KR20030080111A - System and Method for Operating Coupons Connected Personal Information by Using IC Card - Google Patents

Abstract

PURPOSE: A method and system for operating a coupon capable of linking individual information using an IC(Integrated Card) card is provided to record information of the coupon in an IC card using a card reader in a client system by creating the coupon capable of linking the individual information in accordance with a request of a client and transmitting the created coupon to the client system, and to authenticate the coupon through a VAN(Value Added Network) by recognizing the IC card in a POS(Point Of Sale). CONSTITUTION: A coupon operating system(100) creates and issues a coupon in accordance with a request of a client, is mounted in a client system, and supplies an application program for executing an information communication with an IC card. A coupon creation module(205) extracts information with respect to a coupon selected by a request of a client and creates the coupon capable of linking the individual information. A coupon transmission module(210) transmits the coupon to the client system. An application program distribution module(215) supplies and updates the application program to the client system. An authentication checking module(220) checks an authentication with respect to a credit card function included in the IC card and coupon information. A payment processing module(225) executes a payment process in accordance with a use of the IC card including the coupon. A subscriber database(230) stores information of a card issued to the client. A coupon database(235) matches information with respect to the coupon requested and created by the client system with subscriber information of a client and stores the information.

Description

System and Method for Operating Coupons Connected Personal Information by Using IC Card}

The present invention generates a (personal information linked) coupon through a coupon generation agent program that can be installed in a coupon operation system or a client system, and uses the card reader in the client system, and the (personal information linked type) on an IC (Integrated Circuit) card. Point of Sales (POS) recognizes the IC (Integrated Circuit) card on which the coupon information is recorded, and the (Personal Information Linked) coupon information of the IC (Integrated Circuit) card is added. ; Value Added Network) The present invention relates to a method and system for operating a (personal information linked) coupon using an integrated circuit (IC) card that allows authentication through a service provider.

Coupons are a means of discounting some of their prices when they are actually purchased for one or more of the specified items. Recently, coupons are used for a variety of services. Websites have begun offering coupons online as part of their promotion and customer engagement. The coupons provided on-line were mainly printed by a client through an output means such as a printer, and then visited and used in a corresponding offline affiliated store.

Therefore, the client feels a considerable inconvenience in using the coupon, and the rate of using the coupon is not high compared to other developed countries.

An object of the present invention for resolving the above problems, the coupon management system generates a personal information linked coupon at the request of the client and transmits the generated personal information linked coupon to the client system card reader in the client system Point of Sales (POS) recognizes an IC (Integrated Circuit) card on which the personal information linked coupon is recorded, and records the information on the personal information linked coupon on the IC (Integrated Circuit) card. The present invention provides a method and system for operating an integrated personal information coupon using an integrated circuit (IC) card that authenticates personal information linked coupon information of an integrated circuit card through a Value Added Network (VAN) operator. .

1 is a simple block diagram connected with a card company, a client system, a point of sales (POS) and a value added network (VAN) provider to provide a personal information linked coupon to an integrated circuit (IC) card according to the present invention. to be.

Figure 2 is a simple internal block diagram of a coupon operating system that can be included in the card company or implemented separately and connected to the card company.

3 is a simple flowchart illustrating a process of recording information on a personal information linked coupon on an integrated circuit (IC) card according to the first method of the present invention.

4 is a simple flowchart illustrating a process of using an integrated circuit (IC) card in which personal information linked coupon information is recorded through the process of FIG.

5 is a client system equipped with a coupon generation agent program for providing a coupon to an integrated circuit (IC) card according to the second method of the present invention, a card company, a point of sales (POS), and a value added network (VAN). This is a simple block diagram that connects operators.

FIG. 6 is a simple flowchart illustrating a process of recording information about a coupon on an integrated circuit (IC) card according to the second method of the present invention of FIG.

7 is an exemplary view in which personal information linked coupon information is recorded on a mobile integrated circuit (IC) card in a wireless network according to the present invention.

<Description of main parts of drawing>

100: coupon operation system 105: client system

110: application program 115: card reader

120: IC card 125: POS

130: VAN Business

The present invention relates to a personal information linked coupon operating method and system using an IC card, accessing the coupon operating system according to the present invention, selecting and requesting a desired coupon, and the personal information linked coupon according to the request. Transmitting the generated personal information linked coupon to the client system, recording the personal information linked coupon sent to the client system to the IC card through a card reader, and recording the IC card. Authenticating the personal information linked coupon information through a Value Added Network (VAN) provider connected to a Point of Sales (POS) system, and authenticating the personal information linked coupon information as a coupon operation system. And a coupon generation agent pro having a coupon generation function on the client system. Acquiring and installing a gram from a coupon operation system, acquiring coupon generation information through on / offline, and generating a coupon by driving the coupon generation agent program using the obtained coupon generation information. There is a second method to include.

