KR20070011963A - System and method for managing gift certificate usable in overseas, server for managing gift certificate and recording medium - Google Patents

Abstract

A system and a method for managing gift certificates usable in foreign countries, a gift certificate management server and a recording medium thereof are provided to remove need for making travelers exchange excessive foreign currency and carry cash by offering the gift certificates usable in foreign countries. An information provider(105) provides gift certificate information usable in the foreign countries to a customer terminal(145). An information receiver(110) receives gift certificate selection information from the customer terminal. An information checker(115) checks a foreign exchange rate between the currency to use the gift certificate and the currency settled by a customer. An information calculator(120) calculates settlement price information according to purchase of the selected gift certificates by responding to the checked foreign exchange rate. A settlement processor(125) processes a calculated settlement price by linking with the customer terminal and a foreign exchange processor.

Description

System and Method for Managing Gift Certificate Usable in Overseas, Server for Managing Gift Certificate and Recording Medium}

1 is a simplified configuration diagram of a gift certificate management system according to a preferred embodiment of the present invention.

2 is a functional configuration diagram of a gift certificate management device (or server) according to a preferred embodiment of the present invention.

3 is a simplified illustration of information data stored in a storage medium according to a preferred embodiment of the present invention.

4 is a simple flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

5 is a simple flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

6 is a simple flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

7 is a simple flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

8 is a diagram illustrating a simple gift certificate information display screen output to the customer wired terminal when predetermined gift certificate information is provided to the customer terminal according to the present invention.

9 is a view illustrating a simple gift certificate information display screen output to the customer wireless terminal when predetermined gift certificate information is provided to the customer terminal according to the present invention.

10 is a diagram illustrating a screen provided with the gift certificate unique identification code and / or gift certificate payment processing details and / or the gift certificate purchase receipt to the wired terminal when the customer terminal is a wired terminal.

11 is a diagram illustrating a screen provided with a gift certificate unique identification code and / or gift certificate payment processing details and / or a gift certificate purchase receipt to the wireless terminal when the customer terminal is a wireless terminal.

12 is a functional configuration diagram of a gift certificate management device (or server) according to another preferred embodiment of the present invention.

13 is a simplified flowchart of a gift certificate management process according to another preferred embodiment of the present invention.

14 is a simplified flowchart of a gift certificate management process according to another preferred embodiment of the present invention.

15 is a view illustrating a full text certificate payment approval request according to an embodiment of the present invention.

16 is a view illustrating a full text certificate payment approval response according to an embodiment of the present invention.

17 is a diagram illustrating a voucher payment receipt according to an embodiment of the present invention.

<Description of main parts of drawing>

100: gift certificate management system 105: information providing means

110: information receiving means 115: information checking means

120: information calculation means 125: payment processing means

130: gift certificate registration means 135: gift certificate payment processing means

140: storage medium 145: customer terminal

150: gift voucher providing means 155: gift voucher payment terminal

The present invention relates to a gift certificate management system that can be used abroad and a method thereof.

A gift certificate is a fixed bearer securities that can be exchanged with a predetermined product, and a predetermined product handled by the voucher issuing agent can be purchased within the limit of the amount stated on the ticket.

In addition, the unrecovered amount of the gift certificate obtained through the issuance of the gift certificate can greatly contribute to the management of the gift certificate issuer by acting as the interest-free borrowing capital in the gift certificate issuer. It can greatly increase the.

These vouchers are mainly used as gifts and issued by department stores, famous department stores, etc., but due to various advantages of the gift certificates, they are issued and distributed in various fields.

Meanwhile, in line with the recent era of internationalization, the number of overseas travelers has increased rapidly. If you give these overseas travelers (eg friends or relatives) a gift certificate that can be used locally, they will be forced to exchange too much money and cash. There is no need to carry a gift, and the gifter will be able to make a more useful gift.

Therefore, it is urgent to provide and manage a gift certificate that can be used abroad by highlighting the characteristics of the above-described gift certificate to meet the era of internationalization.

An object of the present invention is derived to solve the above problems, to provide at least one voucher information used in at least one country from a predetermined information providing means to the customer terminal, the predetermined information receiving means for the customer Receiving the gift certificate selection information to be purchased from the terminal, confirms the currency exchange rate (or currency exchange information) between the currency of the country in which the gift certificate selected by the customer is used and the currency that the customer pays in a predetermined information confirming means. In response to the confirmed exchange rate (or exchange information), information calculating means calculates payment amount information according to the purchase of the gift certificate selected by the customer, and links the customer terminal and the predetermined exchange processing means in a predetermined payment processing means. Gift certificate management method and time to perform the payment processing according to the calculated purchase of the gift certificate In providing a stem.

In addition, another object of the present invention, when selling at least one voucher used in at least one country to a customer, the currency of the country in which the voucher to be purchased by the customer is used in a predetermined information checking means and the customer pays Confirms the exchange rate (or exchange information) between currencies, and calculates payment amount information according to the purchase of the gift certificate selected by the customer in correspondence with the confirmed exchange rate (or exchange information) in a predetermined information calculating means; In the payment processing means of the customer terminal and the predetermined currency exchange processing means in accordance with the calculated purchase of the gift certificate, the payment processing according to the gift voucher purchase data (the gift voucher purchase customer ( And / or the customer who will receive the purchased voucher) owned wireless terminal information and / or card information and / or customer type It provides a gift certificate management method and system for storing and registering in a predetermined storage medium by processing in conjunction with the other information and / or customer authentication information.

In addition, another object of the present invention, when selling at least one voucher used in at least one country to the customer, the exchange between the currency of the country in which the voucher that the customer intends to purchase is used and the currency that the customer pays A function of checking a rate (or currency exchange information), a function of calculating payment amount information according to the purchase of a gift certificate selected by the customer in response to the identified currency exchange rate (or currency exchange information), and the customer terminal and predetermined currency exchange processing means In connection with the present invention is to provide a gift certificate management device characterized in that it has a function to perform the payment processing according to the purchase of the gift certificate.

In addition, another object of the present invention, when selling at least one voucher used in at least one country to the customer, the exchange rate between the currency of the country in which the voucher to be purchased by the customer is used and the currency that the customer pays (Or exchange information), a function of calculating payment amount information according to the purchase of a gift certificate selected by the customer in response to the confirmed exchange rate (or exchange information), the customer terminal and predetermined exchange processing means; A function of performing payment processing according to the calculated gift certificate purchase in association with the calculated gift certificate information data, and wireless terminal information and / or owned by the gift certificate purchase customer (and / or the customer who will receive the purchased gift certificate). A function of storing and registering in a predetermined storage medium by linking with card information and / or customer identification information and / or customer authentication information. In providing a gift certificate management device characterized in that it comprises a.

In order to achieve the above object, a gift certificate management method according to the present invention includes a gift certificate information providing step of providing at least one gift certificate information used in at least one country from a predetermined information providing means to a customer terminal, and predetermined information receiving means. An information receiving step of receiving gift voucher selection information to be purchased from the customer terminal at a currency exchange rate, and a currency exchange rate (or currency exchange information) between a currency of a country where the gift voucher selected by the customer is used in a predetermined information checking means and a currency set by the customer; ), And a payment amount calculating step of calculating payment amount information according to the purchase of a gift certificate selected by the customer, corresponding to the exchange rate (or exchange information) identified by the predetermined information calculating means. In connection with the customer terminal and the predetermined currency processing means in the payment processing means of Characterized in that comprises a billing processing performing billing processing according to the voucher purchase the calculator.

The present invention may be configured to further include an information storing step of linking the payment-completed gift certificate information and the customer information in a predetermined gift certificate registration means and storing it in a predetermined storage medium.

The present invention provides an information receiving step of receiving a gift certificate receiving customer information to present the gift certificate from the customer terminal in a predetermined information receiving means, and processing the linked gift certificate information and the gift certificate receiving customer information in a predetermined gift certificate registration means. And storing the information in a predetermined storage medium.

Here, the voucher recipient customer information comprises the voucher recipient customer personal information, the voucher recipient customer authentication information, the voucher recipient customer-owned wireless terminal information, and the voucher recipient customer wired communication means information comprises at least one. It is preferable.

According to the invention, the information receiving step is characterized in that further receiving the date information to present the gift certificate to the customer receiving the gift certificate, information storage step is characterized in that further storing the received date information.

According to the present invention, the information receiving step is characterized in that further receiving a predetermined message (message including text and / or image, and / or multimedia content) to provide the gift certificate to the customer receiving the gift certificate. The information storing step may further include storing the received message (message including text and / or image and / or multimedia content) information.

The present invention provides the gift certificate purchase customer and / or the payment certificate voucher information data and / or the payment certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt in a predetermined information providing means; Further comprising the information providing step provided to the wireless terminal and / or wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or automated devices owned by the customer receiving the gift certificate.

The present invention does not provide the voucher information data that has been processed by a predetermined information providing means directly to the voucher purchase customer and / or the voucher recipient customer, and the payment voucher unique identification code and / or voucher payment processing details. And / or the receipt of the gift certificate purchase to a wireless terminal and / or a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or an automated device owned by the gift voucher customer and / or the customer receiving the gift certificate. When provided, the gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt from the gift certificate purchase customer and / or the gift certificate recipient customer in the predetermined gift certificate providing means in a predetermined gift certificate management means. After receiving the, matching the previously stored information, the payment processed product Authenticating the unique identification code and / or voucher payment processing history and / or the voucher purchase receipt and providing the voucher (or voucher data) to the voucher purchaser and / or the voucher receiving customer according to the authentication result. It may be configured to further include a gift certificate exchange step.

According to the present invention, when the gift voucher customer or the gift voucher customer uses the gift voucher (or gift voucher data) in a country corresponding to the voucher information, the voucher or the voucher is purchased at a predetermined payment terminal (or voucher processing terminal). After receiving the gift certificate (or gift certificate data) from the receiving customer, the information transmission step and the gift certificate payment processing means for transmitting the gift certificate information (or gift certificate data) and the predetermined gift certificate use value information to a predetermined gift certificate payment processing means; After confirming the validity of the gift certificate information (or gift certificate data), according to the verification result, it may be configured to further include the step of processing the payment amount of the gift certificate using the gift certificate.

According to the present invention, the gift certificate information is characterized in that it includes at least one or more of a gift certificate name and / or a gift certificate use merchant and / or a gift certificate use country and / or gift card value.

According to the present invention, the step of providing the gift certificate information may include providing the at least one gift certificate information classified by merchants and / or countries.

According to the present invention, the step of checking currency exchange information may include checking currency exchange information in association with a storage medium (or a terminal) storing currency exchange rate information for each country.

According to the present invention, the step of calculating the payment amount may further comprise the step of calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) to add to the payment amount.

According to the present invention, the payment processing step may include payment processing using credit card payment, bank transfer, mobile phone billing (IDR), or bankbook payment.

On the other hand, to achieve the above object another voucher management method proposed in the present invention, the voucher information providing step of providing at least one or more voucher information used in at least one country from the predetermined information providing means to the customer terminal, and An information receiving step of receiving, at the information receiving means, gift certificate selection information to be purchased from the customer terminal, and a currency exchange rate between a currency of a country where the gift certificate selected by the customer is used at a predetermined information checking means and a currency paid by the customer ( Or a currency exchange information checking step of checking currency exchange information) and calculating a payment amount information for purchasing a gift certificate selected by the customer in response to the exchange rate (or currency exchange information) identified by a predetermined information calculating means. In the step and predetermined payment processing means and the customer terminal and predetermined currency exchange processing means; And a payment processing step of performing the payment processing according to the calculated gift certificate purchase, wherein any one of the gift certificate information providing step and the payment processing step is performed from the customer terminal. And an information receiving step of receiving the gift certificate receiving customer information to receive the gift certificate, and storing the received gift certificate information and the gift certificate receiving customer information in a predetermined storage medium by linking and processing the received gift certificate information. .

