KR20050006771A - Payment method using electronic coupon - Google Patents

Abstract

PURPOSE: A settlement method using an electronic coupon managed by a database on the online is provided to enable a user to automatically receive a discount merit of a settlement price on a credit settlement process by performing a commercial transaction with the electronic coupon. CONSTITUTION: An RF(Radio Frequency) receiver receives/transmits financial information of an IC chip to a member shop terminal(S110). The terminal transmits settlement data adding the settlement price and member shop information to the financial information to a VAN(Value Added Network) server(S120). The VAN server transmits the settlement data to a service server in case of a member of an electronic coupon service(S130). The service server searches a customer database by using the member ID. In case that the electronic coupon of the member shop is searched, a new settlement price is calculated by applying a corresponding discount rate. The service server requests a settlement approval to a card company server by transmitting the settlement data including the new settlement price through the VAN server(S140).

Description

PAYMENT METHOD USING ELECTRONIC COUPON}

The present invention relates to a payment method using an electronic coupon, and in particular, a payment method using an electronic coupon to automatically receive a discount of a payment amount in a credit settlement process during a commerce using an electronic coupon managed in an online database. It is about.

In addition, the present invention relates to a credit payment method using a mobile communication terminal having a built-in RF chip and an antenna that stores credit card information, the discount rate using an online electronic coupon received through the mobile communication terminal in the credit payment process It relates to a payment method of a mobile communication terminal to be applied.

Due to the universalization of mobile phones and the problem of possession and loss of credit cards, efforts have been made to add credit card functions to mobile phones.

As one of the payment settlement using such a mobile phone, KTF and SKT currently offer a service that allows users to make credit payments using a dedicated mobile phone equipped with an IC chip that stores an RF antenna and credit information. Providing.

However, in the case of the mobile phone payment service, consumers have to purchase a mobile phone exclusively for expensive services, and service methods vary from company to company, and merchants have a separate card reader for each company. Is being derived.

In addition, since the mobile phone payment service uses the battery power of the mobile phone as an infrared communication method, when the battery of the mobile phone is discharged, there is a problem in that the function of the credit card is not available at the same time.

Meanwhile, in addition to the payment settlement method using the mobile phone, various services using the electronic coupon of the mobile phone have been attempted.

The electronic coupon service expands the electronic coupon, which was previously only used in the virtual space of the Internet, to the actual space where most of the commerce takes place, so that advertisers can maximize the effectiveness of the advertisement at a relatively low cost, and consumers also receive substantial discounts. There is an advantage to this.

However, since the service using the electronic coupon of the conventional mobile phone is a method in which the user downloads the electronic coupon scattered on the Internet space into the memory of the mobile phone, consumers who want to use the electronic coupon always use the electronic coupon while surfing the Internet space. There is a problem that needs to be secured in advance, and since this method is a method in which an user presents an electronic coupon stored in a mobile phone directly to a relevant business during an off-line commerce, the user secures an electronic coupon of the affiliated store in advance. The problem is that you can't get a discount if you don't recognize it.

In addition, in the case of the conventional electronic coupon, there is not a system for managing whether the user uses the electronic coupon downloaded to the mobile phone, and there are many problems in establishing an effective sales strategy through the electronic coupon from the advertiser's point of view.

In addition, there is no way to check the usage history of the issued coupon even if the advertising agency service company that is commissioned and managed by the advertiser, there is a difficulty in obtaining objective data on the advertising effect in the relationship with the advertiser, these problems It is another obstacle that makes systematic management of electronic coupons difficult.

Therefore, the present invention was created to solve the above problems, using an electronic coupon managed in an online database, an electronic coupon to automatically receive a discount of the payment amount in the credit settlement process at the time of commerce It is an object to provide a payment method used.

In addition, an object of the present invention is to provide a payment method using an electronic coupon that can be credited regardless of whether the battery is discharged by attaching the IC chip embedded with credit card information to a conventional mobile communication terminal.

The present invention also relates to a payment method of a mobile communication terminal that allows a discount rate to be applied using an online electronic coupon transmitted in real time through a mobile communication terminal in a credit settlement process during a commerce.

1 is a block diagram of registering personal information on a server of a service provider according to the present invention and subscribing as a member.

Figure 2a and Figure 2b is a block diagram showing the configuration of the film-type RF chip according to the present invention and the film-type RF chip attached to the mobile phone.

