KR20030020206A - system and method for payment of small account using integrated mileage, and vending machine and payment terminal used therein - Google Patents

Abstract

PURPOSE: A payment system and method is provided to unify the milage offered by a plurality of service providers or companies, to convert the milage into an exchange value corresponding to a real money, and to enable a user to pay a commodity with the milage via a mobile phone, at a vending machine or at a milage payment terminal installed at a store. CONSTITUTION: The system comprises a milage unification server(10), a mobile terminal(20), the internet(40), an MSC(Mobile Switching Center, 50), and a mobile communication network(60). The milage unification server(10) is connected to servers of affiliated member companies(70, 71, 72), for example, service providers, and a user terminal(80). The affiliated member companies(70, 71, 72) offer a milage point to a user according to criteria of theirs when the user purchases a commodity or a service. The milage unification server(10) receives the offered milage data from each member company, unifies the milage data, and converts the unified milage into an exchange value corresponding to real money. The vending machine(30) has a unique phone number, receives the exchange value from the unification server and offers a commodity to a user based on the exchange value if the vending machine(30) is accessed by a mobile terminal of a user and receives a selection signal from the user.

Description

System and method for micro payment using integrated mileage and vending machine and mileage payment terminal used in it {system and method for payment of small account using integrated mileage, and vending machine and payment terminal used therein}

The present invention relates to a micro payment system and a method thereof, and more particularly, by integrating the mileage accumulated by the buyer in general and converting it into money worth goods, the buyer conveniently and conveniently using the mobile phone anytime, anywhere It relates to a system and a method for making a purchase and paying it. The invention also relates to vending machines and mileage payment terminals used in such payment systems.

The development and settlement of a credit society now allows buyers to pay for goods or services even if they do not have cash, such as coins or bills. As a means of replacing cash, credit cards are typical, and in recent years, various electronic money is also emerging. However, in order for a buyer to purchase goods or services using such a credit card or electronic money card, he must possess it and present it at the time of purchase. This brings about the inconvenience of carrying and the fear of loss at the same time. In addition, it is true that it is impossible or difficult to use these credit cards or electronic money when ingesting beverages, coffee, etc. in unmanned vending machines or purchasing small items at retail stores.

Today, consumers are guaranteed the opportunity to choose more services and goods, while companies are increasingly competing to capture those consumers. These companies and service providers award various mileage scores to their customers and offer cash, prizes, and services to customers who exceed certain scores. The characteristics of these mileage systems are given in proportion to the consumer's use of their goods or services. Generally, the mileage points granted are not so high. It is true that it is difficult to get it back. Moreover, since the mileage system operates independently for each company or service provider, the consumer usually has a small amount of mileage points for a plurality of companies or service providers. Therefore, the mileage score granted from a certain company is incompatible with other companies or service providers, so unlike the real money such as cash used by everyone, there are not many opportunities to utilize the mileage actually granted.

The present invention was devised in view of the above problems, and the actual utility value of the mileage was increased by integrating the unused mileage distributed by each company or service provider into one and converting it to have an exchange value corresponding to real money. The purpose is to provide a system and method that can be used.

The present invention also aims to provide a system and method for enabling the purchase of goods using integrated mileage using a mobile phone anytime and anywhere.

At the same time, another object of the present invention is to provide a vending machine and a mileage payment terminal employed in the implementation of the above mileage integrated payment system and method.

Furthermore, the present invention allows a purchaser to make a small payment in a vending machine or a retail store that is difficult to use a credit card or electronic money.

1 is a view showing a schematic configuration of a payment system using integrated mileage according to a preferred embodiment of the present invention.

Figure 2 is a block diagram schematically showing the configuration of the integrated server according to the present invention.

Figure 3 is a block diagram schematically showing the configuration of a vending machine according to a preferred embodiment of the present invention.

4 is a view showing an example of a user DB of the integrated server according to the present invention.

5 is a view showing an example of the integrated mileage DB of the integrated server according to the present invention.

6 is a view showing an example of the usage history DB of the integrated server according to the present invention.

7 is a diagram schematically illustrating a process of making payment using integrated mileage according to a preferred embodiment of the present invention.

8 is a flow chart showing a process of mileage is integrated and converted in the integration server according to a preferred embodiment of the present invention.

9 is a flowchart illustrating a process of accessing a purchaser to a mobile communication terminal and providing a mileage conversion money data to a vending machine according to a preferred embodiment of the present invention.

10 is a flowchart illustrating a process of selling an article in a vending machine according to a preferred embodiment of the present invention.

