unit 102 in the card company server 10 inputs and reflects the consumer purchase information. In addition, the consumer purchase information is computerized and reflected by the gift certificate issuing unit 104, the main issue information data is automatically generated computerized. Next, the main issue information data generated in the card company server 10 is transmitted to the gift certificate issuance information production system 10a, and the gift certificate issue information production system 10a is a card gift certificate through a card gift certificate production process including an embossing operation. Produce a card voucher to the user by making a. In this way, a card voucher is issued to the customers. That is, according to the card voucher production method selected by the customer (design, issuance amount, voucher production method, gift voucher type, etc.), in the gift voucher production system 10a, the transmitted data is computerized and reflected in the production system, and the voucher is embossed and production is completed. do. At this time, the main information of the card voucher, the card number type voucher issuance number, expiration date, issuance date, amount issued, voucher type code, password (indicated as 0000 if not available), etc. It is embedded in a barcode or IC chip and attached to a paper or plastic gift certificate to produce a card gift certificate that can be used by all credit card merchants. The consumer can use the card voucher after checking whether the voucher selected by the user is correct. The card voucher may be a department store voucher card voucher, or may be a business card type voucher.

As described above, if the voucher issuing number is logiced by the card number method, it is possible to secure the computerization and electronic commerce functions of the voucher distribution and refining industry. In addition to the production of gift cards and coupons in the form of plastic cards, IC chips, and magnetic cards, in the production of paper gift certificates and coupons, it is possible to apply the barcode or magnetic strip embedded with the above issued information to computerize the distribution of gift certificates and industry. Can be increased. In addition, according to the method for operating a card gift certificate according to the present invention, it can be utilized as a payment means of electronic commerce of gift certificates and coupons. For example, in the case of credit cards, e-commerce payment functions are recognized at all domestic and overseas shopping malls. Logic number logic of gift certificates and coupons is logiced by the credit card number method, and key issue information (issue number, expiration date, By attaching a barcode or magnetic strip with embedded issuance amount, password, and date of issue to a gift certificate (coupon), and developing the operating system of the gift certificate in the same way as a credit card, even in the case of gift certificates and coupons, the same e-commerce Secure the function. In addition, by applying the rapidly developing mobile communication device and mobile e-commerce technology, the gift voucher function can be secured as a mobile e-commerce means by transferring major gift certificate information and gift certificate images from the issuer to the mobile communication device of the consumer. Can be.

8 is a block diagram illustrating a structure of a card gift certificate operating system in which a method of operating a card gift certificate according to the present invention is performed.

Referring to FIG. 8, a card gift certificate operating system in which a method of operating a card gift certificate according to the present invention includes a card company server 80. In addition, the card company server 80 is a gift certificate sales management unit 802, gift certificate issuing unit 804, customer database 806, approval database 808, gift certificate approval unit 810, gift certificate pre-registration unit 812, additional gift certificate The management unit 814, the loss / forgery management unit 816, and the merchant management / settlement unit 818. The card company server 80 is also connected to the communication network 82. On the other hand, the affiliated store server 84a is connected to the communication network 82. Alternatively, the merchant terminal 84a may be connected to the VAN company server 84b, and the VAN company server 86 may be connected to the card company server 80 through the communication network 82. In addition, the customer computer 87 and the gift certificate charging station server 88 are connected to the card company server 80 through the communication network 82. 9 is a flowchart illustrating main steps of a method for operating a card gift certificate according to an embodiment of the present invention performed in the card gift certificate operating system of FIG. 8. 9 is often referenced below.

Referring to Figure 8, the operation of the card gift certificate operating system is performed card voucher operating method according to the present invention. The gift certificate sales management unit 802 and the gift certificate issuing unit 804 provided in the card company server 80 are substantially the same as the card company server 10 that issued the gift certificate card and the card company server 80 that operates the issued gift card. The operation is illustrated for the sake of illustration, and the operation thereof is the same as that of the gift certificate sales management unit 102 and the gift certificate issuing unit 104 described with reference to FIG. First, when a customer holding a card voucher presents a card voucher issued according to the method described with reference to FIG. 1 to use and pay the card merchant, the card merchant sends the presented card voucher to the merchant terminal 84b. By inquiring, issuance information read from the card gift certificate is sent to the VAN company server (step 902). Alternatively, it is also possible to apply for an inquiry by entering the card number presented by the customer and the social security number of the customer directly at the merchant server 84a. Next, the card company server 80 receives the issuance information through the VAN company server 86 and the communication network 82 (step 904).

