KR20100135029A

KR20100135029A - Conversion system and conversion method for electronic gift certificate using electronic money

Info

Publication number: KR20100135029A
Application number: KR1020090053457A
Authority: KR
Inventors: 김종호
Original assignee: 에스케이 텔레콤주식회사
Priority date: 2009-06-16
Filing date: 2009-06-16
Publication date: 2010-12-24

Abstract

Disclosed are an electronic gift certificate conversion system using electronic money and an electronic gift certificate conversion method using electronic money, which allow a user to conveniently convert and use their own electronic money into a desired electronic gift certificate. The electronic voucher conversion system of the present invention, when the user terminal requests to convert the electronic money stored therein into electronic vouchers of a predetermined amount, the electronic money service center in response to the request for conversion to the electronic voucher received from the user terminal Determines whether the electronic money payment of the user terminal corresponding to the amount of the electronic gift certificate is requested, and if the electronic money payment is possible, request issuance of the electronic gift certificate to the corresponding electronic gift certificate issuing server according to the conversion request; And an electronic voucher issuing server receiving the electronic voucher issuing request and issuing an electronic voucher of the corresponding amount processed according to the electronic voucher issuing request.

Description

Electronic Gift Certificate Conversion System and Shopping Electronic Gift Certificate Conversion Method using Electronic Money {CONVERSION SYSTEM AND CONVERSION METHOD FOR ELECTRONIC GIFT CERTIFICATE USING ELECTRONIC MONEY}

The present invention relates to an electronic gift certificate conversion system, and more particularly, the electronic gift certificate conversion system and shopping using the electronic money to enable the user to conveniently convert the electronic money owned by the user at any time to the desired electronic gift certificate. The present invention relates to an electronic gift certificate conversion method, an electronic money service center and an electronic money service conversion method.

Electronic money is a virtual currency that has a constant currency value that is paid by the issuer and is provided by the issuer. It is relatively low risk of counterfeiting or tampering, safe in case of theft or loss, and convenient for making small payments. .

On the other hand, in recent years, as the use of electronic money has become widespread, electronic gift certificates similar to offline gift certificates have emerged. Such an electronic gift certificate is a gift certificate having a monetary value corresponding to a certain amount of money, and the buyer purchases the electronic gift certificate by paying a certain amount online or offline, and then presents it to a person who wants to present the electronic gift certificate or by using a certain amount of money. The monetary value equivalent to

As such, users of electronic money and electronic gift certificates are gradually increasing. However, electronic money is mainly used for electronic payments online, and most offline stores (fast food restaurants, restaurants, coffee shops, etc.) support electronic gift certificates and generally do not support electronic money.

Therefore, the current electronic money service is impossible to use the electronic money, even if the user with the electronic money does not have cash in the offline store, even if they have enough electronic money corresponding to the actual financial value, It may cause inconvenience in purchasing activities, such as having to withdraw cash, and as a result, a situation that may be a big obstacle to increasing the spread and popularization of electronic money.

The present invention has been made in view of the above circumstances, and an object of the present invention is to obtain the electronic device received from the user terminal when the user terminal requests to convert a pre-stored electronic money into an electronic voucher of a predetermined amount. In accordance with the request for conversion to a gift certificate, the electronic money service center determines whether the electronic money payment of the user terminal corresponding to the amount of the requested electronic gift certificate is possible, and if the electronic money payment is possible, the corresponding electronic gift certificate according to the conversion request. The electronic voucher is converted to electronic vouchers by requesting issuance of the electronic voucher to the issuing server, and the electronic voucher issuing server receiving the request for issuing the electronic voucher issuing the electronic voucher of the corresponding amount processed according to the electronic voucher issuing request. System and shopping electronic voucher conversion method, so that This holds at any time by electronic money conveniently converted into the desired electronic gift certificate is to be able to use their e-voucher.

The present invention was created in view of the above circumstances, and another object of the present invention is to settle / manage balance information on electronic money held by each user terminal, and to set a predetermined amount of electronic gift certificates from a user terminal. When the conversion request is received, if the electronic money payment is possible by determining whether the electronic money payment corresponding to the amount of the electronic gift certificate requested is based on the balance information of the corresponding user terminal according to the conversion request. According to the e-voucher issuing server according to the e-money service center and the e-money service center that provides the e-money voucher issuing request to request the issuance of the e-gift voucher, the user at any time Conveniently convert to the desired voucher and use the voucher To make it possible.

