KR20030075502A - Data communication by wire and wireless - Google Patents

Abstract

PURPOSE: A system for a commercial transaction payment using a wire/wireless data communication network and a method thereof are provided to convert a reserve fund and a gift certificate when a compatible use of the reserve fund and the on-line gift certificate is requested. CONSTITUTION: A plurality of subscriber wire/wireless terminals(H1-Hn) check reserve fund information received from a specific company according to subscribers in real time, include a communication module for reading, purchasing, and downloading various kinds of on-line gift certificate and wireless gift certificate information, and include a web browser for outputting various kinds of information on a screen. Reserve fund supply servers supply a reserve fund by corresponding to a purchase price payment through the wire/wireless terminals(H1-Hn). A plurality of wireless gift certificate issuing servers(MGPS1) read information through the wire/wireless terminals(H1-Hn), and register/issue a wireless gift certificate for an on-line purchase and download. A plurality of on-line electronic commerce servers include commodity information and an on-line payment unit for selling various kinds of commodities through the reserve fund and the wireless gift certificate. A reserve fund/wireless gift certificate conversion server(MMES) is communicated with the wireless gift certificate issuing servers(MGPS1) and the reserve fund supply servers, and converts a reserve fund designated to a corresponding subscriber into a wireless gift certificate in accordance with a request of the subscriber.

Description

Transaction settlement system using wired / wireless data communication network and method thereof {DATA COMMUNICATION BY WIRE AND WIRELESS}

The present invention relates to a commerce payment system and a method using a wired and wireless data communication network, and more specifically, in the on-line and off-line commerce using the data communication network and payment for the payment, compatible payment of reserves and wireless gift certificates, The present invention relates to a commerce payment system and a method using a wired / wireless data communication network which enables payment of a wireless gift certificate using an existing card payment terminal offline.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

In order to secure regular customers, which is one of the basic elements of all commerce, recently, by applying on-line / offline linked reserve system, if a company purchases products from a number of merchants or affiliates presented by a particular company, the specific company If the reserve is provided, and the reserve accumulates above a certain point, the customer can receive the reserve back in cash or receive other goods.

In the case of the above reserve system, the customer can use the reserve provided in exchange for the purchase of the product back to cash, but in this case, since the customer goes through a separate application process, a long time is required to receive the cash. There is a problem that the process of applying for a separate application is very cumbersome, and when the reserve is replaced with a product, the type of the target product is very limited, so there are many cases in which there is no desired product. There is a problem that frequently orders the duplicate.

In addition, recently, various online gift certificates (including wireless gift certificates) that allow users to purchase goods for cash use by accessing various e-commerce sites linked online have appeared. These online gift certificates can only be used online. There is a problem. Of course, these online vouchers can be used in various offline merchants, but in order to do so, each merchant can be connected to the Internet network in addition to the current card payment terminal, and a computer terminal equipped with various security modules is provided separately. There is a problem that the equipment cost is increased because it should be.

The present invention has been made in view of the above-described prior art, and commercial and settlement payments using wired / wireless data communication networks to convert reserves / online gift certificates upon request so that the reserves and online gift certificates (wireless gift certificates) can be used interchangeably. It is an object of the present invention to provide a system and a method thereof.

Another object of the present invention is to provide a merchant card payment terminal master card separately to the merchant owner so that the online gift certificate (wireless gift certificate) can be used offline, it is possible to use the online gift certificate without the addition of a separate device, and provides excellent security The object of the present invention is to provide a commerce payment system and a method using a wired and wireless data communication network.

Another object of the present invention is to provide a commerce payment system and a method using a wired and wireless data communication network in which the download and settlement is made in real time so that a small amount of reserves can also be used in real time for payment, such as data download.

Figure 1a, 1b is a block diagram showing the overall configuration of a commerce payment system using a wired and wireless data communication network according to an embodiment of the present invention,

2 is a diagram illustrating a transaction process using a wireless voucher offline through a commerce payment system using a wired or wireless data communication network according to an embodiment of the present invention;

3A is a data flow diagram illustrating a process of converting a reserve / wireless gift certificate through a commerce payment system using a wired / wireless data communication network according to an embodiment of the present invention;

3b is a data flow diagram illustrating a wireless voucher payment process through a commerce payment system using a wired and wireless data communication network according to an embodiment of the present invention;

3C is a data flow diagram illustrating a wireless voucher payment process at a merchant through a commerce payment system using a wired or wireless data communication network according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: subscriber terminal, H1-Hn: wireless terminal,

MGPS1 to MGPSn: wireless gift certificate issuing server, MPS1 to MPSn: reserve grant server,

OEMS1-OEMSn: Online e-commerce server, ES: Electronic authentication server

CSD1-CSDn: card payment terminal, MC1-MCn: master card,

MMES: Reserve / Wireless Gift Certificate Conversion Server.