3 is a block diagram of a credit card payment system for performing a payment method using an electronic coupon according to the present invention.

Figure 4 is a block diagram of an RF receiver attached to the merchant terminal in the credit card payment system according to the present invention.

5 is a flow chart of payment information processing of the payment method using an electronic coupon according to the present invention.

Payment method using an electronic coupon according to the present invention for achieving the above object is a server of a service provider that provides a discount service of the credit card payment amount using an electronic coupon, the member's finance registered in the server of the service provider A method of performing credit card payment using an electronic coupon in a credit card payment system including an RF chip film storing information and an RF receiver attached to a terminal of an affiliated store for RF communication with an IC chip in the RF chip film. In

(a) the RF receiver receiving financial information of the IC chip including credit card information, member ID, and chip ID and transmitting the financial information to the affiliated store terminal;

(b) the affiliated store terminal transmitting payment data including a payment amount and affiliated store information to the transmitted financial information to a server of a van company;

(c) reading the received payment data by the data determination unit of the server of the bansa and transmitting the payment data to the service provider's server when the payment data is data of a member subscribed to an electronic coupon service;

(d) the server of the service provider searching the member's customer database by reading the transmitted payment data;

(e) calculating a new payment amount by applying a discount rate of the searched electronic coupon in the operation unit of the server of the service provider when the electronic coupon of the corresponding affiliate store is found in the customer database;

(f) the server of the service provider requesting payment approval by transmitting payment data including the new payment amount to the server of a card company through the server of the ban company;

(g) receiving the payment approval from the server of the card company, and transmitting the payment approval information to the server of the merchant terminal and the service provider; And

(h) the server of the service provider receiving the payment approval information, deleting the electronic coupon used in the step (e) from the member's customer database; Characterized in that it comprises a.

In addition, the step (e) is characterized in that it comprises the step of automatically transmitting the searched electronic coupon to the mobile communication terminal of the service provider server when the electronic coupon of the corresponding merchant is searched.

In addition, the RF chip film is characterized in that attached to the battery mounting portion of the mobile communication terminal.

In addition, the financial information of the IC chip included in the existing RF chip film further includes a password of the member, the RF receiver is an input unit through which the user can input a password and the user's password and the IC chip input through the input unit Characterized in that it comprises an authentication unit for determining whether the password received through the match.

In addition, the present invention is a server of a service provider that provides a discount service of credit card payment amount using an electronic coupon, and the RF chip film storing the financial information of the member registered in the server of the service provider is attached to the battery mounting portion In a method of performing a credit card payment using an electronic coupon in a credit card payment system including a communication terminal,

(a) the mobile communication terminal accessing a server of the service provider through a communication network and receiving member authentication;

(b) receiving, by the server of the service provider, a representative phone number of an affiliated store inputted from the mobile communication terminal of the member who has received the member authentication;

(c) the server of the service provider searching the member's customer database to search for the existence of an electronic coupon corresponding to the representative telephone number of the affiliated store; And

(d) transmitting the electronic coupon to a member's mobile communication terminal connected to a communication network when the electronic coupon exists in the member's customer database as a result of the search in step (c); Characterized in that it comprises a.

In addition, the representative phone number of the merchant is characterized in that a part of the merchant phone number is used.

In addition, the electronic coupon transmitted to the mobile communication terminal in the present invention is characterized in that it comprises an image and voice.

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

1 is a block diagram of registering personal information on a server of a service provider according to the present invention and subscribing as a member.

The user 100 registers as a member with the service provider 300, and the service provider 300 provides a payment service using the electronic coupon according to the present invention for the registered member.

The user 100 typically registers personal information on the server of the service provider 300 through the network 200, but also in a financial institution (not shown) such as a bank or a card company affiliated with the service provider 300. Member registration service can be provided.

To the user 100 registered as a member, the service provider 300 produces a credit card affiliated with a financial institution in the form of a film chip and issues it to the member.

The film-type chip is embedded with a unique number indicating the electronic coupon service according to the present invention, the Bansa server receiving the payment data from the merchant terminal in the case of the payment data that the unique number is read approval to the credit card company immediately As a previous step, the payment data is first transmitted to the service provider 300 without requesting the request.