The loss / forgery management unit 816 checks whether the gift certificate is lost or forged using the customer information stored in the customer database and the issued issue number (step 906). If the gift certificate presented in step 906 is identified as not being lost or forged, the gift certificate approval unit 810 performs a gift certificate inquiry (step 908). In addition, the gift certificate approval unit 810 identifies whether the gift certificate inquiry result has been normally approved in step 908, and sends an approval message if it is normally approved (step 912). In addition, the approval status is stored in the approval database 808.

Next, the merchant checks the approval message, outputs the approved sales slip and pays the goods / service (step 914). Next, the affiliated store sends the request for payment of the card gift certificate, so that the card company server 10 receives the request for payment (step 916). Merchants can request payment to card companies through the submission of computerized data or sales slips based on the voucher sales slip. Next, when the payment request is received, the merchant management / settlement unit 818 checks whether the merchant is normal and the payment condition (step 917), and if the merchant is checked to be in a normal state, pays the payment according to the specified payment condition. (Step 918). That is, in step 917, the merchant voucher sales history and whether the merchant is normal, and the merchant payment conditions such as merchant fee, bonus point fee, account number, payment cycle, etc. In 918, payment is made using firm banking to the merchant account according to the specified conditions.

8, it is shown that the voucher charging station server 88 is connected to the communication network 82. Such a connected IC chip may be used in the case of issuing a rechargeable gift certificate. As shown in the example of traffic cards currently in circulation, a card merchant with a separate terminal device with a charging function or a separate issuer-designated place pays the amount to be charged with cash or credit card and requests the recharge. By using a terminal with a charging function, the value of the gift certificate can be recharged after recharging within the range of the issue amount (limit) set by the purchaser of the rechargeable gift certificate. Such rechargeable gift cards may be used as a means of giving gifts or allowances to family members rather than for general gifts.

Next, the additional gift certificate management unit 814 processes the lottery and prize payment event and notifies the customer computer 87 of the processing result (step 920). This service is provided when the card voucher presented by the customer is identified as an additional voucher with additional service functions such as lottery draw, sweepstakes, discounts, and points earning. Apply through ARS or the internet network, or perform additional service through the lottery and prize draw automatically at a certain point after sale for a certain period of time.In the case of discounts and points, etc. After the normal use approval of the gift certificate, it is possible to provide the corresponding service of the additional gift certificate to the consumer in a way that reflects the data considering the discount and the points accumulated. In this case, the customer can also make purchases by utilizing various points accumulated on the personal credit card, thereby increasing the convenience of the consumer. In addition, it is possible to purchase gift certificates and coupons through the use of various points of the credit card held by the credit card member. This means that a consumer with a certain level of credit card points goes to a merchant who can purchase points designated by a card company (or an issuer affiliated with a card company) and indicates that he / she wants to purchase vouchers and coupons with points. The purchaser purchases a gift certificate through points by requesting approval of the purchase of a gift certificate through points in a promised manner, and notifying the relevant point affiliate store of the approval message data after checking whether the purchase is possible using the points. These points earning services can be credited and used by the credit card company's point earning system to earn the points to the first buyer, rather than the holder of the gift card. It can be decided by consultation. In the case of discount service, the distributor provides the service immediately by requesting the card company to approve the discounted amount in advance, and the card company charges the normal sales amount and the card company balances the gift certificate. Both methods can be used to deduct the discount amount and reflect the calculation.

Next, the affiliated store management / settlement unit 818 calculates the cost according to the result of the lottery and event processing. On the other hand, when the gift certificate inquiry is not normally approved in step 910 by sending a rejection message (step 530) it is possible to prevent the use of the lost or stolen card.

10 is a flowchart illustrating a refund processing process for a card voucher issued according to the method for operating a card voucher according to the present invention. According to the method for operating a card voucher according to the present invention, the purchaser of the gift voucher or the holder who received it as a gift from the voucher can use the wired / wireless telephone, ARS, or the Internet to refund the voucher settlement system of the voucher issuer or the authorized card company. You can request this directly or through your retailer, for example through a card merchant. That is, when a refund request for the remaining balance is sent through the card merchant server 84a, the card company server 80 receives the refund request (step 1002). A request for a refund may be made by entering data in the sales segment with a pre-defined refund authorization code (eg “99”). In the case of a normal approval request, enter the number of months for which the installment is “1” in the sales section.

