KR20040055865A - Method of on-line settlement using discount coupons transformed from gift certificates - Google Patents

Abstract

PURPOSE: An online settlement method applying a discount coupon changing a gift certificate is provided to solve the inconvenience that a customer holds the discount coupon when the customer buys goods by applying the discount coupon for the online settlement of the customer as converting a predetermined ratio of the gift certificate into the discount coupon and storing it in a database. CONSTITUTION: A discount coupon file is generated by dividing the prepaid price into the predetermined ratio after a payment company prepays the price to the distributor(S420). The discount coupon file is allotted to a member ID number of the payment company and the information is stored by generating a discount coupon database in a discount coupon/real transaction settlement server of the payment company(S440). If the member receiving the discount coupon wants to use the discount coupon, a settlement terminal of the distributor reads the member ID number from an online settlement medium, and requests the goods price settlement by transmitting a settlement request price and the member ID number to the discount coupon/real transaction settlement server.

Description

Method of on-line settlement using discount coupons transformed from gift certificates}

The present invention relates to a method in which a consumer purchases a product and receives a discount coupon at the time of online payment, and pays the product price. The discount coupon is converted into a discount coupon after purchasing a gift certificate of a distributor.

Generally, credit card / debit card / prepaid card / point card / simple membership card / online payment company that provides communication service offers customers gift certificates or discount coupons to specific distributors through marketing means such as recruiting members and increasing membership utilization rate. To provide. In order to provide the gift vouchers or discount coupons to the members, these companies purchase them in advance from certain distributors, and the online payment companies tend to prefer to purchase discount coupons from the distributors among the gift vouchers and discount coupons. . Because, in the case of a discount coupon, unlike a gift certificate, when a member who receives a discount coupon as a form of post-pay payment uses a discount coupon after purchasing a product from a specific distributor, the discount coupon is settled later with the retailer. This is because the company only pays for discount coupons. Also, if you purchase a gift certificate at a certain marketing cost (e.g. total cost of 100 million) (e.g. 10,000 denominations of face value), only a relatively small number of members (e.g. 10,000) will have the benefit of discount coupons. This is because the same cost can be provided to the benefit of a relatively large number of members to maximize the advertising effect.

However, distributors prefer to sell vouchers rather than discount coupons. By providing vouchers to online payment companies and receiving payments in advance, they can maintain an easy flow of funds. They tend to prefer voucher sales because they can expect to earn money.

Therefore, in providing online vouchers and discount coupons to specific retailers for marketing purposes, such as recruitment and membership utilization, retailers tend to prefer to sell vouchers to online payment companies. On the other hand, online payment companies tend to prefer to buy discount coupons from retailers, so a reasonable solution was required.

On the other hand, there are several ways to provide the above discount coupons to the customer, firstly, if the discount coupon is printed on the type of paper, such as to provide to the customer or put the discount coupon in the banner form on the Internet site customer This is to print and use it. However, this is inconvenient to keep the discount coupon printed by the customer to carry when purchasing the product. In addition, the discount coupon has a nature of cash when purchasing a product, there is a fear that a third party who has acquired the discount coupon in addition to the customer provided with the discount coupon may use it.

The second method is to present a discount coupon on the display of the communication terminal and present it when purchasing a product. However, this is inconvenient for the consumer to select a discount coupon of the discount target product of the distributor by accessing the specific content when purchasing the product.

As a third method, as described in Korean Application No. 10-2001-0039897, distribution of member's unique numbers such as credit card number, debit card number, prepaid card number, telephone number, etc. of customer who requested to use discount coupon of specific distributor There is a method to store in the merchant database DB so that the customer can visit the merchant and get a discount when purchasing the product. However, this is inconvenient for the customer to make a request for using a discount coupon for a specific retailer through the online payment company's website, etc., and also, the online payment company has to store the request in the merchant DB in advance. There is this.

In order to solve the above problems, the present invention has been proposed, and an online payment company using a discount coupon as a marketing means prepays a predetermined amount to a specific distributor or purchases a gift certificate of the distributor, and then stores the discount coupon database. The purpose of this is to convert the data into a customer's information and input it into a computer so that the customer can purchase the product from the distributor and receive a discount coupon at the time of online payment. In addition, the retailer's gift certificate is converted into a discount coupon of the online payment company and provided to the consumer, thereby satisfying the needs of the retailer and the online payment company and providing a new marketing means of discount coupon payment using online. It is done.

1 is a block diagram illustrating an internal configuration of a distributor payment terminal.

2 is an internal configuration block diagram of a payment company discount coupon / real transaction payment server.

3 illustrates a database required when a distributor and a payer make a payment using a discount coupon.

4 illustrates a process of generating a discount coupon database after prepaying a purchase price.

5 illustrates a process of generating a discount coupon database after purchasing a gift certificate.

6 and 7 show an example of a discount coupon file.

8 and 9 are flowcharts illustrating a payment process using a discount coupon directly between a distributor and a payer.

10 illustrates a database required when a broker intervenes between a distributor and a payer to make a payment using a discount coupon.

11 is a flowchart illustrating a process of making a discount coupon and a real transaction payment through a distributor, a payer, and an broker.