In order to achieve the above object, according to a preferred embodiment of the present invention can be confirmed after the subscriber identification in real time accumulated accumulated information for each subscriber from a specific company, by reading and purchasing various online gift certificates or wireless gift certificate information A subscriber wired / wireless terminal having a built-in communication module for downloading and a web browser for outputting various kinds of information; A reserve server for providing cumulative reserves in exchange for payment of the purchase price to the wired / wireless terminal; A wireless gift certificate issuing server capable of reading the information through the wired / wireless terminal, registering and issuing a wireless gift certificate to enable purchase and download thereof online; An online e-commerce server equipped with product information and online payment means to enable the sale of various products through the reserve or wireless gift certificate; It is connected to the wireless voucher issuing server and the reserve grant server, characterized in that consisting of a reserve / wireless gift certificate conversion server for converting the donation to the wireless gift certificate according to the subscriber's request through the wired / wireless terminal Provided is a commerce payment system using a wired and wireless data communication network.

Preferably, a master card provided to the merchant owner for payment through the wireless voucher in the offline merchant, the wireless voucher payment data therein; A card payment terminal which reads the information of the master card, generates a payment signal, and transmits wireless gift certificate information through a button input; And an electronic authentication server configured to communicate with the wireless voucher issuing server and the card payment terminal and perform wireless voucher authentication and payment processing through master card information and wireless voucher information transmitted from the card payment terminal. Provided is a commerce payment system using a wired or wireless data communication network.

Preferably, the wireless voucher is provided with a commercial payment system using a wired and wireless data communication network, characterized in that the wireless voucher issuing information, the wireless voucher amount information, the unique authentication number information.

Preferably, the reserve / wireless gift certificate conversion server is provided with a commerce payment system using a wired and wireless data communication network, characterized in that a separate database for storing the reserve / wireless gift certificate conversion information for each subscriber therein.

Preferably, the reserve / wireless gift certificate conversion server, the wired and wireless data, characterized in that it can further comprise a database that stores the merchant information and payment information unique wireless identification number information of the wireless gift certificate due to the provision of the master card. A commerce settlement system using a communication network is provided.

On the other hand, the present invention provides a process for providing a reserve to the subscriber in exchange for payment of goods or services; Converting the reserve into a wireless gift certificate if a request signal requesting the subscriber to convert the reserve into a specific wireless gift certificate is authorized; Accessing a specific shopping mall and purchasing a product using the wireless gift certificate provided by the subscriber; Provided is a commerce method using a wired / wireless data communication network comprising a process of performing a payment settlement between the shopping mall and a wireless gift certificate issuer.

Preferably, the wireless voucher conversion step of receiving the information of the subscriber and the information of the reserve provider; There is provided a commerce method using a wired / wireless data communication network, further comprising the step of communicating with the reserve provider and confirming the reserve information of the corresponding subscriber.

Preferably, the wireless voucher conversion process, if the value of the reserve is greater than the value of the wireless gift certificate, the remaining reserves, except for the value of the wireless gift certificate, further comprises the process of earning again commerce using wired and wireless data communication network A method is provided.

Preferably, the process of providing a master card embedded with the wireless voucher payment request data to the merchant owner on the offline; Inputting and transmitting a wireless gift certificate payment signal and a wireless gift certificate authentication number to a card payment terminal using the master card; Generating a payment possible signal by checking the wireless gift certificate authentication number; There is provided a commerce method using a wired / wireless data communication network, which further includes a process of storing usage information of the wireless gift certificate, so that the wireless gift certificate can be settled off-line.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1A and 1B are diagrams showing the overall configuration of a commerce payment system using a wired or wireless data communication network according to an embodiment of the present invention.

Referring to this, the commerce payment system using a wired and wireless data communication network according to an embodiment of the present invention can be confirmed after real-time subscriber identification accumulated accumulated information for each subscriber from a specific company, and can check various online gift certificates or wireless gift certificate information There is provided a subscriber terminal (A1 to An) with a built-in communication module for viewing and purchasing the same, and a built-in web browser for outputting various information.

