KR20010090098A - Method and system for a withdrawal processing and a coin saving using a portable radiophone - Google Patents

Abstract

PURPOSE: A system and method for accumulating a small change and processing payment is provided to open an account of the small change through a service center and make up the sum according to the small change accumulation by inputting a cellular phone number through a terminal connected with the service center in a member store when a client requests the accumulation of the small change and performing the accumulation of the small change through an approved wireless terminal. CONSTITUTION: A service center(100) of a service provider is connected with a public wireless communication network and constructs a database of a small change account of a client. A member store(200) has a terminal connected with the service center(100) through the wireless communication network and transmits cellular phone information of the client through the terminal for accumulating an amount of the small change according to the buying of goods in a small change account of the client authenticated from the service center(100). A wireless terminal(300) of the client is connected with the service center(100) to open the account of the small change, confirms the amount of the small change accumulated through a small change account database, and performs a settlement using an amount of accumulated money. A data center(400) of a mobile communication company receives information of the wireless terminal(300) transmitted and received to the service center(100) and approves a user authentication.

Description

Change and system for a withdrawal processing and method using a wireless terminal {method and system for a withdrawal processing and a coin saving using a portable radiophone}

The present invention relates to a system and method for depositing change and withdrawal of accumulated change using a wireless terminal in a wireless communication network. More specifically, a customer who purchases a predetermined item at a merchant checks the balance of the purchase amount When requesting the confirmation of the changed change, each merchant stores the change using the service center through the customer's wireless terminal, and the customer checks the amount of change made through the wireless terminal from time to time and purchases another product using the accumulated change. By setting up a customer's change account through a service center and making a change of money using wireless communication terminal according to the small amount of cash payment at each affiliated store, it is possible to make a settlement of cash or communication fee or cash the accumulated amount. A wireless terminal that allows the withdrawal and use of reserves after the period is hardened. Yonghan relates to a penny earned and withdrawal processing system and method.

Created by APPANET, the military's Defense Advanced Research Projects Agency (DARPA) for efficient information sharing for military purposes, the Internet (INTERNET) is evolving and is currently being deployed worldwide in mail, newsgroups and web services. It is used for various purposes such as communication between computers, collection of information, and public relations means of companies and individuals.

As the Internet is out of the specific purpose of the initial use, as the number of Internet users has increased rapidly in recent years, commercialization through the Internet is rapidly spreading, and various forms of Internet business have been proposed.

The Internet business is largely classified into an information provider (IP: Infomation Provider) that receives a certain amount of information provision fee from a client and provides a plurality of desired information, and a plurality of users online can simultaneously play a game through a network. It can be classified into a network service that enables a user and an e-commerce service in which goods and services are traded between a company and an individual or a company and a company online.

On the other hand, with the development of wired Internet service that is performed by wired connection in such a manner, in recent years, various information and games are provided through wireless communication terminals due to the rapid development of wireless Internet communication technology using mobile phone functions and mobile phone functions. A small payment system including various services and mobile phone usage fees is being provided.

In the payment system using the wireless communication terminal, the use of personal mobile phone numbers is rapidly increasing due to the risk of leaking personal information when paying by credit card using the Internet.However, the payment system using the mobile phone uses a small payment within 30,000 won. The billing system is being billed for next month's mobile phone bill.

However, customers who purchase small items usually use cash as their primary means of purchase and receive the change from cash payments, or coins, and store them in their pockets or in a separate coin purse. Are gathered to achieve a considerable amount.

For example, an unspecified male A buys 1,800 won of cigarettes on his way to work and pays 2,000 won, leaving 200 won in change, and eating 4,500 won for lunch and paying 5,000 won for lunch. This is dated back.

If you buy 2,270 won worth of snacks and drinks for snacks in the afternoon and pay 3,000 won, you will receive 730 won of change, and after work you will get 3,400 won worth of bread from the bakery and 600 won if you pay 4,000 won. As a result of the change back, Mr. A's post-work pants pockets were calculated only by bills, and a total of 2,030 won was collected, and they could not be stored separately after work. have.

