KR20010084975A - A real time coupon/mileage service system using bio-information and electronic payment. - Google Patents

Abstract

PURPOSE: A real time coupon and mileage service method and system is provided to manage a coupon and a mileage service over a wired and a wireless network by using a real time user approval based on biometrical data so that it can prevent a robbery of a coupon and a mileage and enhance an efficiency in managing the coupon and the mileage. CONSTITUTION: The method comprises the steps of a user inputting biometrical data via a biometrical data sensing terminal installed at a member store system(110), the member store system transmitting the input biometrical data to a biometrical data system(210), the biometrical data system approving the user by using registered biometrical data(620), a main server enabling the user to subscribe for a member by registering the biometrical data and personal data at the biometrical data system and a member management system in the case that the user is not a member(220), the main server accumulating a coupon or a mileage at a coupon/mileage management system(810), the main server transmitting the accumulated result to the member store system(230), the main server checking if the user uses the accumulated coupon or mileage(820), the coupon/mileage management system processing the usage of the accumulated coupon of mileage and transmitting the process specifications to the member store system(821,822), the member store system displaying the transmitted data(240), the main server transmitting the credit card data to a corresponding card company, requesting a payment, receiving the payment result from the card company and transmitting the processed result to the member store system in the case that the user pays for a service or a commodity with a credit card(510,520,530).

Description

Method and system for providing real-time coupon / mileage service using bio information and electronic payment. {A real time coupon / mileage service system using bio-information and electronic payment.}

The present invention relates to a service and a system for allowing coupons and mileage points to be accumulated and used in real time using bio information (biometric information using fingerprints, irises, and gates) in wired and wireless networks. Membership and bio-information are transferred to the membership management system and bio-information management system when the member is registered as a mileage issuing company, and the customer purchases or uses the service at the merchants such as supermarkets, discount stores, restaurants, etc. If a coupon / mileage point provided according to the occurrence occurs, the merchant system transmits the consumer's bio information and coupon / mileage related information to the bio information management system and coupon / mileage management system, and the future payment by the consumer to purchase goods What you want to earn with coupons / miles When the merchant system transmits the consumer's bio information and the request for using coupon / mileage to the bio information management system and the coupon / mileage management system, the bio information management system receiving the bio information performs consumer authentication and the coupon / mileage management system. The merchant processes the received coupon / mileage request and transmits each result, and if the consumer requires payment of the credit card (including the electronic money card) and the coupon / mileage in parallel, the merchant system electronically pays the credit card information. By sending to the system to perform the payment approval request, the coupon / mileage use request is sent to the coupon / mileage management system, each system to send the request result to the merchant system, the consumer of coupon / mileage collection / management inconvenience and personal information Prevention of spills, coupon / mileage point theft, etc. In addition, the present invention relates to a real-time coupon / mileage management system using bio-information based on wired and wireless networks that allow innovative reduction and omission of the multi-step process of coupon / mileage issuance and collection of coupons / mileage management operators.

In general, offline coupon / mileage service collects and reassembles coupons corresponding to the corresponding coupons / mileages and sends them to a designated collection point, and coupons / mileage operators collect them and collect coupons / mileage points through self-organization. The accumulated coupons / miles require substantial sealing and huge costs before they can be used by consumers.

In addition, the consumer needs a membership card, ID, password, etc. issued by a business operator who proves that the user is a valid user to use the coupon / mileage. If this is not done, the consumer cannot use the accumulated coupon / mileage points. Are always at risk of being stolen by

Therefore, the present invention is to solve the problems as described above through the real-time consumer authentication using bio-information based on wired and wireless network, rather than the manual earning coupon / mileage point earning method that was made between the consumer and the operator by the existing output. To prevent coupon / mileage theft and to efficiently provide real-time coupon / mileage earning and use, operators are to provide services and systems for efficient membership and coupon / mileage management.

1 is a whole service and system block configuration for providing a coupon / mileage service using bio information in the wired or wireless network of the present invention

Figure 2 is a flow chart for the coupon / mileage points earning and use using bioinformation, and complex payment using a credit card according to an embodiment of the present invention

3 is a flowchart illustrating an electronic payment using a coupon / mileage point and a credit card using a wireless terminal device according to an exemplary embodiment of the present invention.