On the other hand, another voucher management method proposed by the present invention for achieving the above object, when selling at least one voucher used in at least one or more countries to the customer, the voucher that the customer wants to purchase in a predetermined information confirmation means A currency exchange information checking step of checking a currency exchange rate (or currency exchange information) between a currency of the country used and a currency paid by the customer, and corresponding to the currency exchange rate (or currency exchange information) confirmed by a predetermined information calculating means, A payment amount calculating step of calculating payment amount information according to the purchase of the gift certificate selected by the customer, and payment processing according to the calculated purchase of the gift certificate in connection with the customer terminal and the predetermined currency exchange processing means in a predetermined payment processing means; The payment processing step and a predetermined gift certificate registration means Poomsae purchases (and / or customers who will receive the purchased vouchers) owned by the wireless terminal information and / or card information and / or customer identification information and / or customer authentication information to store and register in a predetermined storage medium And a step of registering the gift certificate information data.

Here, the step of confirming the exchange information, the gift certificate information providing step of providing at least one or more voucher information used in at least one country from a predetermined information providing means to the customer terminal and to purchase from the customer terminal in a predetermined information receiving means The method may further include an information receiving step of receiving the gift certificate selection information.

The present invention may be configured to further include an information receiving step of receiving gift certificate recipient customer information to present the gift certificate from the gift certificate purchase customer in a predetermined information receiving means.

The information receiving step may further receive date information for presenting the gift certificate to the customer receiving the gift certificate.

The information receiving step may further receive information on a message (message including text and / or image, and / or multimedia content) to be provided when the gift certificate is presented to the gift certificate receiving customer.

According to the present invention, wireless terminal information and / or card owned by the gift voucher purchaser (and / or the customer who will receive the purchased voucher) from the gift voucher customer (and / or the gift voucher customer) in a predetermined information receiving means. At least one or more information and / or customer identification information and / or customer authentication information may be received.

The present invention provides the gift certificate purchase customer and / or the registered gift certificate information data and / or the gift certificate unique identification code and / or the gift certificate payment processing history and / or the gift certificate purchase receipt in a predetermined information providing means. Receiving a gift certificate may be configured to further include the information providing step provided to the customer-owned wireless terminal and / or wired communication media (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or automated devices.

According to the present invention, when the gift voucher customer or the gift voucher customer uses the gift voucher (or gift voucher data) in a country corresponding to the voucher information, the voucher or the voucher is purchased at a predetermined payment terminal (or voucher processing terminal). After receiving at least one or more wireless terminal information and / or card information and / or customer identification information and / or customer authentication information owned by the customer who purchased the gift certificate (and / or the customer who will receive the purchased gift certificate) from a receiving customer, An information transmitting step of transmitting the information and information on a predetermined gift certificate use amount to a predetermined gift certificate payment processing means; and the payment terminal (or gift certificate) in association with the storage medium (or storage medium operating means) in the gift certificate payment processing means. The gift certificate information data matching the information transmitted from the processing terminal) is read, and the read image Using the ticket information data, the method comprising: processing a payment for the voucher used amount may further include.

Wherein the gift certificate payment processing means notifies the payment terminal (or gift certificate processing terminal) and / or the gift certificate purchasing customer or the gift certificate receiving customer terminal of the result of the gift certificate payment amount using the gift certificate information data. It may include.

The method may further include updating, by the gift certificate payment processing means, the gift certificate information data in response to a result of processing the payment of the gift certificate value using the gift certificate information data.

The method may further include performing, by the voucher payment processing means, a predetermined voucher processing settlement according to the voucher used amount payment processing result using the voucher information data.

The payment amount calculating step may further include calculating a currency exchange fee between different currencies corresponding to the identified currency exchange rate (or currency exchange information) and adding it to the payment amount.

On the other hand, the present invention is characterized in that it comprises a recording medium recording a computer-readable program for executing the at least one method for providing a gift certificate.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

Accordingly, the technical spirit of the present invention is determined by the claims, and the following embodiments are merely means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. Reveal that

1 is a simple configuration diagram of a gift certificate management system 100 according to a preferred embodiment of the present invention.

Preferably, the illustrated gift certificate management system 100 is implemented at least one or more functional means (for example, information providing means 105, information receiving means 110, information checking means 115, information calculating means to implement the present invention) , Payment processing means, gift certificate registration means, etc., wherein each of the functional means is a server (or apparatus) for performing each function on the gift certificate management system at the discretion of a person skilled in the art in the process of implementing the present invention. It should be noted that the present invention may be implemented in at least one or more servers (or devices) having a functional component or module for performing each function.

In addition, referring to FIG. 1, the gift certificate management system may store at least one or more pieces of information stored, and / or requested, and / or generated in a process of managing a gift certificate that can be used abroad. It is preferable to have a storage means (shown as a storage medium in FIG. 1) for storing and / or linked.

Although FIG. 1 illustrates the storage means as one storage medium, the storage medium may have the form of at least one database or a database server, and the storage medium may be optimally matched with at least one functional means provided in the gift certificate management system. To provide interoperability, it can be configured as a relational database management system (RDBMS).

In addition, at least one or more functional means provided in the gift certificate management system reveals that the gift certificate according to the present invention can be provided on a communication network of at least one or more countries.

Referring to Figure 1, a gift certificate management system according to a preferred embodiment of the present invention, at least one or more information providing means, at least one or more information receiving means, at least one or more information checking means, at least one or more information calculating means, at least one or more payment Processing means, at least one gift certificate registration means may be provided.

The information providing means provided in the gift certificate management system is a customer terminal connected through a wired communication network or a wireless communication network (mobile communication network, portable Internet network, local area network, etc.) according to the present invention. It is characterized by providing information.

Here, the gift certificate information provided to the customer terminal preferably includes at least one of a gift certificate name and / or a gift certificate use merchant and / or a gift certificate use country and / or a gift certificate value.

In addition, the information providing means, when the gift certificate purchased by the customer through the payment processing means provided in the gift certificate management system is settled, the payment certificate information information and / or the payment certificate unique identification code and / Or a wireless terminal and / or a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) owned by the customer who purchased the gift certificate and / or the customer who received the gift certificate, and / or the voucher payment processing history and / or the receipt of the gift certificate purchase receipt; And / or automated equipment.

Preferably, referring to Figures 8 to 9 below, the gift certificate information is provided to the customer terminal (wired or wireless) and displayed on the customer terminal through the information providing means.

The information receiving means included in the gift certificate management system receives the gift certificate selection information to be purchased from the customer terminal through the wired or wireless communication network.

According to another exemplary embodiment, when the gift certificate customer wants to present the gift certificate to another customer, the information receiving means may further receive gift certificate recipient customer information to present the gift certificate from the customer terminal.

Here, the gift certificate recipient customer information, the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wire communication means information at least one or more. desirable.

According to another exemplary embodiment, the information receiving means may further receive date information for presenting the gift certificate to the customer receiving the gift certificate when the gift certificate customer wants to present the gift certificate to another customer on a specific date. .

Information checking means provided in the gift certificate management system is characterized in that for confirming the exchange rate (or exchange information) between the currency of the country in which the gift certificate selected by the customer is used and the currency that the customer pays.

Preferably, the information checking means is linked with a currency processing means and / or storage medium for storing and / or exchange rate exchange between currencies, between the currency of the country in which the gift certificate selected by the customer is used and the currency settled by the customer You can check the exchange rate (or exchange information).

For example, referring to FIGS. 10 to 11 below, when a gift certificate selected by the customer is a 500,000 yen gift certificate, the customer may make a payment in won corresponding to the 500,000 yen unless the customer pays in yen. Can be.

At this time, the information checking means checks the exchange rate between the yen and the won, thereby providing the exchange rate information so that the following information calculating means calculates the amount to be paid by the customer.

The information calculating means included in the gift certificate management system is characterized by calculating the payment amount information according to the purchase of the gift certificate selected by the customer in response to the exchange rate (or exchange information) confirmed through the information checking means.

For example, if the exchange rate confirmed by the information checking means is 914.74, the information calculating means calculates the won value (4,5732,00 won) for the recommended value of the gift certificate (500,000 yen) of the customer's gift certificate. The customer can make a payment for the calculated value of the won in order to purchase the gift certificate.

However, a predetermined exchange fee may be included to actually convert the customer's payment amount (4,5732,00 won) into yen to buy the 500,000 yen gift certificate.

Therefore, the information calculating means, it is preferable to calculate / extract the exchange fee between different currencies corresponding to the exchange rate (or exchange information) confirmed through the information confirming means to add to the payment amount.

The payment processing means provided in the gift certificate management system is characterized in that the payment processing according to the purchase of the gift certificate calculated through the information calculation means in conjunction with the gift certificate purchase request customer terminal and the predetermined currency processing means.

Here, the payment processing means may use the credit card payment, account transfer, mobile phone charges (IDR), or bankbook payment payment processing for the purchase of the gift certificate.

Referring to FIG. 1, the gift certificate management system 100 may further include a gift certificate registration unit 130. The gift certificate registration unit 130 may be a gift certificate that has been paid through the payment processing unit 125. The information and the customer information are linked and stored in a predetermined storage medium 140.

In addition, the gift certificate registration means 130, when the information receiving means 110 further receives a gift certificate recipient customer information to present the gift certificate from the customer terminal 145, the gift certificate that has been paid through the payment processing means The information and the gift card receiving customer information may be cooperatively processed and stored in a predetermined storage medium.

In addition, the gift certificate registration means 130, when the information receiving means 110 further receives the date information to present the gift certificate to the customer receiving the gift certificate, the information receiving means 110 receives the date information received Can store more.

In addition, the gift certificate registration means 130 includes a predetermined message (text and / or image, and / or multimedia content) to be provided when presenting the gift certificate to the customer receiving the gift certificate through the information receiving means 110. Message) If the information is further received, the information receiving means 110 may further store the message (message including text and / or image, and / or multimedia content) received.

In addition, the illustrated gift certificate management system 100 may be configured to further include a gift certificate payment processing means 135, wherein the gift certificate payment processing means 135, the gift certificate customer or the customer receiving the gift certificate customer gift certificate (Or gift certificate data) is used in a country corresponding to the gift certificate information, the payment terminal (or gift certificate processing terminal) 155 from the predetermined payment terminal (or gift certificate processing terminal) (155) the customer or the gift certificate purchaser Receiving a gift certificate (or gift certificate data) provided from the receiving customer, and confirming the validity of the received gift certificate information (or gift certificate data), and according to the result of the check, payment processing for the gift certificate use amount using the gift certificate It is characterized by.

Referring to FIG. 1, the customer terminal 145 interoperating with the gift certificate management system 100 may include a wired terminal including a PC, a wireless terminal including at least one of a mobile phone, a PDA, a mobile Internet phone, and telematics; It comprises a wired telephone, at least one or more automation devices such as CD / ATM, KIOSK.