In addition, the small changes collected after the end of the day is usually not treated as precious and can not even remember when and where it is spent has a disadvantage that can lead to a small waste.

Therefore, the present invention was devised to solve the above-mentioned disadvantages and problems that have been raised in the handling of conventional change, ie, coins, that is, the customer who purchased the product at the merchant with the change accumulation system installed, that is, the change for the purchase amount of the product. If you request to accumulate coins that are received back, the merchant enters the mobile number through the terminal connected to the service center and the change is made through the approved wireless terminal to open the change account through the service center. It is an object of the present invention to provide a change accumulation and withdrawal processing system and a method using a wireless terminal that can make a change according to the request of the customer in the opened account.

Another object of the present invention and change withdrawal processing system and method using a wireless terminal, so that the customer can check the amount of the accumulated balance through the wireless Internet with respect to the change accumulated after the purchase of goods at the merchant By using the accumulated balance, it is possible to purchase other products, settle payments such as communication charges, or cash back the accumulated amount through a bank, so that the withdrawal and use of the accumulated amount can be made according to the micro cash settlement at each merchant. It is in such a way.

1 is a schematic configuration diagram of a change accumulation system according to the present invention.

2 is a block diagram of a service center according to the present invention.

Figure 3 is a flow chart illustrating the process of earning change according to the present invention

Figure 4 is a flow chart illustrating a withdrawal and use process of the accumulated amount according to the present invention.

((Explanation of symbols for main parts of drawing))

100. Service Center 110. Terminal information transmitter and receiver

120. Customer Information Certification Department 130. Change Account Opening Department

140. Accumulation of change amount 150. Change account DB

160. Banking Program 200. Merchants

210. Sending and receiving terminal 300. Wireless terminal

400. Mobile carrier data center

The above object of the present invention is a service provider of a service provider provided with a balance database of a customer and connected to a public wireless communication network, and accessing the service center through a wireless communication network to open a change account and frequently check the balance. A customer wireless terminal capable of transmitting customer terminal information through a transmission and reception terminal to the service center, and a merchant that accumulates change according to the purchase of a product by a customer wireless terminal according to a wireless terminal access approval, and customer terminal information transmitted and received to the service center. There is provided a change accumulation and withdrawal processing system and method using a wireless terminal configured to include a data center of a mobile communication company that receives a user authorization.

The service center is provided with a separate balance database for the wireless terminal of the customer, which is built from the service provider and connected through the public wireless communication network, and distributes a banking program built by the service provider to each affiliated store. Make sure that the service center is connected to the sending and receiving terminals.

The merchant accessing the service center through the sending / receiving terminal inputs the terminal's unique number of the customer requesting to accumulate the change through the wireless terminal for the balance after cash payment for the product and approves the access of the corresponding terminal through the mobile communication company. Will be credited with the amount of change that has been certified and paid in coins in the change account opened on the customer's wireless terminal.

At this time, the customer who purchases the goods through the merchant can request the merchant to accumulate the change back after purchasing the product and access the service center of the service provider through a wireless terminal to check the balance of the accumulated amount from time to time, After this period, it can be used as cash or by cashing out through a bank or the like.

In the present invention, a change accumulation and withdrawal processing system using the wireless terminal and a method thereof have a customer who has a change account opened through a wireless terminal in a service center established by a service provider, purchases a product at a merchant and balances the balance of the purchase amount. When requesting to earn through each merchant stores the unique number of the customer's wireless terminal using the sending and receiving terminals connected to the service center, and the mobile operator's user approval to earn the change in the corresponding change account, the customer earns It is a technical feature to check the amount so that it can be used like cash from time to time.

The matters related to the technical composition and the effect of the above-mentioned object of the change accumulation and withdrawal processing system and the method using the wireless terminal of the present invention are clearly shown by the following detailed description with reference to the drawings showing preferred embodiments of the present invention. Will be understood.