The member information registered by the user 100 includes personal information, credit card information, member ID, password, mobile terminal information, and the like. The service provider 300 transmits the registered member information to the mobile communication company 400, Inquiries to financial institutions (not shown) are managed through the customer database. In addition, the service provider 300 registers an affiliated store as a member, manages an electronic coupon provided by the affiliated store through a database, and stores the member in a customer database according to evaluation scores such as credit scores or card use results of the members.

The electronic coupon registered in the customer database of the members is connected to the service provider 300 through the network 200 at the member store, and the number of the mobile communication terminal of the specific member and the information data of the electronic coupon (for example, a discount rate of 10%). Data such as an electronic coupon, an electronic coupon with a discount of 20%, etc.) may be directly sent to the service provider 300 to request management of the electronic coupon. For example, in the case of a customer who frequently uses a particular restaurant, the merchant provided a paper coupon, but in the case of the electronic coupon service according to the present invention, the merchant provides the mobile communication terminal information and the electronic coupon information of the corresponding service provider (300). E-coupons are managed in the customer database online.

2a and 2b is a block diagram showing the configuration of the film-type RF chip according to the present invention and the film-type RF chip attached to the mobile phone.

As shown in FIG. 2A, the film-type RF chip 500 provided by a service provider or a financial institution affiliated with a service provider according to the present invention includes an IC chip 510 in which financial information is embedded, and an RF antenna 520. It consists of.

Financial information embedded in the film-type RF chip 500 includes credit card information, unique chip ID, member ID, password for user authentication.

The RF antenna 520 may transmit and receive data to and from the RF receiver 700 attached to the affiliated store terminal in a non-contact manner.

The film-type RF chip 500 provided according to the present invention is not a conventional card type but a film type with an adhesive attached to one side thereof, so that the thickness thereof can be ignored. Even when inserted between the battery mounting portion 610 and the battery 620 of the mobile phone 600 does not cause any abnormality in the normal operation of the mobile phone 600. The manufacturing of such a film type IC chip 500 is a technique well known to those skilled in the art and a detailed description thereof will be omitted here.

3 is a block diagram of a credit card payment system performing a payment method using an electronic coupon according to an embodiment of the present invention.

As shown in FIG. 3, the credit card payment system according to the present invention includes a mobile communication terminal 600 attached to a film type RF chip 500, an affiliated store terminal 800, and an RF receiver 700 attached to the affiliated store terminal. ), A service provider 300, a bansa 900, and a card company 1000.

The mobile communication terminal 600 of the customer registered as a member of the service provider 300 may download the management program of the electronic coupon category from the service provider 300 and easily receive the electronic coupon. That is, when the electronic coupon service is selected from the menu of the mobile communication terminal 600, the electronic coupon service is automatically connected to the server of the service provider 300 to search for the electronic coupon currently registered in its customer database.

In addition, the mobile communication terminal 600 may request the service provider 300 to transmit a specific electronic coupon stored in its customer database. The transmitted electronic coupon may be configured in various formats including voice as well as images.

The RF receiver 700 is attached to the affiliated store terminal 800 to receive financial information from the film type RF chip 500 and transmits it to the affiliated store terminal 800.

The merchant terminal 800 transmits payment data to the server of the bansa 900 by adding the merchant ID and the payment amount to the received financial information.

The bansa 900 further includes a data determination unit (not shown) for determining whether payment data using an electronic coupon is analyzed by analyzing data transmitted from the affiliated store terminal 800 in addition to the function of the normal bansa.

The data determination unit reads the chip ID or the member ID from the payment data transmitted from the merchant terminal 800 and transmits the payment data to the server of the electronic coupon service provider 300 before transmitting the payment data to the card company 1000. Send payment data.

In addition, the service provider 300 includes a customer database for managing registered members, a merchant database, and an operation unit for calculating a new payment amount by applying a discount rate of an electronic coupon.

The operation unit searches the member's customer database according to the payment data received from the bansa 900 and then applies the discount rate of the electronic coupon from the payment amount included in the payment data when the electronic coupon of the affiliate store is stored. To calculate the new payment amount.

In addition, the service provider 300 further includes a representative telephone number management unit for classifying and managing an electronic coupon of the affiliated store as a representative telephone number (for example, the last 4 digits of the affiliated store's telephone number).

When the member registered in the service provider 300 accesses the server of the service provider 300 through the mobile communication terminal 600 and then inputs the representative phone number of the affiliated store, the representative phone number manager is a member of the member's customer. The electronic coupon of the affiliate store is searched for in the database and transmitted to the mobile communication terminal 600. This representative phone number service allows a member to easily inquire about the existence of an electronic coupon stored in his customer database.

