KR20100001885A - System and method for providing coupon by costomary establishment identification and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for providing a coupon by checking a regular customer, a system thereof and a recording medium therefor are provided to supply a coupon to a member store regular customer during card payment of a customer matched with a regular customer condition that a member store owner sets. CONSTITUTION: Payment process details of a payment authentication result text are read so that a VoIP terminal checks payment authentication(910). The VoIP terminal checks discount information included in the payment authentication result text(920). Coupon data is generated based on the discount information(925). The coupon data is offered to a coupon issuing device connected through the VoIP terminal, cable communication and/or local area communication so that the VoIP terminal outputs a coupon corresponding to the coupon data(930).

Description

System and Method for Providing Coupon by Costomary Establishment Identification and Recording Medium}

1 is a diagram illustrating a functional configuration of a VoIP terminal for a merchant having a coupon production and issue function for providing a coupon through a regular customer check according to an embodiment of the present invention.

2 is a view showing a card payment system configuration with a coupon providing function through the regular customer confirmation according to the embodiment of the present invention.

3 is a view showing a coupon production process for providing a coupon through a regular customer confirmation according to an embodiment of the present invention.

4 is a diagram illustrating a payment approval request process for providing a coupon through a regular customer confirmation according to an embodiment of the present invention.

5 is a diagram illustrating a payment approval request process for providing a coupon through a regular customer confirmation according to another embodiment of the present invention.

6 is a view showing a bansa treatment process for providing a coupon through the customer confirmation in accordance with the method of the present invention.

7 is a diagram illustrating a payment approval process according to an embodiment of the present invention.

8 is a view illustrating a discount (or free ticket) processing process for the merchant / Bansa regular customer according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a coupon issuing process for a merchant / bansa regular customer through an affiliated store VoIP terminal according to an exemplary embodiment of the present invention.

FIG. 10 is a view illustrating a coupon issuing process for a merchant / bansa regular customer through an affiliated store VoIP terminal according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a coupon issuing process for a merchant / bansa regular customer through an affiliated store VoIP terminal according to another exemplary embodiment of the present invention.

12 is a view showing a discount (or free ticket) processing process for merchants / Bansa regular customers according to another embodiment of the present invention.

FIG. 13 is a view illustrating a coupon issuing process for a merchant / bansa regular customer through a bansa server according to an embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: sound processing unit

130: memory unit 135: communication processing unit

140: security application module 143: power supply

145: communication channel switching unit 147: information input unit

150: professional generation unit 153: professional transmission unit

155: professional receiving unit 157: professional processing unit

160: interface output unit 163: information processing unit

165: coupon design receiving unit 167: information transmission unit

170: information confirmation unit 173: information receiving unit

175: coupon generation unit 177: coupon transmission unit

180: coupon provider 185: VoIP gateway

190: Bansa Server 195: Gatekeeper

The present invention outputs a coupon issuer selection interface for selecting a coupon issuer by selecting a coupon production button (or menu) provided in a VoIP terminal for a merchant, and if the coupon issuer is selected as an affiliate store through the coupon issuer selection interface, Coupon design information to be issued by the merchant, one or more transaction history number (or transaction amount size) information for identifying the regular customer of the merchant, discount (or free ticket) information for each transaction number (or transaction amount size) information Outputting a coupon making interface to select (or input) the abnormality, and if the coupon issuer is selected as a bansa, outputting a coupon making interface for selecting (or entering) coupon design information issued by bansa through the affiliated store; If the coupon issuer is a merchant, coupon issuer information corresponding to the merchant and Blind spot number, coupon design information selected (or input) through the coupon creation interface, transaction history number (or transaction amount size) information, transaction history number (or transaction amount size) discount (or free ticket) information Transmitting to the bansa server, and if the coupon issuer is bansa, transmitting the coupon issuer information corresponding to the bansa, the merchant number, and the coupon design information selected (or input) through the coupon making interface to the bansa server. And if the coupon issuer is a merchant, the coupon issuer information, the merchant number, the coupon design information, the transaction history number (or transaction amount size) information, the transaction history number (or transaction amount size), discount (or free ticket) Information stored in a storage medium, and if the coupon issuer is Bansa, the coupon issuer information, the merchant number, and the coupon design. And storing the transaction history number (or transaction amount size) information and the discount (or free ticket) information for each transaction history number (or transaction amount size) in association with the bansa regular customer and storing the information in a storage medium. It relates to a coupon providing method through the customer confirmation including a.

Due to the continuous development of information and communication technology, Voice over Internet Protocol (VoIP) service, which provides voice call service through a data communication network, has been commercialized. Recently, the VoIP terminal is distributed to an affiliated store after the card reader is mounted on the VoIP terminal. In addition to using as a VoIP phone for processing voice calls, a method for simultaneously using a payment terminal for card payment processing has been sought.

On the other hand, as a field similar to the merchant VoIP terminal, when a card payment using a CAT (Credit Authorization Terminal) or a POS (Point of Sales) terminal, a method of providing a coupon to a card payment customer through the CAT / POS is commercially available. In the conventional method of providing a coupon, a method of providing an unconditional response to a card payment or selectively providing it in proportion to a payment amount is used, which is merely a meaningless offer of a coupon which does not consider any characteristics of a customer. The example in which the provided coupon is used is extremely minimal.

In particular, the conventional coupon providing method is mainly used to print on the receipt, the card payment customers rarely bring the previous card payment receipt at the next card payment, the conventional coupon providing service has been neglected meaninglessly It is true.

An object of the present invention for solving the above problems is, the coupon issuer information corresponding to any one of the merchant or bansa, the merchant number, the coupon design information, the transaction history number (or transaction amount) for issuing the coupon of the coupon issuer Payment approval for the full payment approval request sent from the merchant's VoIP terminal equipped with a storage medium storing the size) information, discount (or free ticket) information for each transaction number (or transaction amount size) Check the card information and the merchant number included in the payment approved full text, the coupon issuer information corresponding to the merchant number and the transaction history number (or transaction amount) for issuing the coupon of the coupon issuer in association with the storage medium. Coupon issuer who checks the size) information and the discount (or free pass) information for each transaction number (or transaction amount size) When the coupon issuer and the coupon issuer information are confirmed to be affiliated stores, the card included in the preamble in association with the transaction history D / B which stores payment processing details including payment approved one or more card information, approval date information and merchant number Check the number of transactions (or amount of transaction amount) for a certain period of time including information and merchant number, and if the coupon issuer information is confirmed as bansa, the card information included in the preamble in connection with the transaction history D / B. Regular customer confirmation means for checking the number of transactions (or amount of transaction amount) for a certain period including a; and the issued transaction details for issuing the coupon of the coupon issuer and the confirmed number of transactions (or amount of transaction amount) Compare the number (or amount of transaction amount) to obtain discount (or free ticket) information corresponding to the number of transactions (or amount of transaction amount). It is to provide a coupon providing system through a regular customer confirmation including information confirming means to confirm.

Coupon providing method through a regular customer confirmation according to the present invention, outputting a coupon issuer selection interface for selecting a coupon issuer by selecting a coupon production button (or menu) provided in the merchant VoIP terminal, and selecting the coupon issuer When the coupon issuer is selected as the affiliated store through the interface, the coupon design information to be issued by the affiliated store, one or more transaction details (or transaction amount size) information for identifying a regular customer of the affiliated store, and the transaction history number (or transaction amount size) Output a coupon creation interface for selecting (or entering) one or more discount (or free tickets) information for each star, and if the coupon issuer is selected as a bansa, select (or enter) the coupon design information issued by bansa through the merchant. Outputting a coupon making interface, and if the coupon issuer is a merchant, Coupon issuer information corresponding to the existing merchant, merchant number, coupon design information selected (or input) through the coupon production interface, transaction history number (or transaction amount size) information, transaction history number (or transaction amount) Size discount) (or free coupon) information is transmitted to the bansa server, and if the coupon issuer is bansa, the coupon issuer information corresponding to the bansa, the merchant number, and selected (or input) through the coupon production interface Transmitting the coupon design information to the bansa server and if the coupon issuer is a merchant, the coupon issuer information, the merchant number, the coupon design information, the transaction history number (or transaction amount size) information, and the transaction history number (or Transaction amount size) and the discount (or free voucher) for each information in association with the storage medium, and if the coupon issuer Bansa, Issuer information, merchant number, coupon design information, transaction history number (or transaction amount size) information set for Bansa regular customer confirmation, and discount (or free pass) by transaction history number (or transaction amount size) And storing the information in a storage medium in association with the information.

In the coupon providing method through a regular customer confirmation according to the present invention, the coupon production interface further includes a user interface for selecting (or input) one or more coupon issuance period information, coupon issuance date setting information, coupon validity period setting information. Characterized in that made.

Coupon providing method through a regular customer confirmation according to the present invention, characterized in that further comprising the step of transmitting to the bansa server coupon issuance date setting information, coupon expiration date setting information.

On the other hand, the coupon providing method through a regular customer confirmation according to the present invention, coupon issuer information corresponding to any one of the merchant or bansa, merchant number, coupon design information, the transaction history number for coupon issuer of the coupon issuer (Or transaction amount size) information and discount (or free ticket) information for each transaction number (or transaction amount size) are stored in a storage medium, and the payment approval transmitted from the merchant VoIP terminal provided at the affiliate store. When the payment is approved for the request text, the card information and the merchant number included in the approved payment is confirmed, and a transaction for issuing coupons of the coupon issuer information and the coupon issuer corresponding to the merchant number in association with the storage medium. Check the details (or transaction amount size) information and the discount (or free pass) information for each transaction number (or transaction amount size). When the coupon issuer information is confirmed to be an affiliated store, the coupon is issued to the preamble in association with the transaction history D / B, which stores payment processing details including one or more payment information and approval date information and the merchant number. Check the transaction history number (or transaction amount size) for a certain period including the card information and the merchant number included, and if the coupon issuer information is confirmed as bansa, it is included in the preamble in association with the transaction history D / B. Confirming the number of transactions (or amount of transaction amount) for a certain period including the card information, and the number of confirmed transactions (or amount of transaction amount) and the number of issued transaction details for issuing the coupon of the coupon issuer (Or compare the transaction amount size) to check the discount (or free pass) information corresponding to the transaction number (or transaction amount size). It characterized by comprising the steps:

Coupon providing method through a regular customer confirmation according to the invention, characterized in that it further comprises the step of transmitting the confirmed discount (or free ticket) information to the merchant VoIP terminal.

Coupon providing method through a regular customer confirmation according to the present invention, generating the coupon data including the coupon design information and discount (or free coupon) information and transmitting the generated coupon data to the merchant VoIP terminal Characterized in that further comprises a step.

Coupon providing method through a regular customer confirmation according to the present invention, generating the coupon data including the coupon design information and discount (or free coupon) information and the step of transmitting the generated coupon data to the customer wireless terminal It is characterized in that it further comprises.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the coupon providing method through the above-mentioned regular customer confirmation.

On the other hand, the coupon providing system through a regular customer confirmation according to the present invention, the coupon issuer information corresponding to any one of the merchant or bansa, merchant number, coupon design information, the transaction history number for the coupon issuer coupon issuance (Or transaction amount size) information, a storage medium for storing discount (or free pass) information for each transaction number (or transaction amount size), and a payment approval request message sent from a merchant VoIP terminal provided at the affiliate store. When the payment is approved for, the card information and the merchant number included in the approved payment is confirmed, and the coupon issuer information corresponding to the merchant number and the transaction history for issuing the coupon of the coupon issuer in association with the storage medium. (Or transaction amount size) information and discount (or free pass) information for each transaction number (or transaction amount size). When the coupon issuer identification means and the coupon issuer information are confirmed to be affiliated stores, the coupon is stored in association with the transaction history D / B which stores payment processing details including at least one approved card information, approval date information, and merchant number. Check the transaction history number (or transaction amount size) for a certain period including the card information and the merchant number included, and if the coupon issuer information is confirmed as bansa, it is included in the preamble in association with the transaction history D / B. Regular customer checking means for checking the number of transactions (or amount of transaction amount) for a certain period including the card information, and the coupon for issuing the coupon of the coupon issuer and the confirmed number of transactions (or amount of transaction amount) Compare the number of transactions issued (or the amount of transactions) to compare the number of transactions (or the amount of transactions) with the discount (or no) Medical service right) information comprising means for confirming information.

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 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.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more servers (or terminals) different depending on the role and function of each functional component and the corresponding server (or terminal) operator (or operator), thereby limiting the present invention Not.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing the functional configuration of the VoIP terminal 100 for the merchant having a coupon production and issuance function for providing a coupon through a regular customer confirmation according to an embodiment of the present invention.

In more detail, Figure 1 is a merchant terminal VoIP terminal 100 for processing a card payment generated in the merchant having a card reader in the VoIP terminal 100 for providing voice calls and data communication services through a wired (or wireless) communication network ), A coupon issuer is selected by selecting a coupon making button (or menu) provided in the VoIP terminal 100 for the affiliate store, and when the coupon issuer is selected as an affiliate store, coupon design information to be issued by the affiliate store, and Select (or enter) one or more transaction history number (or transaction amount size) information for the merchant's coupon issuance and discount (or free ticket) information for each transaction history number (or transaction amount size) and issue it at the merchant. Produce a coupon to, and if the coupon issuer is selected as a bansa, select the coupon design information issued by the bansa through the merchant (or enter A merchant having a function of providing a coupon issued by one or more coupon issuers of the affiliated store or bansa in the card payment process through the affiliated store VoIP terminal 100 after the coupon is issued by the bansa) For the implementation method of the VoIP terminal 100, if one of ordinary skill in the art to which the present invention belongs, the production and the coupon for providing a coupon through the customer reference with reference to and / or modifying the reference Figure 1 and Although it is possible to infer the function configuration of the VoIP terminal 100 for various types of merchants having the issuance function, the present invention includes all the implementation methods inferred above, and the technical description is given only by the implementation method shown in FIG. Features are not limited.

For example, in FIG. 1, the merchant VoIP for the merchant is performed by the bansa server 190 that performs a payment approval procedure for the card payment and stores payment processing details including payment approved card information, payment amount information, and approval date and time information. The communication is connected to the terminal 100 and illustrated to perform a server side function for producing and issuing a coupon for providing a coupon through the regular customer confirmation. However, the present invention is not limited thereto, and the regular customer confirmation is performed. The server-side function for coupon creation and issuance for the coupon provided through the bar is apparent that it can be provided through a separate server associated with the bansa server 190.