According to the present invention, a coupon generated through a coupon generation agent program in a coupon operation system or a client system is associated with personal information data, and the client's personal information (name (ID), address, social security number (business registration number), wireless) It includes a terminal number, personal information including the (credit) card information held, data format, which is more convenient to use the IC card equipped with the coupon Point of Sales (POS) system and value-added communication network ( It is intended to operate in connection with VAN; Value Added Network. In addition, the personal information data includes all personal information such as a social security number, a wireless terminal number that can be used for authentication of the client, and as described above, credit for operating in conjunction with a value added network (VAN) It is to be noted that the card and other card number systems are advantageous in implementing the present invention.

In addition, the coupon to be implemented in the present invention is not limited to this, it is revealed that other gift certificates and tickets are also possible.

In addition, it is specified that all coupons (all certificates including gift certificates and tickets) to be implemented in the present invention can be generated for one-time use.

In addition, it is specified that the coupon to be implemented in the present invention includes all certificates including a gift certificate and a ticket.

The coupon operation system plays a role of generating and issuing a personal information linked coupon at the client's request, and can provide an application program installed in the client system to perform information communication with the IC card. In addition, the coupon management system may include information on the issued personal information linked coupons (coupon issue date, coupon serial number, coupon expiration date, coupon use merchant, coupon value, etc.) within the coupon management system (name ( ID), address, social security number (business registration number), wireless terminal number, (credit) card information, etc.) to be stored in the coupon database and linked to the VAN (Value Added Network) operators To help you authenticate it when you use it.

In addition, the coupon operation system according to the present invention will be appropriate to be included in the card provider in which the infrastructure of the IC (Integrated Circuit) card is built.

In addition, the coupon operating system according to the invention is characterized in that it comprises a mobile carrier, a financial institution such as a bank or credit card company, membership card issuing agency, or a maker that can issue a coupon.

The client system refers to an internet terminal (or wireless communication device in the case of a wireless device) or a client operating the internet terminal capable of accessing the internet. The client system is capable of inserting an integrated circuit (IC) card and serves as an interface. To include a card reader, etc. or is connected separately.

The client system is also equipped with an application program that enables reading / writing of information recorded on the IC card.

In addition, the coupon generation agent program mounted on the client system described in the second method of the present invention is a kind of the application program described above, but only a read / write function for information recorded on an IC (Integrated Circuit) card. There is no, it means more intelligent and advanced, through the coupon generation information obtained by the client on-offline, it is possible to create the coupon itself.

In addition, the coupon generation agent program may include the authentication data of the client recorded on the IC (Integrated Circuit) card when generating the one-time coupon, so that the use of the coupon through the IC (Integrated Circuit) card may be made later. At this time, it is possible to make the processing of the authentication for the coupon more convenient and safe.

In addition, the coupon generation agent program reveals that the algorithm for implementing the personal information data (including credit card and other card number) format for the generation of personal information linked coupon according to the present invention.

The coupon (all certificates including a gift certificate and a ticket) generating agent transmission path includes a path using a wired / wireless internet, a path using a local area network such as Bluetooth or WLAN, and a path using a wired cable. I specify that it is done.

The coupon generation information (or coupon information) is a kind of code system that the client can obtain on / offline and includes all letters, numbers, symbols, and the like.

For example, in the case of online, when a client selects a desired product from a website such as an affiliate store and drags and drops it to a coupon generating agent, the coupon generating agent recognizes the corresponding product to generate a coupon. In the case of offline, when advertising a product related to a newspaper or magazine, by inserting a kind of code, for example, "1234", the client checks the code "1234", and the code to the coupon generation agent of the client system By inputting, it is possible to generate a coupon for a desired product.

In addition, the delivery medium of the coupon (all certificates including a gift certificate and a ticket) generation information (or coupon information) is a server medium on the wired / wireless Internet, or an airborne broadcast medium such as a television or a radio, or a newspaper or a magazine. It is specified that the output medium is included, and the method of providing the coupon (all certificates including the gift certificate and the ticket) generation information data is provided directly through the wired / wireless internet, and the local area network such as Bluetooth or wireless LAN. In the case of providing through a wired cable, a wired cable, a user directly inputting an authentication code, and an authentication code recognition device (mounted in the wireless communication device) mounted in a wireless terminal. Including automatic recognition through digital cameras) Bayida specified.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 shows a card company (coupon operating system) 100, a client system 105, a point of sales (POS) 125 and a value-added communication network (VAN) to provide a coupon to an integrated circuit (IC) card in accordance with the present invention; Value Added Network) is a simple block diagram that is connected to the carrier 130.

The card company may include a coupon management system 100 to be implemented by the present invention, or may be connected to the coupon management system 100 implemented separately. A card company is connected to a Value Added Network (VAN) service provider 130 for authentication of an IC (Integrated Circuit) card including coupon information used by a client, so that a database can be shared, and the VAN ; Value Added Network) Personal information linked type (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card generated at the request of the client according to the present invention through the operator 130; And other card number association forms included therein).

According to the present invention, when the client system 105 connects to a card company and selects and requests a coupon for a desired product or service (1), the coupon operation system 100 in the card company selects and requests information about the coupon requested by the client. To extract the personal information linked (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number included in the form) coupons are generated. The coupon operation system 100 matches the generated coupon with subscriber information of the client system 105 and stores the coupon in the coupon database 235 (2).