11 is a flowchart illustrating a process of calculating and updating the converted money data according to information on selling goods to a buyer according to a preferred embodiment of the present invention.

12 is a block diagram showing a schematic configuration of a mileage payment terminal according to another embodiment of the present invention.

13 is a flowchart illustrating a process of making a payment using a mileage payment terminal according to another embodiment of the present invention.

In order to achieve the above object, the micro payment system according to the present invention comprises: an integrated server that receives the mileage data of the buyer from each member company server and integrates it to convert into money; And having a uniquely assigned access telephone number, the buyer receiving the converted money data of the buyer from the integrated server in response to accessing the access telephone number using a mobile communication terminal, and selling the goods to the buyer according to the amount thereof. Vending machine; includes.

Preferably, the integrated server, a mileage conversion unit for integrating and converting the mileage scores transmitted from each member company server to build an integrated mileage DB; And in response to the purchaser attempting to access a call to the access telephone number of the vending machine by using the mobile communication terminal, the exchange money providing unit for retrieving the converted money data of the corresponding buyer from the integrated mileage DB and providing it to the vending machine. It includes;

Preferably, the present invention, the exchange unit for receiving a signal for requesting a call connection to the access telephone number of the vending machine from the mobile communication terminal of the buyer; And receiving the call connection request signal from the exchange unit, inquiring the mileage conversion money of the corresponding buyer to the integrated server, and as a result, receiving the mileage conversion money data of the buyer from the integrated server and transmitting the received mileage conversion data of the buyer through the exchange unit. And a connection server for transmitting to the mobile communication exchange.

In this embodiment, the vending machine, a wireless transmission and reception unit for receiving the converted money data provided by the integrated server, and transmits the use history data of the buyer; A signal processing unit for processing signals input / output from / to the radio transceiver; A display unit for displaying various kinds of information; An input unit for inputting a signal by pushing a button to purchase a product by a buyer; And display the converted money data transmitted through the signal processing unit on the display unit, and when the purchaser purchases an item by pressing a button of the input unit, transfers the use of the converted money to the integrated server through the signal processing unit and the wireless transmitter / receiver. It includes a control unit.

According to another embodiment of the present invention, the integrated server for receiving the mileage data of the buyer from each member company server to integrate it into a conversion money; And a connection telephone number uniquely assigned to each retail store and received from the integrated server in response to the purchaser accessing the connection telephone number using a mobile communication terminal, and displaying the converted money data of the buyer. Provided is a payment system using integrated mileage, including; mileage payment terminal for providing input sales history information to the integrated server.

Preferably, the mileage payment terminal, the wireless transmission and reception unit for receiving the converted money data provided by the integrated server, and transmits the use history data of the buyer; A signal processing unit for processing signals input / output from / to the radio transceiver; A display device for displaying various kinds of information; An input device for inputting a signal by pushing a button to purchase a product by a buyer; And a control unit which displays the converted money data transmitted through the signal processing unit on the display device, and transmits the converted money use history information input through the input device to the integrated server through the signal processing unit and the wireless transmitting and receiving unit. It will be included.

According to another aspect of the present invention, a payment method using integrated mileage in a system including a network including the Internet and a mobile communication network and a member company server, an integrated server and a vending machine interconnected by the network,

(a) providing the mileage score and / or money conversion information of the buyer from each member company server to the integrated server; (b) integrating and converting the mileage scores in the integrated server to build the converted money data;

(c) the purchaser attempting to connect to the access telephone number of the vending machine using the mobile communication terminal; (d) transmitting the converted money data of the corresponding buyer to the vending machine in response to the call connection request signal of the buyer; (e) displaying the amount according to the transferred money data at the vending machine; And (f) the buyer purchasing the goods of the vending machine according to the indication.

Preferably, the payment method further includes the step of transmitting the converted money use history information, in which the purchaser purchases the goods in the vending machine, to the integrated server, and accordingly, calculating and updating the converted money data.

Preferably, the step (d) comprises: determining whether the call connection request signal of the buyer requests mileage payment service in the exchange unit, and if so, outputting call connection request information to the connection server; Inquiring of the purchaser's mileage conversion money data into the integrated server according to the input of the information; Providing, by the integrated server, the converted money data of the corresponding buyer to the connection server in response to the inquiry of the connection server; And transmitting the provided money data to the vending machine via the exchange unit.