Referring to FIG. 1, the merchant VoIP terminal 100 having a coupon production and issuance function for providing a coupon by checking the regular customer is basically a control unit 105, a memory unit 130, and a card reader unit ( 110, a key input unit 120, a screen output unit 115, a sound processor 125, a security application module 140, and a power supply unit 143 for supplying power to the merchant VoIP terminal 100. The VoIP gateway 185 (or gatekeeper 195) is connected to the VoIP communication channel through a communication network connected to the merchant VoIP terminal 100, or the VoIP terminal 100 connected to the merchant VoIP terminal 100 is connected. And a communication processing unit 135 for connecting the bansa server 190 and a data communication channel for card payment processing through a communication network, and at least one terminal function unit (not shown) according to the intention of those skilled in the art. Done including more It is possible to lose.

The controller 105 controls the overall operation of the merchant VoIP terminal 100 in terms of function configuration, manages the flow of information or data between each component, and produces and issues a coupon for providing a coupon through the regular customer confirmation. Characterized in that interoperating and controlling at least one or more components provided in the VoIP terminal 100 for the merchant for a function, at least one hardware (Central Processing Unit) / MPU (Micro Processing Unit) The processor and the execution memory (for example, register or RAM (Random Access Memory)) and a bus (BUS) for inputting and outputting predetermined data, characterized in that the software specific to the VoIP terminal 100 for merchants A small memory device which is loaded from a predetermined recording medium into the execution memory to perform a function and processed by the processor. A predetermined program recorded on a recording medium provided in the VoIP terminal 100 for the merchant for a function of producing and issuing a coupon for providing a coupon through the regular customer identification (Routine) or program data. Program or a functional component that can be processed by software among the functional configuration provided in the affiliated VoIP terminal 100 is shown in the control unit 105).

According to an embodiment of the present invention, the controller 105 may include components (for example, the memory unit 130, the card reader unit 110, the key input unit 120) provided in the VoIP terminal 100 for the affiliated store. The screen output unit 115 and the security application module 140 and the communication processing unit 135, or a terminal function unit (not shown) according to the intention of those skilled in the art to interwork with each other defined in the merchant VoIP terminal 100 Controlling and managing providing the card payment service, as well as interworking control of the components provided in the VoIP terminal 100 for the merchant for the production and issuance of coupons for providing coupons through regular customer confirmation, or It is preferable to execute a program recorded in the recording medium provided in the VoIP terminal 100 for the merchant for producing and issuing a coupon for providing the coupon through the customer confirmation.

The memory unit 130 inputs and outputs when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the merchant VoIP terminal 100 is performed. General purpose of non-volatile memory for storing information or data), and at least one storage means including an electrically erasable and programmable read only memory (EEPROM) or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine required for the control unit 105 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is characterized by.

According to the exemplary embodiment of the present invention, the memory unit 130 stores an affiliate store number for the card payment service defined in the affiliated store VoIP terminal 100, and the affiliate store number is the merchant VoIP terminal ( Characterized in that it is included in the full payment approval request generated in 100).

According to the exemplary embodiment of the present invention, the memory unit 130 preferably stores one or more coupon design information necessary for producing a coupon targeting the regular customer.

Customers using the merchant VoIP terminal 100, the MS (Magnetic Stripe) card of the ISO / IEC 7810 standard, or a contact IC card (or wireless IC chip) of the ISO / IEC 7816 standard, or ISO / IEC 14443 Has (or owns) a card including at least one contactless IC card (or wireless IC chip) of a standard, and the card reader unit 110 reads at least one or more information or data included in the card. It is characterized by providing an interface.

According to the method of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the merchant VoIP terminal 100, or the contact IC card and the merchant VoIP terminal ( 100) a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the merchant VoIP terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to the VoIP terminal 100 for the merchant.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the merchant VoIP terminal 100.

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, VoIP for predetermined information or data from the IC chip through the half-duplex transaction using the APDU Characterized in that the interface to the terminal 100.

According to an embodiment of the present invention, the card reader unit 110 may provide predetermined card information (eg, a card) from at least one or more card reader units 110 for a card payment service defined in the merchant VoIP terminal 100. It is preferable to read the credit card, check card, debit card, cash card, the card information corresponding to the payment means including at least one or more).

According to the method of the present invention, the card information preferably comprises at least one or more card number and expiration date information and card issuer information corresponding to the customer payment means, the card number is a credit card number, check card It is preferable to include at least one or more numbers, prepaid card number.

Alternatively, the card information comprises at least one account number (or card number) and financial company information corresponding to the customer financial means, wherein the account number includes at least one real account number, virtual account number Preferably, the card number includes at least one of a cash card number, a debit card number, and a check card number.

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Information (or a signal) inputted from the terminal, and is determined from a predetermined key button provided in the key input device in a specific input mode or operation mode of the merchant VoIP terminal 100 controlled by the controller 105. When the information (or signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The controller 105 ) Obtains predetermined key data corresponding to the key event in the current input mode or operation mode of the merchant VoIP terminal 100, or is defined to match the key event. Characterized by obtaining a command to execute the function of. The key input unit 120 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the VoIP terminal 100 for the affiliated store.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an exemplary embodiment of the present invention, the key input unit 120 may include key data corresponding to the card payment service from at least one or more key input devices for the card payment service defined in the merchant VoIP terminal 100. At least one or more key data required to be input from the key input device for a function of producing and issuing a coupon for providing a coupon through a regular customer confirmation. It is preferable to perform the function of the key input means for receiving the input.

According to the embodiment of the present invention, the key input device provided in the key input unit 120 preferably includes a coupon making button for producing a coupon for providing a coupon through a regular customer confirmation.

The screen output unit 115 by the control unit 105 in the process of performing the coupon production and issuance function for the coupon payment through the card payment processing function and the regular customer confirmation the LCD (100) And at least one information or data that is predefined or defined in real time to be output to a predetermined display device including a Liquid Crystal Display) through a predefined interface screen, wherein the screen output unit 115 And the screen output device interoperate with each other to perform the function of the screen output means provided in the VoIP terminal 100 for the merchant.

Predefined information or data to be output to the screen output device from the merchant VoIP terminal 100, the key data input through the key input unit 120, or is provided in the merchant VoIP terminal 100 Information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 135, or information corresponding to a predetermined operation result performed by the merchant VoIP terminal 100 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 115 outputs a card payment processing screen according to each card payment step to the screen output device for the card payment service defined in the merchant VoIP terminal 100. It is preferable to perform the function of the screen output means to make, and also to produce a coupon for providing coupons through the regular customer confirmation coupon production through the one or more regular customer confirmation output to the screen output device for the issuing function And screen output means for outputting the issue function processing screen.

According to the embodiment of the present invention, the screen output unit 115 preferably outputs a coupon production menu for coupon production for providing coupons through regular customer confirmation.

The sound processor 125 is a function component that processes input and output of sound in the voice call mode of the merchant VoIP terminal 100, and decodes at least one or more coded sound data (or voice data). A vocoder and codec that outputs to a speaker provided in the merchant VoIP terminal 100 or encodes and encodes a sound signal input through a microphone provided in the merchant VoIP terminal 100. It is characterized by consisting of).

The communication processing unit 135 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the merchant VoIP terminal 100 and the VoIP gateway 185 (or the gatekeeper 195). Or, it is characterized in that to connect the data communication channel to the bansa server 190 on the communication network.

The secure application module (SAM) 140 is a confidentiality or authentication or integrity or denial required for the merchant VoIP terminal 100 to perform the card payment. As a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the merchant VoIP terminal 100 without using an authentication server (not shown) on a payment network. The VoIP terminal 100 encrypts or decrypts a predetermined message (information or data) that is processed in the course of performing a predetermined security request function (for example, an electronic payment or a card payment function), and forges (or modulates) the message. Adds an authenticator that prevents the information from being stored in the server or stores important information in the process of performing the security request function. The features.

In general, the security application module 140 is preferably composed of a predetermined security application module 140 inserter and the security application module 140 chip, the security application module 140 chip has at least 8 bits CPU and memory built-in An Application Specific Integrated Circuit (ASIC) chip (e.g., a PLCC 44-pin chip) or an IC chip (e.g., an IC card in the form of a subscriber identity module (SIM)) with at least 2 MIPS (Million Instructions Per Second) performance It is preferable to comprise a.

In addition, the security application module 140 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code required for the merchant VoIP terminal 100 to perform a predetermined security request function) Value, etc.) or key (e.g., one master key and at least one application key) or protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration Protocol, authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / initialization / reprocessing / Cancel command).

Referring to Figure 1, the merchant VoIP terminal 100, the card payment hot key is input through the key input unit 120 (or card information is read through the card reader unit 110), or the coupon production button If (or menu) is selected, the merchant VoIP terminal 100 checks whether a VoIP-based communication channel is connected, and when checking the VoIP-based communication channel, the VoIP-based communication channel is the VoIP terminal 100 for the merchant. And a communication channel switching unit 145 for switching (or connecting) to a data communication channel between the bansa server 190.

In the merchant VoIP terminal 100, a card payment hotkey is input through the key input unit 120 provided in the merchant VoIP terminal 100 (or card information is read through the card reader unit 110), or When the coupon production button (or menu) is selected, the communication channel switching unit 145 reads and confirms the VoIP based communication channel to which the merchant VoIP terminal 100 is currently connected.

As a result of confirming the VoIP-based communication channel, when the affiliated VoIP terminal 100 is not connected to the bansa server 190 and the data communication channel, the communication channel switcher 145 is connected to the affiliated VoIP terminal 100. The currently connected VoIP-based communication channel is converted into a data communication channel between the merchant VoIP terminal 100 and the bansa server 190, and the data communication channel for card payment processing with the bansa server 190 through the communication network. It is characterized by connecting.

According to an exemplary embodiment of the present invention, the merchant VoIP terminal 100 uses a plurality of communication channels (for example, cable communication between the VoIP terminal 100 and an external device, and short-range wireless communication using a direct communication method between the VoIP terminal 100 and the external device). When supporting a communication, a VoIP terminal 100 through a wireless repeater and an external device packet short-range wireless communication, wide area communication using a communication network, etc.), the communication channel switching unit 145 is the merchant VoIP terminal ( It is preferable to add a data communication channel between the merchant VoIP terminal 100 and the bansa server 190 while maintaining the current communication channel of 100).

Referring to FIG. 1, the merchant VoIP terminal 100 displays the screen by selecting a coupon production button (or menu) through the key input unit 120 to produce a coupon for providing a coupon through a regular customer confirmation. It characterized in that it comprises an interface output unit 160 for outputting a coupon issuer selection interface for selecting a coupon issuer corresponding to any one of the merchant and bansa through the output unit 115.

By selecting a coupon production button (or menu) through the key input unit 120, the interface output unit 160 through the screen output unit 115, the card through the merchant VoIP terminal 100 of the merchant and bansa In the payment process, a coupon issuer selection interface for selecting a coupon issuer to issue a coupon to a regular customer may be output.

According to another exemplary embodiment of the present invention, the coupon issuer may further include an affiliate of the affiliated store (or bansa) in addition to the affiliated store and the bansa, and the affiliate of the affiliated store may use the affiliated store as a coupon issuer. Production is possible, and the bansa affiliated company can produce a coupon according to the manner in which the bansa as a coupon issuer.

Referring to Figure 1, the merchant VoIP terminal 100, if the coupon issuer is selected as a merchant through the coupon issuer selection interface for the coupon production through the regular customer confirmation, the merchant will issue Select (or enter) one or more coupon design information, one or more transaction details (or transaction amount size) information for coupon issuance of the merchant, and discount (or free voucher) information for each transaction history number (or transaction amount size) An interface output unit 160 for outputting a coupon making interface for outputting a coupon making interface for selecting (or inputting) coupon design information issued by bansa through the affiliated store when the coupon issuer is selected as a bansa; If the coupon issuer is a merchant, a coupon design to be issued at the merchant through the coupon production interface Select (or enter) information, one or more transaction details (or transaction amount size) information for issuing the coupon of the merchant, and one or more discount (or free pass) information for each transaction history number (or transaction amount size); Extracting the affiliated store number from the memory unit 130, and when the coupon issuer is Bansa, selects (or inputs) coupon design information to be issued by the Bansa through the coupon production interface, and the memory unit 130. And an information processing unit 163 for extracting the affiliate store number from the coupon design receiving unit. The coupon design receiving unit 165 receiving the coupon design information from a coupon design server (not shown) on a communication network according to the intention of a person skilled in the art. Characterized in that further comprises.

When a coupon issuer is selected as an affiliate through the coupon issuer selection interface, the interface output unit 160 may include coupon design information to be issued at an affiliate store and one or more transaction details for identifying regular customers to issue coupons at the affiliate store. And outputting a coupon production interface for selecting (or inputting) at least one transaction amount size information and at least one discount (or free pass) information for one or more transaction history number (or transaction amount size) information.

According to an embodiment of the present invention, the coupon production interface further includes a user interface for selecting (or inputting) one or more coupon issuing period information, coupon issuing date setting information, and coupon expiration date setting information for the coupon to be issued at the merchant. It is preferable to make it.

Here, the coupon issuing period information, the coupon issuing period information for issuing coupons (eg, discount coupons, free coupons, etc.) that are affiliated with the card payment through the merchant VoIP terminal 100 to the regular customers of the merchants (E.g., coupon issuance event period information) is preferably included.

The coupon issuing date setting information, when issuing a coupon to a regular customer in connection with the card payment through the merchant VoIP terminal 100, information for setting the issue date of the coupon is issued, the coupon issuing date is after the coupon production date It is preferable to include any one of the date and time when the coupon is issued to the regular customer in connection with the specified date, or the card payment.

The coupon expiration date setting information may include expiration date information for using the coupon after a coupon issuance date set by the coupon issuance date setting information.

When the coupon production interface outputting the coupon issuer as an affiliated store is outputted, the information processing unit 163 may provide coupon design information to be issued at the affiliated store through the coupon production interface, and one or more transaction details for issuing coupons of the affiliated store ( Or select (or input) one or more discount (or free ticket) information for each transaction number (or transaction amount size) information and extract the affiliate store number from the memory unit 130. It is done.