Electronic voucher conversion system using an electronic money according to a first aspect of the present invention for achieving the above object is a user terminal for requesting to convert the electronic money stored in the electronic money voucher for a predetermined amount; At least one electronic voucher issuing server for issuing an electronic voucher of a corresponding amount processed according to an electronic voucher issuing request from the outside; And issuing the electronic voucher to the electronic voucher issuing server according to whether the user can settle the electronic money corresponding to the requested amount of the electronic voucher in response to the request for conversion to the electronic voucher received from the user terminal. Include the requesting electronic money service center.

Preferably, the at least one electronic voucher issuing server, when issuance of a predetermined amount of electronic vouchers from the electronic money service center, the electronic voucher is requested to pay the amount corresponding to the amount of payment if the payment processing The electronic gift certificate may be issued to the electronic money service center or the user terminal.

Preferably, the request for conversion from the user terminal to the electronic voucher, the terminal identification information of the user terminal, the gift certificate type information of the electronic voucher to be converted, the electronic voucher amount information, the electronic money stored in the user terminal It may include at least one of the balance information.

Electronic money service center according to a second aspect of the present invention for achieving the above object is a settlement / management unit for calculating / managing the balance information for the electronic money held for each user terminal; And when a request for conversion from the predetermined user terminal to the electronic voucher of a predetermined amount using electronic money is received, corresponding to the requested amount of the electronic voucher based on the balance information of the electronic money corresponding to the user terminal according to the conversion request. If the electronic money payment is possible to include a service provider for requesting the issuance of the electronic gift certificate to the electronic gift certificate issuing server.

Preferably, the service provider, in response to the electronic voucher issuance request, the electronic voucher is issued from the electronic voucher issuing server, if the payment corresponding to the amount of money is requested from the electronic voucher issuing server; A gift certificate can be provided to the user terminal.

Preferably, the amount of money conversion information that is applied to convert the electronic money into the corresponding electronic gift certificate for at least one different electronic gift certificate type, and stores the amount corresponding to the electronic gift certificate type according to the conversion request received from the user terminal The apparatus may further include a conversion amount calculator configured to calculate an electronic money amount corresponding to the amount of the requested electronic gift certificate based on the conversion information.

Preferably, the service provider, based on the balance information of the electronic money corresponding to the user terminal in response to the conversion request, corresponding to the electronic money amount calculated in the conversion amount calculator corresponding to the amount of the electronic gift certificate It is possible to determine whether the electronic money settlement is possible.

Electronic voucher conversion system using an electronic money according to a third aspect of the present invention for achieving the above object is a user terminal for requesting to convert the electronic money stored therein into electronic vouchers of a predetermined amount; An electronic money service center that processes payment when the electronic money payment of the corresponding user terminal is possible in accordance with a payment request corresponding to a predetermined amount received from the outside; And in response to the request for conversion to the electronic gift certificate received from the user terminal, request the electronic money service center for electronic money payment of the user terminal corresponding to the requested amount of the electronic gift certificate, and correspondingly the electronic money. If the payment is processed in the service center includes an electronic voucher issuing server for issuing the electronic voucher according to the conversion request and provide to the user terminal.

According to a fourth aspect of the present invention, there is provided a method for converting an electronic gift certificate using electronic money, comprising: a conversion request step of requesting, by a user terminal, to convert electronic money stored therein into an electronic gift certificate of a predetermined amount; Determining, by the electronic money service center, whether the electronic money can be settled by the electronic money service center in accordance with the request for conversion to the electronic gift certificate received from the user terminal; Requesting issuance of the electronic gift certificate to the electronic gift certificate issuing server according to the conversion request, if the electronic money settlement is possible; And an electronic voucher issuing server receiving the electronic voucher issuing request and issuing an electronic voucher of a corresponding amount processed according to the electronic voucher issuing request.

Preferably, the step of issuing an electronic gift certificate by the electronic voucher issuing server, when the electronic money voucher issuance request is received from the electronic money service center, requests the electronic money service center for payment corresponding to the amount of the electronic voucher. And when the payment is processed at the electronic money service center, issuing the electronic gift certificate of the corresponding amount to the electronic money service center or the user terminal.