According to another preferred embodiment of the present invention, a system including a network including the Internet and a mobile communication network and a member company server interconnected by the network, an integrated server, and a mileage payment terminal installed in a retail store. As a method,

(a) providing the mileage score and / or money conversion information of the buyer from each member company server to the integrated server; (b) integrating and converting the mileage scores in the integrated server to build the converted money data; (c) a purchaser attempting to access the access telephone number of the mileage settlement terminal using a mobile communication terminal; (d) transmitting the converted money data of the corresponding buyer to the mileage payment terminal in response to the call connection request signal of the buyer; (e) displaying, on the mileage payment terminal, an amount according to the transferred money data; (f) inputting the use amount of the converted money into the mileage payment terminal; And (g) transmitting the use amount of the converted money to the integrated server.

According to another aspect of the present invention, the mileage data of the buyer is received from each member company server, consolidated and converted into a converted money, and the converted money is transferred to the vending machine where the buyer requests a call connection, so that the buyer can purchase the goods. A payment system using an integrated mile which includes an integrated server for receiving the goods purchase history information of a buyer from the vending machine and calculating the converted money accordingly is disclosed.

According to another aspect of the present invention, as a vending machine that receives payment of mileage data of the buyer from each member company server and integrates it and converts it into a conversion money network and is connected to a network to perform payment, the buyer uses a mobile communication terminal. At the time of attempting to access the vending machine's access telephone number, the user receives the money data of the purchaser transmitted from the integrated server accordingly, and converts the money use history information to the integrated server as a result of selling the product to the buyer. A wireless transmitting and receiving unit for transmitting; A signal processing unit for processing signals input / output from / to the radio transceiver; A display unit for displaying various kinds of information; An input unit for inputting a signal by pushing a button to purchase a product by a buyer; And a control unit for displaying the converted money data of the purchaser transmitted through the signal processing unit on the display unit, and when the purchaser presses a button of the input unit to purchase an item, the converted money use history is output to the wireless transmission / reception unit through the signal processing unit. There is provided a vending machine comprising;

Also according to another aspect of the present invention, as a mileage payment terminal installed in each retailer to receive the mileage data of the buyer from each member company server, integrated with the integrated server that converts to the converted money and connected to the network to perform the payment, When the purchaser attempts to access the mileage payment terminal access phone number using the mobile communication terminal, the purchaser receives corresponding money data of the buyer transmitted from the integrated server correspondingly, and converts the money as a result of selling the goods to the buyer. A wireless transmission and reception unit for transmitting usage history information to the integrated server; A signal processing unit for processing signals input / output from / to the radio transceiver; A display device for displaying various kinds of information; An input device for inputting converted money use history information of selling goods to a buyer; And a control unit for displaying the converted money data of the purchaser transmitted through the signal processing unit on the display device, and outputting the converted money use history information input through the input device to the wireless transmitting and receiving unit through the signal processing unit. A mileage payment terminal is provided.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the specification and claims should not be construed as having a conventional or dictionary meaning, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

First embodiment

Figure 1 is a schematic configuration for implementing a small payment system using integrated mileage in accordance with a preferred embodiment of the present invention.

Referring to the drawings, the system of the present invention integrates the distributed mileage score and converts it to have the value of real money and a retail store where a purchaser purchases a desired item using the mobile communication terminal 20. And a network such as the Internet 40, a mobile communication switching center 50, and a mobile communication network 60 for interconnecting them.

In this embodiment, the vending machine 30 is illustrated as a preferred example of the retail store.

The integrated server 10 is connected to the member company servers 70, 71, 72 and the user terminal 80, which is a purchaser, constituted by a company or a service provider through the Internet 40. The member companies are companies or service providers who are given a mileage score from a user who is a purchaser by purchasing an item or using a service, and the mileage data for the user is based on their own mileage database (DB) 70a. , 71a, 72a.

The integrated server 10 is, for example, Novell Netware, Unix, Linux, Windows NT-based general purpose computer, as shown in Figure 2, the mileage conversion unit 12, the conversion money providing unit 13 and the conversion money The settlement unit 14 is included. Here, the mileage conversion unit 12 integrates the mileage scores received from each member company server (70, 71, 72) and converts it into money having an exchange value. According to the present invention, the mileage of the buyer, which has been distributed to various member companies, is integrated and converted into, for example, real currency having an exchange value. For example, the mileage score of 1,000 points given by member company 1 may be converted into 10 won in real money, and the mileage score of 1,000 points awarded by member company 2 may be converted into 100 won, thus the combined mileage totals 110. Will have the value of the won. These conversion thresholds may vary for each member company. In the present specification, the mileage score is preferably converted into real money unit, but is not limited thereto, and may be integrated and converted into any form having exchange value in actual commerce such as, for example, electronic money unit. Hereinafter, in the present specification and claims, a result converted to have an exchange value in actual commerce will be collectively defined as 'converted money'.