Preferably, the customer terminal is characterized in that it is linked to the gift certificate management system via the Internet, wireless communication, VAN, financial common network, etc. according to the communication means.

Gift voucher providing means 150 shown in Figure 1, after the customer performs the payment processing for the selected voucher according to the present invention, gift voucher information data and / or the gift voucher unique identification code and / or gift voucher processed The payment processing details and / or the voucher purchase receipts are stored on the wireless terminal and / or wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) owned by the voucher purchaser and / or the voucher receiving customer. When provided to the automated device, it may be a terminal (or device) for providing a gift certificate corresponding to the information provided.

The gift certificate payment terminal (or gift certificate processing terminal) 155 may be used for the gift certificate purchase customer or the gift certificate when the gift certificate customer or the gift certificate customer uses the gift certificate (or gift certificate data) in a country corresponding to the gift certificate information. After receiving the gift certificate (or gift certificate data) from the receiving customer, the gift certificate information (or gift certificate data) and the predetermined gift certificate use amount information is characterized in that it is transmitted to the predetermined gift certificate settlement processing means 135.

According to a preferred embodiment, the gift certificate payment terminal 155 may include an existing credit card payment terminal, a predetermined gift certificate (or gift certificate data) to receive the gift certificate (or gift certificate data) from the customer receiving the gift certificate. An input means may be provided.

For example, the gift certificate (or gift certificate data) input means may be a barcode reader, a card checker, a keypad (keyboard), or the like.

Meanwhile, according to another exemplary embodiment, the illustrated gift certificate management system 100 may, when selling at least one gift certificate used in at least one country to a customer, the currency of the country in which the gift certificate that the customer intends to purchase is used and the customer. Information payment means 115 for checking the exchange rate (or currency exchange information) between the currencies to be settled, and in response to the confirmed currency exchange rate (or currency exchange information), calculating payment amount information for purchasing a gift certificate selected by the customer Payment processing means 125 for performing the payment processing according to the calculated purchase of the gift certificate in connection with the information calculating means 120, the customer terminal 145, and a predetermined currency exchange processing means. Wireless terminal information and / or card information and / or customer identification information owned by the customer purchasing the gift certificate (and / or the customer who will receive the purchased gift certificate). And / or gift certificate registration means 130 for storing and registering in a predetermined storage medium 140 in association with the customer authentication information.

Here, the information calculating means 120, characterized in that for calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information), characterized in that added to the payment amount.

In addition, the gift certificate management system 100 according to another embodiment, to provide from the customer terminal 145 and the information providing means for providing at least one or more gift certificate information used in at least one country to the customer terminal 145. It may be configured to further include information receiving means 110 for receiving the gift certificate selection information.

In addition, the gift certificate management system 100, gift certificate recipient customer information to present the gift certificate from the gift certificate customer and / or date information to present the gift certificate to the gift certificate recipient customer and / or to the gift certificate recipient customer It may be configured to further include information receiving means 110 for receiving a predetermined message (message including text and / or image, and / or multimedia content) information to be provided in the gift certificate.

In addition, the information receiving means 110, the wireless terminal information and / or owned by the gift voucher customer (and / or customer to receive the purchased voucher) from the gift voucher customer (and / or the gift voucher customer). At least one card information and / or customer identification information and / or customer authentication information may be received.

In addition, the gift certificate management system 100, the gift certificate purchase customer and / or the registered gift certificate information data and / or the payment certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt It may be configured to further include information providing means 105 provided to the customer terminal received by the gift voucher wireless terminal and / or wired communication media (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or automated devices. have.

In addition, the gift certificate management system 100, when the gift certificate purchaser or the customer receiving the gift certificate uses the gift certificate (or gift certificate data) in a country corresponding to the gift certificate information, from the gift certificate purchase customer or the gift certificate recipient customer After receiving at least one or more wireless terminal information and / or card information and / or customer identification information and / or customer authentication information owned by a customer who purchases a gift certificate (and / or a customer who will receive the purchased gift certificate), the information and The payment terminal in connection with a payment terminal (or gift certificate processing terminal) 155 and the storage medium 140 (or a storage medium operating means) for transmitting the gift certificate use amount information of the predetermined gift certificate payment processing means 125. (Or gift certificate processing terminal) 155 reads the gift certificate information data matching the information transmitted, the read gift certificate information data Utilized can be configured to further include a gift certificate payment processing means (135) for processing a payment for the voucher used amount.

Here, the gift certificate payment processing unit 135, the payment terminal (or gift certificate processing terminal) 155 and / or the gift certificate customer or the gift certificate receiving customer to the result of the payment of the gift certificate use amount payment processing using the gift certificate information data. You can notify the terminal.

In addition, the gift certificate payment processing unit 135 may update the gift certificate information data in response to a result of the payment processing of the gift certificate using amount using the gift certificate information data.

In addition, the voucher payment processing means 135 may perform a predetermined voucher processing settlement corresponding to the voucher payment amount payment processing result using the voucher information data.

Preferably, each of the means provided in the gift certificate management system 100 shown in FIG. 1 is provided in a single server (or device) or is provided in a plurality of servers (or devices).

2 is a functional configuration diagram of the gift certificate management device (or server) 200 according to a preferred embodiment of the present invention.

FIG. 2 is a diagram illustrating a currency exchange rate between a currency of a country in which a gift voucher intended to be purchased and the currency in which the customer pays when selling at least one voucher used in at least one country to a customer according to the present invention; Exchange information), and calculates payment amount information according to the purchase of the gift certificate selected by the customer in correspondence with the confirmed exchange rate (or exchange information), and is linked with the customer terminal 145 and a predetermined exchange processing means. Is a functional configuration diagram of the gift certificate management device (or server) 200 to perform the payment processing according to the calculated gift certificate purchase.

Preferably, the illustrated gift certificate management device (or server) 200 is characterized in that it comprises at least one or more function configuration for performing the function.

Referring to FIG. 2, the gift certificate managing apparatus (or server) 200 includes a currency exchange rate checking unit 215, an information calculating unit 220, a payment processing unit 255, an information providing unit 205, and an information receiving unit 210. ), A gift certificate registration unit 230, a gift certificate payment processing unit 260, an information transmission unit 265 and the information update unit 270 may be configured.

The exchange rate confirmation unit 215, when selling at least one or more gift certificates used in at least one country to the customer, the exchange rate between the currency of the country in which the gift certificate that the customer intends to purchase is used and the currency paid by the customer (Or exchange information) is confirmed in conjunction with the storage medium 140 or the exchange processing means for storing and / or managing the exchange rate information.

The information calculating unit 220, in response to the exchange rate (or exchange information) confirmed through the exchange rate confirmation unit 215, characterized in that for calculating the payment amount information according to the purchase of the gift certificate selected by the customer. .

In particular, the information calculating unit 220 converts a currency exchange fee corresponding to a currency exchange rate (or currency exchange information) between the currency of the country in which the gift certificate to be purchased by the customer is used and the currency the customer pays to the payment amount information. It is characterized by including the calculation.

The payment processing unit 255 is characterized in that the payment processing in accordance with the purchase of the gift certificate calculated through the information calculating unit 20 in connection with the customer terminal 145 and the predetermined currency exchange processing means.

The information providing unit 205 may provide at least one gift certificate information used in at least one country to the customer terminal 145.

In addition, the information providing unit 205, when the payment for the gift certificate selected by the customer through the payment processing unit 255, the payment-processed gift certificate information data and / or the payment certificate unique identification code and And / or a voucher payment processing history and / or a receipt for the voucher purchase, the wireless terminal and / or wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) owned by the voucher purchaser and / or the voucher receiving customer. And / or characterized in that provided by the automated device.

When the information receiving unit 210 provides the customer terminal 145 with at least one gift certificate information used in at least one country through the information providing unit 205, the information receiving unit 210 wants to purchase from the customer terminal 145. And receiving the gift certificate selection information.

In addition, when the customer wants to present the gift certificate selected / paid by the customer, the information receiver 210 may receive gift certificate recipient customer information to present the gift certificate from the customer.

Preferably, the gift certificate customer information, the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer-owned wireless terminal information, and the gift certificate recipient customer wire communication means information at least one or more. Can be.

In addition, when the customer wants to present the gift certificate selected / paid by the customer on a specific date, the information receiving unit 210 may further receive specific date information to present the gift certificate from the customer.

In addition, the information receiving unit 210, a predetermined payment terminal (or gift voucher processing terminal) when the gift voucher customer or the gift voucher customer wants to use the gift voucher (or gift voucher data) in a country corresponding to the gift voucher information ) And / or the gift certificate information (or gift certificate data) transmitted from the gift certificate purchase customer (or the gift certificate recipient customer) terminal.

The gift certificate registration unit 230 may process the linked gift certificate information and the customer information through the payment processing unit 255 and store the information on the predetermined storage medium 140.

Further, when the information receiving unit 210 receives the gift certificate receiving customer information to present the gift certificate from the customer, the gift certificate registration unit 230 links the completed gift certificate information and the gift certificate receiving customer information to a predetermined value. The storage medium 140 may store the same.

In addition, when the information receiving unit 210 further receives the date information to present the gift certificate to a specific customer, the gift certificate registration unit 230 may further store the received date information.

In addition, the gift certificate registration unit 230, the information receiving unit 210 further provides a predetermined message (message including text and / or images, and / or multimedia content) to provide when presenting the gift certificate from the customer. When receiving, the received message (message including text and / or image, and / or multimedia content) may be further stored.

The voucher payment processing unit 260, when the voucher purchase customer or the voucher receiving customer wants to use the voucher (or voucher data) in a country corresponding to the voucher information, the information receiving unit 210 predetermined payment Upon receiving the gift certificate information (or gift certificate data) from a terminal (or gift certificate processing terminal) 155 and / or the gift certificate purchase customer (or the gift certificate recipient customer) terminal, the validity of the gift certificate information (or gift certificate data) is confirmed. After that, according to the result of the check, characterized in that the payment process using the gift certificate using the gift certificate.

When the payment processing for the gift certificate is performed through the gift certificate payment processing unit 260, the information transmission unit 265 may return the payment terminal (or gift certificate processing terminal) and the payment result of the gift certificate use amount using the gift certificate. And / or notify the gift voucher customer or the gift voucher customer terminal.

The information updating unit 270 may update the gift certificate information data in response to a result of processing the payment of the gift certificate use amount using the gift certificate.

In particular, the information update unit 270, when the gift certificate data (data including the balance) is stored in the gift certificate management device (or server) 200 and / or the storage medium 140, After the gift certificate payment processing is performed through the gift certificate payment processing unit 260, the stored gift certificate data may be re-stored by subtracting the stored gift certificate data by the payment amount of the gift certificate.

On the other hand, each of the components provided in the illustrated gift certificate management device (or server) 200, characterized in that provided in a single server (or device) or a plurality of servers (or devices).

In addition, the gift certificate management device (or server) 200 may be composed of a single device or a plurality of devices.

In addition, the illustrated gift certificate management device (or server) 200 is characterized in that it comprises a recording medium recording a computer-readable program for performing the above-described at least one device component.

3 is a simplified illustration of information data stored in a storage medium in accordance with a preferred embodiment of the present invention.

3 is stored in the storage medium 140 in conjunction with the gift certificate management system 100 and / or the gift certificate management device (or server) 200, according to the present invention, the gift certificate management system 100 and / or gift certificate management The device (or server) 200 is stored in the storage medium information that is required, and / or created, and / or stored in the process of providing the at least one or more customers with at least one gift certificate used in at least one country. A simple example is shown.