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

S800: Payment Request S802: Discount Coupon DB Search

S804: Is there a valid discount coupon?

S806: Modify discount coupon DB and record discount coupon history

S808: Determination of Outstanding S810: Approved Outstanding Amount

S812: Payment History Collection

S814: Payment completion and discount coupon history log DB record

In order to achieve the above object, two methods for the online payment method to which the discount coupon is applied. One is a method of providing online payment with a discount coupon by a distributor providing a product and a payer who pays the purchase price, and the other is a mediator between the distributor and the payer although the actual payment is performed by an existing payer. By placing a discount coupon payment to be. By having a broker, the payer can reduce the burden of managing the discount coupon database, pay the discount coupon, and make a payment later.The distributor can make payment with the payer easier through the broker. There is an advantage.

First, when a distributor and a payer make an online payment directly, the payer assigns a discount coupon to his or her member number by making a discount coupon corresponding to the amount by paying a certain amount in advance or purchasing a gift certificate. do. After that, the customer is notified of the discount coupon provided by e-mail, homepage, SMS service, and various mails. When the customer finds out that the discount coupon is provided, he / she purchases tangible and intangible products from a distributor to which the discount coupon is applied, and then requests an online payment for the purchase price. The payment terminal of the distributor reads the member's unique number from the online payment medium presented by the customer and transmits it to the payer's discount coupon / real transaction payment server together with the payment request amount. The payer's discount coupon / real transaction settlement server reduces the purchase price by the amount of the discount coupon assigned to the received member's unique number and performs general real transaction settlement such as credit payment for the remaining outstanding purchase price.

In the second method, when the broker exists and performs the discount coupon payment, when the online payment request is made from the distributor, the discount coupon payment is performed by the broker and the remaining payment is performed by the payer. In addition, the brokerage management is characterized in that various databases for discount coupon payment.

The payment terminal of the distributor refers to a terminal that makes an online payment request to a discount coupon / real transaction payment server of a payer, and the discount coupon / real transaction payment server of a payer is a server that applies a discount coupon.

Online payment refers to payment for purchases using payment media such as credit card, debit card, prepaid card, loyalty card, membership card, communication terminal, etc., and purchase price including both applying / not applying discount coupon. Says payment.

In addition, a distributor is an offline or online distributor that provides a product (goods, services) to a consumer, and the consumer purchases the product through the distributor and pays cash / gift certificate / discount coupon / credit card / debit card / prepaid card / point. The purchase price for the corresponding purchased product is paid using various online payment methods such as a card. Goods are goods and services including all tangible and intangible forms such as tangible and intangible goods and services. A payment company is a company that provides a payment method when a consumer purchases a product.When a consumer requests a payment for a purchase using a credit / debit / prepaid / communication terminal / reward card or a simple membership card, the payment company receives a payment from a distributor. Receive the member's unique number, such as the customer's card number and phone number, to process the payment with credit limit, bank account balance, recharge balance, communication fee, and points available, or simply provide benefits for membership members.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the internal configuration of a distributor payment terminal.

The input unit 140 is a function unit for receiving an online payment request such as whether to use a discount coupon, a payment request amount, or an installment. When the customer reveals the intention to use the discount coupon, the user can notify the discount coupon / real transaction payment server of the discount coupon / real transaction payment server by pressing a specific key in the payment terminal.

The card reader unit 150 receives a payer code, a member unique number such as a card number from a payment medium such as a card, and the received member unique number is transmitted to a discount coupon / real transaction payment server of a payer to approve payment. Used for poetry. Here, the card is a financial transaction card such as a credit / debit / prepaid / point / simple membership card, and the material includes all of a general MS (Magnetic Strip) card, Chip (RF, IC, Smart) card and barcode card.

The display unit 110 is a user display interface that displays a payment process to the user. The display unit 110 displays the payment approval details, the installment approval details, the tax addition details, and the like.

The data communication unit 120 is a function unit that is in charge of data communication with a payment server or a broker's payment server, and the controller 100 controls each of the above functions so that the payment terminal can perform online payment.

Discount coupon history log DB 130 is a place to store the discount coupon approval history that has been transmitted from the paying company or broker when the payment settlement by the discount coupon is made. The log records stored in this way are used for later settlement. The details to be stored will be described in detail when describing the database in FIG. 3.

2 is a diagram illustrating the inside of a payer's discount coupon / real transaction payment server when performing a discount coupon and real transaction payment while directly managing the discount coupon DB in the payer's discount coupon / real transaction payment server.

The data communication unit 210 is a function unit that is responsible for data transmission and reception with the payment terminal of the distributor, the control unit 200 performs a discount coupon payment approval and real transaction payment approval by embedding a flow for payment approval.

Customer DB 220 is a database that contains information such as a member unique number for paying customers, discount coupon DB 230 is a database containing basic information about the discount coupon, discount coupon history DB 240 This is where the approval details are stored in the discount coupon when the approval payment for the use of the discount coupon is made. The database will be described in detail with reference to FIG. 3.