The converted money providing unit 13 provides the converted money in response to the request when the buyer wants to purchase the goods. In addition, the money converting unit 14 calculates the remaining balance after the purchaser purchases the goods in the converting money and updates the converted money data accordingly.

Preferably, the integrated server 10 may include a purchase history notification unit 15 to inform the buyer of the details of the purchase of the goods using the converted money, the purchase history is connected to the purchase history notification unit 15 It can be linked with an SMS server (not shown) that can send information as SMS (Short Message Service) text.

The main control unit of the reference numeral 11 operates the integrated server 10 and serves to control each unit.

The integrated server 10 of the above configuration includes a database group interlocked with the user DB, in which the user DB storing basic information such as a user's name, ID, password, mobile terminal number and address as shown in FIG. 4. (16), an integrated mileage DB 17 in which integrated mileage scores and converted money data, etc. are stored, and a usage history DB 18 in which purchaser converted money use history information is stored.

The user terminal 80 is a general personal PC that accesses a member company or integrated server 10 through the Internet, displays basic web pages provided by them, and provides basic software such as a physical network device and a web browser. It is equipped computer.

The configuration of the vending machine 30 illustrated as an example of a retail store in this embodiment is shown in more detail in FIG. The vending machine is a device that sells small items such as beverages, coffee, cigarettes, toilet paper, and the like unattended, and has a central processing unit (CPU) 31a, a memory of RAM 31b, ROM 31c, and the like, and an integrated server. A control unit 31 for selling goods and controlling each unit of the vending machine based on the converted money data transmitted from (10), a wireless transmitting and receiving unit 32 for transmitting and receiving a wireless signal, and the wireless transmitting and receiving unit 32 or A signal processor 33 serving as an interface for processing signals input from the controller 31, a display 34 such as an LCD or a fluorescent display for displaying various information, and a button for a user to purchase an item And an input unit 35 for inputting a signal by pressing and a cash recognition unit 36 for recognizing and processing cash, such as coins or bills put by a buyer.

The wireless transmission / reception unit 32 receives the converted money data of the buyer transmitted by the integrated server 10 through the mobile communication network 60, and converts the converted money usage history information according to the purchase result of the goods of the buyer into the integrated server ( To 10).

In addition, the vending machine 30 is a temperature quantity check unit for maintaining the temperature of the beverage or coffee, such as appropriately and for managing the stock of the article and the signal input from the sensor 38 ( 37) may be further included, and their configuration and function are conventional, and a detailed description thereof will be omitted.

The mobile telecommunication switching center 50 constituting the mobile telecommunication network 60 has a switching unit 51 for connecting a line to connect a call generated from the mobile telecommunication terminal of the buyer, and requests the mileage payment of the buyer according to the present invention. In response to the call requesting the integrated server 10 inquiring the converted money data to provide the converted money to the vending machine (30) at the same time the exchange money history data received from the vending machine 30 to the integrated server ( 10) includes a connection server 52 for transmission.

According to the present invention, the purchaser pays a purchase price for a small item using the mobile communication terminal 20, and it should be understood that the mobile communication terminal includes all of a terminal such as a cellular phone, a PCS phone, and a PDA.

Then, the process of purchasing and paying for the goods according to the present invention using the system having the above configuration will be described.

1.1 Mileage Grant Stage

According to one preferred embodiment of the present invention, a payment method using integrated mileage is schematically illustrated in FIG. 7, and each step process is illustrated in FIGS. 8 to 11. Referring to these figures, the buyer is first given mileage by purchasing goods from the member companies or using the services they provide. That is, the buyer can access the member companies servers 70, 71 and 72 online and use the service using the user terminal (80 in FIG. 1), or purchase goods or use the services of the member companies offline and correspondingly. Mileage points will be awarded to each member company. Each member company stores and manages the mileage score of the buyer in its own mileage DB (70a, 71a, 72a).

1.2 Mileage Consolidation and Conversion Stage

According to the present invention, the mileage granted by each member company is sent to the integrated server 10 and integrated. This process is shown in detail in FIG. 8. As shown, each member company server (70, 71, 72) transmits the mileage score data of the buyer stored in its own mileage DB (70a, 71a, 72a) to the integration server 10 (step S100). In this case, the transmitted mileage score data may include the name of the buyer, the mobile phone terminal number and / or mileage score. Here, the mileage score may include the mileage converted into a converted money with an exchange value together with the mileage score initially assigned, which may be applied when the server of each member itself converts the mileage. In addition, the transmission of the mileage score data may be performed regularly, or may be performed at the same time as each member company server grants the mileage to the buyer.