Preferably, the storage medium 140 may be provided in the gift certificate management system 100 and / or the gift certificate management apparatus (or server) 200, and / or may be provided in a separate storage medium 140 management means. .

4 is a simple flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

4 is a process of managing a gift certificate according to the present invention, a customer selects a gift certificate according to the present invention, and the payment processing for the selected gift certificate is performed, so that the payment certificate information is processed by the customer information and the storage medium 140. After storing in association with the, gift voucher payment details information is a simple flow chart up to the process of transmitting to the customer wireless terminal and / or wired communication media.

Referring to FIG. 4, the illustrated embodiment is a customer connected to the gift certificate management system 100 and / or gift certificate management apparatus (or server) 200 shown in FIGS. 1 and / or 2 from the information providing means. In operation 400, the terminal 145 may start from providing at least one gift certificate information used in at least one country.

Here, the process of providing the gift certificate information to the customer terminal 145, the customer terminal 145 is a wired terminal (for example, a PC, etc.) or a wireless terminal (for example, a mobile phone, etc.) through FIGS. It is more concrete by showing a case.

Preferably, the gift certificate information may include a gift certificate name and / or at least one value of the gift certificate using the merchant and / or the gift certificate using the country and / or the value of the gift certificate amount.

The customer terminal 145 selects the gift certificate (or gift certificate information) to be purchased with reference to the at least one or more gift certificate information (405), and if there is a purchase request for the selected gift certificate (410),

The information receiving means 110 of the gift certificate management system 100 receives the gift certificate selection information from the customer terminal 145 (415), the information checking means 115 is the country in which the gift certificate selected by the customer is used Check the currency of the customer and the currency (such as currency) that the customer intends to pay (420).

In addition, the information checking means 115 is linked with a predetermined storage medium (or terminal) storing the currency exchange rate information for each country, between a currency of a country in which a gift certificate selected by the customer is used and a currency to be settled by the customer. Check the currency exchange rate information (425).

When the currency exchange rate information is confirmed through the information checking means 115, the information calculating means 120 is based on the currency exchange rate information confirmed through the information checking means 115, the gift certificate selected by the customer The payment amount information according to the purchase is calculated and provided to the customer terminal 145 (430).

At this time, the information calculating means 120 may calculate the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) and provide it in addition to the payment amount.

In addition, if there is a payment request for the selected gift certificate from the customer (435), in the payment processing means 125 of the gift certificate management system 100 in connection with the customer terminal 145 and the exchange processing means to the selected gift certificate; The payment process is performed (440).

In addition, the information receiving unit 110 may check whether the payment processing of the completed gift certificate is owned or present from the customer terminal 145 (445), at this time, the customer wants to present the payment processing gift certificate If 450, the purchase gift certificate present process will be described in more detail with reference to Figure 6 below (A).

However, if it is desired to own the payment processing vouchers owned (455), the gift certificate registration means 130 is stored in a predetermined storage medium 140 in association with the payment of the gift certificate information and the customer information (460) .

In addition, the information providing means 105 is the customer voucher terminal and / or wired communication medium for the voucher information data and / or the voucher unique identification code and / or voucher payment processing history and / or the voucher purchase receipt, etc. And so on (465).

Here, the gift certificate acquiring process using the gift certificate information data and / or the gift certificate unique identification code and / or the gift certificate payment processing history and / or the gift certificate purchase receipt received through the customer wireless terminal and / or the wired communication medium are as follows. It will be described in more detail through 5.

In addition, if the gift voucher customer and / or the customer receiving the gift voucher obtained the payment voucher to use the gift certificate (470), the process of using the gift certificate will be described in more detail with reference to Figure 7 below. .

5 is a simplified flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

FIG. 5 shows a gift certificate information data corresponding to the processed merchant voucher after the customer selects the gift certificate according to the present invention and the payment process for the selected gift certificate is performed during the gift certificate management process described above with reference to FIG. And / or a simple flow chart for a process of acquiring (receiving and / or exchanging) the processed gift certificate using a gift certificate unique identification code and / or a gift certificate payment processing history and / or the gift certificate purchase receipt.

Referring to FIG. 5, the illustrated embodiment shows gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing details and / or purchase of the gift certificate corresponding to the gift certificate processed by the information providing means 105. 500 may be started from the process of transmitting a receipt or the like to the purchase or reception customer wireless terminal.

Here, the information providing means 105 is a customer-owned wireless terminal and / or receiving the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt corresponding to the gift certificate It may be provided as a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or an automated device. In FIG. 5, it will be described as being provided to the customer-owned wireless terminal.

Then, the customer wireless terminal may receive the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt corresponding to the gift certificate from the information providing means 105 ( 505), wherein the wireless terminal receives the gift certificate information data and / or the gift certificate unique identification code and / or the gift certificate payment processing history and / or the gift certificate purchase receipt. The gift certificate management system 100 or the gift certificate management apparatus (or server) through the callback URL information or the like included in the predetermined message received and / or transmitted by the information providing means 105. And accessing and receiving 200.

Further, the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt and the like may include letters and / or numbers and / or images and / or a predetermined number. It may be provided in the form of a code (eg, a barcode).

Then, the customer wireless terminal stores the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt received from the information providing means 105 in the memory or IC of the wireless terminal. The chip may be stored at 510.

According to the present embodiment, when the customer wants to receive and / or exchange the gift certificate (515), first, the gift certificate information data and / or gift card unique identification stored in the memory or the IC chip in the customer wireless terminal Code and / or voucher payment processing details and / or the voucher purchase receipt, etc. are output on the screen of the wireless terminal (520), and the voucher information data and / or gift voucher unique identification code and / or voucher payment processing history and / or Alternatively, the gift voucher purchase receipt or the like is transmitted to the predetermined gift voucher providing means 150 (525).

Here, the process of transferring the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt to the gift certificate providing means 150 may include the gift certificate information data and / or gift certificate. If the unique identification code and / or voucher payment processing details and / or the voucher purchase receipt are codes consisting of predetermined letters / numbers, a process of key input through a keypad (or keyboard) provided in the voucher providing means is performed. It may include.

In addition, when the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt, etc. is in the form of a predetermined bar code, the gift certificate information data and / or gift certificate unique identification code and / Alternatively, the voucher payment processing details and / or the voucher purchase receipt may be input through a predetermined reader or the like provided in the voucher providing means 150.

In addition, when the wireless terminal and the gift certificate providing means 150 has a predetermined short-range communication terminal (for example, Bluetooth, RF, infrared, Wi-Fi, WiBro, etc.), the gift certificate information data and / or gift certificate unique identification code And / or voucher payment processing details and / or the voucher purchase receipt may be transmitted through a short range communication channel formed between the wireless terminal and the voucher providing means 150.

When the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt are transmitted from the customer wireless terminal to the gift certificate providing means 150, the gift certificate is provided. The means 150 transmits the information received from the customer wireless terminal to the gift certificate management means through a predetermined communication network (eg, VAN, Internet, etc.) (530).

Then, the gift certificate management system 100 or gift certificate management device (or server) 200 is the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history received from the gift certificate providing means 150 and And / or match the pre-stored information, such as the voucher purchase receipt, and authenticate the validity of the information provided by the customer (535).

If the validity of the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt received from the gift certificate providing means 150 is not authenticated (540), the gift certificate The management system 100 or the gift certificate management device (or server) 200 transmits the validity authentication failure details to the gift certificate providing means (545), and the gift certificate providing means 150 is the customer wireless terminal and / or the The voucher validity authentication failure history may be delivered to the customer (550).

On the other hand, when the validity of the gift certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt received from the gift certificate providing means 150 is authenticated (555), The management system 100 or the gift certificate management device (or server) 200 transmits the validity authentication details to the gift certificate providing means 150 (560), the gift certificate providing means 150 is the customer or customer wireless terminal In operation 565, the gift certificate corresponding to the gift certificate information data and / or the gift certificate unique identification code and / or the gift certificate settlement process may be provided.

6 is a simple flowchart illustrating a gift certificate management process according to a preferred embodiment of the present invention.

FIG. 6 illustrates that the customer selects a gift certificate according to the present invention during the gift certificate management process described above with reference to FIG. 4 and presents the payment-processed gift certificate to a predetermined customer after the payment process for the selected gift certificate is performed. A simple flow chart for the process.

Referring to FIG. 6, the illustrated embodiment may be started from a process of receiving, at the information receiving means 110, gift certificate receiving customer information to present the gift certificate from the gift certificate purchasing customer terminal 145 (600).

Here, the gift certificate recipient customer information received by the information receiving means 110, the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, the gift certificate recipient customer wired communication It is preferably configured to include at least one or more means information.

In addition, according to the present embodiment, the information receiving means 110 may determine whether or not a reservation gift for the gift certificate (605), if the customer wants to present the gift certificate on a specific date (610), the information The receiving means 110 may further receive the gift certificate gift reservation date information from the customer terminal 145 (615).

In addition, according to the present embodiment, the customer may present the gift certificate and at the same time deliver a predetermined message, wherein the information receiving means 110 provides a predetermined gift to the customer receiving the gift certificate when the gift certificate is presented. It may be further confirmed whether the message is delivered (620).

If the customer wants to deliver a predetermined message for the gift certificate gift (625), the information receiving means 110 receives the predetermined message information to be provided in the gift certificate gift from the customer terminal 145 ( 630).

Here, the message information may include information on a predetermined message (message including text and / or image, and / or multimedia content) to be provided when presenting the gift certificate to the customer receiving the gift certificate.

Then, the gift certificate registration unit 130 stores the gift certificate information in association with the gift certificate recipient customer information received through the information receiving means 110 and / or message information to be stored in a predetermined storage medium 140 (635). ).

The information providing means may be configured to transmit the gift certificate information data and / or the gift certificate unique identification code and / or the gift certificate payment processing history and / or the gift certificate purchase receipt to the customer's wireless terminal and / or wired communication medium. In step 640, the customer receiving the gift certificate corresponds to the payment certificate information data and / or gift certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt through the process of FIG. Vouchers may be received and / or exchanged.

7 is a simple flowchart of a gift certificate management process according to a preferred embodiment of the present invention.

FIG. 7 illustrates that a customer selects a gift certificate according to the present invention and a payment process for the selected gift certificate is performed in the gift certificate management process described in FIG. 140, the voucher payment history information is transmitted to the customer wireless terminal and / or the wired communication medium, and the voucher information data and / or the voucher unique identification code and / or the payment process are performed through the process of FIG. Alternatively, after receiving and / or exchanging a gift certificate corresponding to the gift certificate settlement process and / or the purchase receipt of the gift certificate, the flow chart is a simple flow chart of the process of using the gift certificate.

Referring to FIG. 7, the illustrated embodiment may be started from a process in which the gift voucher purchaser or a gift voucher customer requests the use of the purchased or received voucher in a country (eg, a merchant) corresponding to the gift voucher information. (700).

Preferably, the predetermined payment terminal (or gift certificate processing terminal) 155 in which the gift certificate is used receives a gift certificate (or gift certificate data) from the customer or purchaser of the gift certificate (705).

Here, the process of the payment terminal (or gift certificate processing terminal) 155 receives a gift certificate (or gift certificate data) from the gift certificate purchase customer or the receiving customer, is provided with a real gift certificate and / or the gift certificate is a customer purchasing the gift certificate Or when stored in the wireless terminal owned by the receiving customer, the predetermined code included in the gift certificate information is recognized through a reader or the like, and / or predetermined short-range communication means (eg, Bluetooth, RF, infrared, Wi-Fi, WiBro, etc.) can be sent.