4 is a flowchart in which a consumer inquires a coupon / mileage usage history and a merchant inquires a settlement result for the details sold by the coupon / mileage according to an embodiment of the present invention.

In order to achieve the above object, the present invention recognizes the bio information of the consumer (biometric information using a fingerprint, iris, glottal, etc.) and transmits this information together with the coupon / mileage information that the consumer intends to accumulate or earn. A merchant system that can receive results, a bioinformation management system to confirm that the consumer is a legitimate user using the bioinformation and send the results to the merchant system, and a coupon / mileage that can be used to earn coupons / mileage points for the consumer Coupon / mileage management system to manage the degree and usage, electronic transmission of payment request and authorization results by credit card including coupon / mileage at the consumer's choice for payment of goods purchased or services provided Payment system, consumers do their own earned coupons / do Inquiry system to check the mileage and the merchant to check the settlement of the amount sold by the coupon / mileage, a member management system that stores and manages information related to consumers and merchants, and a bioinformation terminal is not provided at the merchant It is composed of a wireless terminal device for directly requesting a coupon / mileage use request or a credit card payment by a consumer.

Hereinafter, an embodiment of a real-time coupon / mileage management service and system using bio information on a wired / wireless network background according to the present invention will be described.

1 is a block diagram of a configuration and system for providing a real-time coupon / mileage service according to an embodiment of the present invention.

When the consumer 10 visits the affiliated store 20 and purchases a product or uses a service, the affiliated store 20 detects the bioinformation detected by using the bioinformation recognizer 100 (biometric information using a fingerprint, an iris, or a gate). And coupon / mileage related information provided by the affiliated store 20 is transmitted to the real-time coupon / mileage system 50 using the affiliated store system 200.

At this time, the consumer 10 who is not registered as a member of the coupon / mileage issuing company 60 may register directly in the field using the bio information recognizer 100 and the merchant system 200 in the affiliate store 20. The bio information and the membership registration information transmitted using the affiliate system 200 are stored in the bio information management system 600 and the member management system 700 in the real-time coupon / mileage system 50, respectively, and stored in the future. It is used to verify the justification of 10).

In the real-time coupon / mileage system 50, consumer authentication in the bio management system 600 using the bio information transmitted using the wired network 30, such as the Internet, public telephone network (PSTN), data communication network (X.25), etc. And earn the corresponding coupon / mileage points in the coupon / mileage management system 800.

On the other hand, in the affiliated store 20, which is not provided with the bio information recognizer 100, the coupon / mileage information is transmitted to the coupon / mileage system 50 by using the wireless terminal device 300 of the consumer such as an ID, a password, and a merchant number. When the coupon / mileage related information is transmitted through the wireless network 40 using the information, the coupon / mileage management system 800 accumulates the corresponding coupon / mileage points.

The coupon / mileage history accumulated in the coupon / mileage management system 800 is notified to the coupon / mileage issuer 60, and the coupon / mileage issuer 60 is the appropriate method (DM, email, SMS) requested by the consumer 10. You will be notified of coupon / mileage details.

The consumer 10 notified of the coupon / mileage details may use the coupon / mileage point as a payment method for purchasing a product or using a service in the affiliated store 20, and the merchant 20 stores the bio information and the coupon / mileage of the consumer. When the payment history information using the points is transmitted to the coupon / mileage system 50, the biometric information management system 600 in the coupon / mileage system 50 is used to authenticate the consumer, and the coupon / mileage management system 800 is executed. Payment processing using the corresponding coupon / mileage is used to transmit the payment result to the merchant system 200 located in the affiliate store 20 so that the merchant 20 owner and the consumer 10 can check the payment result.

The consumer 10 wants to pay using only the coupon / mileage points, but because the points are not enough, she wants to pay as much as the amount of the card (credit card and electronic money card), or at the convenience of the consumer 10 and the coupon / mileage points. In the case of requesting a complex payment using a card at the same time, payment for the coupon / mileage point follows the above method, and the payment by the card extracts only the card information from the coupon / mileage management system 800 and the electronic payment system 500 ) To make a payment.