When the refund request is received, the card company server 80 identifies the refund suitability (step 1004) to identify whether the refund can be approved (step 1006). For example, the conditions for approval of refunds can be set to be refundable when 60% of gift vouchers over 10,000 won are used and 80% or less for 10,000 won or less. In addition, during the refund approval process, computerized checks for lost, stolen, and forged gift certificates. If it is identified in step 1006 that the refund can be approved, a refund approval message is sent (step 1008), and a refund processing is performed (step 1010). Refund processing is based on the card issuer or issuer originally promised by referring to the key issuance information for the card voucher or coupon that requested the refund and the customer's information stored in the customer database 806 when the card voucher or coupon consumer requests the refund directly. It is possible to remit the refund to the account of the party requesting the refund in accordance with the refund criteria. In addition, if a refund request is made through a merchant, the distributor refunds the consumer immediately in cash after receiving the refund request, and if the refund amount is charged to the issuer or card company, the issuer (card company) It is possible to settle the refund amount according to the same method and standard. In this case, since the merchant has processed a refund to the customer, the merchant sends a payment request to the card company for the refund. The payment request may be sent through the merchant server 84a. As a result, the card company server 80 receives the payment request for the refund price (step 1012). Upon receipt of a request for payment for the refunded amount, the merchant management / settlement unit 818 checks whether the merchant is normal and the refund criteria (step 1014), and pays the refunded amount (step 1016). Merchant fees for refunds may be determined separately by the issuer (card company). Now, the card company server 1018 suspends use of the gift certificate (step 1018) and stores its contents in the authorization database 808. On the other hand, if it is identified in step 1006 that the refund cannot be approved, then a refund message is sent (step 1020) to not process the refund.

11 is a flowchart illustrating a lost, stolen, damaged, forgery / falsification report, and inquiry process for a card voucher issued according to the method for operating a card voucher according to the present invention.

First, if a lost, stolen, forgery / falsification report, and inquiry are received through the merchant server 84a, the merchant terminal 84b, and the customer computer 87 (step 1102), the buyer information is checked and then lost, stolen, or damaged. , File a forgery / falsification report (step 1104). Receiving through step 1104 preferably includes the step of confirming the location and time of the lost (theft) of the gift certificate, issuance information such as the gift certificate issuance number, or the social security number, name and the like of the buyer of the gift certificate. Next, if the loss / forgery management unit 816 receives a lost, stolen, damaged, forgery / forgery report, and performs a discontinuation process for the gift certificate (step 1106). In other words, the report details are reflected in the computerized system, and the use of the gift certificate is immediately and automatically stopped. Next, when the inquiry is received, a message indicating whether the receipt number and the corresponding gift certificate is normal is sent (step 1108). Next, the card company server 80 processes the loss compensation or reissue according to the compensation or reissue criteria and methods when the gift certificate is lost, stolen or damaged (step 1110).

That is, according to the above method, after the buyer or holder of the gift certificate and the coupon recognizes the loss or theft, apply for the gift card loss, theft, damage, forgery report and inquiry to the gift certificate issuer (card company) using the Internet or ARS network. do. Internet or ARS report reception through the system should be operated 24 hours a day, 365 days, it is more preferable to prepare for a system failure by having a plurality of systems. The issuer can discontinue the use of the gift voucher immediately upon receipt of the report and compensate the consumer for damages according to the previously agreed compensation standards and procedures. Reissues resulting from the breakage of gift certificates and coupons can also be reissued in accordance with the above criteria and procedures for reissue of damages. According to the card voucher operation method as described above, by applying the system for receiving credit card loss, damage report, card reissuance, compensation processing system, by receiving the report, compensation processing, reissue system for loss, theft, damage of the gift card and coupon There is an advantage in that it can reasonably compensate consumers' damage and increase their rights.

12 is a flowchart illustrating a procedure for granting and verifying a password for each gift certificate for a card gift certificate issued according to the method for operating a card gift certificate according to the present invention. The service according to FIG. 12 corresponds to a case where a gift certificate having a buyer-specified password is provided (step 1202). First, a request for approval to use a gift certificate is received from a purchaser or a holder of a gift certificate (1204). Next, the gift certificate use approval is processed according to the received approval request (step 1206). Next, if the gift certificate use approval is normally processed in step 1206, an approval message is transmitted (step 1208). Here, before the approval request is received from the customer in the gift certificate pre-registration unit 812, the approval of use of the gift certificate should be automatically blocked in all affiliate stores. In the case of following these procedures, the gift voucher purchaser or holder may use the voucher after registering the preemptive approval based on the password of the voucher. In this case, in order to increase the safety of the use of gift certificates, it is also possible for consumers (buyers or holders) to connect to the pre-registration system and request an approval for use.