Through this process, the card company 1000 receives payment approval data including the new payment amount calculated by the service provider 300 through the bansa 900.

4 is a block diagram of an RF receiver attached to an affiliated store terminal in a credit card payment system according to the present invention.

As shown in FIG. 4, the RF receiver according to the present invention receives data from the film type RF chip 500 and transmits the data to the affiliated store terminal 800.

The RF receiver 700 includes a receiver 710 for receiving financial information from the film type RF chip 500, a transmitter 730 for transmitting the received financial information to the affiliated store terminal 800, and the process. The control unit 750 for controlling them.

In addition, the RF receiver 700 may further include an input unit 740 for allowing a user of the film type RF chip 500 to input a password embedded in the chip.

The RF receiver 700 includes an authentication unit 720 that performs user authentication by comparing a password embedded in the film type RF chip 500 with a password input by the user through the input unit 740. .

5 is a flowchart of payment information processing of a payment method using an electronic coupon according to the present invention.

First, in order to use the electronic coupon service according to the present invention, after registering personal information with the service provider 300 and registering as a member, the film-type RF containing credit card information of the financial institution affiliated with the service provider 300 The chip must be issued.

A member can attach the issued film type IC chip to various personal belongings according to his or her preference, but in a preferred embodiment of the present invention, the member is attached to and used by the member's mobile communication terminal. More preferably, as shown in Figure 2b, in order to prevent the risk of loss of the film-type IC chip attached to the battery mounting portion of the mobile communication terminal.

Hereinafter, a server of the service provider 300 that provides a discount service of the credit card payment amount using an electronic coupon, an RF chip film 500 storing financial information of a member registered in the server of the service provider 300, and Credit card payment using an electronic coupon in a credit card payment system including an RF receiver 700 attached to a terminal 800 of a merchant for RF communication with the IC chip 510 in the RF chip film 500. Let's take a closer look at how to do it.

First, in step S110, the RF receiver receives financial information of the IC chip 510 including credit card information, member ID, and chip ID through the RF antenna 520 of the RF chip film 500 without contact. And transmits the received financial information to the merchant terminal (800). Preferably, the financial information of the IC chip 510 of the RF chip film 500 includes a password for user authentication.

In addition, the step S110 includes the step of performing the user authentication by comparing the password received by the user through the input unit 740 included in the RF receiver from the IC chip 510. The user authenticated financial information is transmitted to the affiliated store terminal.

In step S120, the affiliated store terminal 800 transmits payment data added with a payment amount and an affiliated store ID to the transmitted financial information to a server of a van company.

In operation S130, the data determination unit of the server of the bansa 900 reads the chip ID or the member ID included in the payment data transmitted from the affiliate store terminal.

In addition, if the payment data is data related to the electronic coupon service according to the result of reading the payment data in step S130, the payment data is transmitted to the server of the service provider.

In step S140, the server of the service provider searches the member's customer database using the member ID of the transmitted payment data.

If the electronic coupon corresponding to the affiliated store ID is found in the customer database in step S150, a calculation unit of the server of the service provider calculates a new payment amount by applying the discount rate of the retrieved electronic coupon. For example, if a payment amount of 100,000 won is charged, a new payment amount of 90,000 won is calculated when a 10% discount electronic coupon of the affiliate store is searched in the member's customer database.

The new payment amount information may include the original billed amount, the discount rate of the electronic coupon, and the information of the electronic coupon.

In step S160, the server of the service provider transmits payment data including the new payment amount to the server of the card company through the server of the ban company to request payment approval.

In step S170, the server receiving the payment approval from the server of the card company transmits the payment approval information to the server of the merchant terminal and the service provider.

The server of the service provider that has received the payment approval information in step S180 deletes the electronic coupon used in the calculation of the new payment amount searched in step S150 in the member database of the member.

Through the process performed in step S180, the advertiser can secure one company's use of the electronic coupon, thereby establishing an efficient electronic coupon strategy.

In addition, according to the present invention, the service provider 300 can secure a customer's electronic coupon usage data, thereby performing various customized customer services.

Although the above has been described with reference to the preferred embodiment of the present invention, those skilled in the art will be capable of various modifications and changes within the scope of the technical idea of the present invention.