In addition, the payment terminal (or gift certificate processing terminal) 155 confirms the payment amount of the gift certificate (710), and based on the received gift certificate (or gift certificate data) and the confirmed gift certificate payment amount of Figure 15 and The same gift certificate payment processing approval request text may be generated (715).

The payment terminal (or gift certificate processing terminal) 155 transmits the generated gift certificate payment processing approval request message to the gift certificate payment processing means through a predetermined communication network (720), and the gift certificate payment processing means 135 The validity of the payment certificate requested for the payment processing is checked with reference to the transmitted gift certificate payment processing approval request text (725).

If the validity of the gift certificate is not authenticated (730), the gift certificate payment processing means 135 generates a full payment processing approval response message including a gift certificate payment disapproval message to the payment terminal (or gift certificate processing terminal). Transmit (735).

On the other hand, if the validity of the gift certificate is authenticated (740), the gift certificate payment processing means 135 performs the payment processing for the requested gift certificate (745), payment processing approval including the gift certificate payment processing approval message A response message is generated and transmitted to the payment terminal (or gift certificate processing terminal) 155 (750).

The generated payment processing approval response full text is illustrated by an embodiment thereof through FIG. 16.

Then, the payment terminal (or gift certificate processing terminal) 155 outputs the payment processing history and / or receipt according to the transmitted payment processing approval response full text and delivers to the customer gift payment request customer (755).

At this time, if the remaining amount for the gift certificate, the remaining amount of the gift certificate is paid in cash to the customer using the gift certificate and / or, the gift certificate management system 100 or gift certificate management device (or server) 200 This indicates that the amount can be balanced and stored.

8 to 9 are exemplary diagrams of a simple gift certificate information display screen outputted to the customer terminal 145 when predetermined gift certificate information is provided to the customer terminal 145 according to the present invention.

In particular, FIG. 8 is an exemplary view showing a gift certificate information providing screen output to the wired terminal when the customer terminal 145 is a wired terminal according to an embodiment of the present invention, and FIG. 9 shows that the customer terminal 145 is wireless. In the case of a terminal, it is an exemplary view of a gift certificate information providing screen output to the customer wireless terminal.

Preferably, the gift certificate information provided to the customer terminal 145, at least one or more of the gift certificate name and / or gift voucher merchant and / or the gift voucher country and / or gift card value as shown in Figure 8 to Figure 9 It may be made, including, and is also classified and provided according to the gift certificate name and / or gift voucher merchant and / or the country using the gift certificate and / or the value of the gift certificate amount.

10 to 11 are, according to the present invention, after the payment processing for the gift certificate selected by the customer is performed, the gift certificate unique identification code and / or gift certificate payment processing history and / or purchase the gift certificate corresponding to the payment processed gift certificate In the process of receiving a receipt to the customer terminal 145 is an exemplary screen output to the customer terminal 145.

Here, FIG. 10 is an exemplary view showing a screen in which the gift certificate unique identification code and / or gift certificate payment processing details and / or the gift certificate purchase receipt are provided to the wired terminal when the customer terminal 145 is a wired terminal. 11 is a diagram illustrating a screen in which the gift certificate unique identification code and / or gift certificate payment processing details and / or the gift certificate purchase receipt are provided to the wireless terminal when the customer terminal 145 is a wireless terminal.

Referring to FIGS. 10 to 11, the information displayed on the screen of the customer terminal may include a currency exchange rate (or currency exchange information) between a currency of a country in which a gift certificate selected by the customer is used and a currency paid by the customer; and / or In response to the exchange rate (or exchange information), payment amount information according to the purchase of the gift certificate selected by the customer may be included.

12 is a functional block diagram of a gift certificate management device (or server) 1200 according to another preferred embodiment of the present invention.

12 illustrates a currency exchange rate between a currency of a country in which a gift voucher intended to be purchased and the currency in which the customer pays when selling at least one voucher used in at least one or more countries to a customer according to the present invention. Exchange information), and calculates payment amount information according to the purchase of the gift certificate selected by the customer in correspondence with the confirmed exchange rate (or exchange information), and is linked with the customer terminal 145 and a predetermined exchange processing means. And perform payment processing according to the calculated gift certificate purchase, and transmit the gift certificate information data, the wireless terminal information and / or card information owned by the gift certificate purchaser (and / or the customer who will receive the purchased gift certificate); / Or voucher management device for storing and registering in a predetermined storage medium 140 by processing in conjunction with customer identification information and / or customer authentication information (or A simplified functional configuration of the server) 1200. FIG.

Preferably, the illustrated gift certificate management apparatus (or server) 1200 may be provided with at least one or more function components for performing the function. Referring to FIG. 12, the gift certificate management apparatus (or server) 1200 may be provided. ), The currency exchange rate checking unit 1215, the payment processing unit 1225, the gift certificate registration unit 1230, the information providing unit 1205, the information receiving unit 1210, the information reading unit 1245, the gift certificate payment processing unit 1235, The information transmitter 1250, the information updater 1220, and the settlement processor 1240 may be configured.

The exchange rate checking unit 1215, when selling at least one or more gift certificates used in at least one country to the customer, the exchange rate between the currency of the country in which the gift certificate that the customer intends to purchase is used and the currency that the customer pays (Or exchange information).

The payment processing unit 1225 calculates payment amount information according to the purchase of the gift certificate selected by the customer, in response to the exchange rate (or exchange information) confirmed through the exchange rate checking unit 1215. 145) and payment processing according to the calculated gift certificate purchase in connection with a predetermined currency exchange processing means.

In addition, the payment processing unit 1225 calculates the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) and adds it to the payment amount in the process of performing the payment process according to the purchase of the gift certificate. It features.

The voucher registration unit 1230 may store the voucher information data processed through the payment processing unit 1225 and the wireless terminal information and / or card information owned by the voucher purchase customer (and / or the customer who will receive the voucher). And / or store and register in the predetermined storage medium 145 in association with the customer identification information and / or customer authentication information.

In addition, the illustrated gift certificate management apparatus (or server) 1200, the customer terminal 145, at least one or more gift certificate information used in at least one or more countries (for example, gift certificate name and / or gift certificate use merchant and / or gift certificate use) And an information providing unit 1205 for providing information on at least one country and / or gift voucher value) and an information receiving unit 1210 for receiving gift certificate selection information to be purchased from the customer terminal 145. Can be configured.

Here, the information receiving unit 1210 may receive the gift certificate recipient customer information to present the gift certificate from the gift certificate customer, the received gift certificate customer information, the gift certificate recipient customer personal information and the gift certificate receipt It may include at least one customer authentication information, the wireless terminal information of the customer receiving the gift certificate, and the wired communication means information of the customer receiving the gift certificate.

In addition, the information receiving unit 1210, the date information to present the gift certificate to the gift certificate recipient and / or a predetermined message (text and / or image, and / to provide when presenting the gift certificate to the gift certificate recipient customer; Or a message including multimedia content) may be further received.

In addition, the information receiving unit 1210 may be a wireless terminal information and / or card information owned by the gift voucher customer (and / or customer to receive the purchased voucher) from the gift voucher customer (and / or the gift voucher customer). And / or at least one customer identification information and / or customer authentication information.

In addition, the illustrated gift certificate management device (or server) 1200, the gift certificate information data registered through the gift certificate registration unit 1230 and / or the gift certificate unique identification code and / or gift certificate payment processing history and / or Information for providing the voucher purchase receipt to the wireless terminal and / or wired communication media (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) owned by the voucher purchaser and / or the customer receiving the voucher. It may be configured to further include a providing unit 1205.

According to an exemplary embodiment of the present invention, the gift certificate management device (or server) 1200, when the gift certificate purchaser or the customer receiving the gift certificate uses the gift certificate (or gift certificate data) in a country corresponding to the gift certificate information, Owns a gift voucher purchaser (and / or a customer to receive the voucher) at a predetermined payment terminal (or gift voucher processing terminal) 155 and / or the gift voucher purchaser (or the voucher recipient) terminal 145. When receiving at least one or more wireless terminal information and / or card information and / or customer identification information and / or customer authentication information, the information receiving unit 1210 and the storage medium 140 (or storage medium operating means) The gift voucher using information voucher 1245 for reading the gift voucher information data matching the received information and using the read voucher information data. It can be configured to further include a gift certificate payment processing section 1235 for processing a payment for the liquid.

In addition, the gift certificate management device (or server) 1200, the payment terminal (or gift certificate processing terminal) 155 and / or the gift certificate purchase customer or the Updating the gift certificate information data in response to an information transmission unit 1250 for notifying a gift certificate receiving customer terminal (for example, the customer wireless terminal) and / or the result of the payment of the gift certificate usage value using the gift certificate information data. An information update unit 1220 and / or a settlement processing unit 1240 for performing a predetermined gift certificate processing settlement may be further provided in response to a result of the payment of the gift certificate use value using the gift certificate information data.

Preferably, each component provided in the gift certificate management apparatus (or server) 1200 shown in FIG. 12 may be provided in a single server (or apparatus) or in a plurality of servers (or apparatuses). .

In addition, the gift certificate management device (or server) may be composed of a single device or a plurality of devices.

In addition, the gift certificate management device (or server) 1200 is characterized in that it comprises a recording medium recording a computer-readable program for performing the above-described at least one device component.

13 is a simple flowchart of a gift certificate management process according to another preferred embodiment of the present invention.

Referring to FIG. 13, the illustrated embodiment may begin with a process of initiating the sale of at least one gift certificate used in at least one country (1300).

When the customer selects a gift certificate to purchase and requests a purchase (1305), the exchange rate checking unit 1215 of the gift certificate management device (or server) 1200 shown in FIG. 12 indicates that the country in which the gift certificate selected by the customer is used is used. Check the currency of the customer and the currency to be paid (1310).

In addition, the exchange rate check unit 1215 checks the currency exchange rate information between the currencies in connection with a predetermined storage medium (or terminal) 145 for storing the currency exchange rate information for each country (1315), the confirmed Based on the currency exchange rate information between currencies to check the exchange fee (1320).

Then, the payment processing unit 1225 of the gift certificate management device (or server) 1200, based on the currency exchange rate information and / or exchange fee confirmed through the exchange rate confirmation unit 1215, the purchase of the gift certificate selected by the customer To calculate the payment amount information according to (1325), and waits for the payment request of the customer.

If there is a request for payment of the selected gift certificate from the customer (1330), the payment processing unit 1225 of the gift certificate management device (or server) performs payment processing for the selected gift certificate in connection with the customer terminal 145 and an exchange processing means. Perform (1335).

In addition, the gift certificate registration unit 1230 of the gift certificate management device (or server) 1200 is associated with the payment information and the customer information (wireless terminal, card, customer identification / authentication information, etc.) a predetermined storage medium ( 140, and (1340).

In addition, the information receiving unit 1210 of the gift certificate management device (or server) 1200 checks whether the customer owns or presents the gift certificate, which has been processed, from the customer terminal 145 (1345), and the customer If you want to present a gift voucher payment is completed (1350), the purchase gift voucher gift process may be carried out through the process shown in Figure 6 (A).