If the coupon production interface further includes a user interface for selecting (or entering) one or more coupon issuance period information, coupon issuance date setting information, and coupon expiration date setting information, the information processor 163 may select the coupon production interface. It is preferable to select (or input) one or more coupon issuance period information, coupon issuance date setting information, coupon expiration date setting information through.

According to an embodiment of the present invention, the coupon design information selected (or input) through the coupon making interface is preferably extracted and selected from the memory unit 130, and according to the intention of those skilled in the art, the memory unit 130. In addition to the coupon design stored in the communication channel switching unit 145 converts the VoIP communication channel into a data communication channel with a coupon design server (not shown) on a communication network, and the coupon design receiving unit 165 in response to the coupon designation. It is desirable to receive one or more coupon design information from a design server (not shown). Here, the coupon design server (not shown) is a server for storing and managing a plurality of types of coupon design information, or the coupon design information produced by the merchant owner (or commissioned by the merchant owner) to the VoIP terminal for merchant 100 It is preferable to include at least one relay server to provide.

When the coupon issuer is selected as a bansa through the coupon issuer selection interface, the interface output unit 160 outputs a coupon making interface for selecting (or inputting) coupon design information issued by bansa through the affiliate store. do.

Here, the transaction history number (or transaction amount size) information and the discount (or free ticket) information for each transaction history number (or transaction amount size) information necessary for the Bansa regular customer confirmation is automatically selected by the bansa, or It is preferable to include a value preset by the bansa and output to the coupon production interface. In particular, the transaction history number (or transaction amount size) information and the discount (or free voucher) information for each transaction history number (or transaction amount size) information necessary for the Bansa regular customer confirmation includes a value previously set by the bansa. If the coupon production interface is output to the coupon production interface, the coupon production interface within the range specified by the bansa transaction number (or transaction amount size) information, and discount (or free ticket) for each transaction number (or transaction amount size) It is preferable to further comprise a user interface that can adjust the information.

According to an embodiment of the present invention, the coupon production interface includes coupon issuance period information, coupon issuance date setting information, coupon expiration date setting information for the coupon to be issued through the merchant (or in conjunction with the bansa merchant) in the bansa one It is preferable to further comprise a user interface for selecting (or input) the above.

Here, the coupon issuing period information, the coupon issuance period information (for example, coupons, such as discount coupons, free coupons, etc.) period information for issuing to regular customers in connection with the card payment through the merchant VoIP terminal 100 (e.g. , Coupon issuance event period information).

The coupon issuing date setting information is information for setting the issuing date of the issued coupon when the coupon is issued to a regular customer of Bansa in connection with the card payment through the merchant VoIP terminal 100, the coupon issuing date is the coupon production It is preferable to include any one of a specified date and time after the date, or a date and time when the coupon is issued to the regular customer in connection with the card payment.

The coupon expiration date setting information may include expiration date information for using the coupon after a coupon issuance date set by the coupon issuance date setting information.

When the coupon production interface that outputs the coupon issuer as bansa is output, the information processing unit 163 selects (or inputs) coupon design information to be issued by the bansa through the coupon production interface, and from the memory unit 130. Characterized in that extracting the merchant number.

If the coupon production interface further includes a user interface for selecting (or entering) one or more coupon issuance period information, coupon issuance date setting information, and coupon expiration date setting information, the information processor 163 may select the coupon production interface. It is preferable to select (or input) one or more coupon issuance period information, coupon issuance date setting information, coupon expiration date setting information through.

According to an embodiment of the present invention, the coupon design information selected (or input) through the coupon making interface is preferably extracted and selected from the memory unit 130, and according to the intention of those skilled in the art, the memory unit 130. In addition to the coupon design stored in the communication channel switching unit 145 converts the VoIP communication channel into a data communication channel with a coupon design server (not shown) on a communication network, and the coupon design receiving unit 165 in response to the coupon designation. It is desirable to receive one or more coupon design information from a design server (not shown). Here, the coupon design server (not shown) preferably comprises at least one server for storing and managing the ban use coupon design information for a plurality of industries.

Referring to FIG. 1, the merchant VoIP terminal 100 may include a coupon issuer information corresponding to the affiliate store and a merchant number if the coupon issuer is an affiliate store for producing a coupon for providing a coupon through a regular customer confirmation. Coupon design information selected (or input) through the coupon production interface, one or more transaction history number (or transaction amount size) information for issuing the coupon, and a discount for each transaction history number (or transaction amount size) (or Free coupon) information is transmitted to the bansa server 190, and if the coupon issuer is bansa, the coupon issuer information corresponding to the bansa, the merchant number, and the coupon design information selected (or input) through the coupon production interface. Characterized in that it further comprises an information transmission unit 167 for transmitting to the bansa server 190.

When the coupon issuer is an affiliate store, the information transmitter 167 generates coupon issuer information corresponding to the affiliate store, and selects (or generates the coupon issuer information, the affiliate store number, and the coupon creation interface). The communication channel switching unit for inputted coupon design information, one or more transaction history number (or transaction amount size) information for issuing the coupon, and discount (or free ticket) information for each transaction history number (or transaction amount size); Characterized in that the transmission to the bansa server 190 via the data communication channel switched by the (145).

If one or more coupon issuance period information, coupon issuance date setting information, and coupon expiration date setting information for the coupon issued by the affiliated store are selected (or input) through the information processing unit 163, the information transmitting unit 167 ) Is preferably transmitted to the bansa server 190 including one or more coupon issuance period information, coupon issuance date setting information, coupon expiration date setting information.

Subsequently, the bansa server 190 discounts (or frees) the coupon issuer information, the affiliate store number, the coupon design information, the transaction history number (or transaction amount size) information, and the transaction history number (or transaction amount size). Usage rights) by storing the information in a storage medium by linking the information to correspond to the discount (or free usage rights) information according to the number of transactions (or transaction amount size) for a certain period of time when the card holder of the regular customer pays the card. The coupon is issued to the customer.

When the coupon issuer is Bansa, the information transmitter 167 generates coupon issuer information corresponding to the affiliate store, and generates the coupon issuer information and the affiliate store number by the communication channel switcher 145. It is characterized in that for transmitting to the bansa server 190 via the switched data communication channel.

According to the method of the present invention, the transaction history number (or transaction amount size) information and the discount (or free ticket) information for each transaction history number (or transaction amount size) information required for the Bansa regular customer confirmation is When the information is output to the coupon production interface including a preset value, the information transmitter 167 may provide the required number of transaction details (or transaction amount size) information and a discount for each transaction number (or transaction amount size). Or it is preferable to further include the free pass information to transmit to the bansa server 190.

If one or more coupon issuance period information, coupon issuance date setting information, and coupon expiration date setting information for the coupon issued by the affiliated store are selected (or input) through the information processing unit 163, the information transmitting unit 167 ) Is preferably transmitted to the bansa server 190 including one or more coupon issuance period information, coupon issuance date setting information, coupon expiration date setting information.

Thereafter, the bansa server 190 may include the coupon issuer information, the affiliate store number, the coupon design information, the transaction history number (or transaction amount size) information set by the bansa, and the transaction history number (or transaction amount size). By storing the discount (or free voucher) information in the storage medium by linking the information, the discount (or free) according to the number of transactions (or transaction amount size) for a certain period of time for the regular customer when the card payment of the Bansa regular customer A coupon corresponding to the usage right) information is issued to the customer.

Referring to FIG. 1, the merchant VoIP terminal 100 inputs and processes card information read from the customer card in association with the card reader 110 for card payment processing, and the key input unit 120. And an information input unit 147 for inputting and processing payment amount information input through the preamble, and a full text generation unit 150 for generating a full payment approval request message including the card information, payment amount information, and merchant number. It features.

The information input unit 147 inputs and processes the card information read from the customer card in association with the card reader 110 for the card payment service defined in the merchant VoIP terminal 100, and the key input unit 120. Characterized in that the input the payment amount information input through), the full text generation unit 150 payment approval including the input card information and payment amount information and the merchant number stored in the memory unit 130 Characterized in that to generate the full request.

According to another embodiment of the present invention, the information input unit 147 is the payment from an external device (eg, barcode reader, RFID reader, etc.) connected to the merchant VoIP terminal 100 via cable communication or short-range wireless communication. It is possible to receive and input the amount of money information, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when generating the payment approval request message, the merchant VoIP terminal 100 is provided with the screen output unit 115 to provide a coupon through a regular customer confirmation for the card payment. An interface output unit 160 for outputting a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to which coupon data is to be transmitted in association with the coupon; and the wireless terminal information input through the wireless terminal information input interface. And an information confirmation unit 170 for confirming valid customer wireless terminal information of the regular customer to which data is to be transmitted. The professional generation unit 150 is valid for the regular customer to which the confirmed coupon data is to be transmitted. Characterized in that the customer wireless terminal information included in the full payment approval request.

When generating the payment approval request full text through the full text generation unit 150, the interface output unit 160, in conjunction with the screen output unit 115, in order to provide a coupon through the regular customer confirmation for the card payment And outputting a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted. When the customer wireless terminal information is input through the wireless terminal information input interface, the information checking unit In operation 170, the wireless terminal information input through the wireless terminal information input interface may be confirmed as valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted.

If the electronic customer's electronic coupon for the card payment is transmitted from the Bansa server 190 on the communication network, the professional generation unit 150 establishes a customer wireless terminal information item in the payment approval request text, the customer wireless The terminal information item includes the valid customer wireless terminal information of a regular customer to which the confirmed coupon data is to be transmitted.

According to another exemplary embodiment of the present invention, in order to issue a coupon of a specific coupon provider among a plurality of coupon issuers, the full text generation unit 150 may further include specific coupon issuer information in the payment approval request text. The present invention is not limited by this.

Referring to FIG. 1, when the payment approval request message is generated through the full text generation unit 150, the affiliated VoIP terminal 100 generates the data through the data communication channel in association with the communication processing unit 135. The professional transmission unit 153 for transmitting the payment approval request text generated by the professional generation unit 150 to the bansa server 190 on the communication network, and corresponding to the payment approval request message from the bansa server 190 on the communication network. Characterized in that it comprises a specialized receiving unit 155 for receiving the full payment approval result.

When the payment approval request message is generated through the message generation unit 150, the message transmission unit 153 is switched (or connected) by the communication channel switching unit 145 in association with the communication processing unit 135. Characterized in that the transmission of the payment approval request generated by the professional generation unit 150 to the bansa server 190 on the communication network through the established data communication channel.

If the payment approval request message includes the valid customer wireless terminal information of the regular customer to which the coupon data is to be transmitted, the bansa server 190 when the card payment approval for the payment approval request message, the card payment customer After confirming that the customer is a regular customer of the coupon issuer, when confirming the regular customer, generating coupon data of the coupon issuer is characterized in that the electronic coupon is issued to a valid customer wireless terminal characterized in that it is transmitted.

The full text receiving unit 155 may receive a full text of a payment approval result including the payment processing details corresponding to the full text of the payment approval request from the bansa server 190 on the communication network in connection with the communication processing unit 135. .

Referring to FIG. 1 according to an exemplary embodiment of the present invention, when the merchant VoIP terminal 100 does not include valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted in the payment approval request message, It is confirmed by comparing the transaction history number (or transaction amount size) from the bansa server 190 for the regular customer for the coupon issuer transaction history number (or transaction amount size) for the coupon issuer A valid customer of a regular customer to whom the coupon data is to be transmitted in connection with the information receiving unit 173 and the screen output unit 115 for receiving discount (or free use right) information corresponding to the transaction history number (or transaction amount size). An interface output unit 160 for outputting a wireless terminal information input interface for inputting wireless terminal information, and an input through the wireless terminal information input interface. Information confirmation unit 170 for confirming the wireless terminal information is valid customer wireless terminal information of the regular customer to which the coupon data is to be transmitted, and a coupon generation unit for generating coupon data corresponding to the discount (or free ticket) information ( 175) and a coupon transmitting unit 177 for transmitting the generated coupon data to a valid customer wireless terminal of a regular customer through a VoIP network.

If the VoIP terminal 100 is connected to a coupon issuing device (not shown) (eg, a printing device) through cable communication and / or short-range communication, the VoIP terminal 100 for the affiliated store may include the information receiving unit 173. Further comprising a coupon providing unit 180 for providing the discount (or free coupon) information received through the, or coupon data generated by the coupon generating unit 175 to the coupon issuing device (not shown) Thereafter, the coupon issuing apparatus is characterized in that issuing and processing a coupon corresponding to the provided discount (or free coupon) information (or coupon data).

When the payment approval request message does not include valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted, the information receiving unit 173 deals with the regular customer for the regular customer from the bansa server 190. A discount (or free) corresponding to the number of transactions (or amount of transaction amount) confirmed by comparing the number of transactions (or amount of transaction amount) with the number of transactions (or amount of transaction amount) of coupon issuance for issuing the coupon of the coupon issuer. And usage rights) information.

According to an exemplary embodiment of the present invention, the discount (or free ticket) information is received as included in the full payment approval result, and in this case, the information receiving unit 173 receives the discount (or free pass) from the full payment approval result. ) It is desirable to extract and process the information.

According to another exemplary embodiment of the present invention, the discount (or free ticket) information is received from the bansa server 190 before and after the payment approval result of the full text, in which case the information receiving unit 173 is the bansa It is preferable to receive and process the discount (or free usage right) information from the server 190.

When the discount (or free ticket) information is received through the information receiving unit 173, the interface output unit 160 is connected to the screen output unit 115 and the valid customer wireless terminal of the regular customer to which the coupon data is to be transmitted. And outputting a wireless terminal information input interface for inputting information, wherein the information checking unit 170 is a valid customer of a regular customer to which the coupon data is to be transmitted to the wireless terminal information input through the wireless terminal information input interface. It is characterized by checking with the wireless terminal information.

When the discount (or free ticket) information is received through the information receiving unit 173, the coupon generating unit 175 generates coupon data corresponding to the received discount (or free ticket) information. The coupon transmission unit 177 transmits the generated coupon data to a valid customer wireless terminal of a regular customer through a VoIP network.

According to an embodiment of the present invention, the coupon transmitting unit 177 transmits the coupon data to the customer wireless terminal according to a message exchange protocol defined between the VoIP network and a wireless communication network to which the customer wireless terminal is connected. desirable.