In addition, the commerce payment system using the wired and wireless data communication network according to the present invention can browse and purchase various voucher information in the same manner as the subscriber terminal (A1 to An), and can perform wireless online payment using the donated reserves in real time. It is associated with the subscriber wireless terminal (H1 ~ Hn) is provided with a communication module and a wireless web browser therein.

At this time, the online gift certificate and the wireless gift certificate is preferably a gift certificate that can be retrieved and purchased using the subscriber terminal (A1-An) to the wireless terminal (H1-Hn) online through a wired or wireless data network. In the case of a gift certificate, it can be downloaded to a wireless terminal (H1 to Hn) and used in a place equipped with a card payment terminal such as various credit card affiliate stores, large discount marts, and department stores on-line. In other words, since the functions and operations of the online vouchers or wireless vouchers are similar, the present invention does not distinguish between them and treats them as similar or identical.

In the figure, the wireless gift certificate issuing servers MGPS1 to MGPSn can view and purchase the information using the subscriber stations A1 to An to wireless terminals H1 to Hn, and in particular, the wireless terminals H1 to Hn. In the case of purchase of a gift certificate, it provides for downloading the image data of the wireless gift certificate with the serial number to the corresponding wireless terminal (H1 ~ Hn).

In addition, reserve server (MPS1 ~ MPSn) is a server that accumulates cumulative mileage in proportion to the purchase price when purchasing goods in a number of online shopping malls or offline merchants connected to the server, the subscriber terminal ( It is possible to view the reserve information for each subscriber using A1 to An) to wireless terminals H1 to Hn.

Meanwhile, the reserve / wireless gift certificate conversion server (MMES) converts the reserves granted to the subscribers into wireless gift certificates according to the subscriber's request through the subscriber terminals A1 to An to the wireless terminals H1 to Hn. The server manages subscriber information and subscriber-specific conversion information in association with the wireless gift certificate issuing servers MGPS1 to MGPSn and the reserve grant servers MPS1 to MPSn.

The first database DB1 stores information and reserves and wireless gift certificate information of the wireless gift certificate issuing servers MGPS1 to MGPSn and the reserve grant server MPS1 to MPSn provided in the reserve / wireless gift certificate conversion server MMES. And store the subscriber information and the conversion information of the reserves / wireless gift certificates for each subscriber.

Meanwhile, the card payment terminals CSD1 to CSDn shown in FIG. 1B read credit card information within the card to enable payment of the purchase price using the wireless gift certificate as well as credit payment of the price using a general credit card. It is a terminal that takes a remote transmission and outputs the received data to a screen or a receipt. When the master card MC1 to MCn purchases a specific product at an offline affiliated store using a wireless gift certificate downloaded to the wireless terminal H1 to Hn, A card used for information input for authentication of a wireless gift certificate.

In the figure, online e-commerce servers (OEMS1 to OEMSn) are registered online and connected via the wireless terminals (H1 to Hn) or subscriber terminals (A1 to An) to provide access to various product information and product sales services. It is a server that provides and operates a variety of online shopping malls.

In addition, the electronic authentication server ES is connected to the wireless gift certificate issuing servers MGPS1 to MGPSn so as to not only authenticate the general credit card but also to download the goods using the wireless gift certificates downloaded to the wireless terminals H1 to Hn. It is a server that authenticates the wireless gift certificate according to the master card information transmitted from the card payment terminals CSD1 to CSDn and its input data for payment. Accordingly, the subscriber can download a specific wireless gift certificate to the wireless terminals H1 to Hn and pay for goods or services at various offline affiliated stores.

The settlement of the goods or services payment price sold by the merchant is made later between the merchant and the wireless gift certificate issuer. Preferably, the merchant is an affiliate or affiliated company that belongs to the wireless gift certificate issuer.

Therefore, in the present invention, subscribers are given reserves in exchange for purchasing various items on / offline using wired / wireless terminals A1 to An and H1 to Hn, and converts the reserves into wireless gift certificates to wireless terminals (H1 to Hn). Will be downloaded). When the wireless gift certificate is presented for payment of purchase of a specific product at an offline merchant, the merchant transmits the wireless gift certificate payment information to the remote electronic authentication server (ES) by using the master cards MC1 to MCn. The wireless gift certificate can be authenticated by inputting the unique authentication information donated to the gift certificate, thereby making it possible to pay for the product.