Coupon management system 100 is a personal information associated type (name (ID), or address, or social security number (business registration number), or a wireless terminal number or credit card and generated therein at the request of the client system 105 Other coupon number association format) is transmitted to the client system 105 via the network (3). Client system 105 is a personal information associated type (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other cards included therein transmitted from the coupon operation system 100) When the coupon is temporarily stored and stored, and when the IC (Integrated Circuit) card 120 is recognized through the card reader 115, the coupon information is recorded in the IC (Integrated Circuit) card 120. Alternatively, when the card reader 115 and the integrated circuit (IC) card 120 are connected at the time of receiving the coupon, real-time recording is also possible (4).

The IC (Integrated Circuit) card 120 generally includes personal authentication information, payment means information, and the like, and according to the present invention, personal information linked to the IC (Integrated Circuit) card 120 (name (ID)) Voucher information is recorded, including the address, or social security number (business registration number), or wireless terminal number or credit card and other card number associated therewith. As described above, the coupon information takes a form (including name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number associated therein) associated with personal information data. Records are also possible, so that coupons can also be authenticated through Value Added Networks (VANs) that handle credit card lookups and approvals. In addition, a plurality of coupon information can be stored according to the storage capacity in the IC (Integrated Circuit) card (120).

When the recording of the information on the coupon is completed in the IC (Integrated Circuit) card 120, it is possible to use the coupon using the IC (Integrated Circuit) card. The IC (Integrated Circuit) card 120 is a credit card. When the client presents the card 120 to purchase a desired product (a product which requested a coupon), the POS terminal 125 is displayed. The calculation and coupon information for the product is transmitted to the value added network (VAN) operator 130 for authentication (6).

The value added network (VAN) operator 130 is connected with a card company (coupon operating system) 100 to verify the card number information and card number information and matched coupon information of the client to perform authentication (7). ). When the authentication of the integrated circuit (IC) card 120 is completed, the value-added communication network operator 130 transmits the authentication details to the card company (coupon operating system) 100 (8). The card company (coupon operating system) 100 having received the authentication details deletes the coupon information matched with the card number information of the client from the coupon database 235 to notify that the coupon has been used (9).

The card company (coupon operating system) 100 transmits the authentication completion details to the POS terminal 125 through the value added network (VAN) operator 130 (10), the POS terminal 125 of the client The payment is processed using the IC (Integrated Circuit) card 120 and coupon use (11).

2 is a simple internal block diagram of a coupon operation system 100 that may be included in a card company or implemented separately and connected to the card company.

The coupon operation system 100 serves to generate and issue a coupon at the client's request. The coupon operation system 100 is installed in the client system 105 to perform information communication with the IC (Integrated Circuit) card 120. ) May be provided, for this purpose, a coupon generation module 205, a coupon transmission module 210, an application program distribution module 215, an authentication check module 220, a payment processing module 225, and a subscriber. It is composed of a database 230, coupon database 235 and the like, the detailed function is as follows.

The coupon generation module 205 extracts information on the selected coupon according to the client's request and connects personal information (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and And other coupon number association format included).

The coupon transmission module 210 functions to transmit the coupon generated through the coupon generation module 205 to the client system 105 in which the application program 110 is installed.

Application program distribution module 215 is a personal information generated from the coupon operation system 100 (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other cards included therein) Receiving a coupon), an application that can be installed in the client system 105 to write information to the IC (Integrated Circuit) card 120 through the card reader 115 or to read the information of the card 120 Function to provide the program 110, and is responsible for the periodic update and security problem resolution of the distributed application program (110).

The authentication check module 220 confirms the authentication of the basic credit card function included in the integrated circuit (IC) card 120 and the authentication of the coupon information according to the present invention, and a value-added communication network (VAN). ; Value Added Network) operates in conjunction with the operator (130).

Payment processing module 225 is a personal information associated type (including name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number associated form included therein) coupon information It functions to perform payment processing according to the use of the included IC (Integrated Circuit) card (120).

Subscriber database 230 is a database that stores information such as card information (card number, card product name, password and card limit amount), name, address, mobile phone number issued to the client.

The coupon database 235 may be a personal information association type (name (ID), or address, or social security number (business registration number)) generated by a request of the client system 105, or a wireless terminal number or credit card and other information contained therein. Card number association format) It stores and stores the information about the coupon (coupon issue date, coupon serial number, coupon expiration date, coupon use merchant, coupon value, etc.) by matching with the subscriber information of the requesting client. ; Value Added Network) in conjunction with the operator 130 helps to authenticate this when using the coupon.

3 is a personal information linkage type (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card in the IC (Integrated Circuit) card 120 according to the first method of the present invention; It is a simple flow diagram illustrating a process of recording information about the coupon (including other card number association format included therein).

The drawing shows that the coupon operation system 100 is a personal information linked type (name (ID), or address, or social security number (business registration number), or a wireless terminal number or credit card and the same) at the request of the client system 105. Generated coupons) and transmit the generated coupons to the client system 105 using the card reader 115 connected with the client system 105 to the integrated circuit (IC) card 120. The coupon information of the IC card 120 is recorded by recording information on the coupon and recognizing the integrated circuit (IC) card 120 on which the coupon information is recorded by the POS (Point Of Sales) terminal 125. This is a flowchart for a process for authenticating through a Value Added Network (VAN) provider 130.