Referring to FIG. 1 according to another exemplary embodiment of the present invention, when the merchant VoIP terminal 100 does not include valid customer wireless terminal information of a regular customer to which the coupon data is transmitted in the payment approval request message, By comparing the transaction history number (or transaction amount size) for a certain period from the bansa server 190 for the regular customer with the coupon transaction transaction number (or transaction amount size) for issuing the coupon of the coupon issuer, Coupon receiver for receiving coupon data generated based on the discount (or free ticket) information corresponding to the confirmed transaction history number (or transaction amount size), and the coupon data is transmitted in connection with the screen output unit 115 An interface output unit 160 for outputting a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to be used, and the wireless terminal An information checking unit 170 for confirming the wireless terminal information input through the information input interface as valid customer wireless terminal information of the regular customer to which the coupon data is to be transmitted, and the received coupon data is valid for the regular customer through the VoIP network. It is characterized by comprising a coupon transmission unit 177 for transmitting to the customer wireless terminal.

If the VoIP terminal 100 is connected to a coupon issuing device (not shown) (eg, a printing device) through cable communication and / or short-range communication, the VoIP terminal 100 for the affiliated store may include the information receiving unit 173. Further comprising a coupon providing unit 180 for providing the discount (or free coupon) information received through the, or coupon data generated by the coupon generating unit 175 to the coupon issuing device (not shown) Afterwards, the coupon issuing device is characterized in that issuing and processing a coupon corresponding to the provided discount (or free coupon) information (or coupon data).

When the payment approval request message does not include valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted, the information receiving unit 173 deals with the regular customer for the regular customer from the bansa server 190. A discount (or free) corresponding to the number of transactions (or amount of transaction amount) confirmed by comparing the number of transactions (or amount of transaction amount) with the number of transactions (or amount of transaction amount) of coupon issuance for issuing the coupon of the coupon issuer. And coupon data generated based on the usage right) information.

According to an exemplary embodiment of the present invention, the coupon data is received as being included in the full payment approval result, and in this case, the information receiving unit 173 preferably extracts and receives the coupon data from the full payment approval result. Do.

According to another exemplary embodiment of the present invention, the coupon data is received from the bansa server 190 before and after receiving the payment approval result full text, in which case the information receiving unit 173 from the bansa server 190 It is preferable to receive and process the coupon data.

When the coupon data is received through the information receiving unit 173, the interface output unit 160 wirelessly inputs valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted in connection with the screen output unit 115. And outputting a terminal information input interface, wherein the information checking unit 170 confirms the wireless terminal information input through the wireless terminal information input interface as valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted. Characterized in that.

When the coupon data is received through the information receiving unit 173, the coupon transmitting unit 177 may transmit the received coupon data to a valid customer wireless terminal of a regular customer through a VoIP network.

According to an embodiment of the present invention, the coupon transmitting unit 177 transmits the coupon data to the customer wireless terminal according to a message exchange protocol defined between the VoIP network and a wireless communication network to which the customer wireless terminal is connected. desirable.

Referring to FIG. 1 according to another exemplary embodiment of the present invention, the merchant VoIP terminal 100 does not include valid customer wireless terminal information of a regular customer to which the coupon data is transmitted in the payment approval request message. In this case, the interface output unit 160 outputs a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to which coupon data is to be transmitted in connection with the screen output unit 115, and the wireless terminal information input interface. An information checking unit 170 for confirming the wireless terminal information input through the valid customer wireless terminal information of the regular customer to which the coupon data is to be transmitted, and the confirmed customer wireless terminal information through the data communication channel And an information transmitter 167 for transmitting to the server 190, and correspondingly to the bansa server 190. After the card payment customers to verify that the regular customer of the coupon issuer, characterized in that it sent to the electronic coupon, a loyal valid client of the wireless terminal to be issued to generate the coupon data of the regular customer to check when the coupon issuer.

Although the payment approval request request does not include valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted, the discount (or free ticket) information or coupon data is not received from the bansa server 190. When the payment approval result includes the regular customer confirmation information for confirming whether the customer is a regular customer, the interface output unit 160 is a regular customer to which coupon data is transmitted in connection with the screen output unit 115. And outputting a wireless terminal information input interface for inputting valid customer wireless terminal information of the information terminal, wherein the information checking unit 170 transmits the coupon data to the wireless terminal information input through the wireless terminal information input interface. Characterized by valid customer wireless terminal information of the regular customer.

Thereafter, the information transmitter 167 transmits the checked customer wireless terminal information to the bansa server 190 through the data communication channel, and the bansa server 190 corresponds to the card. After confirming that the payment customer is a regular customer of the coupon issuer, upon confirmation of the regular customer, generating coupon data of the coupon issuer is characterized in that the electronic coupon is issued to a valid customer wireless terminal characterized in that it is transmitted.

2 is a view showing the configuration of the card payment system with a coupon providing function through the regular customer confirmation according to the embodiment of the present invention.

In more detail, Figure 2 is processing the payment approval request at the bansa server 200 when the card payment processing in the merchant VoIP terminal (297) provided in each merchant using a customer card, the payment approval request full text On the basis of the card information or merchant number included in the card payment customer is a regular customer of the merchant or a bansa regular customer mainly using the merchant contracted with the bansa check whether the customer is a regular customer Compare the transaction history number (or transaction amount size) with the coupon issuer transaction history number (or transaction amount size) for the coupon issuer during the period, and then compare the discount (or transaction amount size) with the transaction ( Or check free coupon information, and repeat the coupon corresponding to the confirmed discount (or free coupon) information. As a card payment system issued to a customer, if the person of ordinary skill in the art to which the present invention belongs, the card payment with a coupon providing function through the regular customer reference by referring to and / or modifying the Figure 2 Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to Figure 2, the card payment system with a coupon providing function through the regular customer confirmation is provided in the merchant, the merchant VoIP terminal (297) for processing the card payment through the customer card, and one or more customers Issuing the customer card to the card company server for processing the payment approval through the customer card 270, and a communication network for connecting the merchant VoIP terminal 297 and the card company server (270) (Value Added Network (VAN) Is provided in the processing of the payment approval request requested from the merchant VoIP terminal 297, based on the card information or merchant number included in the full payment approval request, the customer contracts with the regular customer of the merchant or the bansa Check whether the customer is a Bansa regular customer mainly using the merchant, and the number of transactions for a certain period of time for the customer according to the regular customer (and Transaction amount size) and the coupon issuer transaction number (or transaction amount size) for coupon issuance of the coupon issuer to check discount (or free pass) information corresponding to the transaction number number (or transaction amount size). And, it characterized in that it comprises a bansa server 200 for issuing a coupon corresponding to the confirmed discount (or free coupon) information to the regular customer.

In FIG. 2, the card company server 270 and the bansa server 200 are shown as one server for convenience, but this is for effectively describing the technical features of the card company server 270 and the bansa server 200 in the present invention. It is only one embodiment, it will be apparent that the card company server 270 and bansa server 200 may be implemented in the form of a system consisting of a plurality of servers for each functional component according to the intention of the skilled person and the card payment system implementation method. It is a bar.

The merchant VoIP terminal 297 is a VoIP terminal having a card reader and having a VoIP phone function and a card payment function, and includes a functional configuration shown in FIG.

According to an embodiment of the present invention, the merchant VoIP terminal 297 includes at least one card reader for card payment processing, reads card information from the customer card through the card reader, and inputs a key input device. After inputting payment information (eg, payment amount, installment months, etc.), a payment approval request message including the card information, payment information, and the affiliated store number is generated and transmitted to the bansa server 200 through a communication network. Characterized in that.

The bansa server 200 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, IEEE 802.16x-based portable Internet, and the like through at least one or more public communication network (or VoIP communication network) including a communication network and the merchant VoIP terminal 297 provided in the merchant characterized in that the communication channel The affiliated VoIP terminal 297 and the card company server 270 by connecting a communication channel with the card company server 270 through a dedicated communication network including at least one of an x.25 based communication network and an encryption / decryption based communication network. It characterized in that for connecting the relay.

According to an embodiment of the present invention, the bansa server 200 receives the payment approval request text encrypted with the bansa encryption key from the merchant VoIP terminal 297, and decrypts the payment approval request text with the decryption key of bansa. Thereafter, the card information included in the decoded payment approval request text is read to confirm a card company server 270 to which the payment approval request text is transmitted by reading a BIN (Bank Identification Number), and the payment approval request text (or the payment). Card information and payment information and payment approval request information including an affiliated store number) included in the pre-authorization request with an encryption key that can be decrypted by the confirmed card company server 270 and transmitted to the card company server 270. desirable.

The card company server 270 issues the customer card, and based on the card information included in the payment approval request message received from the bansa server 200, the payment authorization limit amount (eg, credit limit) for the customer card. , Or the balance of the linked account) and approves the payment for the payment amount included in the payment information through the payment approval limit amount.

According to the exemplary embodiment of the present invention, the card company server 270 is a payment approval request text (or card information included in the payment approval request text) encrypted with the encryption key of the card company server 270 from the bansa server 200. Payment approval request information including information and affiliated store number) and decrypts the received card information, payment information and affiliated store number included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 270 may calculate a payment approval limit amount (for example, a credit limit amount) for the customer card and a cumulative payment approval approved for a predetermined period of time. The amount of the payment approval limit is summed up by checking an amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount. If greater than the amount, it is desirable to approve the payment.

According to another embodiment of the present invention, when the card information is a check card, the card company server 270 checks the payment approval limit amount (for example, the balance of the linked account) for the customer card, and the payment approval limit. By comparing the amount of money and the amount of payment included in the payment information, if the payment approval limit amount is larger than the amount of payment, it is preferable to approve the payment.

Those skilled in the art to which the present invention pertains, should be familiar with the technical features of the technical features of the merchant VoIP terminal 297, bansa server 200 and card company server 270 operating as described above. Therefore, a more detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the bansa server 200 may include an interface unit for connecting and managing a communication channel with a VoIP terminal 297 for an affiliated store provided in the affiliated store through a communication network (for example, a public communication network and a VoIP communication network). 205 and the professional receiving unit 210 for receiving the payment approval request message through the communication channel in association with the interface unit 205, and reading the card information included in the received payment approval request message to approve the payment. A professional reader for checking the card company server 270 to relay the full request, a payment approval request unit 225 for transmitting the full payment approval request message to the confirmed card company server 270, and the card company server 270. The payment approval result receiving unit 230 for receiving a payment approval result full text including a payment processing history corresponding to the full payment approval request message from the payment unit through a communication channel in association with the interface unit 205; Characterized in that it comprises a specialized transmission unit 215 for transmitting the payment approval result full text including the details to the merchant VoIP terminal 297, by reading the payment processing details contained in the payment approval result full text Payment approval confirmation unit 235 for confirming that the card payment is approved, and information for storing the payment processing details included in the full payment approval result in the storage medium 267 in association with the card company information when the payment approval confirmation; It is characterized by comprising a storage unit 240 (or information storage means).

The interface unit 205 may be a merchant VoIP terminal 297 provided at the affiliate store through a communication protocol corresponding to a communication network connecting the bansa server 200 and the affiliated store VoIP terminal 297 provided at the affiliate store. Connecting a communication channel for transmission and reception of payment related specialty, and maintaining and managing the communication channel until the payment approval request professional transmission and reception is completed.

After reading the card information from the customer card through the card reader in the merchant VoIP terminal 297 to which the communication channel is connected, and inputting the payment information (eg, payment amount, installment months, etc.) through a key input device, When the payment approval request message including the card information, payment information, and the affiliated store number is generated and transmitted through a communication network, the specialized receiver 210 is connected to the interface unit 205 and the VoIP terminal 297 for the affiliated store. Characterized in that it receives the payment approval request full text from.

If the payment approval request message is encrypted and transmitted from the merchant VoIP terminal 297 through the Bansa encryption key, the message receiving unit 210 preferably decrypts the encrypted payment approval request message.

When the payment approval request text is received, the text reader reads the BIN from the card information included in the payment approval request text, and confirms the card company information to which the payment approval request text is to be relayed.

When the card company information to which the payment approval request message is relayed is confirmed by the specialized reading unit, the payment approval request unit 225 is connected through the communication channel connected between the bansa server 200 and the card company server 270. The payment approval request is characterized in that the transmission to the card company server (270).

Thereafter, the card company server 270 performs a payment approval procedure corresponding to the full text of the payment approval request, and transmits the full text of the payment approval result including the payment processing details corresponding to the full text of the payment approval request through the communication channel. The payment approval result receiver 230 may receive the full payment approval result message from the card company server 270 through the communication channel.

According to an embodiment of the present invention, when the payment corresponding to the full payment approval request is approved in the card company server 270, the payment processing details included in the full payment approval result is a card for the payment approved customer card. At least one information, payment approval date and time, payment authorization amount, merchant number and payment approval information is preferably included.

According to another exemplary embodiment of the present invention, when the payment corresponding to the full payment approval request is not approved in the card company server 270, the payment processing details included in the full payment approval result are card information for the customer card. And at least one payment error information.

When the payment approval result message is received from the card company server 270, the payment approval request message transmission unit 215 is linked to the interface unit 205 payment approval including the payment processing details through the communication channel. Characterized in that the full message is transmitted to the merchant VoIP terminal 297, wherein the interface unit 205 verifies the process of verifying that the payment approval result is transmitted to the merchant VoIP terminal (297). It is preferable to carry out more.

When the payment approval result message is received from the card company server 270, the payment approval confirmation unit 235 reads the payment processing details (for example, payment approval information) included in the payment approval result message and the card payment is made. When the payment approval confirmation, the information storage unit 240 stores the payment processing details included in the full payment approval result in the storage medium 267 in association with the card company information. It is done.

According to the present invention, the card company server 270 is a card for storing the customer information issued the customer card, the card information corresponding to the customer card issued to the customer and the card attribute information and the card limit information associated with processing Interworking with a DBMS that has a management D / B 295, or operates the card management D / B 295, or a DB server (not shown) equipped with the card management D / B 295 It is desirable to.

Here, the customer information may include personal information (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who has issued the customer card, and member information (eg, At least one member ID information).

Preferably, the card information includes a card number corresponding to a customer card issued to the customer, and additionally, the card issuer information (eg, card issuer number (or code)) and card type information (eg, Preferably, the card further includes a card identification number (or code) and expiration date information (some may be omitted) for the customer card.