However, if the user wants to own the payment voucher of the payment process (1355), the gift certificate registration unit 1230 stores the payment voucher information and the customer information in a predetermined storage medium 140 in association with the information, Study 1205 transmits the payment voucher information data and / or gift voucher unique identification code and / or voucher payment processing history and / or the voucher purchase receipt to the customer wireless terminal and / or wired communication media, etc. ( 1360).

Here, the gift certificate acquiring process using the gift certificate information data and / or the gift certificate unique identification code and / or the gift certificate payment processing history and / or the gift certificate purchase receipt, etc., which are transmitted to the customer wireless terminal and / or the wired communication medium, are described above. It may proceed through Figure 5.

In addition, if the gift voucher purchaser and / or the gift voucher receiving customer who has obtained the payment voucher to use the gift voucher (1365), the voucher using process will be described in more detail with reference to Figure 7 below. .

14 is a simplified flowchart of a gift certificate management process according to another preferred embodiment of the present invention.

FIG. 14 shows that in the gift certificate management process described with reference to FIG. 13, a customer selects a gift certificate according to the present invention, and a payment process is performed on the selected gift certificate, and the payment-processed gift certificate information is stored in the customer information and the storage medium ( 140, the voucher payment history information is transmitted to the customer wireless terminal and / or the wired communication medium, and the voucher information data and / or the voucher unique identification code and / or the payment process are performed through the process of FIG. Alternatively, after receiving and / or exchanging a gift certificate corresponding to the gift certificate settlement process and / or the receipt of the gift certificate purchase, the flow chart is an embodiment of a process of using the gift certificate.

In addition, the illustrated embodiment is characterized in that the gift certificate is used through a predetermined card (for example, credit / debit card, membership card, etc.) associated with the gift certificate information (or data), which is one embodiment It should be noted that the present invention may be further added and applied to various implementation methods in the process of implementing the present invention.

Referring to FIG. 14, the illustrated embodiment may be started from a process in which a gift voucher customer or a gift voucher customer requests the use of the voucher purchased or received in a country (such as a merchant) corresponding to the gift voucher information. (1400).

Preferably, the predetermined payment terminal (or gift certificate processing terminal) 155 in which the gift certificate is used is provided with predetermined card information (eg, card number) from a card associated with a gift certificate (or gift certificate data) from the gift certificate purchaser or the receiving customer. And the like) (1405).

Then, the payment terminal (or gift certificate processing terminal) 155 checks the gift voucher payment amount requested from the customer (1410), payment of the gift certificate based on the card information read from the customer card and the confirmed gift voucher payment amount. Generate the full text of the processing approval request (1415).

The payment terminal (or gift certificate processing terminal) 155 transmits the generated gift certificate payment processing approval request message to the information receiving unit 1210 through a predetermined communication network (1420), and the information receiving unit 1210 transmits the information. The received gift certificate payment processing approval request text is received and transmitted to the information reading unit 1245 (1425).

The information reading unit 1245 checks the card information included in the gift certificate payment processing approval request message transmitted from the information receiving unit 1210 (1430), and stores the card information and the gift certificate information (or data) corresponding thereto. In operation 1435, the gift card information (or data) matching the card information is read in cooperation with the storage medium 140.

Then, the gift certificate payment processing unit 1235 of the gift certificate management device (or server) 1200 checks the validity of the gift certificate requested for payment processing (1440), if the validity of the gift certificate is not authenticated (1445). The voucher payment processing unit 1235 may generate a payment processing approval response message including a voucher payment processing disapproval message and transmit it to the payment terminal (or voucher processing terminal) 155 (1450).

On the other hand, if the validity of the gift certificate is authenticated (1455), the gift certificate payment processing unit 1235 performs payment processing for the payment request gift certificate, and completes the payment processing approval response message including the gift certificate payment processing approval message. It generates and transmits to the payment terminal (or gift certificate processing terminal) (155) (1460).

At this time, the payment terminal (or gift certificate processing terminal) 155 may output the payment processing history and / or receipt according to the transmitted payment processing approval response message to the customer gift payment request customer.

In this case, the output payment processing history and / or receipt is preferably included in the gift certificate approval details and / or gift certificate remaining amount information.

Meanwhile, the settlement processing unit 1240 of the voucher management device (or server) 1200 performs a voucher settlement process in response to the voucher usage value processing result, and the information update unit 1220 is based on the voucher processing settlement result. In response, the gift certificate information data is updated / stored (1465).

15 is a view illustrating a full text certificate payment approval request according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates a batch of token certificates owned by the gift certificate user and predetermined token codes generated by the token agent by using a conventional credit card payment approval request text as a gift certificate payment approval request text in an offline payment terminal. As an example of the transmission method, a person having ordinary knowledge in the technical field to which the present invention pertains will clearly understand each component of the full credit card payment approval request, and thus detailed description thereof will be omitted.

Referring to FIG. 15, a predetermined transaction identifier (eg, “tg”) requesting a token code-based gift certificate payment authorization is included in the 'transaction section' area of the credit card payment authorization request text message, thereby displaying on the payment network. The specialized relay means (e.g., VAN) provided confirms that the preamble is not requesting a credit card authorization, but is requesting a token code-based voucher payment authorization according to the present invention. It can be provided as a payment processing means.

In particular, referring to FIG. 15, the preamble of the gift certificate payment approval request is generated by wireless terminal information (for example, 11-digit wireless terminal telephone number) of the gift certificate user and a predetermined token agent in order to increase security of the gift certificate payment. A token code (eg, 10-digit token code) may be included in the "TRACK II Data" area of the full text message and transmitted to the gift certificate payment processing means, and the gift certificate payment processing means receiving the full text is the "transaction classification" area. The wireless terminal information and the token code may be read from the “TRACK II Data” region with reference to a transaction identifier of.

If one of ordinary skill in the art to which the present invention belongs, it is possible to perform a separate gift certificate payment approval request full text with reference to this figure 15, and if the payment terminal is an online payment terminal in the payment terminal The gift certificate payment approval request information transmitted to the gift certificate payment server may be easily implemented, and the present invention is not limited thereto.

16 is a view illustrating a full text certificate payment approval response according to an embodiment of the present invention.

In more detail, Figure 16 illustrates an implementation method of utilizing a conventional credit card payment approval full text as a gift certificate payment approval text, and a person having ordinary knowledge in the technical field to which the present invention belongs, the credit card payment approval professional Since each component will be clearly understood, detailed description thereof will be omitted.

Referring to FIG. 16, a predetermined transaction identifier (eg, “tg”) requesting a token code-based voucher payment authorization is included in the 'transaction section' area of the credit card payment authorization request message, whereby the message is a gift certificate. Can perform the function of payment approval specialist.

The "message 1" area of the full text may include a "product payment approval" message, the "message 3" area may include a "gift certificate balance" message, and the "message 4" area may include a "gift certificate code" message. have.

In addition, the "authorization number" area of the preamble may include a "gift certificate settlement approval number" or "rejection reason code", the "card company (bank) type name" area of the preamble may include a "gift certificate type name" The "issuer ID" area of the specialist may include a "gift certificate issuer ID".

Those skilled in the art to which the present invention pertains may refer to this drawing 16 and may carry out a separate gift certificate payment approval full text, and the present invention is not limited thereto.

17 is a view illustrating a voucher payment receipt according to an embodiment of the present invention.

In more detail, Figure 17 illustrates an implementation method of using a conventional credit card payment receipt form as a voucher payment approval receipt, and prints the contents of the gift certificate payment approval text as shown in Figure 16 in the credit card payment receipt form. It is about the case. Those skilled in the art to which the present invention pertains will clearly know each component of the credit card receipt, so a detailed description thereof will be omitted.

Referring to Figure 17, the voucher type name is printed in the "card type / card type" form area of the receipt, "member number / card no." The gift voucher code may be printed in the form area, the "transfer gift voucher approval" message may be printed in the "transaction type / TRAND CLASS" form area, and the gift voucher payment amount may be printed in the "value" form area, " A voucher issuing agency may be printed in the document purchase company "form area, and the balance of the voucher may be printed in the preliminary form area of the receipt.

Those skilled in the art to which the present invention pertains, refer to this figure 17 when a predetermined receipt form is not fixed (for example, the receipt form is dynamically set by the printing function configuration of the payment terminal) It will be possible to give a separate voucher payment receipt), thereby not limiting the present invention.

According to the present invention, by providing a gift certificate that can be used locally to overseas travel (visit) visitors (for example, the person, friends, relatives, etc.) through a gift certificate management system and a method that can be used overseas, Guests have the advantage that they do not have to carry too much currency and therefore cash.

In addition, there is an advantage that even those who present the gift certificate can make a more useful gift.

In addition, the gift voucher has the advantage that can greatly enhance the reputation and credit rating internationally.

Claims (96)