When the client system 105 accesses the coupon management system 100 in the card company (300) and selects a coupon to be obtained, the coupon management system 100 receives a coupon request from the client system 105. In operation 310, the installation of the application program 110 having the reception function of the coupon to be transmitted and the function that can be recorded on the integrated circuit (IC) card 120 is confirmed (310).

If the application program 110 is not installed in the client system 105 (315), the client system 105 is downloaded and installed (320). However, if the application system 100 is installed in the client system 105 (325), the coupon operation system 100 extracts information about the requested coupon (330), personal information linked type (name (ID)) Or 335 generates an address, or a social security number (business registration number), or a wireless terminal number or credit card and other card number association forms included therein (335).

The personal information linked coupon is characterized by including the number format of existing credit cards and other cards, which is to facilitate the use of the IC (Integrated Circuit) card 120 is equipped with the coupon It refers to a coupon that can be operated in connection with the point of sales (POS) system and the value added network (VAN) operator 130.

The generated personal information association type (including name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number association form included therein) coupons and the subscriber information of the client The match is stored in the coupon database 235 (340), and when the storage is complete is sent to the client system 105 (345). The coupon transmitted to the client system 105 is linked with the personal information to the integrated circuit (IC) card 120 through a card reader 115 that serves as an interface of the read / write function of the integrated circuit (IC) card 120. Information of the type (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number association form included therein is recorded (350).

4 is a personal information linkage type (including name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number linkage form included therein) coupon information through the process of FIG. Is a simple flowchart showing the procedure for the use of the recorded IC (Integrated Circuit) card 120.

Through the process of Fig. 3, the information of the personal information linkage type (name (ID) or address, or social security number (business registration number), or wireless terminal number or credit card and other card number linkage forms included therein) can be obtained from the IC. Once recorded on the (Integrated Circuit) card 120, it is possible to use the coupon using the IC (Integrated Circuit) card 120 (400). Point of Point (POS) that recognizes the IC (Integrated Circuit) card 120 when an attempt is made to purchase an item to which the stored coupon is applied (405) with the IC (Integrated Circuit) card 120 in which the coupon information is recorded. The terminal (125) transmits the coupon information recorded on the integrated circuit (IC) card 120 to the value added network (VAN) service provider 130 and requests authentication (410).

The value added network (VAN) operator 130 that receives the authentication request for the coupon information of the client from the point of sales (POS) terminal 125 performs authentication in connection with the card company (coupon operating system) 100. In operation 415, the authentication information is notified to the card company and the point of sales terminal 125 (420).

The card company (coupon operating system) 100 checks the details of the coupon information (425) to recognize the use of the corresponding coupon, and deletes the coupon record from the coupon database 235 (430).

According to the present invention, the coupon information recorded on the IC (Integrated Circuit) card 120, as described above, the form associated with the personal information data (name (ID), or address, or resident registration number (business registration number) ), Or a wireless terminal number or a credit card and other card number association forms included therein), so that a value added network (VAN) 130 may be used to perform credit card inquiry and approval operations as shown in the drawing. ) Can also be used for authentication of coupons.

5 is a personal information linkage type (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card in the IC (Integrated Circuit) card 120 according to the second method of the present invention; In order to provide a coupon, the client system 105 equipped with the coupon generation agent program 500 is provided with a card company (coupon operating system) 100, a point of sales (POS) and a value-added communication network. (VAN; Value Added Network) This is a simple block diagram that is connected to the operator 130.

FIG. 1 illustrates a method for generating a coupon by itself through a coupon generation agent program 500 in the client system 105. The card company (coupon operating system) 100 of FIG. 1 is an application program 110. As one of the above, it only serves to provide the more advanced coupon generation agent program 500 to the client system 105, and is not responsible for generating coupons.

The coupon generation agent program 500 includes a read / write function for information recorded on the IC (Integrated Circuit) card 120, as well as the self-generation of the coupon through the coupon generation information acquired by the client on / offline. It is possible to include in the coupon to generate the authentication data of the client recorded in the IC (Integrated Circuit) card 120 at the time of generating the coupon, the use of the coupon through the IC (Integrated Circuit) card 120 is made later When lost, it helps to facilitate the authentication of coupons more conveniently and securely.

In addition, the coupon generation agent program 500 is a personal information linked type (name (ID), or address, or social security number (business registration number), or a wireless terminal number or credit card and other card numbers included therein according to the present invention) Forms associated with the personal information data (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number included therein) in order to generate coupons Include an algorithm for the implementation of the

The coupon generation information provider 505 provides coupon generation information on / offline and drives the coupon generation agent program 500 installed in the client system 105 using the provided coupon generation information, thereby corresponding to the coupon generation information. Helps to generate a coupon, and transmits the coupon generation information to the card company or coupon management system 100 to enable authentication when the client uses the coupon.

In addition, the coupon generation information provider 505 may be a card company (coupon operating system 100) that provides a coupon generation agent program 500, and may provide coupon generation information to the card company while being independently present. .