First, FIG. 1 is a schematic configuration diagram of a change accumulation system according to the present invention and FIG. 2 is a configuration diagram of a service center according to the present invention. As shown, the change accumulation and withdrawal processing system using the wireless terminal of the present invention is public. The service center 100 of the service provider having a database of the change account of the customer connected to the wireless communication network of the service provider, and the transmission and reception terminals connected to the service center 100 through the wireless communication network are provided. Opening the account of the change by accessing the service center 100 and the merchant 200 to send the customer's mobile phone information through the service center 100 to accumulate the change amount according to the product purchase in the change account of the customer And check the balance accumulated through the change account database and the customer to perform the payment using the accumulated amount to the wireless terminal 300 and the service center 100 It is configured to include a data center 400 of a mobile communication company that receives the user's wireless terminal information transmitted and received, and permits user authentication.

The service center 100 requests the wireless terminal information of the customer in order to accumulate the change according to the customer's purchase of the product from the merchant 200, the merchant 200 is connected to the service center 200 through a wireless communication network , Input the unique number of the wireless terminal 300 of the customer requesting the change earned through the receiving terminal 210 and transmits.

In this case, the wireless terminal information of the customer transmitted to the service center 100 is transmitted to the data center 400 of the mobile communication company to receive the user approval registered in each mobile communication company to be authenticated using the service according to the customer information.

The service center 100 receives the wireless terminal information of the customer through the sending and receiving terminal 210 of the affiliated store 200 and transmits the terminal information transmitting and receiving unit 110 to the data center 400 of each mobile communication company. Receiving the corresponding user approval information, which is permitted in the data center 400 of the mobile communication company, the customer information authentication unit 120 for authenticating the connection to the service center 100 and the wireless terminal 300 of the customer through a wireless communication network The establishment of the change account and the change account opened to the change account, the change account opening unit 130 and the change amount earning unit 140, the accumulation of the requested change is performed through the sending and receiving terminal 210 of the merchant 200, and The change account database 150, which stores the information on the account of the change account opened by the customer and the accumulated amount of the corresponding account that is requested to be accumulated through the merchant 200, and the request for the change of the change by the merchant 200; And customer's wireless It consists of a banking program 160 is provided with a dispensing process associated with the process of the bank computer network via a group (300).

In addition, the affiliated store 200 connected to the service center 100 through a wireless communication network is a form of a shop in which a plurality of consumer goods products are provided, and a wireless communication network connection means is provided at a checkout counter to pay for the purchase price of the product. City service center 100 is connected to the transmission and reception terminal 210 is provided with a service center connection unit 211 and a terminal information input unit 212 in the form of a keypad.

When a customer selects a product in a merchant 200 equipped with a plurality of consumer goods and requests for the change of the change through his wireless terminal 300 when the change is returned as change, each merchant 200 is stored in the store. The service center 100 is connected to the service center 100 using the transmitted and received terminal 210, and the wireless terminal 300 of the customer is inputted and transmitted.

The information transmitted from the transmitting and receiving terminal 210 of the affiliated store 200 is transmitted to the data center 400 of the mobile communication company through the terminal information transmitting and receiving unit 110 of the service center 100 and the data center 400. The user approval information of is received back to the transmitting and receiving terminal 210 through the customer information authentication unit 120.

At this time, the merchant 200 inputs the amount of change to be returned to the customer and the input information is accumulated in the change account of the customer through the change amount accumulation unit 140 of the service center, the accumulated information is the change account database Stored at 150.

The accumulated information of the change accumulated in the change account database 150 is configured to enable the customer to access the service center 100 from time to time with his or her wireless terminal 300.

The process of accumulating the change and the withdrawal of the accumulated amount of the present invention constituted as described above will be described in more detail based on the flowchart showing the data processing.

Figure 3 is a flow chart showing the process of accumulating change according to the present invention, as shown in the credit accumulation system using the wireless terminal of the present invention, the customer first connected to the service center 100 of the service provider with his wireless terminal Then, the customer information authentication unit 120 of the service center 100 authenticates the connection of the customer wireless terminal 300 (step S100), and the change account at the request of the customer on the wireless communication network, the change account opening unit 130. Allowed to be opened through (step S102).