Preferably. The request for conversion from the user terminal to the electronic voucher includes information on the terminal identification information of the user terminal, the gift certificate type information of the electronic voucher to be converted, the electronic voucher value information, and the electronic money balance information stored in the user terminal. It includes at least one.

According to a fifth aspect of the present invention, there is provided a method for converting an electronic gift certificate of an electronic money service center, comprising: calculating / managing a balance liquid crystal report for electronic money held by each user terminal; When a request for conversion of a predetermined amount of electronic vouchers from a user terminal is received, it is determined whether the electronic money payment corresponding to the amount of the electronic voucher requested is based on the electronic money balance information of the user terminal according to the conversion request. Making; And providing an electronic voucher issuing request requesting the issuance of the electronic voucher to the corresponding electronic voucher issuing server according to the conversion request if electronic money settlement is possible.

Preferably, in response to the electronic voucher issuance request, if the payment corresponding to the amount of money in the electronic voucher is requested from the electronic voucher issuing server; And providing the electronic voucher issued from the electronic voucher issuing server to the user terminal.

Preferably, pre-store the amount of money conversion information that is applied to convert the electronic money into a corresponding electronic voucher for at least one different electronic voucher type; And converting the electronic money amount corresponding to the amount of the requested electronic gift certificate based on the amount conversion information corresponding to the electronic gift certificate type according to the conversion request when receiving a request for conversion of the electronic gift certificate of a predetermined amount from the user terminal. It further comprises the step of calculating.

Preferably, the step of determining whether the electronic money payment is possible, corresponding to the electronic money amount calculated corresponding to the amount of the electronic gift certificate requested based on the electronic money balance information of the user terminal in accordance with the conversion request It is possible to determine whether the electronic money settlement is possible.

According to a sixth aspect of the present invention, there is provided a method for converting an electronic gift certificate using electronic money, comprising: requesting a user terminal to convert electronic money stored therein into an electronic gift certificate of a predetermined amount; In response to a request for conversion to the electronic gift certificate received from the user terminal, requesting the electronic money service center for electronic money payment of the user terminal corresponding to the amount of the electronic gift certificate requested by the electronic gift certificate issuing server; In response to the electronic money payment request received from the electronic gift voucher issuing server, when the electronic money service center makes electronic money payment of the corresponding user terminal for the amount; And when the payment is processed in the electronic money service center, issuing the electronic gift certificate according to the conversion request and providing it to the user terminal.

Therefore, according to the electronic voucher conversion system and shopping electronic voucher conversion method using the electronic money of the present invention, the electronic money service in response to a request for conversion of the user terminal to convert the electronic money held in the electronic money voucher of a predetermined amount Through the linkage between the center and the electronic voucher issuing server, the electronic money payment processing and the electronic voucher issuance of the user terminal are performed, and the electronic voucher can be provided to the user terminal.

Therefore, according to the electronic voucher conversion system and shopping electronic voucher conversion method using the electronic money of the present invention, since the user of the user terminal can conveniently convert the electronic money held by the user to any desired electronic voucher at any time to receive / store, Even in offline stores that do not support self-currency, electronic vouchers can be used to realize purchasing activities without inconvenience.

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention.

1 illustrates an electronic gift certificate conversion system using electronic money according to a first embodiment of the present invention.

As shown in FIG. 1, the electronic voucher conversion system according to the present invention includes a user terminal 10 requesting to convert an electronic money stored therein into an electronic voucher of a predetermined amount and an electronic voucher issuing request from the outside. At least one electronic voucher issuing server (100,200 ...) for issuing the electronic voucher of the corresponding amount processed according to the payment, and the electronic voucher requested according to the conversion request to the electronic voucher received from the user terminal (10). Electronic money service center 500 for requesting issuance of the electronic gift certificate to the electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)) according to whether or not the electronic money settlement of the user terminal 10 corresponding to the amount of money (500). ).

Here, the network 1 is an interworking network supporting each of the user terminal 10 and at least one electronic voucher issuing server (100, 200 ...) and the electronic money service center 500 to communicate with each other. It may include various communication networks such as wireless LAN network, wireless internet network, portable internet network (eg, WiBro network), mobile communication network, and wired communication network.

In this case, the user terminal 10 may be in any form as long as the user terminal 10 is connected to the electronic money service center 500 through the network 1 so as to request to convert the electronic money into an electronic gift certificate of a predetermined amount. The user terminal 10 is preferably equipped with an electronic money card (15) for storing electronic money.