The coupon generation information provided by the coupon generation information provider 500 is a kind of code system that can be obtained by the client on / offline, and includes all letters, numbers, symbols, and the like, which are included in various media and can be delivered.

According to this figure, the client system 105 receives the coupon generation agent program 500 from the card company or coupon management system 100 to install (1). The coupon generation information provider 505 transmits the information for generating the coupon to the card company (coupon operating system) 100 to store in the coupon database 235 (2). Coupon generation information will be distributed online and offline.

When the client system 105 obtains the coupon generation information distributed by the coupon generation information provider 505 through on / off line (3), the client system 105 generates the coupon using the obtained coupon generation information. Run the agent program 500 to generate a personal information linked (including name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number associated form) coupons (4) The coupon generated by the coupon generation agent program 500 is generated is recorded on the IC (Integrated Circuit) card 120 through the card reader 115 (5).

According to the present invention, the IC (Integrated Circuit) card 120, personal information associated type (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other cards included therein) The coupon information can be recorded. The coupon information may be recorded in a format (name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and associated with personal information data as described above). It is possible to record by taking the other card number association form included therein, so that the authentication of the coupon may also be possible through the Value Added Network (VAN) 130, which handles credit card inquiry and authorization. I will.

When the recording of the information on the coupon is completed in the IC (Integrated Circuit) card 120, it is possible to use the coupon using the IC (Integrated Circuit) card 120. The IC (Integrated Circuit) card 120 is a credit card. When the client presents the card 120 to purchase a desired product (a product which has requested a coupon), the POS terminal 125 is displayed. Calculation and coupon information for the product is transmitted to the value added network (VAN) provider 130 for authentication (7).

The value added network (VAN) operator 130 is connected with a card company (coupon operating system) 100 to check the coupon information matching the card number information and card number information of the client to perform authentication (8). ). When the authentication for the IC card 120 is completed, the Value Added Network (VAN) provider 130 transmits the authentication details to the card company (coupon operating system) 100 (9). The card company (coupon operating system) 100 receiving the authentication details compares the coupon generation information received from the coupon generation information provider 505 with the coupon information, determines that the corresponding coupon has been used, and determines the use prohibition of the coupon, The reuse of the coupon is prohibited (10) and the use of the coupon is notified to the coupon generation information provider 505 (11).

When the client uses the coupon using the IC (Integrated Circuit) card 120 through the above process, the card company (coupon operating system) 100 checks and stores the usage record of the client, and the client subsequently stores the coupon. If you try to reuse the value added network (VAN) by checking the coupon information of the client transmitted through the operator 130 does not allow authentication verification. The non-authentication details are transmitted to the POS terminal 125 to disable the use of the IC (Integrated Circuit) card 120 coupon of the client.

When the above process is completed, the card company (coupon operating system) 100 transmits the authentication completion details to the POS terminal 125 through a value added network (VAN) (12), and the POS terminal 125 The payment processing and coupon use using the IC (Integrated Circuit) card 120 of the client is processed (13).

FIG. 6 is a simple flowchart illustrating a process of recording information about a coupon on an integrated circuit (IC) card 120 according to the second method of the present invention of FIG. 5.

Creation of a personal information linkage (including name (ID), or address, or social security number (business registration number), or wireless terminal number or credit card and other card number association forms included therein) coupons (or gift certificates and tickets, etc.) The possible coupon generation agent program 500 is installed and installed on the client system 105. The coupon generation information provider 505 distributes the coupon generation information on / offline, and the client system 105 obtains the coupon generation information for generating the coupon.

When the coupon generation information is acquired on / offline from the coupon generation information provider 505, the client system 105 generates a desired coupon by driving the coupon generation agent program 500 using the obtained coupon generation information. .

In the method of driving the coupon generation agent program 500 using the coupon generation information, when the coupon generation information is obtained online, in executing the coupon generation agent program 500, the coupon generation information is dragged and dropped. It may be possible by dragging or inputting a code (including letters, numbers, symbols, etc.) that can be included in the coupon generation information. The latter method is possible even offline.

When the coupon is generated by driving the coupon generation agent program 500, the generated coupon information is recorded on the IC (Integrated Circuit) card 120 through a card reader 115, the IC (Integrated Circuit) card ( Through 120 it is possible to use the coupon.

7 is an exemplary view in which coupon information is recorded on a mobile integrated circuit (IC) card 120 in a wireless network according to the present invention.

The figure is an embodiment in which a coupon (or gift certificate, ticket, etc.) according to the present invention is provided through a wireless communication device and a mobile IC (Integrated Circuit) card 120 inserted therein, the card company (coupon operating system) 100 Is connected to the mobile communication system 700. The wireless communication device may be a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), a smart phone, and Means all kinds of wireless communication device 705 including an IMT-2000 (International Mobile Telecommunication-2000) terminal.

The method of generating a coupon may be included in the method of FIG. 1 and FIG. 5 even in a wireless network, and in the case of the method of FIG. 1, the wireless communication device 705 is connected to the card company (coupon operating system) 100. A mobile IC (Integrated Circuit) card which a client selects a desired coupon (or a gift certificate, a ticket, etc.) and receives the wireless communication device 705 through the mobile communication system 700 and inserts the same into the wireless communication device 705. 120, the transmission of the generated coupon may be a short message service (SMS) or a long message service (LMS) and a multimedia messaging service (MMS). And it can be transmitted through the WAP (Wireless Application Protocol) Push or Callback Uniform Resource Locator (URL) method using the same.