The card attribute information may include payment attributes (eg, postpaid, debit, prepaid, etc.) for a customer card issued to the customer, a royalty attribute including a mileage accumulation policy for the customer card, and the customer card. It is preferable to include at least one or more additional service attributes associated with.

The card limit information confirms a payment approval limit amount for processing payment approval for a payment amount requested through the customer card according to a payment attribute (eg, postpaid, debit, or prepaid) of the customer card. It is preferable that the information is included.

According to an embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information for the customer card. .

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information includes account information associated with the customer card. It is preferable to make it.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information includes charge amount information charged in the customer card. desirable.

According to the present invention, the card company server 270 is provided with a payment history D / B (296) for storing the payment processing history of the payment approved when the payment through the customer card, or the payment history D / It is preferable to interwork with a DBMS operating B 296 or a DB server (not shown) provided with the transaction history card management D / B 295.

Here, the payment processing details, card information for the payment approved customer card, payment approval date, payment authorization amount, merchant number and payment approval information preferably comprises at least one or more.

The card information is information that matches card information provided in the card management D / B 295, and preferably includes a card number. The card information includes the card management D / B 295 through the card information. The payment history D / B 296 is preferably linked in a relational manner.

The payment approval date and time, it is preferable that the card company server 270 includes the date and time information payment approval processing through the customer card.

The payment approval amount is preferably made by the card company server 270 includes payment information of the amount approved through the customer card, the settlement amount to be settled to the merchant of the payment approved amount in accordance with the intention of the skilled person It is preferable that the information is further included.

The affiliated store number is information for identifying an affiliated store that has requested payment approval for the payment amount through the customer card, and the affiliated store number is an affiliated store number (or merchant code) included in the payment approval request text, and the payment approved amount. It is preferable that the settlement amount including the merchant account information to be settled.

The payment approval information may include a payment approval number assigned by the card company server 270 when the payment is approved through the customer card.

Referring to FIG. 2, the card company server 270 is connected with the communication unit 273 and the communication unit 273 for connecting and managing a communication channel with the bansa server 200 through a communication network (for example, a dedicated communication network). Receiving unit (275) for receiving the full payment approval request message from the bansa server 200, and the card information check unit for confirming that the card information included in the received payment approval request message matches the issued card information ( 280), if the card information is matched, check the payment approval limit amount corresponding to the card information, and process the payment for the payment amount included in the full payment approval request through the confirmed payment approval limit amount. A payment approval processing unit 283, a details generation unit 287 for generating a payment processing history including the payment approval result, and a generation for generating a payment approval result full text including the payment processing details; And a transmission unit 277 for transmitting the generated payment approval result text to the bansa server 200 through the communication channel in connection with the communication unit 273. When the payment is approved by the payment approval processing unit 283, characterized in that it further comprises an information storage unit 293 for storing the payment processing history contained in the payment processing history in the payment history D / B (296) do.

The communication unit 273 connects a communication channel for transmitting / receiving the full-text (or information) related to payment with the bansa server 200 through a communication protocol corresponding to the communication network connecting the card company server 270 and the bansa server 200. Characterized in that.

When the bansa server 200 transmits the full payment approval request message through the communication channel, the receiving unit 275 is connected with the communication unit 273 and includes at least one payment information including card information, payment information, and merchant number. Characterized in that the entire request for approval is received.

If the payment approval request message is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 270, the receiving unit 275 preferably decrypts the encrypted payment approval request message. .

When the payment approval request message is received, the card information verification unit 280 checks the card information included in the payment approval request message and is stored in the card management D / B 295 through the confirmed card information. By querying the card information, it is determined whether the card corresponding to the card information matches the customer card.

In addition, the card information verification unit 280 is a card that the customer card is reported missing or in the process of verifying the card information, or a card that satisfies the unusable conditions (for example, bad credit, overdue, etc.), or the expiration date It is preferable to further comprise the step of checking whether the card has passed.

When the validity of the card information included in the full payment approval request is confirmed by the card information checking unit 280, the payment approval processing unit 283 is linked with the card information to the card management D / B (295). By confirming the payment approval limit amount corresponding to the provided card limit information, characterized in that the payment processing for the payment amount included in the full payment approval request on the basis of the confirmed payment approval limit amount.

According to the embodiment of the present invention, the payment approval processing unit 283 first checks the payment attribute (eg, postpaid) corresponding to the card information in association with the card management D / B 295 to confirm the payment approval limit amount. Mold, debit, prepaid, etc.) is preferable.

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 283 may use the credit limit information included in the card limit information. It is preferable to check the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 283 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 283 uses the charge amount information included in the card limit information. It is preferable to check the payment authorization limit amount for the customer card.

When the payment approval limit amount for the customer card is confirmed, the payment approval processing unit 283 may approve payment for each payment attribute of the payment amount included in the full payment approval request based on the confirmed payment approval limit amount, or It is characterized by checking whether the payment error.

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 283 may be linked with the payment history D / B 296. Check the cumulative payment approval amount approved through the customer card during the period, add up the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount (E.g., credit limit amount) is compared to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the payment approval processing unit 283 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (eg, a debit card payment attribute or a debit card payment attribute), the payment approval processing unit 283 may execute the payment approval limit amount (eg , The balance of the linked account) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (eg, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 283 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 283 may include the payment approval limit amount (for example, a charged amount). It is preferable to check payment approval or payment error for the payment amount by comparing the payment amount included in the payment information.

For example, when the payment approval limit amount (eg, the charging amount) is larger than the payment amount, the payment approval processing unit 283 preferably processes the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 283, the details generation unit 287 includes a payment processing result including the payment approval result approved by the payment approval processing unit 283. Characterized by generating a history.

When the payment is approved according to an embodiment of the present invention, the payment processing details include at least one of card information, payment approval date, payment approval amount, merchant number and payment approval information for the approved payment card. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the customer card.

When the payment processing history is generated, the generation unit 290 is characterized in that for generating a payment approval result full text including the payment processing history, the transmission unit 277 is linked to the communication unit 273 Characterized in that the full payment approval result is transmitted to the bansa server 200 through a communication channel.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 283, the information storage unit 293 may include card information included in the payment processing history generated by the history generation unit 287. The payment processing history D / B 296 may include a payment processing history including at least one payment approval date, payment approval amount, merchant number, and payment approval information.

According to the present invention, the bansa server 200, the coupon issuer information corresponding to any one of the merchant or bansa, the merchant number, coupon design information, the coupon issuer A storage medium 267 for storing the transaction details (or transaction amount size) information for issuing coupons and discount (or free voucher) information for each transaction history number (or transaction amount size); The storage medium 267 may include at least one coupon issuance period information (not shown), coupon issuance date setting information (not shown), and coupon expiration date setting information (not shown) for the coupon. It is desirable to store more in conjunction.

Here, the coupon issuer information is affiliated store identification information for confirming the merchant issuing a coupon issued to a regular customer in connection with the card payment through the merchant VoIP terminal 297, bansa identification information for checking the bansa, the It is preferable to include at least one partner identification information for identifying an affiliate of the affiliated store (or bansa).

The affiliated store number is information for identifying an affiliated store provided with the affiliated store VoIP terminal 297, and includes one or more terminal identification numbers assigned to the affiliated store or terminal-specific information provided in the affiliated store VoIP terminal 297. It is preferable to comprise.

The coupon design information is valid set by coupon issue date information set by the coupon issuer information, discount (or free ticket) information, coupon issue date setting information (not shown), and coupon expiration date setting information (not shown). It is preferable to include design information for generating coupon data including period information.

Among the transaction history number (or transaction amount size) information, the transaction history number includes the sum of the number of payment processing details approved for a certain period based on the payment approval date included in the payment processing history. Preferably, the transaction amount size is preferably made up of the sum of the payment approval amount for a predetermined period based on the payment approval date and time included in the payment processing history, through the merchant VoIP terminal 297 It is preferable to include a reference value for confirming that the card payment customer who requested the card payment is a regular customer.

According to an embodiment of the present invention, it is preferable that one or more pieces of transaction details (or transaction amount size) information are included for each discount (or free ticket) information.

Preferably, the discount (or free voucher) information includes one or more discount rates (or discount vouchers) according to one or more transaction details (or transaction amount size), or the free voucher amount.

Referring to Figure 2, the bansa server 200, the coupon issuer information corresponding to any one of the merchant or bansa from the merchant VoIP terminal 297, in order to provide a coupon through the customer confirmation, merchant number and Receiving one or more coupon design information, information on the number of transactions (or transaction amount) for coupon issuance, and discount (or free ticket) information for each transaction number (or transaction amount) A receiving unit 245 (or information receiving means), the received one or more coupon issuer information, merchant number, coupon design information, transaction history number (or transaction amount size) information for issuing the coupon of the coupon issuer; And an information storage unit 293 (or information storage means) for storing discount (or free ticket) information for each transaction number (or transaction amount size) in the storage medium 267. It is characterized by made.

In the VoIP terminal 297 for the merchant shown in FIG. 1, one of the merchant and the bansa is selected as the coupon issuer through the coupon issuer selection interface, and the coupon issuer is selected as the merchant through the coupon issuer selection interface. Coupon issuer information corresponding to the merchant selected (or input) through the interface, merchant number, coupon design information selected (or input) through the coupon production interface, transaction history number (or transaction amount size) information And, when transmitting discount (or free ticket) information for each transaction number (or transaction amount size), the information receiving unit 245 is the coupon issuer information corresponding to the merchant from the merchant VoIP terminal 297, merchants Number, coupon design information selected (or input) through the coupon production interface, and transaction history number (or Money amount) information, and discount (or free ticket) information for each transaction number (or transaction amount size). The information storage unit 293 may include the received coupon issuer information, a merchant number, and the like. Linking the coupon design information selected (or input) through the coupon production interface, the transaction history number (or transaction amount size) information, and the transaction history number (or transaction amount size) discount (or free pass) information And store in the storage medium 267.

Alternatively, either the merchant or the bansa is selected as the coupon issuer through the coupon issuer selection interface in the merchant VoIP terminal 297 illustrated in FIG. 1, and the coupon issuer is selected as the bansa through the coupon issuer selection interface. When the coupon issuer information corresponding to the bansa selected (or input) through the coupon production interface, the merchant number, and the coupon design information selected (or input) through the coupon production interface are transmitted, the information receiver 245 ) Receives the coupon issuer information corresponding to the bansa, the merchant number, and the coupon design information selected (or input) through the coupon production interface from the merchant VoIP terminal 297. The storage unit 293 may determine the number of transactions (or transaction amount size) set for the Bansa regular customer confirmation. And the discount (or free ticket) information for each transaction history number (or transaction amount size), the received coupon issuer information, the merchant number, the coupon design information, and the confirmed transaction history number (or transaction amount). Size) information and discount (or free usage right) information for each transaction history number (or transaction amount size) are stored in the storage medium 267.

Referring to Figure 2, the bansa server 200, in order to provide a coupon through a regular customer confirmation, when receiving the payment approval request full text through the specialized receiving unit 210, the card information included in the payment approval request full text And confirming an affiliate store number, the coupon issuer information associated with the affiliate store number in association with the storage medium 267, the transaction history number (or transaction amount size) information and the transaction history number (or transaction) for issuing the coupon of the coupon issuer. Coupon provider confirmation unit 250 (or coupon provider checking means) for checking the discount (or free voucher) information for each amount, and when the coupon provider information is confirmed to be a merchant, one or more card information and approval date and time of payment approval In connection with the transaction history D / B (265) that stores the payment processing history, including the information and merchant number, the card information and merchant number included in the full payment approval request request Check the number of transactions (or amount of transaction amount) for a certain period of time, and if the coupon provider information is confirmed as bansa, the card included in the full payment approval request in conjunction with the transaction history D / B (265) The loyalty customer confirmation unit 253 (or the loyalty customer confirmation means) for confirming the number of transactions (or the amount of transaction amount) for a certain period of time including the information, the number of the confirmed transactions (or the amount of transaction amount) and the An information checking unit 255 for comparing coupon number of transactions (or amount of transaction amount) for coupon issuance of coupon issuer to check discount (or free ticket) information corresponding to the number of transactions (or amount of transaction amount). (Or information confirmation means).

When the payment approval request message is received through the professional receiving unit 210, the coupon provider checking unit 250 checks the card information and the affiliated store number included in the payment approval request message, and either the merchant or the bansa. Corresponding coupon issuer information, merchant number, coupon design information, transaction history number (or transaction amount size) information for coupon issuer of the coupon issuer, and discount (or free) by transaction history number (or transaction amount size) Usage rights) from the storage medium 267 that stores the information in association with the coupon issuer information matching the merchant number included in the full payment approval request message, and the transaction history number (or transaction amount size) information for the coupon issuer's coupon issuance; It is characterized by checking the discount (or free ticket) information for each transaction history number (or transaction amount size).

According to another exemplary embodiment of the present invention, the full payment approval request message may further include coupon issuer information. In this case, the coupon provider verification unit 250 may transfer the full payment approval request message from the storage medium 267. Confirming the transaction history number (or transaction amount size) information and the transaction history number (or transaction amount size) information for the coupon issuer matching the merchant number and coupon issuer information included It is characterized by.

According to an embodiment of the present invention, if the coupon provider is determined to include an affiliated store provided with the merchant VoIP terminal 297, the regular customer confirmation unit 253 is one or more card information approved and payment date and time The number of transactions (or transactions) for a certain period of time including the card information and the merchant number included in the payment approval request text in association with the transaction history D / B 265, which stores the payment processing history including the information and the merchant number. Amount of money), wherein the number of transactions (or amount of money) of the confirmed transaction details is greater than or equal to a predetermined reference value.

According to another embodiment of the present invention, if the coupon provider is confirmed to include a bansa to process the payment approval request from the merchant equipped with the merchant VoIP terminal 297, the regular customer confirmation unit 253 is For a certain period of time including the card information included in the full payment approval request in association with the transaction history D / B 265, which stores payment processing details including at least one payment card information, approval date and payment information, and merchant number. By confirming the number of transactions (or the amount of transaction amount) of the, characterized in that the confirmed transaction history number (or the amount of transaction amount) of the bansa regular customer of a predetermined reference value or more.