Herein, the electronic money card 15 may be a user identification card such as a subscriber identification module (SIM) card and a universal subscriber identification module (USIM) in the form of a smart card.

Accordingly, the user terminal 10 may access the electronic money service center 500 through the network 1 and request to convert the electronic money into an electronic gift certificate of a predetermined amount.

Here, the request for the user terminal 10 to convert the electronic money provided to the electronic money service center 500 into an electronic gift certificate of a predetermined amount, the terminal identification information of the user terminal 10, and the gift certificate of the electronic gift certificate to be converted It may include at least one of the type information, electronic voucher amount information, and electronic money balance information stored in the user terminal (10).

Here, the terminal identification information of the user terminal 10 is specific information indicating the corresponding user terminal 10 that is the target of electronic money payment according to the conversion request to the electronic voucher may be a phone number or electronic money card information.

At least one electronic voucher issuing server (100,200 ...) is a server for issuing electronic vouchers serviced by the electronic voucher, when the electronic voucher issuance request from the electronic money service center 500 is received accordingly Issue it. That is, the electronic voucher issuing server A (100) may issue an electronic voucher A serviced by the amount of money, and the electronic voucher issuing server B (200) may issue the electronic voucher B serviced by the amount of money. . The electronic voucher issuing server A (100) of the at least one electronic voucher issuing server (100, 200 ...) will be described with reference to.

If the electronic voucher issuing server A (100) is requested to issue a predetermined amount of electronic voucher from the electronic money service center (500) through the network (1), the electronic money service center (PWM) may make a payment corresponding to the amount of the requested electronic voucher ( 500). Therefore, when the payment processing is made according to the payment request in the electronic money service center 500, the electronic gift certificate issuing server A (100) issues an electronic gift certificate of the requested amount and provides it to the electronic money service center (500).

At this time, when the terminal identification information of the user terminal 10 is provided when the electronic money service center 500 is issued a predetermined amount of money is issued, the electronic voucher issuing server A (100) of the payment amount The electronic voucher may be issued and provided to the corresponding user terminal 10. Here, when providing the electronic voucher issued by the electronic voucher issuing server A (100) to the user terminal 10, the electronic voucher issuing server A (100) is a user terminal 10 to provide an electronic voucher in the form of SMS or MMS or email It would be desirable to provide.

When the electronic money service center 500 receives a request for conversion to an electronic gift certificate using electronic money from the user terminal 10 connected through the network 1, the electronic gift certificate issuing server (eg, electronic gift certificate issuance) is received accordingly. The server A 100 requests the issuance of the electronic gift certificate. When the electronic gift certificate issued from the electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)) is received, the electronic gift certificate is provided to the user terminal 10.

Hereinafter, with reference to Figure 2 will be described a specific configuration of the above-described electronic money service center 500 according to the first embodiment of the present invention.

As shown in FIG. 2, the electronic money service center 500 of the present invention includes a settlement / management unit 510 for calculating / managing balance information on electronic money held for each user terminal, and a predetermined user terminal ( For example, when a request for conversion from the user terminal 10 to an electronic gift certificate of a predetermined amount using electronic money is received, the electronic gift certificate requested based on the electronic money balance information of the user terminal 10 according to the conversion request. When the electronic money payment corresponding to the amount is possible, the electronic gift voucher issuing server (for example, electronic voucher issuing server A (100)) includes a service provider 520 for requesting the issuance of the electronic voucher.

The settlement / management unit 510 stores balance information on electronic money held by the corresponding user terminal in response to each user terminal managed by the electronic money service center 500, and controls the service provider 520. The electronic money balance information of the predetermined user terminal is increased or subtracted according to the settlement and management.

When the service providing unit 520 receives a request for converting the electronic gift certificate of a predetermined amount using the electronic money from the user terminal 10, the service provider 520 determines whether the electronic money payment corresponding to the amount of the electronic gift certificate according to the conversion request is possible. To judge.

Specifically, when the service provider 520 receives a request for conversion from the user terminal 10 connected through the network 1 to the electronic voucher for a predetermined amount using electronic money, the user terminal according to the conversion request. The electronic money balance is identified through the balance information of the electronic money corresponding to (10).