The electronic payment system 500 interoperates with a financial institution (card company, electronic money issuer) to request payment, and transmits the result to the merchant system 200 to transmit the result to the merchant 20 and the consumer 10. Check at the same time.

On the other hand, when you want to pay by using the coupon / mileage and the card for the cost of purchasing goods or services in the merchant that is not equipped with the bio information recognizer 100, the coupon / mileage point and The card information is transmitted, and the result of the payment (compliance with the above process) is transmitted to the terminal 300 of the consumer 10 and the system 200 of the affiliated store 20 so that they can be immediately and simultaneously checked in the field.

The consumer 10 and the affiliated store 20 may use the inquiry system 400 to query the settlement details and the card usage history of coupons / mileage points that have been traded so far, and the consumer 10 and the affiliated store 20 Using a system (personal computer, etc.) that you have, you can query using a wired network 30 such as the Internet, a public telephone network, a data communication network, etc. If there is no such wired based system, the wireless terminal device 300 is used. You can inquire.

The merchant 20 requests the coupon / mileage issuer 60 for a settlement amount based on the settlement result for the service sold or provided using the coupon / mileage point, and the coupon / mileage issuer 60 is the merchant 20. Pay the amount settled on

FIG. 2 is a flowchart illustrating a coupon / mileage accumulation, use, and a credit card payment using bio information (biometric information using a fingerprint, an iris, and a gate) according to an embodiment of the present invention. If the bio information is input 110, the affiliate system 200 transmits the bio information and the coupon / mileage information 210. The bioinformation system 600 that receives the bioinformation and the coupon / mileage information (610) verifies whether the user is a legitimate user using the bioinformation (620). If there is no corresponding information in the bioinformation system 600 as a result of the verification, the bioinformation management system 600 and the member management system are performed using the bioinformation recognizer 100 and the affiliated store system 200 by registering as a new member. The bio information and member information is registered at 700.

If it matches by bio information, it is determined whether to earn or use coupon / mileage (630) if the credit is earned coupon / mileage in the coupon / mileage management system 800 (810) and the result of the merchant system And transmits (811) to (200). The affiliated store system 200 displays 230 a result received from the display unit.

In the case of using the coupon / mileage, it is determined whether the payment is made using the coupon / mileage and the credit card at the same time (820). When only the coupon / mileage is used, the coupon / mileage management system 800 processes the coupon / mileage usage history 821 and transmits the use result information such as the degree of use of the coupon / mileage and the balance level (822). The affiliated store system 200 displays 240 the received result on the display unit. When a complex payment is required using a credit card, the electronic payment system 500 transmits the card information to the corresponding card company (510) using the card information transmitted from the merchant system 200 to request payment. The approval result is received 520. The received result is stored in the electronic payment system 500 and the approval result is transmitted to the affiliated store system 200 (530). The affiliated store system 200 displays 250 the received result on the display unit.

3 is a flowchart illustrating an electronic payment using a wireless terminal device according to an embodiment of the present invention. If a merchant does not have a bioinformation reader 100, a product is purchased using a coupon / mileage and a credit card. You can pay. First, the consumer owns and inputs an ID and password 310 to the wireless terminal device 300 and inputs payment information using a coupon / mileage and a credit card 320. When the input information is transmitted 330 as described above, the member management system 700 verifies whether the ID and the password match 710. In addition, if the member management system 700 determines the complex payment (720) to use only back-money coupon / mileage management system 800 processes the coupon / mileage usage history (821) and the use of coupon / mileage Usage result information such as accuracy, balance, etc. is transmitted to the merchant system 200 and the wireless terminal device (823). The affiliated store system 200 and the wireless terminal device 300 display the results received on the display unit (240, 340). When a complex payment is required using a credit card, the electronic payment system 500 transmits the card information to the corresponding card company (510) using the card information transmitted from the merchant system 200 to request payment. The approval result is received 520. The received result is stored in the electronic payment system 500 and the approval result is transmitted 540 to the affiliated store system 200 and the wireless terminal device 300. The affiliated store system 200 and the wireless terminal device 300 display the received results on the display unit 250 or 350.