If the broker is present between the distributor and the payer to perform the discount coupon payment, the discount coupon DB 230 and the discount coupon history DB 240 should be managed by the discount coupon payment server of the broker.

FIG. 3 illustrates a database that must be managed by a distributor payment terminal and a payment company's discount coupon / real transaction payment server when performing a discount coupon and a real transaction payment by directly managing a discount coupon DB on a payment company's discount coupon / real transaction payment server.

When a discount coupon / real transaction payment request is made at the distributor payment terminal, the payment company discount coupon / real transaction payment server performs payment for the discount coupon and actual payment to approve the payment for the transaction and transfers the payment details to the payment terminal of the distributor. In order to perform this operation, the payment terminal of the distributor and the discount coupon / real transaction payment server of the payer have a predetermined database. That is, the payer's discount coupon / real transaction payment server includes a customer DB 220, a discount coupon DB 230, a discount coupon history DB 240, and a payment terminal of the distributor includes a discount coupon history log DB 130, respectively. . The discount coupon / real transaction payment server of the payer is a computerized payment server that performs the actual payment by subtracting the discount coupon and the discount coupon amount, and the payment terminal of the distributor is a credit card, a debit card, a prepaid card, a point card, a simple membership card. And a terminal for requesting payment to a discount coupon / real transaction payment server of a payer by reading a corresponding member unique number from a consumer online payment medium such as a communication terminal.

The customer DB 220 in the payer discount coupon / real transaction payment server is a database in which customer information for online payment is stored and managed. If the payer performs a credit card (debit card / prepaid card) payment, the customer DB 220 Various customer information such as credit card (debit card / prepaid card) number, credit limit (bankbook balance / charge balance), name (name), expiration date, customer address, telephone number, social security number, black list (BL) information Is stored. If the payer is a telecommunications service provider and performs online payment through a communication fee, the customer DB includes the customer's communication phone number instead of the credit card number. The customer DB is used to generate a discount coupon DB by assigning a member unique number such as a credit card number or a communication terminal telephone number in the customer DB to the discount coupon.

Discount coupon DB 230 is a database that stores the discount coupon information provided to the customer, including a member unique number, discount coupon number (gift certificate number), distributor code and product code, discount coupon amount, expiration date, cumulative use amount .

The member unique number is a unique number such as a credit / debit / prepaid / communication terminal / point card and a simple membership card, and corresponds to each card number and a telephone number of a communication terminal. That is, the member unique number is a unique number of all payment media that can be used for online payment, and is used as a key for payment when a customer wants to use a discount coupon for a card or communication payment when purchasing a product. . In the above, the card refers to a general MS (Magnetic Strip) card, Chip (RF, IC, Smart) card, including a bar code card, and the communication terminal is a wired or wireless that can perform payment of goods purchases It includes all communication terminals.

A discount coupon number is a serial number of a discount coupon provided to each customer.The number of discount coupons provided to customers by payer paying a certain purchase price in advance from a distributor and dividing the purchase price into a discount amount according to a predetermined ratio. to be. If the payer purchases the gift certificate of the distributor from the distributor and converts it into a discount coupon and provides it to the customer, the coupon number may be used as the discount coupon number. Such a discount coupon number generation and allocation method will be described in detail in a flowchart of generating a discount coupon DB of FIGS. 4 and 5 to be described later.

The distributor code and the product code are serial codes for distributors and products to which the discount coupon is applied, and the expiration date refers to the period during which the discount coupon can be used. The discount coupon amount refers to the amount of the first discount coupon provided to the customer by the payer, and the cumulative use amount is an amount indicating how much discount coupon the customer used from the discount coupon amount provided to the customer. If the customer has used all the discount coupon amount, the discount coupon amount and the cumulative use amount will coincide. If some portion of the discount coupon amount is used several times, the total cumulative amount of the used amount is stored in the accumulated use amount. Therefore, the cumulative usage amount is updated to reflect the details whenever the customer uses the discount coupon.

Meanwhile, the method of generating the coupon DB will be described later with the flowcharts of FIGS. 4 and 5.

The discount coupon history DB 240 is a history database that stores in detail when, where, and how much the customer has used the discount coupon amount provided to the customer. To this end, in the discount coupon history DB, a member unique number, discount coupon number, date of use, amount of use, distributor code and product code used are recorded and stored for each number of discount coupons. That is, the cumulative use amount in the discount coupon DB is stored only the total amount of coupons used by the customer, while the discount coupon history DB here is where the discount coupon use history used by the customer is stored in detail for each use number. The discount coupon history DB can be used to investigate detailed usage history at a later time when the discount coupon use price is settled, and can also be used in marketing development by grasping customer consumption patterns.

Discount coupon history log DB (130) is a database that the payment company has in order to preserve the payment details itself in the distribution company if the payment is sent to the distributor with approval approval. To this end, the discount coupon history log DB stores member identification information, discount coupon number, date of use, amount used, payer code, distributor code and product code for each transaction. In the above, the member identification information includes general identification information about the member, such as the date of birth, age, name of the member who is a user. If a member information protection agreement is made between the distributor and the payer, the member's unique number may be included. The discount coupon history log DB in the distributor and the discount coupon history DB in the payer are used for settlement with the payer.