Herein, the number of transaction details may include a number obtained by adding up the number of payment processing details approved for a predetermined period on the basis of the payment approval date included in the payment processing details, and the transaction amount size is the payment processing. It is preferable to include the sum of the payment approval amount for a certain period based on the payment approval date included in the details.

If the coupon issuance period information is further stored in the storage medium 267, the regular customer confirmation unit 253 checks whether the current date and time has passed the coupon issuance period, and if the coupon issuance period has not passed It is preferable to check the number of transactions (or amount of transaction amount) for a certain period of time for the regular customer.

When the number of transactions (or amount of transaction amount) for a certain period is confirmed through the regular customer confirmation unit 253, the information confirmation unit 255 may determine the number of confirmed transactions (or amount of transaction amount) and the coupon. It is characterized by checking the discount (or free ticket) information corresponding to the number of transactions (or the amount of transaction amount) by comparing the number of transactions (or amount of transaction amount) of coupons issued for issuers of the issuer.

According to the method of the present invention, the transaction history number (or transaction amount size) preferably comprises one or more transaction history number (or transaction amount size) steps, and the information verification unit 255 is the transaction history It is preferable to check the discount (or free ticket) information corresponding to the specific transaction history number (or transaction amount size) during the number (or transaction amount size) step.

According to another exemplary embodiment of the present invention, the information checking unit 255 may calculate a predetermined proportional formula (or discount (or free ticket) information calculation formula) (for example, a proportional formula designated by a coupon provider or discount (or free ticket) information calculation). Or a discount (or free) in proportion to the number of transactions (or amount of transaction amount) identified above, in accordance with the formula, or a proportional formula specified in accordance with the discount (or free voucher) information calculation policy, or a discount (or free voucher) information calculation formula). Usage right) information can be calculated, whereby the present invention is not limited.

If the transaction history number (or transaction amount size) is not confirmed through the regular customer verification unit 253, the information verification unit 255 does not confirm the discount (or free ticket) information, Or, it is preferable to check the predetermined minimum discount (or free ticket) information.

Referring to FIG. 2 according to an exemplary embodiment of the present disclosure, the bansa server 200 may provide a discount (or free) corresponding to the confirmed transaction history number (or transaction amount size) through the information verification unit 255. When the usage right) information is confirmed, an information transmission unit 257 (or information transmission means) for transmitting the confirmed discount (or free usage right) information to the merchant VoIP terminal 297 may be provided.

When the discount (or free pass) information corresponding to the confirmed transaction history number (or transaction amount size) is confirmed through the information confirming unit 255, the information transmitting unit 257 checks the confirmed discount (or free). Usage rights) is characterized in that for transmitting to the merchant VoIP terminal (297).

According to an exemplary embodiment of the present invention, the information transmission unit 257 is discounted to the payment approval result full text when transmitting the payment approval result full text to the merchant VoIP terminal 297 through the professional transmission unit 215 ( Alternatively, it is preferable to establish a free ticket information item and transmit the discount (or free ticket) information to the merchant VoIP terminal 297 including the discount (or free ticket) information in its entirety.

According to another exemplary embodiment of the present invention, the information transmission unit 257 through the professional transmission unit 215 before and after the payment approval result full text transmission to the merchant VoIP terminal 297, the confirmed discount ( Or, it is preferable to transmit the free right of use) information to the merchant VoIP terminal 297.

Referring to FIG. 2 according to another exemplary embodiment of the present invention, the bansa server 200 may provide a discount (or a corresponding amount of transaction amount (or transaction amount size)) through the information verification unit 255. When the free coupon information is confirmed, the coupon generator 260 (or information generating means) for generating coupon data including the confirmed discount (or free coupon) information and the coupon design information, and the generated coupon data It is characterized in that it comprises a coupon transmission unit 263 (or coupon transmission means) for transmitting to the merchant VoIP terminal 297, or to the customer wireless terminal.

When the discount (or free ticket) information corresponding to the confirmed transaction history number (or transaction amount size) is confirmed through the information confirmation unit 255, the coupon generation unit 260 may determine the confirmed discount (or free). Coupon data including coupon information and coupon design information.

If the coupon issuance date setting information is further stored in the storage medium 267, the coupon generation unit 260 may generate coupon data further including coupon issuance date information set by the coupon issuance date setting information.

In addition, when coupon expiration date setting information is further stored in the storage medium 267, the coupon generator 260 generates coupon data further including coupon expiration date information set by the coupon expiration date setting information. It is preferable.

The coupon transmitting unit 263 is characterized in that for transmitting the generated coupon data to the merchant VoIP terminal 297.

According to an exemplary embodiment of the present invention, the information transmitting unit 257 transmits the coupon approval result to the entire payment approval result when transmitting the payment approval result to the merchant VoIP terminal 297 through the professional transmission unit 215. It is preferable to establish an item and include the coupon data in the full payment approval result and transmit the coupon data to the merchant VoIP terminal 297.

According to another exemplary embodiment of the present invention, the information transmission unit 257 before / after the payment approval result full text transmission to the merchant VoIP terminal 297 through the professional transmission unit 215, the generated coupon data It is preferable to transmit to the merchant VoIP terminal 297.

Referring to Figure 2 according to another embodiment of the present invention, the bansa server 200, information for receiving the valid customer wireless terminal information of the regular customer to be sent coupon data from the merchant VoIP terminal 297 When the discount unit 245 (or information receiving unit) and the discount (or free ticket) information corresponding to the confirmed transaction history number (or transaction amount size) are confirmed through the information confirming unit 255, the confirmed The coupon generating unit 260 (or information generating means) for generating coupon data including discount (or free coupon) information and coupon design information, and transmits the generated coupon data to the merchant VoIP terminal 297 or Or a coupon transmission unit 263 (or coupon transmission means) for transmitting to the customer wireless terminal.

When the merchant VoIP terminal 297 transmits the customer wireless terminal information to the payment approval request message, the information receiving unit 245 extracts the customer wireless terminal information from the payment approval request message and receives and processes the received information. Characterized in that.

Alternatively, when the merchant VoIP terminal 297 transmits the customer wireless terminal information before and after the transmission and reception of the payment approval request message or the payment approval result message, the information receiving unit 245 receives the customer wireless terminal information. It is characterized by.

When the discount (or free ticket) information corresponding to the confirmed transaction history number (or transaction amount size) is confirmed through the information confirmation unit 255, the coupon generation unit 260 may determine the confirmed discount (or free). Coupon data including coupon information and coupon design information.

If the coupon issuance date setting information is further stored in the storage medium 267, the coupon generation unit 260 may generate coupon data further including coupon issuance date information set by the coupon issuance date setting information.

In addition, when coupon expiration date setting information is further stored in the storage medium 267, the coupon generator 260 generates coupon data further including coupon expiration date information set by the coupon expiration date setting information. It is preferable.

The customer wireless terminal information is received through the payment approval request message through the information receiving unit 245, or the customer wireless terminal information associated with the full payment approval request or payment approval result is received, and the coupon generation unit ( When the coupon data is generated through 260, the coupon transmitter 263 may transmit the generated coupon data to the customer wireless terminal.

According to an embodiment of the present invention, the coupon transmitting unit 263 preferably transmits the generated coupon data to the customer wireless terminal through a message exchange protocol of a wireless communication network to which the customer wireless terminal is connected.

Figure 3 is a view showing a coupon production process for providing a coupon through a regular customer confirmation according to an embodiment of the present invention.

In more detail, Figure 3 is a process for producing a coupon provided to the merchant or bansa regular customers in the merchant VoIP terminal 297 shown in Figure 1, the general knowledge in the art If the person having, it will be able to infer various implementation methods for the coupon production process for providing a coupon through the customer confirmation with reference to and / or modifying the present Figure 3, the present invention includes all the implementation methods inferred It is made by, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 3, the VoIP terminal shown in FIG. 1 outputs a coupon issuer selection interface for selecting a coupon issuer corresponding to any one of a merchant and a bansa through the screen output unit by selecting a coupon making button (or menu). In operation 300, the coupon issuer is selected through the coupon issuer selection interface.

If a coupon issuer is selected through the coupon issuer selection interface (305), the VoIP terminal reads the coupon issuer information and checks whether the coupon issuer is a merchant or a bansa (310).

If the coupon issuer is identified as an affiliated store (315), the VoIP terminal provides coupon design information to be issued by the affiliated store, one or more transaction details (or transaction amount size) information for issuing the coupon of the affiliated store, and transaction details. Print a coupon creation interface for selecting (or entering) one or more discount (or free voucher) information for each number (or transaction amount size), and if the coupon issuer is selected as a bansa, a coupon design issued by bansa through the merchant Outputs a coupon making interface for selecting (or inputting) information, and provides coupon design information to be issued by the merchant through the coupon making interface, and one or more transaction details (or transaction amount size) information for issuing coupons of the merchant. And at least one discount (or free pass) information for each transaction number (or transaction amount size). (Or input) to process 320.

Thereafter, the VoIP terminal generates coupon issuer information for processing the affiliate store as a coupon issuer, checks the affiliate store number from the memory unit (325), and generates the coupon issuer information, the affiliate store number, and the coupon. Coupon design information selected (or input) through the production interface, information on the number of transactions (or transaction amount) of one or more transactions for issuing the coupon, and discounts (or free tickets) by transaction history (or transaction amount) Information is transmitted to the bansa server 200 (330), and in response, the bansa server 200 provides coupon issuer information, the affiliate store number, the coupon design information, and one or more transaction details for issuing the coupon. The number (or transaction amount size) information and the discount (or free pass) information for each transaction number (or transaction amount size) are linked to each other and stored in the storage medium 267. And 335.

On the other hand, if the coupon issuer is identified as a bansa (315), the VoIP terminal outputs a coupon production interface for selecting (or input) coupon design information issued by the bansa through the merchant, the bansa through the coupon production interface In operation 340, the coupon design information to be issued is selected (or input).

Subsequently, the VoIP terminal generates coupon issuer information for treating the bansa as a coupon issuer, and after confirming the affiliate store number from the memory unit (345), the coupon issuer information corresponding to the bansa, the affiliate store number, and the The coupon design information selected (or input) through the coupon production interface is transmitted to the bansa server 200 (350).

Subsequently, the bansa server 200 checks one or more transaction details (or transaction amount size) information set by the bansa and discount (or free ticket) information for each transaction history number (or transaction amount size) (355). ), The coupon issuer information, the merchant number, the coupon design information, one or more transaction details (or transaction amount size) information for issuing the coupon, and a discount for each transaction number (or transaction amount size) ( Or free usage right) information is stored in the storage medium 267 (335).

4 is a diagram illustrating a payment approval request process for providing a coupon through a regular customer confirmation according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a process of generating and transmitting a payment approval request message for card payment processing from the merchant VoIP terminal 297 shown in FIG. 1 to the bansa server 200 shown in FIG. As a specific example, it is a diagram illustrating an implementation method of transmitting the payment approval request without including customer wireless terminal information for transmitting coupon data.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for payment approval request process for providing coupons through the regular customer confirmation. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 4, the VoIP terminal shown in FIG. 1 reads card information from the customer card through a card reader and inputs payment information (eg, payment amount, installment months, etc.) through a key input means. In operation 405, a payment approval request message including the input card information and payment information and an affiliate store number stored in the VoIP terminal is generated (405).

Thereafter, the VoIP terminal checks a currently connected VoIP based communication channel (eg, a VoIP voice channel through a VoIP gateway and a gatekeeper), and transmits the VoIP based communication channel to the bansa server 200 for data transmission and reception. Switch to (or connect) to (410).

If the data communication channel is switched (or connected) (415), the VoIP terminal transmits the full text of the payment approval request to the bansa server 200 through the data communication channel (420).

5 is a diagram illustrating a payment approval request process for providing a coupon through a regular customer confirmation according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a process of generating and transmitting a payment approval request message for card payment processing from the merchant VoIP terminal 297 shown in FIG. 1 to the bansa server 200 shown in FIG. As a specific example, it is a diagram illustrating an implementation method including transmission of customer wireless terminal information for coupon data transmission to the full payment approval request.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the payment approval request process for providing coupons through the regular customer confirmation. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 5.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to transmit the full text of the payment approval request without including the customer wireless terminal information in the full text of the payment approval request. Before and after the input via the wireless terminal information input interface will be able to infer the implementation method of transmitting to the bansa server 200, the present invention is characterized in that it comprises all the inferred implementation method.

For those skilled in the art to which the present invention pertains, a method of transmitting to the bansa server 200 further includes coupon issuer information in the full payment approval request by referring to and / or modifying the drawing 5. It may be inferred, and the present invention is characterized by including all the methods of inference.

Hereinafter, in FIG. 5, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 5, the VoIP terminal shown in FIG. 1 reads card information from the customer card through a card reader, and inputs payment information (eg, payment amount, installment months, etc.) through a key input means. In operation 500, the terminal outputs a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to which coupon data is to be transmitted, and checks whether the customer wireless terminal information is input through the wireless terminal information input interface. .

If the customer wireless terminal information is input through the wireless terminal information input interface (510), the VoIP terminal includes the input card information and payment information and the affiliate store number stored in the VoIP terminal, and the input customer wireless A payment approval request message further including terminal information is generated (515).

Thereafter, the VoIP terminal checks a currently connected VoIP based communication channel (eg, a VoIP voice channel through a VoIP gateway and a gatekeeper), and transmits the VoIP based communication channel to the bansa server 200 for data transmission and reception. Switch to (or connect) to (520).

If the data communication channel is switched (or connected) (525), the VoIP terminal transmits the full text of the payment approval request to the bansa server 200 through the data communication channel (530).

Figure 6 is a view showing a bansa treatment process for providing a coupon through a regular customer confirmation according to an embodiment of the present invention.

In more detail, FIG. 6 shows a payment from the merchant VoIP terminal 297 through the payment approval request process shown in FIG. 4 or FIG. 5 when the card payment processing is performed at the merchant VoIP terminal 297 provided at each affiliate store. When the request for approval is transmitted, the payment approval request corresponding to the payment approval request message is processed, but the process of checking the coupon provider for the card payment based on the card information or the merchant number included in the payment approval request message. For those skilled in the art to which the present invention pertains, various embodiments of the bansa processing process for providing coupons through the reference customer can be inferred by referring to and / or modifying the present invention. It should be understood that the present invention includes all implementation methods inferred by the above, and the technical features thereof are only shown by the implementation method illustrated in FIG. This is not limited.