Of course, the same as described above in the case of purchasing the wireless gift certificate directly, it is also possible to present the reserve and the wireless gift certificate to a remote third party. Even when the wireless gift certificate is presented to a third party, the authentication information uniquely assigned to the wireless gift certificate (for example, authentication number: 200203114562) is the same, so that the third party can pay the product purchase price. In this case, the wireless gift certificate presented as an embodiment in the present invention is not limited to a gift certificate, but includes all kinds of securities such as electronic bills and electronic bonds that can be distributed on-line and wireless.

In addition, preferably, if the value of the reserve is greater than the value of the wireless gift certificate, the remaining reserves except for the value of the wireless gift certificate to be credited again.

2 is a diagram illustrating a transaction process using a wireless voucher off-line through a commerce payment system using a wired and wireless data communication network according to an embodiment of the present invention.

Referring to this, in the case of presenting a wireless gift certificate downloaded on the wireless terminal (H1 ~ Hn) as the payment price for a specific product through the card payment terminals (CSD1 ~ CSSDn), for payment of wireless gift certificates provided to each merchant owner The payment can be made using the master card MC. The card payment terminals CSD1 to CSDn scan the information of the master card MC and transmit the information to the electronic authentication server ES. Merchant input. Preferably, the information of the wireless gift certificate is composed of a number, the number is made to distinguish each of the wireless gift certificate issuer information, wireless gift certificate amount information, unique authentication number information.

Then, the electronic authentication server ES communicates with the wireless gift certificate issuing servers MGPS1 to MGPSn for authentication of the wireless gift certificate, transmits the wireless gift certificate information, and receives the result data for the authentication. The gift certificate can be authenticated.

In addition, the electronic authentication server (ES) has a second database (DB2) for storing the credit card merchant information and credit card authentication information therein, the merchant information capable of payment of the wireless gift certificate, and unique to each wireless gift certificate. It is also possible to perform its own authentication by separately configuring each of the third databases DB3 storing authentication information.

The function and operation of a commerce payment system using a wired / wireless data communication network according to an embodiment of the present invention having the above configuration will be described in detail with reference to the accompanying drawings.

3A is a data flow diagram illustrating a process of converting a reserve / wireless gift certificate through a commerce payment system using a wired / wireless data communication network according to an embodiment of the present invention.

First, in a commerce payment system using a wired or wireless data communication network according to an embodiment of the present invention, the subscriber can check his / her accumulated accumulation received from a specific company, and identifies the subscriber through the subscriber terminal (= subscriber PC). When a code (ID, password) is input and a deposit confirmation request is made, the reserve grant server MPS1 to MPSn extracts the reserve data stored for each subscriber identification code and transmits the reserve data to the subscriber terminals A1 to An.

In the case of the wireless terminal (H1 ~ Hn), it is possible to make a request for confirming the reserve for the reserve grant server (MPS1 ~ MPSn), it is possible to receive the reserve information from the reserve grant server (MPS1 ~ MPSn).

On the other hand, the subscriber station (A1 to An) transmits a wireless gift certificate information request signal to the wireless gift certificate issuing servers (MGPS1 ~ MGPSn) to view the wireless gift certificate information, the wireless gift certificate issuing servers (MGPS1 ~ MGPSn) The wireless gift certificate information is transmitted to the subscriber terminals A1 to An.

Then, when the subscriber transmits a specific wireless gift certificate purchase request signal and wireless terminal information through the subscriber terminals A1 to An, and transfers the money, the wireless gift certificate issuing servers MGPS1 to MGPSn transmit the corresponding wireless terminal H1 to H1 to An. Hn) transmits a wireless voucher.

In addition, in the present invention, through the reserve / wireless gift certificate conversion server (MMES), a specific subscriber can be accumulated cumulatively received from a specific company to a wireless gift certificate, as well as the reserve / wireless gift certificate conversion application for the reserve / If the wireless gift voucher conversion server (MMES) and the subscriber information and terminal information is transmitted, the reserve / wireless gift certificate conversion server (MMES) after confirming the reserve information of the subscriber to the reserve grant server (MPS1 ~ MPSn) side of the subscriber The wireless terminal (H1 to Hn) to provide a wireless gift certificate. In addition, it is of course also possible to purchase in real time the wireless gift certificate using the wireless terminal (H1 ~ Hn).