4 and 5 are flowcharts illustrating a process of creating a discount coupon DB described with reference to FIG. 3. 4 illustrates a process of generating a discount coupon DB when the payer pays a predetermined purchase price to the distributor, and FIG. 5 illustrates a process of generating a discount coupon DB when the payer purchases a certain amount of gift certificates from the distributor. It is shown.

Looking at the process of Figure 4 to generate a discount coupon by prepaying a certain purchase price to the distributor, first, the payer prepays a predetermined purchase price to a specific distributor (S410). Here, the purchase price paid in advance is not the purchase price paid by the payer by purchasing certain tangible or intangible goods from the distributor, but the amount paid by the customer to whom the discount coupon is purchased from the distributor. The amount paid in advance. After paying a predetermined purchase price to the distributor in advance, the payer generates a discount coupon DB corresponding to the purchase price. For this purpose, a discount coupon file is first generated (S420). An example of a discount coupon file is shown in FIG. 6, wherein the discount coupon file includes a discount coupon number 610, a discount coupon amount 620, an issue date 630, an expiration date 640, a distributor code 650, and a product code ( 660). The discount coupon file allocates a coupon amount for each discount coupon number, and specifies the issue date, expiration date, distributor code for using the discount coupon, and a product code for using the discount coupon. The discount coupon amount in the discount coupon file is generated using parameters such as prepaid purchase price, split amount, and utilization rate. The split amount refers to the discount coupon amount to be provided to the customers by dividing the purchase price, and the utilization rate is an estimated percentage of how much the discount coupon provided to the customers will be used. Decide on your audience and your usual buying habits.

If the usage rate is 50%, only half of the customers who receive the discount coupon will use the discount coupon. For example, if the prepayment is 1 million won, the installment amount is 10,000 won, and the utilization rate is 50%, the purchase price is not 1 million won divided by 100 pieces of 10,000 won discount coupons. . Therefore, as shown in FIG. 4, 200 million won discount coupon numbers (001-0001 to 001-0200) can be generated with a prepaid purchase price of one million won. However, if the actual use rate is 60% after the discount coupon is issued in the future, and the use of discount coupon of 1.2 million won occurs at the distributor, the payer should pay the distributor additional 200,000 won, which is over 10% of the expected use rate. This is a reasonable method considering that the payment company made a mistake in calculating the discount coupon utilization rate and that the paying company had a marketing effect.

When the discount coupon file is generated as described above, the customer is selected to receive the discount coupon and the member unique number for the corresponding customer is detected in the customer DB (S430). The discount coupon DB is generated by assigning the detected member unique number to each discount coupon number of the discount coupon file (S440). Meanwhile, the discount coupon DB generation may be assigned to a discount coupon number for each member instead of allocating a member unique number to a discount coupon number. For example, by assigning a member's social security number to a discount coupon number, a particular member may have discounted benefits even if he or she holds several cards and uses any of them as a payment method.

5 is a flowchart illustrating a process of converting a certain amount of a gift certificate from a distributor and converting it into a discount coupon. In general, distributors prefer to receive vouchers by selling vouchers rather than prepaying collectively. This is because the distributors tend to prefer the sale of gift certificates because they can expect to earn money from them when they are not used, as well as enhance their brand image and secure distribution. Therefore, the payer may generate a discount coupon by purchasing a gift certificate instead of prepaying a purchase price. As shown in step S410 of FIG. 4, the payer purchases a specific gift certificate instead of paying a predetermined amount based on the gift certificate. It is characterized by generating a discount coupon.

When the payer purchases the gift certificate from the distributor (S510), the gift certificate is computerized to create a gift certificate file (discount coupon file) (S520). Similar to generating the discount coupon file described with reference to FIG. 4, a gift certificate file (discount coupon file) is generated by applying the parameters of the gift certificate amount, the divided amount, and the utilization rate. 7 illustrates a configuration table of the gift certificate file, unlike the method of FIG. 6, which generates a discount coupon number after prepayment of a purchase price, the purchased coupon number may be included in the discount coupon number. For example, in the case of generating a gift voucher coupon file (discount coupon file) by applying a 10,000 won gift certificate with a number 001 and a 50% utilization rate, four discount coupons 710 are assigned to the gift certificate with the number 001 and thus 001- Four discount coupon numbers are generated: 0001, 001-0002, 001-0003, 001-0004. Similarly, if you create a discount coupon file by applying the gift voucher number 002 to the 100,000 won gift voucher for 5,000 won and 50% utilization rate, 40 discount coupons 720 are assigned to the voucher number 002, which is 002-0001, 002-0002, 002- 40 discount coupon numbers are generated, such as 0003, ........ 002-0040.

When the gift certificate file is generated as described above, a customer to receive a discount coupon is selected and a member unique number for the corresponding customer is detected in the customer DB (S530). A discount coupon DB is generated by inserting the detected member unique number into each discount coupon number of the gift certificate file or by inserting the detected member unique number into each discount coupon number of the gift certificate file (S540). Meanwhile, the discount coupon DB generation may be assigned to a discount coupon number for each member instead of allocating a member unique number to a discount coupon number. For example, by assigning a member's social security number to a discount coupon number, a certain member may have several cards and pay any of them.