When the mileage score data from each member company server (70, 71, 72) is transmitted to the integration server 10, the mileage conversion unit (12 of FIG. 2) integrates and converts the mileage score data. First, the mileage conversion unit 12 determines whether or not the mileage score transmitted from the member company is converted into a converted money (step S110), and if not converted, converts the mileage score into a converted money having an exchange value (step S120). ). At this time, the exchange rate of the mileage to money conversion is preferably made according to a predetermined ratio specified by each member company, such a ratio information can be received in advance from each member company server or with the mileage score data.

When the mileage score is converted according to the criteria, all of these converted money are combined to calculate the sum (step S130). This process of the present invention is characterized by integrating useless mileage distributed by each member company to increase its utility.

The converted and integrated data as described above is stored in the integrated mileage DB 17 (step S140), an example of such a data table is shown in FIG. In other words, the mileage integration data will include fields such as member company server address, mileage score, and money conversion for each buyer.

1.3 Goods Purchase Step-Vending Machine Access and Transfer of Money

The purchaser purchases the goods and pays using the integrated mileage is illustrated in FIG. 9. First, a purchaser who wants to purchase an item in an unmanned vending machine 30 installed on the offline attempts to access the access number assigned to the corresponding vending machine 30 using his mobile communication terminal 20 (step S200). ). Preferably, the vending machine 30 will be disclosed a guide and a connection telephone number for guiding payment using the integrated mileage.

The call signal transmitted from the mobile communication terminal 20 is transmitted to the mobile communication switching center 50 via the mobile communication network 60 and then processed by the switching unit 51. That is, the exchange unit 51 determines whether the received signal is a call connection request signal of a general telephone number or a mileage payment request signal (step S210), and if the general line connection request signal is connected, the line is connected in a normal manner. (Step S220).

Otherwise, if it is determined that the signal including the mileage payment terminal access number, the exchange unit 51 sends the mileage payment request call signal information to the connection server 52 to request the processing. The connection server 52 receiving the mileage payment request call signal information from the exchange unit 51 transmits an inquiry request signal including a phone number of the mobile communication terminal 20 to the integrated server 10 connected to the Internet. The inquiry of the mileage conversion money is requested (step S230).

Subsequently, the exchange money providing unit 13 of the integrated server 10 that has been requested for mileage conversion money inquiry searches the user DB 16 and the integrated mileage DB 17 and converts the converted money data corresponding to the mobile communication terminal access number. Extract it and provide it to the connection server 52 again (step S240).

Then, the connection server 52 transmits the exchange money data provided to the vending machine 30 corresponding to the mileage payment terminal phone number entered by the buyer through the exchange unit 51 (step S250).

The transferred money data is received by the wireless transceiver (32 in FIG. 3) of the vending machine 30, processed by the signal processor 33, and temporarily stored in the memory (RAM) of the controller 31 (step S260). .

1.4 Purchase of Goods-Sale of Goods and Transfer of Sales History

When the converted money data is transmitted to the vending machine 30, the amount is displayed on the display unit 34 provided outside the vending machine (step S300).

At the same time, the control unit 31 determines whether the converted money amount is less than the price of the goods sold by the vending machine 30, for example, coffee or beverage (step S310), and if the converted money amount is sufficient, the vending machine ( The lamp is turned on for the item selling button (not shown) installed in 30) to inform the buyer that the item can be purchased.

Otherwise, if the converted money amount is less than the standard selling price, the purchaser additionally inputs coins or bills of cash through a cash inlet (not shown) installed in the vending machine 30 (step S320), and again, the step S310. Return to. On the contrary, in this process, the buyer may cancel the purchase of goods (step S330).

When the vending machine 30 is ready to sell the goods, the buyer presses the buy goods button to select his or her desired goods (step S340), and the vending machine sells the corresponding goods (step S350).

Subsequently, the control unit 31 of the vending machine determines whether the sale has ended (step S360), and if so, transfers the use history information through the wireless communication unit 32 through the exchange unit 51 through the connection server 52. (Step S370). The converted money use history information includes the amount of money and / or the converted money balance as the minimum data. Preferably, the payment terminal number of the vending machine and the mobile communication terminal access number of the purchaser provided through the connection server 52. , The date of sale of the item, the item, the unit price, and the like.

1.5 Settlement

As shown in FIG. 11, when the exchange money usage history information is received from the vending machine 30 (step S400), the money converting unit 14 of the integrated server 10 calculates the remaining money to calculate the remaining balance. After that (step S410), the integrated mileage DB 17 is newly updated (step S420). At the same time, the money converting unit 14 may store details of the date and time of sale of the product, the payment terminal number of the vending machine, the item, the unit price, and the like in the usage DB 18. An example of such usage data is shown in FIG. As shown.