As described above, since the payment method of the mobile communication terminal according to the present invention can use a service simply by attaching a film type IC chip provided by a service company to a conventional mobile phone, without having to purchase an expensive service-only mobile phone. There is a significant effect in terms of cost.

In addition, the payment method of the mobile communication terminal according to the present invention has the effect that the universal mobile phone service subscribers can use anybody by eliminating the waste of resources generated by the existing mobile phone payment service to adopt a different method for each company .

In addition, since the payment method of the mobile communication terminal according to the present invention is a contactless RF method, the credit card function of the mobile phone is not affected even when the battery of the mobile phone is discharged.

In addition, the payment method of the mobile communication terminal according to the present invention receives the online electronic coupon in real time through the mobile communication terminal and uses it at the time of commerce, thereby increasing the practical use of the electronic coupon to the effect of advertising from the advertiser's point of view. It can be maximized and increase the discount rate opportunity for consumers.

In addition, the payment method of the mobile communication terminal according to the present invention enables the customized customer marketing to systematically manage the electronic coupon and increase the scarcity of the electronic coupon in accordance with the fact that the usage record of the issued electronic coupon can be converted into data. This has the effect of improving the value of the coupon.

Claims (8)

RF communication with a server of a service provider that provides a credit card payment discount service using an electronic coupon, an RF chip film storing financial information of a member registered in the server of the service provider, and an IC chip in the RF chip film. In the method for performing a credit card payment using an electronic coupon in a credit card payment system comprising an RF receiver attached to the terminal of the merchant for, (a) receiving, by the RF receiver, financial information of the IC chip including credit card information, a member ID, and a chip ID and transmitting the financial information to the affiliated store terminal; (b) the affiliated store terminal transmitting payment data including a payment amount and affiliated store information to the transmitted financial information to a server of a van company; (c) reading the received payment data by the data determination unit of the server of the bansa and transmitting the payment data to the service provider's server when the payment data is data of a member subscribed to an electronic coupon service; (d) the server of the service provider searching the member's customer database using the member ID of the transmitted payment data; (e) calculating a new payment amount by applying a discount rate of the searched electronic coupon in the operation unit of the server of the service provider when the electronic coupon of the corresponding affiliate store is found in the customer database; (f) the server of the service provider requesting payment approval by transmitting payment data including the new payment amount to the server of a card company through the server of the ban company; (g) receiving the payment approval from the server of the card company, and transmitting the payment approval information to the server of the merchant terminal and the service provider; And (h) the server of the service provider receiving the payment approval information, deleting the electronic coupon used in the step (e) from the member's customer database; Payment method using an electronic coupon comprising a. The method of claim 1, The RF chip film is a payment method using an electronic coupon, characterized in that attached to the battery mounting portion of the mobile communication terminal. The method of claim 1, The financial information of the IC chip further includes a member's password, and the RF receiver is configured to match an input unit through which the user can input a password and a user's password input through the input unit and a password received through the IC chip. Payment method using an electronic coupon, characterized in that it comprises an authentication unit for determining. The method according to claim 1 or 2, The step (e) is a payment method using an electronic coupon, characterized in that the service provider server transmits the retrieved electronic coupon to the member's mobile communication terminal when the electronic coupon corresponding to the merchant ID. The method of claim 4. The electronic coupon transmitted to the mobile communication terminal is a payment method using an electronic coupon, characterized in that it comprises an image and voice. A server of a service provider that provides a credit card payment discount service using an electronic coupon, and a mobile communication terminal having an RF chip film storing financial information of a member registered in the server of the service provider attached to a battery mounting unit. In the method of performing a credit card payment using an electronic coupon in a credit card payment system, (a) the mobile communication terminal accessing a server of the service provider through a communication network and receiving member authentication; (b) receiving, by the server of the service provider, a representative phone number of an affiliated store inputted from the mobile communication terminal of the member who has received the member authentication; (c) the server of the service provider searching the member's customer database to search for the existence of an electronic coupon corresponding to the representative telephone number of the affiliated store; And (d) transmitting the electronic coupon to a member's mobile communication terminal connected to a communication network when the electronic coupon exists in the member's customer database as a result of the search in step (c); Payment method using an electronic coupon comprising a. The method of claim 6, The representative phone number of the merchant is a payment method using an electronic coupon, characterized in that a part of the merchant phone number is used. The method of claim 6, The electronic coupon transmitted to the mobile communication terminal comprises a payment method comprising an image and a voice.