You can get discount even if you use it.

FIG. 8 is a flowchart illustrating a process of paying a purchase price using a discount coupon only when the consumer reveals a discount coupon payment after purchasing the product at a retailer, and FIG. 9 is a case in which the consumer does not disclose the discount coupon payment intention. Edo is a flowchart illustrating a process of automatically paying the purchase price of the product to which the discount coupon is applied.

First, the flowchart of FIG. 8 is demonstrated. When a consumer purchases a product from a distributor and presents an online payment medium such as a credit card for online payment as a payment method, the distributor payment terminal receives the credit / debit / prepaid card number from the online payment medium and the telephone number of the communication terminal. Read member's unique number. The member's unique number read and the amount to be paid are sent to the payer's discount coupon / real transaction payment server to make a payment request (S800). At this time, when the consumer reveals the intention to use the discount coupon, a payment request combining the discount coupon and the real transaction payment is made (S850). If the consumer makes a general payment request (S860) without revealing the intention to use the discount coupon, the general payment is performed without searching for the existence of the discount coupon assigned to the corresponding consumer (S860). Not). The payment requests are performed by the payment terminal user when a user presses a specific key by a program set in the payment terminal of the distributor.

When there is a payment request using a discount coupon from a payment terminal of a distributor (S850), the discount coupon / real transaction payment server of the payer searches for a discount coupon DB that they have (S802). That is, on the basis of the member unique number transmitted from the payment terminal of the distributor, the discount coupon DB detects information on the discount coupon assigned to the member unique number.

As a result of the search, it is determined whether the discount coupon assigned to the member unique number is a valid discount coupon (S904). That is, it is determined whether the discount coupon or the balance exists or is within the expiration date, and whether the distributor code and product code for which the discount coupon payment request is made and the distributor code and product code in the discount coupon DB match. The discount coupon balance is calculated by subtracting the cumulative use amount from the discount coupon amount in the discount coupon DB. If the discount coupon amount and the cumulative use amount are the same, the discount coupon balance becomes 0 won. If it is determined that the discount coupon is not valid, an error message indicating that the discount coupon does not exist or the discount coupon exists but the balance is insufficient or the discount coupon is expired is transmitted to the payment terminal of the distributor. The distributor receives the message and informs the consumer (S816) to make a general credit settlement (S860).

On the other hand, if it is determined that there is a valid discount coupon as a result of the discount coupon DB search, the amount of the discount coupon is reduced from the amount requested for payment, the payment is corrected, the discount coupon DB is modified, and the transaction history is recorded in the discount coupon history DB. (S806). For example, update the cumulative use amount in the discount coupon DB to update with the new cumulative use amount, and use the member's unique number, discount coupon number, discount coupon use date, discount coupon use amount, use in the discount coupon history DB. Recorded distributors and product codes are stored. The discount coupon history DB may be used for settlement of a transaction between a distributor and a payer or may be usefully used in a marketing research to identify future customer purchasing habits.

After the modification is made to the discount coupon DB and the discount coupon history DB, it is determined whether all the purchase price of the product is paid by the discount coupon (S808). If the purchase price of the product is greater than the discount coupon amount and the entire purchase price of the product is not settled, a payment step (S810) is made for the outstanding amount. The approval for the above balance is the payment for the amount actually paid by the consumer, excluding the discount coupon amount, and the payment for the outstanding amount by the general payment method such as credit payment, direct payment, point benefit payment, etc. Is done. Upon approval of payment for the outstanding amount, payment details such as member identification information, discount coupon payment details (discount coupon number, date of use, amount used, distributor code and product code, payer code) and payment details for the outstanding amount are displayed. Collect (S812) and transmits to the distributor with a payment approval completion message. On the other hand, if there is no outstanding amount due to the completion of the product payment with the discount coupon amount and no additional payment is necessary, the payment details such as the member identification information, the discount coupon number, the date of use, the amount of use, the distributor code and the product code, and the payment company code are collected. (S812) and sends to the distributor with a payment approval completion message. In the above, the member identification information is information indicating who the customer has received the discount coupon and is general user information such as name, age, date of birth, and the like. If there is a shared contract for the member unique number between the distributor and the payer, the member unique number may be included in the member identification information.

The payment terminal of the distributor receives the payment approval completion message sent from the payer's discount coupon / real transaction payment server and completes the payment operation. In addition, in the payment history that has been transmitted from the payer together with the discount coupon payment data stored in his discount coupon history log DB (S814). That is, the member stores the member identification information, discount coupon number, date of use, amount used, distributor code and product code, and payment company code in the discount coupon history log DB. Ensure correct calculations are made at time of settlement.

As shown in FIG. 8, the online payment using the discount coupon may be performed only when the consumer reveals the intention to use the discount coupon, but the online payment using the discount coupon is automatically applied even when the consumer does not reveal the intention to use the discount coupon. The processing flow at this time is shown in FIG.