Gift voucher information providing step of providing at least one or more voucher information used in at least one or more countries from a predetermined information providing means to a customer terminal; An information receiving step of receiving gift certificate selection information to be purchased from the customer terminal in a predetermined information receiving means; A currency exchange information confirming step of confirming a currency exchange rate (or currency exchange information) between a currency of a country in which a gift certificate selected by the customer is used and a currency paid by the customer in a predetermined information checking means; A payment amount calculating step of calculating payment amount information according to the purchase of a gift certificate selected by the customer in response to the identified exchange rate (or exchange information) by a predetermined information calculating means; And And a payment processing step of performing payment processing according to the calculated gift certificate purchase in connection with the customer terminal and a predetermined currency exchange processing means in a predetermined payment processing means. According to claim 1, And storing an information stored in a predetermined storage medium by linking the payment-completed gift certificate information and the customer information in a predetermined gift certificate registration means. According to claim 1, An information receiving step of receiving gift certificate recipient customer information to present the gift certificate from the customer terminal in a predetermined information receiving means; And And storing information in the predetermined storage medium by linking and processing the received gift certificate information and the gift certificate recipient customer information in a predetermined gift certificate registration means. The method of claim 3, wherein the gift certificate customer information,  And at least one of the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wired communication means information. The method of claim 3, The information receiving step, And receiving date information for presenting the gift certificate to the customer receiving the gift certificate. The information storage step, Gift voucher management method characterized in that it further stores the received date information. The method of claim 3, The information receiving step, And receiving predetermined message (message including text and / or image, and / or multimedia content) information to be provided when the gift certificate is presented to the customer receiving the gift certificate. The information storage step, And storing the received message (message including text and / or image and / or multimedia content) information. The method of claim 1 or 3, The gift voucher customer and / or the gift voucher customer who received the voucher information data and / or the voucher voucher unique identification code and / or voucher voucher transaction details and / or the voucher purchase receipt in a predetermined information providing means. A method of managing a gift certificate further comprising the step of providing information to a proprietary wireless terminal and / or a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or an automated device. The method of claim 1 or 3, The payment voucher unique identification code and / or gift voucher payment processing history and / or the predetermined voucher information data are not directly provided to the voucher purchase customer and / or the voucher receiving customer by a predetermined information providing means. When providing a voucher purchase receipt to the wireless terminal and / or wired communication media (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or automated devices owned by the voucher and / or customer receiving the voucher, Receiving the voucher unique identification code and / or voucher payment processing history and / or the voucher purchase receipt from the voucher purchase customer and / or the voucher receiving customer in the predetermined voucher management means in a predetermined voucher management means Thereafter, by matching the previously stored information, the payment voucher unique identification code and / or gift voucher payment processing history and / or the gift voucher purchase receipt is authenticated, and according to the authentication result, the gift voucher customer and / or Gift voucher receiving method further comprises a gift voucher exchange step for providing a gift voucher (or gift voucher data) to the customer. The method of claim 1 or 3, When the voucher purchaser or the voucher receiving customer uses the voucher (or voucher data) in a country corresponding to the voucher information, After receiving the voucher (or voucher data) from the voucher purchase customer or the voucher receiving customer at a predetermined payment terminal (or voucher processing terminal), the voucher information (or voucher data) and the predetermined voucher use amount information are provided. An information transmitting step of transmitting to the predetermined gift certificate payment processing means; And Checking the validity of the gift certificate information (or gift certificate data) in the gift certificate payment processing means, and according to a result of the verification, payment processing of the gift certificate use amount using the gift certificate; How to manage. According to claim 1, The gift certificate information, A voucher management method comprising at least one of a voucher name and / or a voucher using merchant and / or a voucher using country and / or a voucher value. The method of claim 1, wherein the customer terminal, And a wired terminal including a PC, a wireless terminal including at least one of a mobile phone, a PDA, a portable internet phone, and telematics, a wired telephone, and at least one automation device such as a CD / ATM and a kiosk. How to manage gift certificates. The method of claim 1, wherein the gift certificate information providing step, Gift certificate management method characterized in that to provide the at least one gift certificate information classified by merchant and / or by country. According to claim 1, wherein the exchange information confirmation step, Gift certificate management method characterized in that for confirming the exchange information in association with a storage medium (or terminal) for storing the currency conversion information for each country. The method of claim 1, wherein the calculating of the payment amount, And calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) and adding the fee to the settlement amount. The method of claim 1, wherein the payment processing step, A voucher management method characterized in that the payment processing using credit card payment, bank transfer, mobile phone charges (IDR), or bankbook payment. A recording medium, comprising recording a program for executing the method of any one of claims 1 to 15. Gift voucher information providing step of providing at least one or more voucher information used in at least one or more countries from a predetermined information providing means to a customer terminal; An information receiving step of receiving gift certificate selection information to be purchased from the customer terminal in a predetermined information receiving means; A currency exchange information confirming step of confirming a currency exchange rate (or currency exchange information) between a currency of a country in which a gift certificate selected by the customer is used and a currency paid by the customer in a predetermined information checking means; A payment amount calculating step of calculating payment amount information according to the purchase of a gift certificate selected by the customer in response to the identified exchange rate (or exchange information) by a predetermined information calculating means; And And a payment processing step of performing a payment processing according to the calculated gift certificate purchase in connection with the customer terminal and a predetermined currency exchange processing means in a predetermined payment processing means. Any one of the gift certificate information providing step or payment processing step, An information receiving step of receiving gift certificate recipient customer information to receive the payment-processed gift certificate from the customer terminal; And storing an information stored in a predetermined storage medium by linking and processing the paid gift certificate information and the gift certificate receiving customer information. A recording medium comprising a program for executing the method of claim 17. When selling at least one gift certificate used in at least one country to a customer, a currency exchange rate (or currency exchange information) between the currency of the country in which the gift certificate the customer intends to purchase is used in a predetermined information checking means is used. Exchange information checking step to check); A payment amount calculating step of calculating payment amount information according to the purchase of a gift certificate selected by the customer in response to the identified exchange rate (or exchange information) by a predetermined information calculating means; A payment processing step of performing payment processing according to the calculated gift certificate purchase in connection with the customer terminal and a predetermined currency exchange processing means in a predetermined payment processing means; And Wireless terminal information and / or card information and / or customer identification information and / or customer owning the voucher information data processed by the gift voucher registration means owned by the voucher purchase customer (and / or the customer to receive the purchased voucher). And a gift certificate information data registration step of storing and registering the certificate information in a predetermined storage medium in association with the authentication information. 20. The method of claim 19, wherein the exchange information confirmation step, Gift voucher information providing step of providing at least one or more voucher information used in at least one or more countries from a predetermined information providing means to a customer terminal; And And a information receiving step of receiving, at a predetermined information receiving means, gift certificate selection information to be purchased from the customer terminal. The method of claim 20, wherein the gift certificate information, A voucher management method comprising at least one of a voucher name and / or a voucher using merchant and / or a voucher using country and / or a voucher value. The method of claim 20, wherein the customer terminal, A wired terminal including a PC, a mobile phone, a PDA, a portable internet phone, a wireless terminal including at least one or more telematics, a wired phone, and at least one automation device such as a CD / ATM or KIOSK. How to manage a gift certificate. The method of claim 19, And a information receiving step of receiving, at a predetermined information receiving means, gift certificate recipient customer information to present the gift certificate from the gift certificate purchasing customer. The method according to claim 23, wherein the gift certificate receiving customer information,  And at least one of the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wired communication means information. The method of claim 23, wherein the information receiving step, Gift voucher management method characterized in that it further receives date information to present the gift certificate to the customer receiving the gift certificate. The method of claim 23, wherein the information receiving step, Gift certificate management method characterized in that it further receives a predetermined message (message including text and / or image, and / or multimedia content) to provide the gift certificate to the customer receiving the gift certificate. The method of claim 19, Wireless terminal information and / or card information and / or customer owned by the gift voucher purchaser (and / or the customer who will receive the purchased voucher) from the gift voucher purchaser (and / or the gift voucher customer) in a predetermined information receiving means. Gift certificate management method characterized in that for receiving at least one or more identification information and / or customer authentication information. The method of claim 19, In the predetermined information providing means, the registered gift certificate information data and / or the payment certificate unique identification code and / or gift certificate payment processing history and / or the gift certificate purchase receipt are owned by the gift certificate purchase customer and / or the customer receiving the gift certificate. A gift certificate management method further comprising the step of providing information to a wireless terminal and / or a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or an automated device. The method of claim 19, When the gift voucher purchaser or the gift voucher customer uses the gift voucher (or gift voucher data) in a country corresponding to the gift voucher information, Wireless terminal information and / or card information and / or card possession and / or card information owned by the gift voucher purchaser or the gift voucher receiving customer at a predetermined payment terminal (or gift voucher processing terminal) An information transmitting step of receiving the at least one customer identification information and / or the customer authentication information, and transmitting the information and the predetermined gift certificate use value information to a predetermined gift certificate settlement processing means; And The gift certificate payment processing means reads gift certificate information data matching the information transmitted from the payment terminal (or gift certificate processing terminal) in association with the storage medium (or storage medium operation means), and reads the read gift certificate information data. And processing the payment of the gift certificate using amount using the gift certificate management method further comprising. The method of claim 29, And notifying the payment terminal (or gift certificate processing terminal) and / or the gift certificate purchase customer or the gift certificate receiving customer terminal of the gift certificate use amount payment processing result using the gift certificate information data by the gift certificate payment processing means. Gift certificate management method characterized in that made by. The method of claim 29, And updating the gift certificate information data in response to the gift certificate use amount payment processing result using the gift certificate information data in the gift certificate payment processing means. The method of claim 29, And performing a predetermined gift certificate processing settlement in response to the gift certificate use amount payment processing result using the gift certificate information data in the gift certificate payment processing means. The method of claim 19, wherein the calculating of the payment amount, And calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) and adding the fee to the settlement amount. The method of claim 19, wherein the payment processing step, A voucher management method characterized in that the payment processing using credit card payment, bank transfer, mobile phone charges (IDR), or bankbook payment. A recording medium comprising a program for executing the method of any one of claims 19 to 34. Information providing means for providing at least one gift certificate information used in at least one country to a customer terminal; Information receiving means for receiving gift certificate selection information to be purchased from the customer terminal; Information checking means for confirming a currency exchange rate (or currency exchange information) between a currency of a country in which the gift certificate selected by the customer is used and a currency paid by the customer; Information calculating means for calculating payment amount information for purchasing a gift certificate selected by the customer in response to the confirmed exchange rate (or exchange information); And And a payment processing means for performing the payment processing according to the calculated gift certificate purchase in connection with the customer terminal and a predetermined currency exchange processing means. The method of claim 36, Gift voucher management system characterized in that it further comprises a gift voucher registration means for linking the payment information and the customer information of the payment completed in a predetermined storage medium. The method of claim 36, The information receiving means, Characterized in that further receiving the gift certificate recipient customer information to present the gift certificate from the customer terminal, The gift certificate registration means, Gift voucher management system, characterized in that the payment information on the payment voucher and the customer information receiving the gift certificate is stored in a predetermined storage medium. The method according to claim 38, wherein the gift certificate customer information,  And at least one of the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wire communication means information. The method of claim 36, The information receiving means, And receiving date information for presenting the gift certificate to the customer receiving the gift certificate. The gift certificate registration means, Gift voucher management system characterized in that it further stores the received date information. The method of claim 36, The information receiving means, And receiving predetermined message (message including text and / or image, and / or multimedia content) information to be provided when the gift certificate is presented to the customer receiving the gift certificate. The gift certificate registration means, And storing the received message (message including text and / or image and / or multimedia content) information. The method of claim 36, The payment voucher information data and / or the payment voucher unique identification code and / or the gift voucher payment processing history and / or the voucher purchase receipt of the gift voucher customer and / or the customer receiving the gift voucher wireless terminal and / or A gift certificate management system further comprising information providing means for providing a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or automated devices. The method of claim 36, When the gift voucher purchaser or the gift voucher customer uses the gift voucher (or gift voucher data) in a country corresponding to the gift voucher information, A payment terminal that receives the gift certificate (or gift certificate data) from the purchaser of the gift certificate or the customer receiving the gift certificate, and then transmits the gift certificate information (or gift certificate data) and predetermined gift certificate use value information to a predetermined gift certificate settlement processing means. (Or voucher processing terminal); And And a gift certificate payment processing unit for verifying the validity of the gift certificate information (or gift certificate data), and processing payment of the gift certificate using amount using the gift certificate according to the verification result. The method of claim 36, wherein the gift certificate information, A voucher management system comprising at least one of a voucher name and / or a voucher using merchant and / or a voucher using country and / or a voucher value. The method of claim 36, wherein the customer terminal, And a wired terminal including a PC, a wireless terminal including at least one of a mobile phone, a PDA, a portable internet phone, and telematics, a wired telephone, and at least one automation device such as a CD / ATM and a kiosk. Gift certificate management system. 