Hereinafter, in FIG. 6, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 6, the bansa server 200 receives the full payment approval request message from the VoIP terminal through the payment approval request process illustrated in FIG. 4 or 5 (600).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the VoIP terminal through the bansa encryption key, the bansa server 200 preferably decrypts the encrypted payment approval request text. Do.

Thereafter, the bansa server 200 checks the card information included in the full payment approval request (605).

According to the implementation method of the present invention, the bansa server 200 may further check the payment information and the merchant number included in the full payment approval request request, thereby the present invention is not limited.

Thereafter, the bansa server 200 reads the checked card information and checks the card company server 270 to relay the full payment approval request message (610).

According to the method of the present invention, the bansa server 200 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 270 to relay the payment approval request message is confirmed (615), the bansa server 200 to the confirmed card company server 270 to the payment approval request message (or the payment approval request message) The payment request information including the card information, payment information, and the merchant number included) is relayed and transmitted (620).

In addition, the bansa server 200 checks the card information and the merchant number included in the full payment approval request (625), coupon issuer information corresponding to any one of the merchant or bansa, merchant number and coupon design A storage medium 267 storing information, a transaction history number (or transaction amount size) information for issuing the coupon by the coupon issuer, and discount (or free ticket) information for each transaction history number (or transaction amount size). The coupon issuer information associated with the affiliate store number, the transaction history number (or transaction amount size) information for the coupon issuer's coupon issuance, and the discount (or free ticket) information for each transaction history number (or transaction amount size) Check (630).

7 is a diagram illustrating a payment approval process according to an embodiment of the present invention.

In more detail, in FIG. 7, when the payment approval request message is received by the card company server 270 through the bansa processing process shown in FIG. 6, the payment requested through the payment approval request message is received from the card company server 270. As a process for the approval process, those of ordinary skill in the art to which the present invention belongs, in the payment approval process for providing a winning game through the customer reference with reference to and / or modified the reference 7 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 7, the full payment approval request is received by the card company server 270 through the bansa process illustrated in FIG. 6 (700).

When the full payment approval request is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 270 according to the embodiment of the present invention, the card company server 270 is the encrypted payment approval request. It is desirable to decrypt the full text.

Then, the card company server 270 checks the card information, payment information and merchant information included in the full payment approval request (705), and stored in the card management D / B (295) through the confirmed card information By querying the card information, it is checked whether the card corresponding to the card information matches the customer card (710).

According to the exemplary embodiment of the present invention, the card company server 270 is a card in which the customer card is reported missing in the process of checking the card information, or is a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), Or it is preferably made further comprising the step of checking whether the expiration date of the card.

If the card information is not matched with the customer card as a result of the check (715), the card company server 270 generates a full payment approval result including payment error information and transmits it to the bansa server 200. (720).

On the other hand, if the card information is matched with the customer card as a result of the check (715), the card company server 270 to the card limit information provided in connection with the card information in the card management D / B (295) The payment approval limit amount for each corresponding payment attribute is checked (730).

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 270 receives the credit limit amount information included in the card limit information. It is desirable to confirm with the payment authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 270 may be linked to the card limit information. It is preferable to check the account information, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 270 reads the charge amount information included in the card limit information. It is desirable to check the payment authorization limit for the customer card.

If the payment approval limit amount for each payment attribute of the customer card is confirmed (735), the card company server 270 based on the confirmed payment approval limit amount, the payment attribute for the payment amount included in the full payment approval request. The process of acknowledging payment is performed (740).

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (eg, credit card payment attribute), the card company server 270 is connected to the payment history D / B 296 for a predetermined period of time. And confirm the cumulative payment approval amount approved through the customer card, and add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount ( For example, it is preferable to confirm the payment approval or payment error for the payment amount by comparing the credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is greater than the sum of the sums, the card company server 270 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 270 may execute the payment authorization limit amount (for example, Balance of the linked account) and the payment amount included in the payment information, it is preferable to confirm the payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 270 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 270 may include the payment authorization limit amount (for example, a recharge amount) and the like. The payment amount included in the payment information may be compared to confirm payment approval or a payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 270 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (745), the card company server 270 generates a full payment approval result including payment error information and transmits it to the bansa server 200 ( 720).

On the other hand, when the payment approval for each payment attribute is confirmed as a result of the payment approval process (745), the card company server 270 generates a payment processing history including the payment approval result (750).

Here, the payment processing history preferably comprises at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the approved customer card.

Thereafter, the card company server 270 generates payment processing details including at least one of card information included in the generated payment processing details, payment approval date, payment approval amount, merchant information and payment approval information (755). In operation 760, the payment processing history is stored in the payment history D / B 296.

In addition, the card company server 270 generates a full payment approval result including the payment processing details and transmits the full text to the bansa server 200 (765).

8 is a view showing a discount (or free pass) processing process for merchants / Bansa regular customers according to an embodiment of the present invention.

In more detail, when FIG. 8 checks the coupon provider information corresponding to the card payment through the bansa process shown in FIG. 6, the coupon provider information is read to determine whether the card payment customer is a regular customer of the merchant / bansa. And confirming the number of transactions (or amount of transaction amount) for a certain period of time for the regular customer, and confirming the number of confirmed transactions (or amount of transaction amount) and the number of issued transaction details for issuing the coupon of the coupon issuer. (Or a transaction amount size) is a process for checking discount (or free usage rights) information corresponding to the transaction history number (or transaction amount size) and providing the same to the merchant VoIP terminal 297. Those of ordinary skill in the art, by referring to and / or modifying the present Figure 8, the discount for the merchant / Bansa regular customer ( Or free license) can be inferred various implementation methods for the process, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 8 illustrates the discount (or free ticket) information included in the payment approval result in its entirety and transmitted to the VoIP terminal, the present invention is not limited thereto, and the discount (or It is evident that the free usage right information may be transmitted to the VoIP terminal without being included in the full payment approval result.

Hereinafter, in FIG. 8, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 8, when the coupon provider information corresponding to the card payment is confirmed through the bansa processing process illustrated in FIG. 6, the bansa server 200 reads the coupon provider information and the coupon corresponding to the card payment. The provider checks whether the merchant or the bansa (800).

If the coupon provider is not a merchant (or, if Bansa is a coupon provider) (805), the bansa server 200 stores the payment processing history, including one or more card information and payment date and authorization number and the merchant number approved for payment. In operation 810, the transaction history number (or transaction amount size) is checked in connection with the transaction history D / B 265, including the card information included in the full payment approval request.

On the other hand, if the coupon provider is a member store (805), the bansa server 200 and the transaction history D / B (265) for storing the payment processing details including payment card information and approval date information and the merchant number and the payment authorization; In operation 815, the transaction history number (or transaction amount size) is checked for a predetermined period including card information and affiliate store number included in the full payment approval request.

Herein, the number of transaction details may include a number obtained by adding up the number of payment processing details approved for a predetermined period on the basis of the payment approval date included in the payment processing details, and the transaction amount size is the payment processing. It is preferable to include the sum of the payment approval amount for a certain period based on the payment approval date included in the details.

If the coupon issuance period information is further stored in the storage medium 267, the bansa server 200 checks whether the current date and time has passed the coupon issuance period, and the regular only if the coupon issuance period has not passed It is desirable to check the number of transactions (or amount of transaction amount) for a certain period of time for the customer.

Thereafter, the bansa server 200 compares the confirmed transaction history number (or transaction amount size) with the coupon issuer transaction history number (or transaction amount size) for issuing a coupon of the coupon issuer, and thus the transaction history number (or The discount (or the free pass) information corresponding to the transaction amount size) is checked (820).

According to the exemplary embodiment of the present invention, the transaction history number (or transaction amount size) may include one or more transaction history number (or transaction amount size) steps, and the bansa server 200 may include the transaction history number. It is preferable to check the discount (or free ticket) information corresponding to the specific transaction history number (or transaction amount size) during the (or transaction amount size) step.

According to another exemplary embodiment of the present invention, the bansa server 200 may calculate a predetermined proportional formula (or a discount (or free ticket) information calculation formula) (for example, a proportional formula designated by a coupon provider or a discount (or free ticket) information calculation formula). , Or a discount (or a free pass) that is proportional to the number of transactions (or amount of transaction amount) identified above in accordance with the proportional formula specified in accordance with the discount (or free pass) information calculation policy or the discount (or free pass) information calculation formula). It is possible to calculate the information, whereby the present invention is not limited.

If the transaction history number (or transaction amount size) is not confirmed through the regular customer verification unit 253, the bansa server 200 does not confirm the discount (or free ticket) information, or It is desirable to check the predetermined minimum discount (or free ticket) information.

In addition, the bansa server 200 checks whether the full payment approval result is received from the card company server 270 through the payment approval process shown in FIG. 7 (825).

If the payment approval result message is received from the card company server 270 (830), the VoIP terminal reads the payment processing details included in the payment approval result message and confirms whether the card payment is approved (835). .

If the card payment is not approved (840), the bansa server 200 transmits the full text of the payment approval result to the VoIP terminal (855).

On the other hand, if the card payment is approved (840), the bansa server 200 stores the payment processing history in connection with the card company information in the transaction history D / B (265) (845), the full payment approval result After the discount (or free usage right) information is included (850), the full payment approval result is transmitted to the VoIP terminal (855).

According to another exemplary embodiment of the present invention, the bansa server 200 does not include the discount (or free ticket) information in the full payment approval result, and before / after the transmission of the full payment approval result through the communication channel. It is apparent that it is possible to transmit the discount (or free usage right) information to the VoIP terminal.

FIG. 9 is a diagram illustrating a coupon issuing process for a merchant / bansa regular customer through an affiliated store VoIP terminal according to an exemplary embodiment of the present invention.

In more detail, when FIG. 9 receives the full payment approval result including the discount (or free ticket) information through the discount (or free ticket) process shown in FIG. 8, the VoIP terminal 297 for the affiliated store receives the message. The process of issuing a coupon to the regular customer through the discount (or free ticket) information. Specifically, when a payment approval is requested to the bansa through the process shown in FIG. 4 or 5, the blind spot Coupon data is generated through discount (or free ticket) information in the VoIP terminal 297 for the merchant, and the coupon data is transmitted through a coupon issuing device (not shown) (for example, a printing apparatus) associated with the merchant VoIP terminal 297. Figure is a view showing an embodiment of outputting.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for the coupon issuance process for the merchant / bansa regular customer, but the present invention Is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, FIG. 9 illustrates that the discount (or free ticket) information is included in the full payment approval result and received by the VoIP terminal. However, the present invention is not limited thereto, and the discount (or It is evident that the free usage right information can be received by the VoIP terminal without being included in the full payment approval result.

Hereinafter, the VoIP terminal 297 for the merchant shown in FIG. 1 in FIG. 9 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 9, when the payment approval result including the discount (or free pass) information is received through the discount (or free pass) process shown in FIG. 8, the full text of the payment approval result (900) is received. The payment processing history and the discount (or free ticket) information included in the full text of the result are displayed on the screen and printed out (905).

Thereafter, the VoIP terminal reads the payment processing history included in the full payment approval result and confirms payment approval (910).

If the payment approval is confirmed (915), the VoIP terminal checks the discount (or free voucher) information included in the payment approval result full text (920), the coupon data based on the discount (or free voucher) information Create 925.

Thereafter, the VoIP terminal outputs the coupon corresponding to the coupon data by providing the coupon data to the coupon issuing device connected to the VoIP terminal through cable communication and / or short-range communication (S930).

FIG. 10 is a diagram illustrating a coupon issuing process for a merchant / bansa regular customer through an affiliated store VoIP terminal according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the payment approval result including the discount (or free ticket) information is received through the discount (or free ticket) processing shown in FIG. 8, the full payment authorization result is received from the VoIP terminal 297 for the merchant. The process of issuing a coupon to the regular customer through the discount (or free ticket) information. Specifically, when payment approval is requested to the bansa through the process shown in Figure 4, the merchant VoIP terminal ( 297) illustrates a method of generating coupon data through discount (or free ticket) information and transmitting the coupon data to the customer wireless terminal.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the coupon issuance process for the merchant / bansa regular customer. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 10 illustrates that the discount (or free ticket) information is included in the full payment approval result and received by the VoIP terminal, the present invention is not limited thereto, and the discount (or It is evident that the free usage right information can be received by the VoIP terminal without being included in the full payment approval result.

Hereinafter, in FIG. 10, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as a "VoIP terminal" for convenience.

Referring to FIG. 10, when the payment approval result including the discount (or free pass) information is received through the discount (or free pass) process illustrated in FIG. 8, the full text of the payment approval result is received (1000), the VoIP terminal receives the payment approval. The payment processing history and the discount (or free ticket) information included in the full text of the result are displayed on screen and printed (1005).

Thereafter, the VoIP terminal reads the payment processing history included in the full payment approval result and confirms payment approval (1010).

If the payment approval is confirmed (1015), the VoIP terminal checks the discount (or free voucher) information included in the full payment approval result (1020), and the coupon data based on the discount (or free voucher) information Create (1025).

Thereafter, the VoIP terminal outputs a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted, and confirms whether the customer wireless terminal information is input through the wireless terminal information input interface. (1030).

If the customer wireless terminal information is input through the wireless terminal information input interface (1035), the VoIP terminal transmits the generated coupon data to the customer wireless terminal through the VoIP network (1040).

According to an embodiment of the present invention, it is preferable that the VoIP terminal transmits the coupon data to the customer wireless terminal according to a message exchange protocol defined between the VoIP network and a wireless communication network to which the customer wireless terminal is connected.

11 is a diagram illustrating a coupon issuing process for a merchant / bansa regular customer through an affiliated store VoIP terminal according to another embodiment of the present invention.

In more detail, when FIG. 11 receives the full payment approval result including discount (or free ticket) information through the discount (or free ticket) process shown in FIG. 8, the VoIP terminal 297 for the affiliated store receives the message. The process of issuing a coupon to the regular customer through the discount (or free ticket) information. Specifically, when payment approval is requested to the bansa through the process shown in Figure 4, the merchant VoIP terminal ( In step 297, the customer wireless terminal information is input and transmitted to the bansa server 200 so that the coupon data corresponding to the discount (or free ticket) information is transmitted to the customer wireless terminal through the bansa server 200. It is a figure which shows the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods for the coupon issuance process for the merchant / bansa regular customer. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 11 illustrates that the discount (or free ticket) information is included in the full payment approval result and received by the VoIP terminal, the present invention is not limited thereto, and the discount (or It is evident that the free usage right information can be received by the VoIP terminal without being included in the full payment approval result.