In addition, in the case of the method of FIG. 5, the coupon generating agent program 500 is installed in the wireless communication apparatus 705 to acquire and drive coupon generation information on / offline using the wireless communication apparatus 705, thereby enabling wireless communication. The device 705 itself generates coupons (or gift certificates and tickets, etc.) and records them on the mobile integrated circuit (IC) card 120.

In addition, in a method of receiving a coupon generation agent program 500 from a coupon operation system 100 on a wireless network, the coupon management system 100 drops the coupon generation agent program 500 to the client wireless communication device 705. And the wireless communication device 705 accesses the coupon operation system 100 to download the coupon generation agent program 500. In the former method, a step of inputting a telephone number of the corresponding wireless communication device 705 in the coupon operation system 100 is added, and in the latter case, the wireless communication device 705 is provided to the coupon management system 100. A step of requesting the transmission of the coupon generation agent program 500 is added.

According to the present invention, by providing a coupon using an IC (Integrated Circuit) card, the client has an advantage that does not need to output the coupon every day as before. In addition, the card provider has an advantage that by increasing the sales of the card by mounting the coupon information on the IC (Integrated Circuit) card, which can naturally promote the client's use of the card.

Claims (46)

Receiving a coupon (all certificates including a gift certificate and a ticket) selection information data from a client and generating a personal information linked coupon with reference to the coupon selection information data; Transmitting the generated coupon to the client system; And And a third step of recording information on the coupon transmitted to the client system to the IC card through a card reader. The method of claim 1, Providing information about personal information linked coupons (all certificates including gift certificates and tickets) recorded on the IC card or a value added network (VAN) company connected to a point of sales (POS) system or the coupon (or Operating) personal information linked coupon operation method using the IC card, characterized in that further comprising the fourth step of performing the transmission and authentication to the person. The method according to claim 1 or 2, And a fifth step of transmitting the authentication information of the personal information linked coupon (all certificates including a gift certificate and a ticket) recorded in the IC card to the coupon provider (or the operator). How to operate a personal information linked coupon using an IC card. A first step of recording information on personal information linked coupons (all certificates including gift certificates and tickets) on the IC card; A second step of transmitting information on the personal information linked coupon recorded in the IC card to a value added network (VAN) operator or a provider (or operator) of the coupon connected to a point of sales (POS) system; And And a third step of authenticating information on the personal information linked coupon recorded in the IC card through the Value Added Network (VAN) operator or the coupon provider. Personal information linked coupon operation method using. Receiving a coupon (all certificates including a gift certificate and a ticket) selection information data from a client and generating a personal information linked coupon with reference to the coupon selection information data; Transmitting the generated coupon to the client system; And A third step of recording information on the coupon transmitted to the client system to an IC card through a card reader; A fourth step of transmitting the information on the personal information linked coupon recorded in the IC card to a Value Added Network (VAN) operator or a coupon provider (or operator) connected to a Point of Sales (POS) system; And And a fifth step of authenticating information on the personal information linked coupon recorded in the IC card through the Value Added Network (VAN) operator or the coupon provider. Personal information linked coupon operation method. The method according to claim 1 or 2 or 3 or 4 or 5, wherein the personal information linked coupon, Personal information linked coupon using an IC card, characterized in that associated with all the personal information data of the client, including the client's name (ID), or address, or social security number (business registration number), or wireless terminal number Operating method. The method according to claim 1 or 2 or 3 or 4 or 5, wherein the personal information linked coupon, Personal information-linked coupon operation method using the IC card, characterized in that associated with the client holding (credit) card information data The method according to claim 1 or 2 or 3 or 4 or 5 or 7, wherein the personal information linked coupon, Personal information linked coupon operating method using an IC card, characterized in that consisting of a credit card and other card number system. Generating a coupon (all certificates including a gift certificate and a ticket) generating agent and providing the coupon generating agent to a client system; A second step of receiving coupon information data from a coupon provider on an on / off line and providing the same to the client system; Generating a coupon (all certificates including a gift certificate and a ticket) using the coupon information data from the coupon generating agent; The fourth step of recording the generated coupon information on the IC card through a card reader; Coupon operation method using an IC card comprising a. The method of claim 9, Information about the coupon (all certificates including the gift certificate and the ticket) recorded on the IC card is transmitted to a value added network (VAN) provider connected to a Point of Sales (POS) system or the coupon provider (or operator). Coupon operating method using an IC card, characterized in that further comprises the fourth step of performing the transmission and authentication. The method according to claim 9 or 10, Using the IC card, characterized in that it further comprises; a fifth step of transmitting the authentication information of the coupon (all certificates including the gift certificate and ticket) recorded on the IC card to the coupon provider (or operating) How Coupons Work. Generating a coupon (all certificates including a gift certificate and a ticket) generating agent and providing the coupon generating agent to a client system; A second step of receiving coupon information data from a coupon provider on an on / off line and providing the same to the client system; Generating a coupon (all certificates including a gift certificate and a ticket) using the coupon information data from the coupon generating agent; A fourth step of recording the