Preferably, the purchaser can be notified of the details or the balance of the money after the purchase of the goods, for example, the purchase history notification unit 15 of the integrated server 10 is a user DB (16), The purchaser's mobile communication terminal 20 is retrieved from the integrated mileage DB 17 and the usage history DB 18 through a short message service (SMS) server (not shown) provided separately. Buyer usage information can be transmitted (step S430).

In this embodiment, a vending machine is disclosed as an example of a retail store. However, the present invention is not limited to a vending machine but can be applied to a general retail store, which is implemented by employing the mileage payment terminal 90 shown in FIG. Hereinafter, an embodiment provided with the mileage payment terminal 90 will be described.

Second embodiment

According to this embodiment, a mileage payment terminal 90 is installed in a retail store that sells small items such as stationery and fancy. A schematic configuration of the mileage payment terminal 90 is shown in FIG.

Referring to the drawings, the mileage payment terminal 90 has a CPU, a memory such as a RAM, a ROM, and the like, and a controller 91 for controlling the terminal, a wireless transmission and reception unit 92 for transmitting and receiving wireless signals, and the wireless transmission and reception unit. (92) or a signal processing unit (93) which functions as an interface for processing signals input from the control unit (91), a display device (94) such as an LCD or a fluorescent display device for displaying various kinds of information, and a user It includes an input device 95 for inputting the purchase amount and confirming the payment.

In this embodiment, the purchaser who purchases the item at the retailer makes a call to the access number of the mileage payment terminal provided at the retailer using the mobile communication terminal 20 to select and pay for the desired item.

Then, as described above, the converted money data provided by the integrated server 10 is transmitted to the mileage payment terminal input by the buyer via the connection server 52 and the exchange unit 51, the transferred money data The signal is received by the wireless transmitter / receiver 92 of the mileage payment terminal 90 and processed by the signal processor 93, and then temporarily stored in a memory (RAM) of the controller 91.

Subsequently, as shown in FIG. 8, the control unit 91 of the mileage payment terminal 90 displays the converted money amount on the display device 94 so that the buyer and the seller of the retailer can see this (step S500). .

In response to this, the seller inputs the converted money usage history, and specifically, an amount corresponding to the price of the item to be purchased by the buyer is input by pressing, for example, a keyboard of the input device 95, and performs a payment (step S510). . At this time, if the amount of the converted money displayed on the display device 94 of the mileage payment terminal 90 is smaller than the selling price of the goods, the seller requests the buyer to pay the amount corresponding to the difference by cash or credit card. will be.

When the payment amount is input, the control unit 91 transmits the converted money use history information to the connection server 52 through the wireless communication unit 92 via the exchange unit 51 (step S520). As described above, the converted money use history information may also include the payment amount and / or the converted money balance, the payment terminal number, the purchaser's mobile communication terminal access number, the date and time of sale of the item, the item, the unit price, and the like.

After that, the process of calculating and updating the converted money of the buyer in the integrated server 10 is the same as described above, and a description thereof will be omitted.

According to another embodiment of the present invention, the mileage payment terminal 90 may be connected to or embedded in a credit card inquiry and payment terminal provided at a retail store. That is, the mileage payment terminal 90 may be connected to the credit card inquiry and payment terminal through a separate wired interface (not shown), and payment may be performed. Such modifications are available to those skilled in the art. It will be able to be derived within the technical scope of the present invention.

In the present specification, the vending machine 30 and the mileage payment terminal 90 are illustrated as having a wireless transmission and reception unit and transmitting and receiving data through a mobile communication network, but are not limited thereto. For example, the mobile communication switching center 50 It is a matter of course that the object of the present invention can also be achieved by a wired communication network connected to the PSTN via a gateway exchange station (not shown) from the exchange unit 51 of. Furthermore, data transmission and reception between the integrated server and the payment terminal may be performed using an SMS server without passing through the connection server of the mobile communication switching center 50. That is, the conversion server providing unit 13 of the integrated server retrieves the converted money data corresponding to the purchaser mobile communication terminal phone number provided from the connection server 52 and the SMS server that is linked to the integrated server 10 (not shown) ) Can be transmitted to the mileage payment terminal (90). Data transmission through the SMS server is one of the most suitable modification of the present invention and its configuration is already well known, so the detailed description thereof will be omitted.

According to the payment system and method using integrated mileage according to the present invention has the following effects.