4 is a flowchart in which a consumer inquires the coupon / mileage usage history and inquires the settlement result for the details sold by the merchant and the coupon / mileage, and the wireless terminal 300 and the consumer in the merchant. The member management system 700 accesses the inquiry system 400 using the affiliated store system 200 and other devices, inputs an ID and a password 410, and the member management system 700 verifies whether the ID / password matches the input ID / password 730. . Only for the verified ID, the member management system 700 determines 740 the consumer and the affiliated store. In the case of a merchant, the coupon / mileage management system 800 setstles 830 the amount of money sold by the coupon / mileage and sends the result to the inquiry system 400 (831). The received result is displayed 420.

In the case of the consumer, it is determined by using the inquiry information 430 whether the information to be queried is coupon / mileage or a credit card (440). In the case of coupon / mileage inquiry, the coupon / mileage management system 800 performs settlement 840 for coupon / mileage for each individual consumer and transmits the settlement details to the inquiry system 400 (841). 400 displays the result 450. In the case of card usage history inquiry, the electronic payment system 500 organizes the credit card usage history (550) and transmits the usage history to the inquiry system 400 (560), and the inquiry system 400 displays the result ( 460).

As described above, the present invention is a real-time coupon / mileage management service and system based on wired and wireless networks, and the bio-information that a person has uniquely does not need a separate authentication procedure for the consumer to use the coupon / mileage. By performing authentication in real time using the coupon, the coupon / mileage can be conveniently used regardless of the location of the consumer. In addition, coupon / mileage issuing operators can reduce the cost of collecting and accumulating, and at the same time can provide a variety of services using bio information.

Claims (12)

You can use coupons and mileage points to collect coupons and mileage points using bio-information, and use the points and cards to perform complex payments. Real-time coupon / mileage service and system The method of claim 1, wherein the recognized bio information is transmitted using a wired network such as the Internet, a public telephone network (PSTN), a data communication network (X.25), and the like, and the validity of the consumer is verified using the received information. Authenticating Services and their Systems The service and the system of claim 1, wherein the coupon / mileage point is transmitted using the affiliate system, the received coupon / mileage point is accumulated, and the payment request for the purchase of goods and the use of the service using the coupon / mileage are provided. According to claim 1, Complex payment service and system using coupons / mileage points and cards (credit card, electronic money card) according to consumer needs The method according to claim 1, wherein the coupons and mileage details earned and used and the coupons / mileages sold or provided by the coupons / miles are searched using the devices (personal computers, etc.) available in the wired network at consumers and affiliated stores, and as a result, Services and their systems The service and system of claim 1, wherein the account and the details of the accumulation and use of coupons / mileage points and the details of the sale or service provided as coupons / mileage points at the merchants are provided, and the settlement results are provided to the coupon / mileage issuer. The method according to claim 1 or 3, wherein if the affiliate store is not equipped with a bioinformation reader, a coupon / mileage point is requested by using the consumer wireless terminal device, and the result is transferred to the consumer wireless terminal device and the merchant system. Services and systems that allow you to check the results by sending The method according to claim 1 or 4, wherein the multiple payment request using a coupon / mileage point and a card (credit card, electronic money card) and a result are transmitted to the consumer wireless terminal device and the merchant system using the consumer wireless terminal device. Service and its system The wireless inquiry service according to claim 1 and 5, wherein when the coupon / mileage history cannot be inquired in a wired network, the coupon / mileage details can be inquired by using a wireless terminal device held by a consumer or a merchant. system 8. A method according to claim 1, 2, 3, 4, 7 for processing user verification and payment request using bio information and coupon / mileage related information. 9. A method according to claim 1, 8, and a series of data and processing procedures for complex payment processing using coupon / mileage information and card information. Method according to claim 1, 5, 6, 9, for a series of data and processing procedures for inquiry of coupon / mileage related information of consumers and merchants