In addition, it is possible to present a purchased wireless gift certificate to a specific person through a data communication network. Since each wireless gift certificate is given a unique authentication number, even if it is transmitted to a third party's terminal, the unique authentication number remains the same. It is possible to pay for the wireless gift certificate by using the product price.

3B is a data flow diagram illustrating a wireless voucher payment process through a commerce payment system using a wired or wireless data communication network according to an embodiment of the present invention.

First, the wireless terminal (H1 ~ Hn) can receive a predetermined reserve in exchange for the purchase of goods or services from the reserve grant server (MPS1 ~ MPSn), remotely to the wireless gift certificate issuing server (MGPS1 ~ MGPSn) By accessing the wireless voucher to purchase and transfer the payment can be provided with a wireless voucher.

In addition, the wireless terminals H1 to Hn can be used to access specific online e-commerce servers OEMS1 to OEMSn to view specific goods and services, and to selectively purchase specific goods and services. Upon issuing a purchase request signal for the service, the online electronic commerce servers (OEMS1 to OEMSn) request the wireless terminal (H1 to Hn) to select a payment means.

At this time, the payment means is a reserve or wireless gift certificate is possible, the online e-commerce server (OEMS1 ~ OMSn) provides the affiliated or pre-affiliated merchant information with the product information in advance to allow the subscriber to select a payment method. Therefore, when a subscriber presents a specific wireless gift certificate or pays a reserve, the online e-commerce server (OEMS1 to OEMSn) provides a specific product or a service. At this time, when the product provided by the online electronic commerce servers (OEMS1 to OEMSn) is a data file, the data is downloaded to the radio terminals (H1 to Hn).

In addition, the settlement for the provision of the product or service is made between the online e-commerce server (OEMS1 to OEMSn) and the corresponding reserve or wireless gift certificate issuer.

At the same time, the subscriber can apply to the reserve / wireless gift certificate conversion server (MMES) to convert the donated reserves to wireless gift certificates through the wireless terminal (H1 ~ Hn). When the reserve / wireless gift certificate conversion request signal is transmitted from the wireless terminal (H1 ~ Hn) side, the reserve / wireless gift certificate conversion server (MMES) is connected to the reserve grant server (MPS1 ~ MPSn) reserve information for the subscriber Check to determine whether the required vouchers and reserves are convertible according to the conversion rate.

As a result of judging from the reserve / wireless gift certificate conversion server (MMES), the reserve / wireless gift certificate conversion server (MMES) may convert the wireless gift certificate through a data communication network if the subscriber's reserve is converted to the wireless gift certificate requested by the subscriber. At the same time as the transmission to the wireless terminal (H1 ~ Hn) and the conversion information is transmitted to the reserve grant server (MPS1 ~ MPSn) to reduce the reserves of the subscriber.

3C is a data flow diagram illustrating a wireless voucher payment process at a merchant through a commerce payment system using a wired or wireless data communication network according to an embodiment of the present invention.

First, a subscriber purchases a wireless voucher and downloads the wireless voucher to the wireless terminals H1 to Hn. Then, the subscriber purchases the wireless voucher and outputs the wireless voucher output to the wireless terminal H1 to Hn for payment of goods or services of the affiliated store provided offline. When presented, the affiliated store transmits the corresponding card information to the electronic authentication server ES by using the provided master cards MC1 to MCn and card payment terminals CSD1 to CSSD.

At the same time, the affiliated store owner inputs the unique wireless gift certificate authentication number outputted to the wireless terminals H1 to Hn through the card payment terminals CSD1 to CSDn. When the entered wireless gift certificate authentication number is completed transmission to the electronic authentication server (ES), the electronic authentication server (ES) transmits the wireless gift certificate authentication information to the wireless gift certificate issuing servers (MGPS1 ~ MGPSn) to check this When the verification is completed, the wireless gift certificate authentication information is transmitted to the card settlement terminals CSD1 to CSDn.

When wireless gift certificate authentication information is transmitted from the card payment terminals CSD1 to CSDn, the affiliated store equipped with the card payment terminals CSD1 to CSDn provides a product or a service to a corresponding subscriber and transmits the payment information to the electronic authentication server. Send to (ES). Then, the fraudulent electronic authentication server ES transmits the wireless voucher payment information to the wireless voucher issuing servers MGPS1 to MGPSn to notify that the wireless voucher has been used.