The customer of the wireless terminal 300 having a change account opened through the change account opening unit 130 of the service center 100 purchases a product at the affiliated store 200 registered in the service center 100 and purchases a price. When requesting the change of the change when receiving the change, that is, the coin, the affiliated store 200 is connected to the service center 100 by a predetermined wireless communication network connection means, the transmission and reception terminal 210 provided in the store And the service center 100 is authorized to connect the transmission, reception terminal 210 (step S120).

The customer entered by inputting the wireless terminal 300 information of the customer who wants to accumulate change through the terminal information input unit 212 of the sending and receiving terminal 210 of the affiliated store 200 connected to the service center 100 The terminal information is received through the terminal information transmitting and receiving unit 110 of the service center 100 (step S130).

At this time, the terminal information received from the terminal information transmitting and receiving unit 110 is transmitted to the data center 400 of the mobile communication company is approved whether the user registered in each mobile communication company and the approval information is the customer information of the service center 100 In the authentication unit 120, the change account is opened and the user authentication (step S140) is made.

The service center 100 requests the transfer of the accumulated amount of the change to be credited to the change account of the corresponding customer on the sending and receiving terminal 210 of the affiliated store 200 for the user who has been authenticated (S150). The change accumulation amount input and transmitted to the receiving terminal 210 is received by the service center 100 and sequentially accumulated in the change account of the corresponding customer through the change amount accumulation unit 140 (step S160).

The change information and account information of the customer accumulated in the change account as described above is stored in the change account database 150 of the service center 100 (step S170).

Next, Figure 4 is a flow chart showing the withdrawal and use process of the accumulated amount according to the present invention, as shown, the withdrawal processing system of the accumulated change using the wireless terminal of the present invention is a wireless terminal of the customer through the public Internet network (300) When the access request is received, the wireless terminal 300 is authorized to access (step S200) and the request for confirmation of the balance accumulated in the corresponding change account of the connected customer is received (step S210), the service center 100 Extract the change account database storage information is transmitted to the wireless terminal 300 of the customer requesting the balance check (step S220), the information transmitted from the change account database 150 of the service center 100 is the corresponding customer wireless terminal The display 300 is displayed through the liquid crystal screen 300 (step S230).

As such, the change reserves output through the customer's own wireless terminal is used for the payment of the customer's own wireless terminal fee (step S240) after a certain period of time or to accumulate the amount of the product payment (S250 step) or a certain amount of reserves at the merchant. If the cash withdrawal through the bank (step S260) can be performed.

For example, in the wireless terminal fee payment step (S240), for example, if the customer accumulates the change through the merchant for a month, the reserve of 23,000 won is collected, and this month's wireless terminal use fee is 50,000 won, the customer's own change You can have 23,000 won settled in your account and the difference of 27,000 won settled through cash or other payment method.

In this case, the accumulated amount accumulated in the change account may be settled at the monthly wireless terminal fee, and continue to accumulate the payment for goods at the merchant (S250) or cash withdrawal through the bank (S260).

In the payment step (S250), the merchant purchases food or goods through the change account stored in the merchant registered in the service center 100 of the service provider and requests payment to the change account, the merchant stores the total amount of the corresponding account. If the amount of the product is less than the reserve, you can pay with the reserve, and if the amount is more than the reserve, the additional payment will be made.

In addition, the cash withdrawal step (S260) in the bank by connecting the service center 100 and commercial banks by connecting the banking program 160 of each bank's computer network and the service center 100, the customer is connected to the wireless terminal 100 Through the cash back of the reserves accumulated in the change account can be made.

For example, assuming that the current market interest rate of each bank is 7%, the share of service providers and commercial banks operating the service center 100 after setting a rate of about 3% on the reserves of the remaining change account after a certain period of time. Set a 2% rate to ensure that interest will continue to accrue on the amount of successive credits.

As described above, the change accumulation and withdrawal processing system and method using the wireless terminal of the present invention, when a customer who purchases a predetermined item at the merchant registered in the service center of the service provider requests the accumulation of the change for the purchase amount of the item Each merchant stores the change in the change account of the service center through the sending and receiving terminals stored in the store, and the customer uses the accumulated change to purchase other products, pay for the communication fee, or withdraw cash from the accumulated amount. Opening the change account of individual customer through the service center and making the change and saving the accumulated amount after hardening for a certain period of time by saving the change according to the small amount of cash at each affiliated store. There is an advantage that can be used to earn money by earning.