As described above, according to the method of operating a card gift certificate based on a credit card system according to the present invention, it is possible to distribute a gift certificate at a general credit card and a point crediting merchant. It is also possible to distribute gift certificates using the Internet, mobile phones, and ARS phones. In addition, the gift card payment and refund system using a card merchant payment system, etc. is operated. In addition, a gift certificate and coupon sales system utilizing various points is operated. In addition, it is possible to operate an affiliated gift certificate (coupon) issuance and distribution system to which additional service functions such as discount and point accumulation are granted. In addition, gift vouchers and coupons can be lost, stolen, damaged report and compensation processing system can be operated. In addition, it is possible to operate a gift certificate and coupon forgery and alteration prevention system. In addition, it is possible to operate a voucher and coupon issuing system with a barcode and a magnetic stripe (MS), a rechargeable voucher issuing system using an IC chip, and a card number voucher issuing number assignment and management system.

In addition, according to the card gift certificate operating method based on the credit card system according to the present invention described above, it is possible to prevent the forgery / falsification of the gift certificate and coupon. The card voucher operating method according to the present invention utilizes credit card issuance and limit approval, loss report, accident sales prevention system, etc. as well as prevention of forgery / falsification in gift voucher and coupon design and printing technique. In the system that can immediately check whether the forgery of the gift certificate and coupon using the ARS, the Internet can be checked for forgery / modulation of the gift certificate and the coupon, the counterfeiting effect can be enhanced.

In addition, the card gift certificate operating method according to the present invention as described above can be improved in the method of producing a gift certificate and coupon. For example, in the conventional paper voucher making process, barcodes or magnetic strips containing key issuance information such as the issue amount, issue number, expiration date, password, and issue date of the gift certificate can be attached to facilitate the payment of the gift certificate. It can increase the counterfeit prevention effect. Alternatively, the card voucher operating method according to the present invention can increase the convenience of using the voucher and reduce resources by producing a rechargeable voucher using the IC chip, such as a traffic card.

In addition, according to the card gift certificate operating method according to the present invention as described above, it is possible to expand the distribution range of the gift certificate and coupon. Currently, card merchants are rapidly expanding in accordance with the government's policy of activating credit card use. Currently, the number of merchants by card companies exceeds 1 million points per card company.The scope of distribution is increased by operating gift certificates (coupons) that can be used at card merchants. It can be greatly expanded. In addition, by using the card company's point affiliate store, it is possible to provide a variety of value-added services such as points, discounts, prizes, lotteries, etc. in addition to purchasing goods and services using gift certificates and coupons. In addition, according to the method for operating a card voucher according to the present invention, issuing and operating a gift certificate and coupon based on the credit card method, including the use authorization by the card number, and payment settlement, etc. It is effective to secure.

In addition, according to the method for operating a card gift certificate according to the present invention, since it is possible to easily utilize the recently developed mobile Internet function in addition to the offline affiliated banks, affiliated merchants, Internet sales method that is a general distribution path of the conventional gift certificates and coupons. Pioneer new mobile sales channels.

In addition, according to the method for operating a card voucher according to the present invention, discounts on purchase of goods or services at stores determined by the production of a gift certificate and coupon separately contracted through a separate partnership between the issuer of the gift certificate / coupon and the production and sales of the product or service. It is possible to secure various value-added service functions such as points, points, lotteries and sweepstakes.

In addition, the card vouchers issued according to the card voucher operating method according to the present invention for the purpose of distribution in the credit card merchants that are rapidly increasing throughout the country, currently merchant card fees and payments between credit card companies and merchants using credit cards As contracts and related systems for the period, payment standards and methods are developed and operated, the gift certificates are produced and issued by applying the card-type distribution and payment methods, and the contract conditions for the distribution of gift certificates apply the same criteria as when using the card. Therefore, it is possible to distribute gift certificates and coupons at a credit card merchant without a separate contract.

Also, in general, when a credit card merchant charges a card company for the use of a card based on the credit card sales slip or the card sales data used by the card member, the card company contracts the amount of the merchant fee that is contracted with the merchant in advance. According to the method and the standard used to transfer the card payment to the contracted bank account of the merchant after the computer check, according to the card voucher operating method according to the present invention carried out based on the credit card system, credit card sales settlement It is possible to computerize the payment settlement of gift certificates and coupons using the same method and system.