First, the present invention integrates a small amount of mileage, which has been previously distributed by each member company, and has little use, and converts it to have an exchange value, thereby increasing the utility of the mileage.

Second, by converting the mileage with different standards for each member company into the converted money, it has the same exchange value as the real currency, thereby increasing the compatibility of the mileage.

Third, buyers can make small payments using the accumulated mileage using mobile phones anytime, anywhere, which brings more convenience and usefulness of payment.

Claims (19)

An integrated server that receives the mileage data of the buyer from each member company server and integrates the converted mileage data into the converted money; And Automatically having a uniquely assigned access telephone number and receiving the converted money data of the buyer from the integrated server in response to the purchaser accessing the access telephone number using a mobile communication terminal and selling the goods to the buyer according to the amount. Payment system using the integrated mileage, characterized in that it comprises a vending machine. The method of claim 1, wherein the integrated server, A mileage conversion unit for integrating and converting the mileage scores transmitted from each member company server to build an integrated mileage DB; And A conversion money providing unit for retrieving the conversion money data of the corresponding purchaser from the integrated mileage DB and providing it to the vending machine in response to the purchaser attempting to call a connection telephone number of the vending machine using a mobile communication terminal; Payment system using integrated mileage, characterized in that it comprises a. According to claim 2, wherein the vending machine sells the goods to the buyer and provides the converted money use history information to the integrated server, the integrated server calculates the converted money in accordance with the provided conversion money use history information and the The integrated mileage DB payment system using the integrated mileage, characterized in that it further comprises a currency conversion unit for updating the converted money data. The method of claim 1, A switching unit for receiving a signal for requesting a call connection to the access telephone number of the vending machine from the mobile communication terminal of the purchaser; And Receives a call connection request signal from the exchange unit and inquires the mileage conversion money of the buyer to the integrated server, and as a result, receives the mileage conversion money data of the buyer from the integration server to the vending machine through the exchange unit Connection system for transmitting; Payment system using integrated mileage comprising a mobile communication switching station comprising a. The vending machine according to any one of claims 1 to 4, wherein A wireless transmission / reception unit for receiving the converted money data provided by the integrated server and transmitting the converted money use history data of the purchaser; A signal processing unit for processing signals input / output from / to the radio transceiver; A display unit for displaying various kinds of information; An input unit for inputting a signal by pushing a button to purchase a product by a buyer; And Display the converted money data transmitted through the signal processing unit on the display unit, and when the purchaser presses the button of the input unit to purchase the goods, the use of the converted money is transmitted to the integrated server through the signal processing unit and the wireless transmitter / receiver. The control system; Payment system using integrated mileage comprising a. An integrated server that receives the mileage data of the buyer from each member company server and integrates the converted mileage data into the converted money; And It is installed at each retail store and has a uniquely assigned access telephone number, and receives and displays the converted money data of the buyer from the integrated server in response to the purchaser accessing the access telephone number using a mobile communication terminal. Payment system using the integrated mileage comprising a; mileage payment terminal for providing the sales history information to the integrated server. The method of claim 6, wherein the integrated server, A mileage conversion unit for integrating and converting the mileage scores transmitted from each member company server to build an integrated mileage DB; And In response to the purchaser attempting to access the call number of the mileage payment terminal using the mobile communication terminal, a conversion money system for retrieving the converted money data of the buyer from the integrated mileage DB and providing the mileage payment terminal to the mileage payment terminal; Study; Payment system using integrated mileage characterized in that it comprises a. The payment system of claim 7, wherein the currency converter provides the converted currency data to the mileage payment terminal through an SMS server. The method of claim 6, An exchange unit for receiving a signal for requesting a call connection to the access telephone number of the mileage settlement terminal from the mobile communication terminal of the buyer; And Receives a call connection request signal from the exchange unit and inquires the mileage conversion money of the buyer to the integrated server, and as a result receives the mileage conversion money data of the buyer from the integration server and the mileage payment terminal through the exchange unit Connection server for transmitting to the; payment system using the integrated mileage comprising a mobile communication exchange comprising a. The mileage payment terminal according to any one of claims 6 to 9, A wireless transmission / reception unit for receiving the converted money data provided by the integrated server and transmitting the converted money use history data of the purchaser; A signal processing unit for processing signals input / output from / to the radio transceiver; A display device for displaying various kinds of information; An input device for inputting a signal by pushing a button to purchase a product by a buyer; And A control unit for displaying converted money data transmitted through the signal processing unit on the display device, and transmitting converted money usage information input through the input device to the integrated server through the signal processing unit and a wireless transmitting and receiving unit; Payment system