generated coupon information on an IC card through a card reader; A fifth step of transmitting information about the coupon recorded on the IC card to a Value Added Network (VAN) provider connected to a Point of Sales (POS) system or the coupon provider (or operator); And And a sixth step of authenticating information about the coupon recorded in the IC card through the Value Added Network (VAN) provider or the coupon provider. . The method according to claim 9 or 12, wherein the coupon (all certificates including gift certificates and tickets) information data, Coupon operating method using an IC card, characterized in that comprises a number, letters, or binary form. The method of claim 9 or 12, wherein the coupon (all certificates including a gift certificate and a ticket) generating agent transmission path is: Route using wired and wireless Internet, Route using a local area network such as Bluetooth or WLAN, Coupon operating method using an IC card, characterized in that it comprises a route using a wired cable. The medium of claim 9 or 12 or 14, wherein the coupon (all certificates including a gift certificate and a ticket) information data delivery medium is: Server media on wired and wireless internet, or Over-the-air broadcast media such as TV, radio, or Coupon operation method using an IC card, characterized in that it comprises a printed medium such as newspapers, magazines. 15. The method of claim 9 or 12 or 14, wherein the step of providing the coupon (all certificates including gift certificates and tickets) information data, If you provide directly through wired or wireless internet, When providing through a local area network such as Bluetooth or WLAN, With a wired cable, When the user of the wireless communication device directly inputs an authentication code; A method of operating a coupon using an IC card, characterized in that it comprises a case of automatically recognizing through an authentication code recognition device (including a digital camera mounted on the wireless communication device) mounted on a wireless terminal. The method according to claim 9 or 12, wherein the coupon (all certificates including gift certificates and tickets), Personal information linked coupon operating method using an IC card, characterized in that is made in connection with personal information data. The method according to claim 9 or 12 or 17, wherein the coupon (all certificates including gift certificates and tickets), The method of operating a personal information linked coupon using an IC card, characterized in that associated with all the personal information data of the client, including the client's name, address or social security number (business registration number), or wireless terminal number. The method according to claim 9 or 12 or 17, wherein the coupon (all certificates including gift certificates and tickets), Personal information linked coupon operating method using an IC card, characterized in that associated with the client holding (credit) card information data. The method according to claim 9 or 12 or 17, wherein the coupon (all certificates including gift certificates and tickets), Personal information linked coupon operating method using an IC card, characterized in that consisting of a credit card and other card number system. The method according to claim 1 or 4 or 5 or 9 or 12, The generated coupon (all certificates including a gift certificate and a ticket) information (coupon issuance date, coupon serial number, coupon expiration date, all information on the coupon including the coupon use merchant, coupon value) data and the coupon receiving client information And matching and storing data (name (ID), address, or social security number (business registration number), or wireless terminal number, all information of the client including the card information held). How to operate a (personal information linked) coupon using an IC card. The method according to claim 1 or 4 or 5 or 9 or 12 or 21, Receive data and information on the generated coupon (all certificates including vouchers and tickets) (coupon issuance date, coupon serial number, coupon expiration date, coupon use merchant, all information about the coupon including coupon value) Client information (name (ID) or address, or social security number (business registration number), or wireless terminal number, all information of the client including the card information held) matching data stored in the use of the coupon The method of operating a coupon (personal information linked) using an IC card, characterized in that further comprising the step of performing the client authentication process according to. The method according to claim 1 or 4 or 5 or 9 or 12, When the authentication process according to the use of the coupon (all certificates including a gift certificate and a ticket) is completed, the IC card further comprises the step of transmitting the authentication details to the coupon provider, notifying that the coupon has been used. (Personal information linked) coupon operation method using. The coupon (all certificates including a gift certificate and a ticket) according to claim 1 or 4 or 5 or 9 or 12, (Personal information linked) coupon operation method using an IC card, characterized in that used for one-time use. 13. The method of claim 1 or 4 or 5 or 9 or 12, wherein the client system, Means an Internet terminal capable of accessing the Internet or a client operating the Internet terminal, and is capable of inserting an IC (Integrated Circuit) card, and includes a card reader that functions as an interface or is connected separately. How to operate a (personal information linked) coupon using an IC card. 13. The method of claim 1 or 4 or 5 or 9 or 12, wherein the client system, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smartphones, and IMT-2000 (International) A method of operating a (personal information linked) coupon using an IC card, characterized in that it comprises all kinds of wireless communication devices (or wireless terminals) including Mobile Telecommunication-2000). 13. The method of claim 1 or 4 or 5 or 9 or 12, wherein the client system, An application program for supporting reading / writing of information data recorded on the IC card is mounted. The method according to claim 1 or 4 or 5 or 9 or 12, wherein the coupon provider (or operation), A method of operating a (personal information linked) coupon using an IC card, comprising a mobile carrier, a financial institution such as a bank or credit card company, a membership card issuing agency, or a maker capable of issuing a coupon. A coupon generation module for receiving a coupon (all certificates including a gift certificate and a ticket) selection information data from a client and generating a personal information linked coupon with reference to the coupon selection information data; A coupon transmission module for transmitting the generated coupon to the client system; And And an application program distribution module for recording information on the coupon transmitted to the client system to an IC card through a card reader. The method of claim 29, wherein the application program distribution module, Providing an application program for recording or reading information on an IC (Integrated Circuit) card; And Personal information-linked coupon management system using an IC card, characterized in that it further comprises; a function for processing periodic updates and security of the distributed application program. 