37. The apparatus of claim 36, wherein the information calculating means A gift certificate management system, characterized in that for calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) to the payment amount. The method of claim 36, wherein the payment processing means, A gift voucher management system, characterized in that the payment processing using credit card payment, bank transfer, mobile phone charges (IDR), or bankbook payment. 48. The apparatus of any one of claims 36 to 47, wherein each means is On a single server (or device), Gift certificate management system, characterized in that provided in a plurality of servers (or devices). When selling at least one gift certificate used in at least one country to a customer, confirming the exchange rate (or exchange information) between the currency of the country in which the gift certificate the customer wants to purchase is used and the currency in which the customer pays Way; Information calculating means for calculating payment amount information for purchasing a gift certificate selected by the customer in response to the confirmed exchange rate (or exchange information); Payment processing means for performing payment processing according to the calculated gift certificate in association with the customer terminal and a predetermined currency exchange processing means; And The payment-processed gift certificate information data is processed in association with wireless terminal information and / or card information and / or customer identification information and / or customer authentication information owned by the gift certificate purchaser (and / or the customer who will receive the purchased gift certificate). Gift certificate management system comprising a; gift voucher registration means for storing and registering in a predetermined storage medium. The method of claim 49, Information providing means for providing at least one gift certificate information used in at least one country to a customer terminal; And And a information receiving means for receiving the gift certificate selection information to be purchased from the customer terminal. The method of claim 50, wherein the gift certificate information, A voucher management system comprising at least one of a voucher name and / or a voucher using merchant and / or a voucher using country and / or a voucher value. The method of claim 49 or 50, wherein the customer terminal, And a wired terminal including a PC, a wireless terminal including at least one of a mobile phone, a PDA, a portable internet phone, and telematics, a wired telephone, and at least one automation device such as a CD / ATM and a kiosk. Gift certificate management system. The method of claim 49, And a information receiving means for receiving the gift certificate receiving customer information to present the gift certificate from the gift certificate purchase customer. 54. The method of claim 53, wherein the gift certificate receiving customer information,  And at least one of the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wire communication means information. 54. The apparatus of claim 53, wherein the information receiving means comprises: Gift voucher management system characterized in that it further receives the date information to present the gift certificate to the customer receiving the gift certificate. 54. The apparatus of claim 53, wherein the information receiving means comprises: Gift certificate management system characterized in that it further receives a predetermined message (message including text and / or image, and / or multimedia content) to provide the gift certificate to the customer receiving the gift certificate. The method of claim 49, Wireless terminal information and / or card information and / or customer identification information and / or customer owned by the voucher purchaser (and / or the customer who will receive the voucher) from the voucher purchaser (and / or the voucher recipient). A gift certificate management system further comprising information receiving means for receiving at least one authentication information. The method of claim 49, The registered voucher information data and / or the voucher unique identification code and / or the voucher payment processing history and / or the voucher purchase receipt are stored by the voucher purchaser and / or the customer who receives the voucher. A gift certificate management system further comprising information providing means provided by a communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or an automated device. The method of claim 49, When the gift voucher purchaser or the gift voucher customer uses the gift voucher (or gift voucher data) in a country corresponding to the gift voucher information, At least the wireless terminal information and / or card information and / or customer identification information and / or customer authentication information owned by the gift voucher purchaser (and / or the customer who will receive the purchased gift voucher) from the gift voucher purchaser or the voucher recipient customer. A payment terminal (or gift certificate processing terminal) for transmitting the information and predetermined gift certificate use value information to a predetermined gift certificate payment processing means after receiving one or more; And In conjunction with the storage medium (or storage medium operating means), the gift certificate information data matching the information transmitted from the payment terminal (or gift certificate processing terminal) is read, and the gift certificate use amount using the read gift certificate information data Gift voucher payment processing means for processing the payment; gift certificate management system characterized in that it further comprises. 60. The method of claim 59, wherein the voucher payment processing means, The gift certificate management system characterized by notifying the payment terminal (or gift certificate processing terminal) and / or the gift certificate purchase customer or the gift certificate receiving customer terminal of the result of the gift certificate use amount payment processing using the gift certificate information data. 60. The method of claim 59, wherein the voucher payment processing means, And gift voucher information data corresponding to the voucher used amount payment processing result using the voucher information data. 60. The method of claim 59, wherein the voucher payment processing means, And a predetermined gift certificate processing settlement, in response to a result of processing the payment of the gift certificate use amount using the gift certificate information data. 50. The apparatus of claim 49, wherein the information calculating means is A gift certificate management system, characterized in that for calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) to the payment amount. 64. The apparatus of any of claims 49 to 63, wherein each of the means comprises: On a single server (or device), Gift certificate management system, characterized in that provided in a plurality of servers (or devices). When selling at least one gift certificate used in at least one country to a customer, the currency exchange rate confirms the exchange rate (or currency exchange information) between the currency of the country in which the gift certificate the customer intends to purchase is used and the currency in which the customer pays. Identification unit; An information calculator configured to calculate payment amount information according to purchase of a gift certificate selected by the customer in response to the confirmed exchange rate (or exchange information); And And a payment processing unit configured to perform payment processing according to the calculated gift certificate purchase in connection with the customer terminal and a predetermined currency exchange processing means. 66. The method of claim 65, An information provider for providing at least one gift certificate information used in at least one country to a customer terminal; And Gift voucher management device further comprises; an information receiving unit for receiving the gift certificate selection information to be purchased from the customer terminal. 66. The method of claim 65, Gift voucher management device characterized in that it further comprises a gift voucher registration unit for storing the payment voucher information and the customer information in a predetermined storage medium. 66. The method of claim 65, And an information receiving unit for receiving gift certificate recipient customer information to present the gift certificate from the customer. The gift certificate registration unit, Gift voucher management device characterized in that the payment information associated with the payment and the gift certificate recipient customer information is stored in a predetermined storage medium. 69. The method of claim 68, wherein the gift certificate customer information,  And at least one of the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wire communication means information. The method of claim 65, wherein the gift certificate registration unit, If you receive more date information to present the gift card to a specific customer, Gift voucher management device characterized in that it further stores the received date information. The method of claim 65, wherein the gift certificate registration unit, In the case where the customer further receives a message (message including text and / or image, and / or multimedia content) information to be provided when presenting the gift certificate, And storing the received message (message including text and / or image and / or multimedia content) information. 67. The method of claim 65 or 66 wherein The payment voucher information data and / or the payment voucher unique identification code and / or the gift voucher payment processing history and / or the voucher purchase receipt of the gift voucher customer and / or the customer receiving the gift voucher wireless terminal and / or Gift voucher management device further comprises an information providing unit provided by a wired communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or automated devices. 66. The method of claim 65, When the voucher purchaser or the voucher receiving customer uses the voucher (or voucher data) in a country corresponding to the voucher information, An information receiving unit which receives the gift certificate information (or gift certificate data) from a predetermined payment terminal (or gift certificate processing terminal) and / or the gift certificate purchaser (or the gift certificate receiving customer) terminal; And a payment processing unit which checks the validity of the gift certificate information (or gift certificate data) and performs payment processing on the gift certificate using amount based on the gift certificate. 76. The method of claim 73 wherein Gift voucher management characterized in that it further comprises an information transmitting unit for notifying the payment terminal (or gift voucher processing terminal) and / or the gift voucher customer or the gift voucher customer terminal of the result of the payment of the gift voucher using the gift voucher. Device. 76. The method of claim 73 wherein And an information update unit for updating the gift certificate information data in response to a result of processing the payment of the gift certificate use amount using the gift certificate. 76. The apparatus of any one of claims 65 to 75, wherein each of the components On a single server (or device), or Gift certificate management device, characterized in that provided in a plurality of servers (or devices). The gift certificate management apparatus according to any one of claims 65 to 75, Consist of a single device, or Gift certificate management device comprising a plurality of devices. 76. A recording medium, comprising: a program for executing a function of the apparatus component of any one of claims 65 to 75; When selling at least one gift certificate used in at least one country to a customer, the currency exchange rate confirms the exchange rate (or currency exchange information) between the currency of the country in which the gift certificate the customer intends to purchase is used and the currency in which the customer pays. Identification unit; In response to the confirmed exchange rate (or exchange information), the payment amount information according to the purchase of the gift certificate selected by the customer is calculated, and the payment according to the purchase of the gift certificate calculated in connection with the customer terminal and a predetermined exchange processing means. A payment processing unit which performs processing; And The payment-processed gift certificate information data is processed in association with wireless terminal information and / or card information and / or customer identification information and / or customer authentication information owned by the gift certificate purchaser (and / or the customer who will receive the purchased gift certificate). And a gift certificate registration unit for storing and registering in a predetermined storage medium. 80. The method of claim 79 wherein An information provider for providing at least one gift certificate information used in at least one country to a customer terminal; And Gift voucher management device further comprises; an information receiving unit for receiving the gift certificate selection information to be purchased from the customer terminal. 81. The method of claim 80, wherein the gift certificate information, A voucher management device comprising at least one of a voucher name and / or a voucher using merchant and / or a voucher using country and / or a voucher value. 81. The method of claim 80, wherein the customer terminal, And a wired terminal including a PC, a wireless terminal including at least one of a mobile phone, a PDA, a portable internet phone, and telematics, a wired telephone, and at least one automation device such as a CD / ATM and a kiosk. Gift certificate management device. 80. The method of claim 79 wherein And a information receiving unit for receiving the gift certificate recipient customer information to present the gift certificate from the gift certificate purchase customer. 84. The method of claim 83, wherein the gift certificate customer information,  And at least one of the gift certificate recipient customer personal information, the gift certificate recipient customer authentication information, the gift certificate recipient customer owned wireless terminal information, and the gift certificate recipient customer wire communication means information. 84. The apparatus of claim 83, wherein the information receiver is Gift voucher management device characterized in that it further receives date information to present the gift certificate to the customer receiving the gift certificate. 84. The apparatus of claim 83, wherein the information receiver is And a predetermined message (message including text and / or images and / or multimedia contents) to be provided to the gift voucher receiving customer when the gift voucher is presented. 80. The method of claim 79 wherein Wireless terminal information and / or card information and / or customer identification information and / or customer owned by the voucher purchaser (and / or the customer who will receive the voucher) from the voucher purchaser (and / or the voucher recipient). Gift voucher management device further comprises an information receiving unit for receiving at least one authentication information. 80. The method of claim 79 wherein The registered voucher information data and / or the voucher unique identification code and / or the voucher payment processing history and / or the voucher purchase receipt are stored by the voucher purchaser and / or the customer who receives the voucher. Gift voucher management device further comprises a communication medium (e-mail, messenger, homepage, bulletin board, web hard, blog, etc.) and / or providing information to the automated device. 80. The method of claim 79 wherein When the gift voucher purchaser or the gift voucher customer uses the gift voucher (or gift voucher data) in a country corresponding to the gift voucher information, Wireless terminal information and / or owned by a predetermined payment terminal (or gift voucher processing terminal) and / or the gift voucher purchaser (or the gift voucher customer) terminal of the gift voucher purchaser (and / or the customer who will receive the purchased voucher) An information receiving unit for receiving at least one card information and / or customer identification information and / or customer authentication information; An information reader for reading gift certificate information data matching the received information in association with the storage medium (or storage medium operating means); And And a gift certificate payment processing unit for processing the payment of the gift certificate using amount using the read gift certificate information data. 91. The method of claim 89 wherein And an information transmitting unit for notifying the payment terminal (or gift certificate processing terminal) and / or the gift certificate purchasing customer or the gift certificate receiving customer terminal of the result of the gift certificate using amount payment processing using the gift certificate information data. Gift certificate management device. 91. The method of claim 89 wherein And an information update unit for updating the gift certificate information data in response to a result of processing the payment of the gift certificate value using the gift certificate information data. 91. The method of claim 89 wherein And a settlement processing unit that performs a predetermined gift certificate processing settlement in response to a result of processing the payment of the gift certificate use amount using the gift certificate information data. 80. The method of claim 79, wherein the payment processing unit, A gift certificate management device, characterized in that for calculating the exchange fee between different currencies corresponding to the confirmed exchange rate (or exchange information) to the payment amount. 95. The apparatus of any one of claims 79 to 93, wherein each of the components is On a single server (or device), or Gift certificate management device, characterized in that provided in a plurality of servers (or devices). The gift certificate management apparatus according to any one of claims 79 to 93, Consist of a single device, or Gift certificate management device comprising a plurality of devices. A program according to any one of claims 79 to 93, wherein a program for executing a function of the apparatus component part is recorded.

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