using integrated mileage characterized in that. A payment method using integrated mileage in a system including a network including the Internet and a mobile communication network and a member company server, an integrated server, and a vending machine interconnected by the network, (a) providing the mileage score and / or money conversion information of the buyer from each member company server to the integrated server; (b) integrating and converting the mileage scores in the integrated server to build the converted money data; (c) the purchaser attempting to connect to the access telephone number of the vending machine using the mobile communication terminal; (d) transmitting the converted money data of the corresponding buyer to the vending machine in response to the call connection request signal of the buyer; (e) displaying the amount according to the transferred money data at the vending machine; And (f) the buyer purchasing the goods of the vending machine according to the display; payment method using the integrated mileage comprising a. The method of claim 11, The method of claim 1 further comprising the step of transmitting the converted money usage history information that the purchaser purchased the goods in the vending machine to the integrated server, and accordingly calculate and update the converted money data. The method of claim 11, wherein the mobile communication network, A switching unit for receiving a signal for requesting a call connection from the mobile communication terminal of the purchaser to the access telephone number of the mileage settlement terminal, and a connection server for inputting call connection request information from the switching unit and connected to the integrated server and a network; It is provided with a mobile communication switch, including; Step (d) is, Determining, by the exchange unit, that the call connection request signal of the buyer requests mileage settlement service, and if so, outputting call connection request information to the connection server; Inquiring of the purchaser's mileage conversion money data into the integrated server according to the input of the information; Providing, by the integrated server, the converted money data of the corresponding buyer to the connection server in response to the inquiry of the connection server; And And transmitting the provided money data to the vending machine via the exchange unit. The method of claim 11, wherein step (f) comprises: If the converted money amount is less than the price of the goods for sale, the buyer further comprises the step of adding cash to the vending machine. 12. The method of claim 11, wherein the integrated server further comprises providing the buyer with the converted and updated converted money data according to the purchaser's use history information. A payment method using integrated mileage in a system including a network including the Internet and a mobile communication network and a member company server interconnected by the network, an integrated server, and a mileage payment terminal installed in a retail store, (a) providing the mileage score and / or money conversion information of the buyer from each member company server to the integrated server; (b) integrating and converting the mileage scores in the integrated server to build the converted money data; (c) a purchaser attempting to access the access telephone number of the mileage settlement terminal using a mobile communication terminal; (d) transmitting the converted money data of the corresponding buyer to the mileage payment terminal in response to the call connection request signal of the buyer; (e) displaying, on the mileage payment terminal, an amount according to the transferred money data; (f) inputting the use amount of the converted money into the mileage payment terminal; And (g) transmitting the use history of the converted money to the integrated server; payment method using integrated mileage, characterized in that it comprises a. Receives the mileage data of the buyer from each member company's server, consolidates it, converts it to the converted money, and transfers the converted money to the vending machine that the buyer requested to access the call. And an integrated server receiving information from the vending machine and calculating the converted money accordingly. It is a vending machine that receives payment data of buyer's mileage from each member company's server and integrates it and converts it into a conversion money network. When a purchaser attempts to access the vending machine's access telephone number using a mobile communication terminal, the purchaser receives corresponding money data of the buyer transmitted from the integrated server and uses the money as a result of selling the goods to the buyer. A wireless transmission and reception unit for transmitting detail information to the integrated server; A signal processing unit for processing signals input / output from / to the radio transceiver; A display unit for displaying various kinds of information; An input unit for inputting a signal by pushing a button to purchase a product by a buyer; And A control unit for displaying the converted money data of the purchaser transmitted through the signal processing unit, and outputting the use of the converted money to the wireless transmission / receiving unit when the purchaser presses a button of the input unit to purchase an item; Vending machine comprising a. It is a mileage payment terminal installed in each retailer to receive payment data of buyers from each member company's server and integrate it and convert it into a conversion money network. When the purchaser attempts to access the mileage payment terminal access phone number using the mobile communication terminal, the purchaser receives corresponding money data of the buyer transmitted from the integrated server correspondingly, and converts the money as a result of selling the goods to the buyer. A wireless transmission and reception unit for transmitting usage history information to the integrated server; A signal processing unit for processing signals input / output from / to the radio transceiver; A display device for displaying various kinds of information; An input device for inputting converted money use history information of selling goods to a buyer; And And a control unit for displaying the converted money data of the purchaser transmitted through the signal processing unit on the display device, and outputting the converted money use history information input through the input device to the wireless transmitting and receiving unit through the signal processing unit. Mileage payment terminal characterized by.