In addition, according to the card voucher operating method according to the present invention, since the credit card system is based on the voucher issuance number, issuance amount, expiration date, issue date, password, etc. When a retailer asks a card company for approval of a gift certificate or checks whether a refund is a normal gift certificate, it can prevent accidents due to forgery and alteration. In addition, it is possible to increase the distribution safety of gift certificates by using a system for inquiring and guiding whether consumers or merchants have lost, stolen or forged gift certificates using wired / wireless phones, ARS, or the Internet in advance.

In addition, according to the card voucher operating method as described above, the issuer of the voucher and coupons through the affiliate voucher contract with a specific producer and distributor to provide a partnership voucher that includes additional service functions such as discounts or points accumulation, lottery tickets and sweepstakes Issuance can promote voucher distribution and increase profits.

In addition, the card voucher operating method according to the present invention as described above allows to issue and operate a new concept gift certificate and coupon based on the credit card merchant and operating system (limit approval, loss report, payment of the merchant fee, etc.). The card vouchers issued according to the above method can be used in the card merchants that are distributed in a large scale, ensuring the best versatility and convenience, credit card limit approval, telephone / Internet cash service, merchant payment, card loss The best distribution convenience and safety can be secured by using the reporting and compensation system. In addition, it is possible to freely settle e-commerce payments in shopping malls around the world, rather than in some affiliated shopping malls, by way of managing card number type gift certificate issuance systems and granting passwords for each gift certificate.

In addition, according to the method for operating a card gift certificate according to the present invention, merchants settle separately the gift certificates and coupons separately developed by the issuer (card company) using ARS, wired / wireless telephones, the Internet, and a card approval terminal in the same manner as when the credit card is approved. Gift vouchers and coupons can be distributed by way of system approval. For reference, the implementation of the project can be carried out both in a joint manner through a comprehensive business alliance between the gift card issuer and the card company which is the owner of card vouchers and coupons, and by the card company as an issuer. In addition, the sale of card vouchers and coupons can be as convenient as possible through separate partnerships with credit card branches, banks, branches, department stores, gas stations, convenience stores, etc.

In addition, the card gift certificate operating method according to the present invention as described above can be written as a program executed in a personal or server-class computer. Program codes and code segments constituting the program can be easily inferred by computer programmers in the art. The program may also be stored in a computer readable recording medium. The recording medium includes a magnetic recording medium, an optical recording medium, and a propagation medium.

As described above, according to the present invention, a new gift certificate and a coupon that compensate for consumer protection and forgery risk and the like are issued, and an issuer or a card company, an affiliated store, and a card gift certificate operating method which can be satisfied together by a consumer are provided.

Claims (30)