When the consumer makes a general payment request (S950), the payer's discount coupon / real transaction payment server searches (902) the discount coupon DB and determines whether a valid discount coupon exists (S904). As a result of the determination, when there is no valid discount coupon, general payment for the total amount is performed (S910). On the other hand, when there is a valid discount coupon, the discount coupon DB and the discount coupon history DB are modified (S906). After that, by subtracting the amount corresponding to the discount coupon from the product price and determining whether there is an outstanding balance (S908), if there is an outstanding balance, the remaining amount is paid (S910) and the payment details are transmitted to the distributor. If there is no outstanding amount, the discount coupon payment details are sent to the distributor. The distributor has an operation (S914) of modifying the coupon history log DB based on the payment details received.

On the other hand, as shown in Figures 8 and 9 it is inefficient compared to the original work of the payer to close the discount coupon transaction directly between the distributor and the payer and perform the settlement of payment in the future. That is, the payment company selects a distributor and a product to apply a discount coupon and then pays the product price or purchases a gift certificate to generate a discount coupon file, and generate a discount coupon DB and a discount coupon history DB. The load will be exceeded. In addition, it is inefficient for the paying company to perform the work that the payer must pay for the distribution company when the total use amount of the discount coupon exceeds the prepaid amount after the discount coupon transaction is missed. In order to eliminate such inconvenience, a broker is placed between the distributor and the payer to professionally process various discount coupon databases, discount coupon payment, and future settlement. An embodiment of such a configuration is illustrated in FIG. 11.

Before explaining the flowchart of FIG. 11 having a discount coupon payment server of a broker that performs a discount coupon payment between a payment terminal of a distributor and a real payment server of a payment company, a database that a discount coupon payment server of a broker should have generated and possessed. 10 is shown.

The discount coupon DB 1011 in the broker discount coupon payment server 1010 is a card / telephone number, discount coupon number, discount coupon amount, distributor and product code like the discount coupon DB in the payment coupon / real transaction payment server of FIG. , Expiration date, cumulative usage amount. The discount coupon history DB 1012 has a member unique number, a discount coupon number, a use date, a use amount, a distributor code, and a product code, similar to the discount coupon DB of the payer's discount coupon / real transaction settlement server of FIG. 3. However, unlike the discount coupon DB in the payer of Figure 3 further includes a payer code. Since the broker maintains and manages the discount coupon history DB, it is additionally provided with a code for the payment company that the card payment for the transaction is made. In addition, the discount coupon history log DB 1001 of the distributor payment terminal 1000 and the customer DB 1021 in the payment company real transaction payment server 1020 have the same configuration as the respective databases of FIG. 3.

On the other hand, when the method of generating the discount coupon DB, the broker or payer pays the purchase price to the distributor in advance or purchases a gift certificate to generate a discount coupon file based on this. When the discount coupon file is generated, the payer generates a discount coupon DB by inputting a member unique number into the discount coupon file. The payer sends the created discount coupon DB to the broker so that the broker pays the discount coupon and manages the discount coupon DB. Discount coupon DB generation method is generated by the same method as the flow of FIG.

11 is a flowchart of a discount coupon payment system based on a payment terminal of a distributor, a discount coupon payment server of a broker, and a real transaction payment server of a payment company. The payment flow of FIG. 11 is similar to the payment flow between the payment terminal of the distributor of FIG. 8 and FIG. 9 and the discount coupon / real transaction payment server of the payer.

There are two methods of receiving and requesting a payment request from a payment terminal of a distributor, as shown in FIGS. 8 and 9. One is to perform the payment applied to the discount coupon only when the intention to use the discount coupon (S1150a), and the other is to automatically perform the payment to the discount coupon even if the intention is not disclosed (S1150b).

When there is a payment request (S1150a, S1150b) from the payment terminal of the distributor, the discount coupon payment server of the broker searches for a discount coupon DB (S1102) and determines whether there is a valid discount coupon assigned to the member's unique number (S1104). . If it is determined that no valid discount coupon exists, an error message indicating that there is no valid discount coupon does not exist when a flow coupon (S1150a) is performed to perform the payment with the discount coupon only if the intention is revealed. In step S1116, even when the intention to use the discount coupon is not disclosed, the general payment is performed when the flow of the discount coupon is applied (S1150b).

On the other hand, if it is determined that there is a valid discount coupon has a step (S1106) of updating the discount coupon DB and recording the discount coupon history DB. When all payments are not completed because the discount coupon amount is less than the purchase amount, a real transaction payment request for the remaining amount is requested to the real transaction payment server of the payer. The payer's real transaction payment server sends a payment approval (S1110) for the member's unique number and the remaining payment amount received from the broker's discount coupon payment server and sends it to the broker's discount coupon payment server. If the payment company's discount coupon payment server collects payment details for the transaction (S1112) and sends it to the payment terminal of the distributor, the distributor completes the payment process and stores the payment details for the transaction in the discount coupon history log DB ( S1114).