Claims (4)

The service center 100 of the service provider, which is connected to the public wireless communication network and has a database of the change account of the customer, and the transmission and reception terminals connected to the service center 100 through the wireless communication network are provided. A merchant 200 that sends a customer's mobile phone information through a terminal and accumulates the change amount according to the purchase of a product in the change account of the customer authenticated from the service center 100, and accesses the service center 100 to the change account. Open and receive the customer's wireless terminal 300 and the customer's wireless terminal information to be sent to, and received by the service center 100 to perform the check using the accumulated amount and check the balance accumulated through the change account database Charging and withdrawal processing system using a wireless terminal, characterized in that it comprises a data center 400 of a mobile communication company that allows user authentication Tem. According to claim 1, wherein the service center 100 receives the wireless terminal information of the customer through the transmission, reception terminal 210 of the affiliated store 200 and transmits the terminal information transmission to the data center 400 of each mobile communication company , Receiving unit 110, the customer information authentication unit 120 for authenticating the access to the service center 100 by receiving the corresponding user approval information that is permitted in the data center 400 of the mobile carrier, and the wireless of the customer through the wireless communication network The opening of the change account and the change in the amount of the change account opening unit 130 and the change in the accumulation of the requested change is performed through the sending and receiving terminal 210 of the affiliated store 200 in the change account opened and opened by the terminal 300. Part 140, the change account database 150 is stored by the customer and the information on the change amount of the corresponding account that is requested to be earned through the store 200 and the change account opened, the merchant 200 Request for change of change by Using a wireless terminal, characterized by a dispensing process is provided with a process with the customer's wireless terminal 300 consists of banking program 160 associated with the bank's computer network change for earning and dispensing process machine. When the customer accesses the service provider's service center by his wireless terminal, the customer information authentication unit of the service center authenticates the access of the customer's wireless terminal (S100) and the change account at the request of the customer on the wireless communication network through the change account opening unit. Allowing to be opened (S110), When a customer who opens a change account through the service center 100 purchases a product from an affiliated store registered in the service center and requests a change of the change when receiving a change of the purchase price, the merchant transmits / receives a terminal to a wireless communication network. Transmitting the connection information of the service center by the connection means, and the service center authorizing the connection of the transmitting and receiving terminal (S120); If you input the wireless terminal information of the customer who wants to accumulate change through the terminal information input unit of the sending and receiving terminal of the affiliated store connected to the service center, the inputted terminal information of the customer is received through the terminal information transmitting and receiving unit of the service center. Step (S130) and The terminal information received from the terminal information transmission and reception unit is transmitted to the data center of the mobile communication company, and is approved as a user registered in each mobile communication company. The approval information is determined by the customer information authentication unit of the service center to open a change account and authenticate the user. Performing step (S140), Request for the transfer of the change amount to be accumulated in the change account of the customer on the sending and receiving terminal of the merchant for the customer who has been authenticated by the service center (S150) and the change accumulation amount inputted and transmitted to the sending and receiving terminal. Received by the service center and sequentially accumulate in the customer's change account through the change amount accumulation unit (S160), Steps of storing the change information and account information of the customer accumulated in the change account in the change account database of the service center (S170), Charging and withdrawal processing method using a wireless terminal, characterized in that consisting of. When the customer's request for access to the wireless terminal through the public Internet network is authorized (S200) and the request for confirmation of the balance accumulated in the corresponding change account of the connected customer is received (S210), the service center changes Extracting the account database storage information and transmitting it to the wireless terminal of the customer who has requested the balance check (S220); Displaying the information transmitted from the change account database of the service center through the LCD screen of the corresponding customer wireless terminal (S230); When the change credits output through the customer's wireless terminal is used for payment of the customer's wireless terminal fee (S240) after a certain period of time or the product payment (S250) or a certain amount of reserves accumulated at the merchant store, cash withdrawal through the bank This step is performed (S260), Charging and withdrawal processing method using a wireless terminal, characterized in that consisting of.