Therefore, even if the wireless copy of the wireless voucher of the same authentication number as the article number already used later, the wireless voucher can not be used, so it may have a secondary security effect, and downloaded to the wireless terminal (H1 ~ Hn) Wireless vouchers can be freely used in offline merchants, and in particular, the reserves can be converted to wireless vouchers.

Meanwhile, the commerce payment system and the method using the wired / wireless data communication network according to the embodiment of the present invention are not limited to the above embodiments but various modifications can be made without departing from the technical gist of the present invention.

As described above, the commerce payment system and the method using the wired and wireless data communication network according to the present invention is very convenient because the wireless voucher downloaded to a specific wireless terminal can be freely used in offline merchants, in particular, the reserve is converted to a wireless voucher As the use of reserves can be expanded, high-quality service is possible, thereby securing a fixed customer and performing active marketing. In addition, even if a data copy of the wireless voucher of the same authentication number as the authentication number that is already used in the future it can be determined that the wireless voucher was copied in the authentication process has the advantage that it may have a secondary security effect. In addition, since the existing card payment terminal can be used interchangeably when using a wireless voucher offline, the device cost can be significantly reduced.

Claims (9)

You can check the accumulated information accumulated by subscribers from a specific company in real time after identifying the subscriber.In addition, you can view various online vouchers or wireless voucher information, and purchase and download them. A subscriber wired / wireless terminal with a built-in web browser for outputting a screen; A reserve server for providing cumulative reserves in exchange for payment of the purchase price to the wired / wireless terminal; A wireless gift certificate issuing server capable of reading the information through the wired / wireless terminal, registering and issuing a wireless gift certificate to enable purchase and download thereof online; An online e-commerce server equipped with product information and online payment means to enable the sale of various products through the reserve or wireless gift certificate; It is connected to the wireless voucher issuing server and the reserve grant server, characterized in that consisting of a reserve / wireless gift certificate conversion server for converting the donation to the wireless gift certificate according to the subscriber's request through the wired / wireless terminal Commerce payment system using a wired and wireless data communication network. The mobile terminal of claim 1, further comprising: a master card provided to an affiliated store owner for payment through the wireless voucher at an offline affiliated store, the wireless voucher payment data being embedded therein; A card payment terminal which reads the information of the master card, generates a payment signal, and transmits wireless gift certificate information through a button input; And an electronic authentication server configured to communicate with the wireless voucher issuing server and the card payment terminal and perform wireless voucher authentication and payment processing through master card information and wireless voucher information transmitted from the card payment terminal. Commerce payment system using wired and wireless data communication network. The system of claim 1, wherein the wireless voucher includes wireless voucher issue information, wireless voucher value information, and unique authentication number information. The system of claim 1, wherein the reserve / wireless gift certificate conversion server has a separate database configured to store reserve / wireless gift certificate conversion information for each subscriber therein. The method of claim 1, wherein the reserve / wireless gift certificate conversion server may further comprise a database that stores the merchant information that can be paid for the wireless gift certificate and the unique authentication number information of the wireless gift certificate due to the provision of the master card. Commerce payment system using a wired and wireless data communication network. Providing a reserve to the subscriber in exchange for payment of goods or services; Converting the reserve into a wireless gift certificate if a request signal requesting the subscriber to convert the reserve into a specific wireless gift certificate is authorized; Accessing a specific shopping mall and purchasing a product using the wireless gift certificate provided by the subscriber; The payment settlement method using a wired and wireless data communication network, characterized in that consisting of the process of performing the payment settlement between the shopping mall and the wireless gift certificate issuer. The method of claim 6, wherein the wireless voucher conversion process comprises: receiving the information of the subscriber and the information of the reserve provider; And accessing the reserve provider to confirm the reserve information of the corresponding subscriber. The method of claim 6, further comprising: providing a merchant card offline with a master card embedded with wireless voucher payment request data; Inputting and transmitting a wireless gift certificate payment signal and a wireless gift certificate authentication number to a card payment terminal using the master card; Generating a payment possible signal by checking the wireless gift certificate authentication number; The payment method of the commerce using a wired or wireless data communication network, characterized in that for allowing the wireless gift voucher to be settled off-line further comprising the step of storing the use information of the wireless voucher. 8. The wired / wireless data communication network according to claim 7, wherein the wireless gift certificate conversion process further includes a process of re-accumulating the remaining reserves excluding the value of the wireless gift certificate if the value of the reserve is greater than the value of the wireless gift certificate. Commerce payment method.