That is, the service provider 520 may include a terminal identification information of the user terminal 10 received from the user terminal 10, a gift certificate type information of the electronic gift certificate to be converted, and an electronic gift certificate amount information. Based on the electronic money balance information corresponding to the user terminal 10 that is the target of electronic money payment, the settlement / management unit 510 may be inquired to determine the electronic money balance information of the corresponding user terminal 10.

Here, when the user terminal 10 has made an offline payment using the stored electronic money, the balance information of the electronic money remaining in the user terminal 10 is the balance of the user terminal 10 managed by the settlement / management unit 510. It may not match information in real time.

Therefore, preferably, when the service provider 520 grasps the electronic money balance information of the corresponding user terminal 10, the service provider 520 uses the electronic money from the user terminal 10 for a predetermined amount. When the conversion request is received, the user terminal subject to the electronic money payment is based on the terminal identification information of the user terminal 10, the gift certificate type information of the electronic gift certificate to be converted, and the conversion request including the electronic gift certificate amount information. It is preferable to provide a balance confirmation request to the user terminal 10 to confirm the actual balance information of the electronic money held in (10) by receiving a reply from the user terminal 10 accordingly.

Or the electronic money balance stored in the user terminal 10 as well as the terminal identification information of the user terminal 10, the gift certificate type information of the electronic gift certificate to be converted and the electronic gift certificate amount information as well as the conversion request received from the user terminal 10. If the information is included, the service provider 520 may grasp the electronic money balance information of the user terminal 10 by extracting / recognizing the electronic money balance information stored in the user terminal 10 from the conversion request.

Accordingly, after the service provider 520 grasps the balance through the electronic money balance information corresponding to the user terminal 10, whether the electronic money balance of the user terminal 10 is greater than or equal to the amount of the electronic gift certificate according to the conversion request. By determining whether or not, it is possible to determine whether the electronic money payment corresponding to the amount of the electronic gift certificate is possible.

As a result, when the electronic money settlement is possible, the service provider 520 requests the issuance of the electronic gift certificate to the electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)). That is, the service provider 520 recognizes an electronic gift certificate generating server (eg, electronic gift certificate issuing server A (100)) that issues the electronic gift certificate based on the gift certificate type information of the electronic gift certificate included in the conversion request. The electronic voucher issuing server A (100) may request issuance of the electronic voucher of the corresponding amount according to the electronic voucher amount information.

Accordingly, when a payment corresponding to the amount of the electronic gift certificate is requested from the electronic gift certificate issuing server A 100 in response to the electronic voucher issuing request, the service provider 520 processes the payment corresponding to the amount of the electronic gift certificate.

Referring to the example of the payment processing performed by the service provider 520, the service provider 520, in accordance with the payment request from the electronic voucher issuing server A (100), the electronic money payment to the user terminal (10). By requesting approval, you can reply with an approval confirmation for payment approval. That is, the service provider 520 requests the approval of the electronic money by providing an electronic money settlement approval message indicating the type of electronic gift certificate and the amount of the electronic gift certificate and asking whether to approve payment of the electronic money. The approval confirmation can be returned.

When the approval confirmation is returned, the service provider 520 subtracts the electronic money balance information corresponding to the user terminal 10 that is the target of electronic money payment from the settlement / management unit 510 corresponding to the electronic gift certificate amount. The real money managed in correspondence with the user terminal 10 is provided to the electronic voucher issuing server A (100) corresponding to the amount of the electronic voucher, and the user terminal that is subject to the electronic money settlement signal of the electronic money reduction signal corresponding to the amount of the electronic voucher ( 10) may be provided.

As described above, if the service provider 520 normally processes the payment according to the payment request from the electronic gift certificate issuing server A 100, the electronic gift certificate issuing server A 100 will issue the requested electronic gift certificate.

Therefore, the service provider 520, when the electronic voucher issued from the electronic voucher issuing server A (100) is received, provides the electronic voucher to the user terminal (10). In this case, the electronic gift certificate provided to the user terminal 10 by the service provider 520 is preferably in the form of SMS, MMS or email.

Accordingly, the user terminal 10 that has requested to convert its electronic money into an electronic voucher of a predetermined amount may receive an electronic voucher corresponding to the conversion request, and may realize various purchasing activities using the received electronic voucher. will be.