Hereinafter, in FIG. 11, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 11, when the payment approval result including the discount (or free pass) information is received through the discount (or free pass) processing shown in FIG. 8, the full text of the payment approval result is received (1100). The payment processing history and the discount (or free ticket) information included in the full text of the result screen are printed and printed (1105).

Thereafter, the VoIP terminal reads the payment processing history included in the full payment approval result and confirms payment approval (1110).

If the payment approval is confirmed (1115), the VoIP terminal outputs a wireless terminal information input interface for inputting valid customer wireless terminal information of a regular customer to which the coupon data is to be transmitted, and through the wireless terminal information input interface. Check whether the customer wireless terminal information is input (1120).

If the customer wireless terminal information is input through the wireless terminal information input interface (1125), the VoIP terminal transmits the customer wireless terminal information to the bansa server 200 through the data communication channel (1130), Thereafter, the bansa server 200 performs a coupon corresponding to the discount (or free ticket) information to the customer wireless terminal through the same process as the coupon issuing process using the customer wireless terminal information received through the process illustrated in FIG. 5. Send the data.

12 is a view showing a discount (or free pass) processing process for merchants / Bansa regular customers according to another embodiment of the present invention.

In detail, FIG. 12 shows that when the coupon provider information corresponding to the card payment is confirmed through the bansa processing process shown in FIG. 6, the coupon provider information is read to determine whether the card payment customer is a regular customer of a merchant / bansa company. And confirm the number of transactions (or amount of transaction amount) for a certain period of time with respect to the regular customer, and the number of confirmed transactions (or amount of transaction amount) and the number of issued transaction details for issuing the coupon of the coupon issuer. (Or a transaction amount size) is a process for checking discount (or free usage rights) information corresponding to the transaction history number (or transaction amount size) and providing the same to the merchant VoIP terminal 297. Those skilled in the art may refer to and / or modify the drawing 12 to perform the merchant / bansa regular customer. (Or free usage rights) It is possible to infer various implementation methods for the processing process, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG. .

For example, although FIG. 12 illustrates the discount (or free ticket) information included in the full payment approval result and transmitted to the VoIP terminal, the present invention is not limited thereto, and the discount (or It is evident that the free usage right information may be transmitted to the VoIP terminal without being included in the full payment approval result.

Hereinafter, the merchant VoIP terminal 297 shown in FIG. 1 is referred to as " VoIP terminal "

Referring to FIG. 12, when the coupon provider information corresponding to the card payment is confirmed through the bansa processing process illustrated in FIG. 6, the bansa server 200 reads the coupon provider information and the coupon corresponding to the card payment. It is determined whether the provider is the merchant or bansa (1200).

If the coupon provider is not a merchant (or, if Bansa is a coupon provider) (1205), the bansa server 200 stores the payment processing details, including one or more card information and payment date and authorization number and the merchant number approved for payment. In connection with the transaction history D / B 265, the transaction history number (or transaction amount size) for a predetermined period including the card information included in the full payment approval request is checked (1210).

On the other hand, if the coupon provider is an affiliated store (1205), the bansa server 200 and the transaction history D / B (265) for storing the payment processing history, including one or more payment card information and the approval date information and the merchant number In operation 1215, the transaction history number (or transaction amount size) is checked for a predetermined period including the card information and the affiliate store number included in the full payment approval request.

Herein, the number of transaction details may include a number obtained by adding up the number of payment processing details approved for a predetermined period on the basis of the payment approval date included in the payment processing details, and the transaction amount size is the payment processing. It is preferable to include the sum of the payment approval amount for a certain period based on the payment approval date included in the details.

If the coupon issuance period information is further stored in the storage medium 267, the bansa server 200 checks whether the current date and time has passed the coupon issuance period, and the regular only if the coupon issuance period has not passed It is desirable to check the number of transactions (or amount of transaction amount) for a certain period of time for the customer.

Thereafter, the bansa server 200 compares the confirmed transaction history number (or transaction amount size) with the coupon issuer transaction history number (or transaction amount size) for issuing a coupon of the coupon issuer, and thus the transaction history number (or In operation 1220, the discount (or free pass) information corresponding to the transaction amount size) is confirmed.

According to the exemplary embodiment of the present invention, the transaction history number (or transaction amount size) may include one or more transaction history number (or transaction amount size) steps, and the bansa server 200 may include the transaction history number. It is preferable to check the discount (or free ticket) information corresponding to the specific transaction history number (or transaction amount size) during the (or transaction amount size) step.

According to another exemplary embodiment of the present invention, the bansa server 200 may calculate a predetermined proportional formula (or a discount (or free ticket) information calculation formula) (for example, a proportional formula designated by a coupon provider or a discount (or free ticket) information calculation formula). , Or a discount (or a free pass) that is proportional to the number of transactions (or amount of transaction amount) identified above in accordance with the proportional formula specified in accordance with the discount (or free pass) information calculation policy or the discount (or free pass) information calculation formula). It is possible to calculate the information, whereby the present invention is not limited.

If the transaction history number (or transaction amount size) is not confirmed through the regular customer verification unit 253, the bansa server 200 does not confirm the discount (or free ticket) information, or It is desirable to check the predetermined minimum discount (or free ticket) information.

In addition, the bansa server 200 checks whether the full payment approval result is received from the card company server 270 through the payment approval process shown in FIG. 7 (1225).

If the payment approval result message is received from the card company server 270 (1230), the VoIP terminal reads the payment processing details included in the payment approval result message and checks whether the card payment is approved (1235). .

If the card payment is not approved (1240), the bansa server 200 transmits the full text of the payment approval result to the VoIP terminal (1255).

On the other hand, if the card payment is approved (1240), the bansa server 200 stores the payment processing details in the transaction history D / B (265) in association with the card company information (1245), the VoIP terminal to the The payment approval result is transmitted in full (1250).

Thereafter, the VoIP terminal receives the payment approval result full text (1255), and outputs and prints the payment processing history included in the payment approval result full text (1260).

FIG. 13 is a view illustrating a coupon issuing process for a merchant / bansa regular customer through the bansa server 200 according to the embodiment of the present invention.

In more detail, in FIG. 13, when the discount (or free ticket) information is confirmed through the discount (or free ticket) processing shown in FIG. 12, and the payment approval result is transmitted to the merchant VoIP terminal 297, the full text is transmitted. The discount to the customer wireless terminal corresponding to the customer wireless terminal information received through the process shown in FIG. 5 or the customer wireless terminal information received through the process shown in FIG. Or free coupons) for generating and transmitting coupon data corresponding to the information. If the person of ordinary skill in the art belongs to the present invention, the merchant / Vansa regular can be referred to and / or modified with reference to FIG. Various implementation methods for the coupon issuance process for the customer may be inferred, but the present invention includes all the implementation methods inferred above. Only an exemplary method illustrated in FIG. 13 shall not be limited to that technical feature.

Referring to FIG. 13, when the discount (or free pass) information is confirmed through the discount (or free pass) process shown in FIG. 12, and the full payment approval result is transmitted to the merchant VoIP terminal 297, The bansa server 200 confirms customer wireless terminal information (eg, valid customer wireless terminal information of a regular customer to which coupon data is transmitted) received from the affiliated store VoIP terminal (1300).

Here, the customer wireless terminal information is preferably received by the bansa server 200 through the process shown in FIG. 5 or the process shown in FIG.

If the customer wireless terminal information is confirmed (1305), the bansa server 200 uses the discount (or free ticket) information and coupon design information confirmed through the discount (or free ticket) process shown in FIG. Generate coupon data including 1310.

If the coupon issuance date setting information is further stored in the storage medium 267, the bansa server 200 may generate coupon data further including coupon issuance date information set by the coupon issuance date setting information.

In addition, when coupon expiration date setting information is further stored in the storage medium 267, the bansa server 200 may generate coupon data further including coupon expiration date information set by the coupon expiration date setting information. desirable.

Thereafter, the bansa server 200 transmits the generated coupon data to the customer wireless terminal through a wireless communication network to which the customer wireless terminal is connected (1315).

According to an embodiment of the present invention, the bansa server 200 preferably transmits the generated coupon data to the customer wireless terminal through a message exchange protocol of a wireless communication network to which the customer wireless terminal is connected.

According to the present invention, in providing a coupon through a merchant VoIP terminal, the merchant owner directly produces a coupon to be issued to the merchant regular customer, and when the card payment of the customer meeting the regular customer conditions set by the merchant owner, the coupon is said By providing the merchants regular customers, there is an advantage of activating the offer of the coupon through the card payment, and actively encourage the use of the coupon.

According to the present invention, in providing a coupon through an affiliated store's VoIP terminal, when the merchant's share price coupon is skeptical, by providing the coupon issued by the bansa to the regular customers of the bansa through the merchant, the coupon of the merchant Regardless of whether it is provided, there is an advantage of activating the offer of the coupon through card payment and actively encouraging the use of the coupon.

Claims (9)

Outputting a coupon issuer selection interface for selecting a coupon issuer by selecting a coupon making button (or menu) provided in the merchant VoIP terminal; When the coupon issuer is selected as an affiliate through the coupon issuer selection interface, coupon design information to be issued by the affiliate store, one or more transaction history number (or transaction amount size) information for identifying a regular customer of the affiliate store, and the transaction history number ( Or outputting a coupon making interface for selecting (or entering) one or more discount (or free voucher) information for each transaction amount) and, if the coupon issuer is selected as a bansa, the coupon design information issued by bansa through the merchant Outputting a coupon making interface to select (or input); If the coupon issuer is an affiliated store, the coupon issuer information corresponding to the affiliated store, the affiliate store number, the coupon design information selected (or input) through the coupon production interface, the transaction history number (or transaction amount size) information, Send discount (or free ticket) information for each transaction number (or transaction amount size) to the Bansa server, and if the coupon issuer is Bansa, the coupon issuer information corresponding to the Bansa, the merchant number, and the coupon making interface Transmitting the selected (or input) coupon design information to the bansa server; And If the coupon issuer is a merchant, the coupon issuer information, merchant number, coupon design information, transaction history number (or transaction amount size) information, transaction history number (or transaction amount size) discount (or free ticket) If the coupon issuer is Bansa, the coupon issuer information, the merchant number, the coupon design information, and the transaction history number (or transaction amount size) are set for the regular customer confirmation. And storing the information in a storage medium in association with the discount (or free ticket) information for each transaction number (or transaction amount size). The method of claim 1, wherein the coupon production interface, The coupon providing method through a regular customer confirmation, characterized in that it further comprises a user interface for selecting (or input) at least one coupon issuance period information, coupon issuance date setting information, coupon expiration date setting information. The method of claim 1, Coupon providing method through a regular customer confirmation characterized in that it further comprises the step of transmitting the coupon issuance date setting information, coupon expiration date setting information to the Bansa server. Coupon issuer information corresponding to either merchant or bansa, merchant number, coupon design information, transaction history number (or transaction amount size) information for coupon issuer of the coupon issuer, transaction history number (or transaction amount) Storing the information on the storage medium in association with discount for each size); Upon approval of payment for the payment approval request message transmitted from the merchant VoIP terminal provided at the merchant, the card information and the merchant number included in the payment approved message are checked, and the storage medium corresponds to the merchant number in association with the storage medium. Confirming the coupon issuer information, the transaction history number (or transaction amount size) information for the coupon issuer's coupon issuance, and the discount (or free voucher) information for each transaction history number (or transaction amount size); When the coupon issuer information is confirmed to be an affiliated store, the card information and the affiliated store included in the preamble in association with a transaction history D / B which stores payment processing details including one or more approved payment card information, approval date information and the affiliate store number. Check the transaction number (or transaction amount size) for a certain period including a number, and if the coupon issuer information is confirmed as bansa, including the card information included in the full text in association with the transaction history D / B Checking the number of transactions (or amount of transaction amount) for a certain period of time; And The discount corresponding to the transaction history number (or transaction amount size) is compared by comparing the confirmed transaction history number (or transaction amount size) with the coupon issuer transaction history number (or transaction amount size) for coupon issuer. Or free voucher) information; the coupon providing method through the customer confirmation, characterized in that comprises a. The method of claim 4, wherein The method of claim 1, further comprising the step of transmitting the confirmed discount (or free usage rights) information to the merchant VoIP terminal. The method of claim 4, wherein Generating coupon data including the coupon design information and discount (or free coupon) information; And Transmitting the generated coupon data to the merchant VoIP terminal; Coupon providing method through the customer confirmation, characterized in that further comprises. The method of claim 4, wherein Generating coupon data including the coupon design information and discount (or free coupon) information; And Transmitting the generated coupon data to a customer wireless terminal; Coupon providing method through a regular customer confirmation, characterized in that further comprises. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Coupon issuer information corresponding to either merchant or bansa, merchant number, coupon design information, transaction history number (or transaction amount size) information for coupon issuer of the coupon issuer, transaction history number (or transaction amount) A storage medium for storing discount (or free pass) information for each size); Upon approval of payment for the payment approval request message transmitted from the merchant VoIP terminal provided at the merchant, the card information and the merchant number included in the payment approved message are checked, and the storage medium corresponds to the merchant number in association with the storage medium. Coupon issuer identification means for checking coupon issuer information, transaction history number (or transaction amount size) information, and discount (or free ticket) information for each transaction history number (or transaction amount size) for issuing the coupon of the coupon issuer; When the coupon issuer information is confirmed as an affiliated store, the card information included in the preamble in connection with transaction details D / B which stores payment processing details including payment approval information and one or more card information and approval date and time and the merchant number and Check the transaction history number (or transaction amount size) for a certain period including a merchant number, and if the coupon issuer information is confirmed as bansa, includes the card information included in the full text in association with the transaction history D / B Regular customer confirmation means for confirming the number of transactions (or the amount of transaction amount) for a certain period of time; The discount corresponding to the transaction history number (or transaction amount size) is compared by comparing the confirmed transaction history number (or transaction amount size) with the coupon issuer transaction history number (or transaction amount size) for coupon issuer. Or free coupon) information confirmation means for confirming the information; coupon providing system through the customer confirmation, characterized in that it comprises a.

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