The payment flow described above is similar to the payment flow between the distributor and the payer as shown in Figs. 8 and 9, but the flowchart and the biggest feature of Figs. 8 and 9 perform the discount coupon payment in the broker and In that it manages the database for. By performing the discount coupon payment and managing the database for the broker, it is possible to reduce the incidental burden of the discount coupon payment of the payer by processing the settlement problem between the distributor and the payer after the discount coupon is used. For example, when the discount coupon DB is settled and the discount coupon usage amount is greater than the prepaid purchase amount, the payer may settle the excess amount to be paid to the distributor, or the purchase amount paid by the discount coupon use amount. If it is smaller, a settlement operation may be performed to make the distributor's income or to return the remaining purchase amount to the payer.

Although the technical spirit of the present invention has been described in detail according to the above-described preferred embodiment, the above-described embodiment is for the purpose of description, and various ordinary embodiments of the present invention may be made by those skilled in the art. I can understand.

As described above, the present invention converts a gift certificate of a distributor into a discount coupon at a predetermined rate and inputs the computer so that the customer can receive a discount coupon at the time of online payment, so that the customer possesses a discount coupon at the time of purchasing the product. Not only do they solve the inconvenience, but also satisfy the needs of both distributors who prefer to sell gift certificates and payers who prefer to buy discount coupons. In addition, by managing the data about the use of discount coupons, it is possible to know the customer's consumption tendency, so that it can be usefully used in future marketing.

Claims (13)