(a) receiving order information including selection information about a card voucher to be issued from a customer computer; And (b) producing a card voucher logicalized by the card number method as a card number type card voucher according to the received order information and sending it to a customer; operating a card voucher based on a credit card system, comprising: Way. The method of claim 1, (c) receiving issuance information read from the card voucher; (d) using the customer information stored in the customer database and the issued issue number to check whether the voucher is lost or forged; (e) performing a gift voucher inquiry if the presented gift voucher is identified as not being lost or forged; And (f) identifying whether the gift certificate inquiry is normally approved and if the approval is normal, sending an approval message. The method of operating a card gift certificate based on a credit card system further comprising. The method of claim 2, (g) the merchant checking the approval message, outputting the approved sales slip and paying the goods / service; (h) receiving a payment request from a card company server by sending a payment request for a card voucher at the merchant; (i) checking whether the merchant is normal and the payment terms if the payment request is received; (j) if the merchant is checked to be in a normal state, the payment step according to the specified payment conditions; further comprising a credit card system based card gift certificate operating method. According to claim 1, wherein step (b), (b-1) generating gift certificate issuance information data based on the order information; And (b-2) generating issuance information including a card number voucher issuance number using the generated gift certificate issuance information data; and a method of operating a card gift certificate based on a credit card system. The method of claim 4, wherein the gift certificate issuance information data, A method of operating a card voucher based on a credit card system, comprising data indicating a voucher issuance date and an expiration date. The method of claim 1, wherein before step (a), (pa-1) providing a card voucher selection menu to the customer; the card voucher operating method based on the credit card system further comprising. The method of claim 1, wherein the selection information, A method of operating a card voucher based on a credit card system, characterized by including information on the amount and number of cards issued. The method of claim 1, wherein the selection information, A method of operating a card gift certificate based on a credit card system, comprising information on the design of the gift certificate that the customer wants to be issued. The method of claim 1, wherein the selection information, A method of operating a card gift certificate based on a credit card system, comprising information on an issuance amount arbitrarily determined by a customer and the number of issuances of a gift certificate of a predetermined amount. The method of claim 1, wherein the selection information, The selection information may be a general card voucher without additional services, a point- earning affiliate voucher for a particular merchant, an affiliate voucher for paying a prize after the lottery lottery based on a gift voucher approval number, and an off-line combined gift voucher with a gift voucher. As a gift card for e-commerce including mobile internet transactions as well as general PCs, it is based on a credit card system that includes information on the type of gift certificate desired by a customer from an on-line gift certificate. How to operate one card voucher. The method of claim 1, wherein the selection information, A method of operating a card voucher based on a credit card system, characterized in that it includes information on the scope of use of the voucher to be issued. The method of claim 1, wherein the selection information, A method of operating a card gift certificate based on a credit card system, characterized by including information on the type of gift certificate production. The method of claim 12, wherein the gift certificate production form, A method of operating a card voucher based on a credit card system, which is selected from a paper magnetic stripe (MS) voucher, a plastic magnetic stripe (MS) voucher, a rechargeable IC voucher, and an electronic money voucher. The card voucher of claim 1, wherein A method of operating a card voucher based on a credit card system, characterized in that it is a department store card type gift card or a business card type gift card including a magnetic stripe and a barcode. The method of claim 2, wherein before step (c), (c-1) a member entering a password of a gift certificate; the method of operating a card gift certificate based on a credit card system further comprising. 16. The card voucher operating method according to claim 15, wherein the procedure for assigning and verifying a password for each voucher is limited to the issuer in advance for use of a specific e-commerce in terms of distribution of the voucher. The method of claim 1, wherein the selection information, A method of operating a card gift certificate based on a credit card system, comprising selecting information on a payment method. 18. The card gift certificate operation based on a credit card system according to claim 17, wherein when cash is selected as the selection information, management information including at least a name, a resident number, a phone number, an address, and the like is received and managed. Way. The method of claim 1, And receiving shipping information including an address for receiving a card voucher. The method of operating a card voucher based on a credit card system further comprising a. The card voucher of claim 1, wherein Card vouchers based on the credit card system, comprising a number field of the credit card to secure computerization and electronic commerce functions of the gift certificate distribution and refining industry, and a number field to distinguish the types of gift vouchers or coupons. Operating method. The card voucher of claim 1, wherein In order to secure the computerization and electronic commerce functions of gift voucher distribution and industrial affairs, the credit card issuance category is divided into at least the first issue, the lost reissue, theft reissue, the damaged reissue, and the second lost reissue. A card gift certificate operating method based on a credit card system, characterized in that it comprises a number area. The method of claim 1, wherein the number area, A method of operating a card voucher based on a credit card system, comprising a number field divided into a voucher with a password and a voucher without a password. The method of claim 1, The method of operating a card gift certificate based on a credit card system, further comprising the step of: producing a card gift certificate through a card voucher production process including an embossing operation according to the received order information. The card voucher of claim 1, wherein Card number type gift card issue number, expiration date, issue date, issued amount, voucher type code, password, etc., which are the main information of the card voucher, are magnetic strips and / or paper or plastic vouchers embedded in a barcode or IC chip. How to operate a card voucher based on a credit card system. The card voucher of claim 1, wherein A method of operating a card gift certificate based on a credit card system, wherein the issued information is stored in a barcode or magnetic stripe. The method of claim 25, wherein after step (f), (f-1) storing the approval status in the approval database. The method of operating a card gift certificate based on a credit card system, further comprising. The method of claim 26, wherein step (i) is (i-1) computer-checking the merchant voucher sales history and whether the merchant is normal, and the merchant payment conditions such as merchant fee, bonus point fee, account number, and payment cycle; And (i-2) if it is checked that there is no other abnormality in the step (i-1), the step of paying the fee using the firm banking to the merchant account according to the specified condition; How to operate a card voucher based on. The method of claim 1, And processing the lottery and prize payment event and notifying the processing result to the customer computer. The method of claim 1, Identifying whether the card gift voucher presented by the customer is an additional gift voucher having an additional service function such as a lottery draw, a sweepstakes draw, a discount, or earning points; And The member applies the gift certificate approval number to the lottery and prize lottery event through ARS or Internet network, or executes additional services through the corresponding lottery and prize lottery automatically at a certain point after sale for a certain period of time; Card voucher management method based on the credit card system. The method of claim 29, Computing the cost according to the result of the lottery and event processing.