30. The system of claim 29, wherein the coupon (all certificates including vouchers and tickets) operating system, Providing information about personal information linked coupons (all certificates including gift certificates and tickets) recorded on the IC card or a value added network (VAN) company connected to a point of sales (POS) system or the coupon (or Personal information linked coupon operating system using an IC card, characterized in that further comprising an authentication confirmation module for transmitting and authentication to the operator. 30. The system of claim 29, wherein the coupon (all certificates including vouchers and tickets) operating system, Personal information linked coupon operating system using an IC card, characterized in that further comprising a payment processing module for performing a payment processing according to the use of the IC (Integrated Circuit) card containing the coupon information. 30. The system of claim 29, wherein the coupon (all certificates including vouchers and tickets) operating system, A subscriber database for storing the client information and card information issued to the client (including a card number, a card product name, a password, and a card limit amount); And And a coupon database for storing information about the coupon provided to the client and matching the information with the client information and card information (including card number, card product name, password, and card limit amount) issued to the client. Personal information linked coupon operating system using an IC card. 30. The system of claim 29, wherein the coupon management system is IC card characterized in that it further comprises a means for transmitting the authentication information of the personal information linked coupon (all certificates including a gift certificate and a ticket) recorded on the IC card to the coupon provider (or operation). Personal information linked coupon management system. 30. The system of claim 29, wherein the coupon management system is And a means for generating a coupon (all certificates including a gift certificate and a ticket) generating agent and providing the coupon generating agent to a client system. 36. The method of claim 29 or 35, wherein the coupon management system, Means for receiving coupon information data from a coupon provider on an on / off line and providing the same to the client system; And And means for generating a coupon (all certificates including a gift certificate and a ticket) using the coupon information data from the coupon generation agent. 30. The system of claim 29, wherein the coupon management system is The generated coupon (all certificates including a gift certificate and a ticket) information (coupon issuance date, coupon serial number, coupon expiration date, all information on the coupon including the coupon use merchant, coupon value) data and the coupon receiving client information Means for matching and storing data (name (ID) or address, or social security number (business registration number), or all information of the client including a wireless terminal number and card information held); And Receive data and information on the generated coupon (all certificates including vouchers and tickets) (coupon issuance date, coupon serial number, coupon expiration date, coupon use merchant, all information about the coupon including coupon value) Client information (name (ID) or address, or social security number (business registration number), or wireless terminal number, all information of the client including the card information held) matching data stored in the use of the coupon Means for performing the client authentication process according to the personal information linked coupon operating system using an IC card. 37. The coupon operating system according to claim 29 or 35 or 36, Personal information linked coupon management system using an IC card, characterized in that used for one-time use. 37. The client system of claim 29 or 35 or 36, wherein the client system comprises: Means an Internet terminal capable of accessing the Internet or a client operating the Internet terminal, and is capable of inserting an IC (Integrated Circuit) card, and includes a card reader that functions as an interface or is connected separately. Personal information linked coupon management system using IC card. 37. The client system of claim 29 or 35 or 36, wherein the client system comprises: Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smartphones, and IMT-2000 (International) Personal information-linked coupon management system using an IC card, characterized in that it comprises all kinds of wireless communication devices (or wireless terminals) including Mobile Telecommunication-2000). 37. The client system of claim 29 or 35 or 36, wherein the client system comprises: Personal information linked coupon operating system using an IC card, characterized in that the application program for supporting the reading / writing of the information data recorded on the IC card is mounted. 37. The coupon operating system according to claim 29 or 35 or 36, A personal information linked coupon operating system using an IC card, comprising a mobile carrier, a financial institution such as a bank or credit card company, a membership card issuing agency, or a maker capable of issuing a coupon. 37. The coupon according to claim 29 or 35 or 36, wherein the coupon (all certificates including gift certificates and tickets) are: Personal information linked coupon operating system using an IC card, characterized in that is made in connection with personal information data. 44. A coupon according to claim 29 or 35 or 36 or 43, wherein the coupon (all certificates including gift certificates and tickets) are: Personal information linked coupon using an IC card, characterized in that associated with all the personal information data of the client, including the client's name (ID), or address, or social security number (business registration number), or wireless terminal number Operating system. 44. A coupon according to claim 29 or 35 or 36 or 43, wherein the coupon (all certificates including gift certificates and tickets) are: Personal information linked coupon operating system using an IC card, characterized in that the client card (credit) is linked to the card information data. 44. A coupon according to claim 29 or 35 or 36 or 43, wherein the coupon (all certificates including gift certificates and tickets) are: Personal information linked coupon management system using an IC card, characterized in that consisting of a credit card and other card number system.