In the method of performing an online payment between a distributor providing tangible and intangible goods and a payer performing online payment, A discount coupon file generation step of generating a discount coupon file by dividing the amount paid in advance by a predetermined rate after the payment company pays a predetermined amount to the distributor; Creating a discount coupon database for assigning the discount coupon file to a member unique number of the payer and storing the information in the discount coupon / real transaction payment server in the payer; If the member who received the discount coupon purchases a tangible or intangible product and expresses the intention to use the discount coupon at the time of online payment, the payment terminal of the distributor who performed the product reads the member's unique number from the online payment medium, and the member Requesting a payment for a product with a discount coupon by transmitting a unique number to the payer's discount coupon / real transaction payment server together with the payment request amount; If the discount coupon assigned to the member unique number received from the distributor payment terminal is not a valid discount coupon, an error message is sent to the payment terminal of the distributor and the payment process is terminated. A discount coupon payment step of performing a discount coupon payment by subtracting the discount coupon amount from When the payment for the payment is made as a result of the discount coupon payment, all payments for the discount coupon are sent to the payment terminal of the retailer. On the other hand, if the payment for the payment is not made, the payment is not made. After the payment for the payment history payment step for transmitting the discount coupon payment history and payment details for the actual transaction amount to the distributor payment terminal, Storing the discount coupon payment details received from the payment company discount coupon / real transaction payment server in a database in the payment terminal of the distributor; Online payment method applying a discount coupon with. In the method of performing an online payment between a distributor providing tangible and intangible goods and a payer performing online payment, A discount coupon file generation step of generating a discount coupon file by dividing the prepaid amount by a predetermined rate after the payer prepays a certain amount to the distributor; Creating a discount coupon database for assigning the discount coupon file to the member's unique number of the paying company and storing the information in the discount coupon / real transaction payment server in the paying company; The payment terminal of the distributor that performed the sale of the product at the time of online payment after the member who received the discount coupon purchased the product reads the member's unique number from the online payment medium, and converts the member's unique number into the discount coupon / Requesting to pay for the goods by sending it to the real payment server together with the payment request amount; If the discount coupon assigned to the member's unique number received from the distributor payment terminal is not a valid discount coupon, payment is made for the payment request amount and the payment details are sent to the distributor payment terminal to terminate the payment process. In the case of a coupon, a discount coupon payment step of performing a discount coupon payment by subtracting the discount coupon amount from the payment request amount; When the payment for the payment is made as a result of the discount coupon payment, all payments for the discount coupon are sent to the payment terminal of the retailer. On the other hand, if the payment for the payment is not made, the payment is not made. A payment history transmission step of transmitting the discount coupon payment details and the actual transaction payment details to a distributor payment terminal after performing a real transaction payment in the; Storing the discount coupon payment details received from the payment company discount coupon / real transaction payment server in a database in the payment terminal of the distributor; Online payment method applying a discount coupon with. In the method of performing an online payment between a distributor that provides tangible and intangible goods, a payment company that performs online payment, and an intermediary that assists online payment between the distributor and the payment company, A discount coupon file generation step of generating a discount coupon file by dividing the prepaid amount by a predetermined rate after the payer / broker prepays a certain amount to the distributor; Creating a discount coupon database for assigning the discount coupon file to a member unique number of the payer and storing the information in the discount coupon payment server in the broker and creating a discount coupon database containing information about the discount coupon database; If the member who has received the discount coupon has made a purchase, and has indicated the intention to use the discount coupon at the time of online payment, the payment terminal of the distributor who performed the product reads the member's unique number from the online payment medium, Requesting payment of a product price using a discount coupon by transmitting it to a discount coupon settlement server of a broker with a payment request amount; When the discount coupon database in the discount coupon payment server of the broker is searched and the discount coupon assigned to the member unique number received from the distributor payment terminal is not a valid discount coupon, an error message is sent to the payment terminal of the distributor. In the case of a valid discount coupon, on the other hand, in the case of a valid discount coupon, a discount coupon payment step of performing a discount coupon payment by subtracting the discount coupon amount from the payment request amount; When all the payment for the product is made as a result of the discount coupon payment, the payment details of the discount coupon are transmitted to the payment terminal of the distributor. On the other hand, when all the payment for the product is not made, the payment request is made for the unpaid amount. Sending to the payment server, Transmitting the actual transaction payment details to the discount coupon payment server of the broker after performing payment for the outstanding amount in the actual transaction payment server of the payer; A payment history transmission step of transmitting the discount coupon payment details approved by the broker discount coupon payment server and the actual transaction payment information received from the payment company actual transaction payment server to a distributor payment terminal; Storing the discount coupon payment history received from the broker discount coupon payment server in a database in the payment terminal of the distributor; Online payment method applying a discount coupon with. In the method of performing an online payment between a distributor that provides tangible and intangible goods, a payment company that performs online payment, and an intermediary that assists online payment between the distributor and the payment company, A discount coupon file generation step of generating a discount coupon file by dividing the prepaid amount by a predetermined rate after the payer / broker prepays a certain amount to the distributor; Creating a discount coupon database for assigning the discount coupon file to a member unique number of the payer and storing the information in the discount coupon payment server in the broker and creating a discount coupon database containing information about the discount coupon database; The payment terminal of the distributor that performed the sale of the product at the time of online payment after the member who received the discount coupon reads the member's unique number from the online payment medium, and the payment request amount together with the member's unique number Sending a discount coupon payment server to request payment of the goods; As a result of searching the discount coupon database in the discount coupon payment server of the broker, if the discount coupon assigned to the member unique number received from the distributor payment terminal is not a valid discount coupon, the actual transaction approval payment for the payment request amount is made. And the end of the payment process, on the other hand, in the case of a valid discount coupon, a discount coupon payment step of performing a discount coupon payment by subtracting the discount coupon amount from the payment request amount; When all the payment for the product is made as a result of the discount coupon payment, the payment details of the discount coupon are transmitted to the payment terminal of the distributor. On the other hand, when all the payment for the product is not made, the payment request is made for the unpaid amount. Sending to the payment server, Transmitting the actual transaction payment details to the discount coupon payment server of the broker after performing payment for the outstanding amount in the actual transaction payment server of the payer; A payment history transmission step of transmitting the discount coupon payment details approved by the broker discount coupon payment server and the actual transaction payment information received from the payment company actual transaction payment server to a distributor payment terminal; Storing the discount coupon payment details received from the distributor discount coupon payment server in a database in the payment terminal of the distributor; Online payment method applying a discount coupon with. The method according to any one of claims 1, 2, 3, and 4, wherein prepaying a certain amount to the distributor in the discount coupon file generation step includes a method of purchasing a voucher of the distributor. Online payment method applying discount coupons characterized by. The method according to any one of claims 1, 2, 3, and 4, wherein the amount of money divided by a predetermined ratio in the discount coupon file generation step provides a discount coupon and an amount to be divided from the total amount paid in advance. An online payment method applying a discount coupon, characterized in that the customer divides the amount based on the probability of using the discount coupon. The discount coupon file according to any one of claims 1, 2, 3, and 4, wherein the discount coupon file is a discount coupon number, discount coupon amount, discount coupon issuance date, discount coupon validity period. , Online payment method applying a discount coupon, characterized in that each discount coupon contains a distributor code and a product code that can use the discount coupon. The discount coupon database of any one of claims 1, 2, 3, and 4, wherein the discount coupon database is assigned to a member unique number provided with a discount coupon and a member unique number. Discount coupon number, discount coupon amount, discount coupon issuance date, discount coupon expiration date, distributor code and product code that discount coupons can be used, online payment applying discount coupons, including the cumulative use amount of discount coupons Way. According to any one of claims 1, 2, 3 and 4, the discount coupon payment step, Subtracting the discount coupon amount assigned to the member unique number from the payment request amount received from the distributor payment terminal; Updating the discount coupon amount used in the cumulative use amount in the discount coupon database; Storing the discount coupon payment history for the discount coupon used in the payment as a database on the discount coupon history; Online payment method applying a discount coupon, characterized in that it comprises a. 10. The method of claim 9, wherein in the step of storing as a database of discount coupon history, the payment details for the discount coupon, the discount coupon number used, the date of use, discount coupon use amount, distributor code and product code used discount coupon, Discount coupon online payment method applying a discount coupon, characterized in that it comprises a member's unique number of customers receiving payment. According to any one of claims 1, 2, 3 and 4, the discount coupon payment history in the payment history transmission step, the member identification information, discount coupon number, discount coupon used for online payment request Date, discount coupon use amount, distributor code and product code, online payment method applying a discount coupon, characterized in that it comprises a payer code that provides a discount coupon. The discount coupon online according to any one of claims 1, 2, 3, and 4, wherein the member unique number is a corresponding financial transaction card number when the payment is made in a financial transaction. Payment Method. The discount coupon according to any one of claims 1, 2, 3, and 4, wherein the member unique number is a telephone number of the communication terminal when the payment is made through the communication terminal. Online payment method.