Here, the user terminal 10 that has requested to convert the electronic money held by the electronic money into a predetermined amount of electronic vouchers corresponds to the amount of the electronic voucher at the same time as the conversion request from the electronic money stored in the mounted electronic money card 15. Deducting electronic money by itself or deducting the electronic money corresponding to the amount of the electronic gift certificate upon receiving the electronic money deduction signal from the electronic money service center 500, or when receiving and storing the electronic gift certificate, Electronic money can be deducted through various methods, such as deducting electronic money corresponding to an amount.

On the other hand, if the electronic voucher service purchases electronic voucher A worth 50,000 won online, the electronic voucher A equivalent to 50,000 won for an amount less than 50,000 won (for example, 45,000 won) by applying a discount rate to the buyer There is a case where a discount service is provided to enable the purchase of a. Accordingly, the electronic gift certificate conversion system using the electronic money according to the present invention also corresponds to an online purchase, as shown in Figure 2, the electronic money service center 500 of the present invention, the conversion amount calculation unit 530 further It may include.

The conversion amount calculator 530 stores the amount conversion information applied to convert the electronic money into the electronic gift certificate according to at least one different electronic gift certificate type (electronic gift certificate A, electronic gift certificate B ...). That is, the amount conversion information is information that is set in advance to calculate the electronic money corresponding to the amount of the electronic gift certificate requested for conversion by reflecting the discount rate applied when making an online purchase for each electronic gift certificate issuing server (100,200 ...). .

When the conversion amount calculation unit 530 receives a conversion request from the user terminal 10 to the electronic voucher of a predetermined amount using electronic money, the conversion amount calculation unit 530 applies the amount conversion information corresponding to the corresponding electronic voucher type according to the conversion request. The electronic money amount corresponding to the amount information of the requested electronic gift certificate is calculated on the basis.

Accordingly, when the service provider 520 determines whether the electronic money payment corresponding to the amount of the electronic gift certificate is possible, the electronic money balance corresponding to the user terminal 10 corresponds to the amount of the electronic gift certificate. It is possible to determine whether the electronic money settlement is possible by determining whether or not the electronic money amount calculated at 530.

In addition, the service provider 520 receives the payment request from the electronic voucher issuing server A (100) when the payment processing, the electronic money amount calculated by the conversion amount calculation unit 530 corresponding to the amount of the electronic voucher Payment processing on the basis of

That is, for example, the service provider 520 represents the type of the electronic gift certificate and the electronic money amount calculated by the conversion amount calculator 530 according to the payment request from the electronic gift certificate issuing server A 100. By providing the electronic money settlement approval message asking whether to approve the payment to the user terminal 10, the electronic money settlement request may be requested and the approval confirmation may be returned.

When the approval confirmation is returned, the service providing unit 520 calculates the electronic money balance information corresponding to the corresponding user terminal 10 that is the target of electronic money settlement in the settlement / calculation unit 510 in the conversion amount calculator 530. The amount corresponding to the electronic money amount is deducted and provided to the electronic gift certificate issuing server A (100) corresponding to the electronic money amount calculated by the conversion amount calculator 530. In addition, the electronic money reduction signal corresponding to the electronic money amount calculated by the conversion amount calculator 530 may be provided to the user terminal 10 that is subject to electronic money settlement.

As described above, according to the electronic gift certificate conversion system using the electronic money according to the first embodiment of the present invention, the conversion of the user terminal 10 to convert the electronic money owned by the electronic money voucher of a predetermined amount In response to the request, the electronic money service center 500 performs an electronic gift certificate issuance request and payment processing in association with the corresponding electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)). 10) can be provided.

Accordingly, according to the electronic gift certificate conversion system using the electronic money according to the first embodiment of the present invention, the user of the user terminal 10 can conveniently convert the electronic money held by the user to the desired electronic gift certificate at any time to receive / store Therefore, even in an offline store that does not support electronic money, purchase activities can be realized using electronic gift certificates without inconvenience.

Meanwhile, the electronic voucher conversion system using electronic money according to the second preferred embodiment of the present invention will be described below with reference to FIG. 3.

As shown in FIG. 3, the electronic voucher conversion system using the electronic money according to the second embodiment of the present invention includes: a user terminal 10 requesting to convert electronic money stored therein into electronic vouchers of a predetermined amount; In response to a payment request corresponding to a predetermined amount received from the outside, if the electronic money payment of the corresponding user terminal 10 is possible, the electronic money service center 700 for payment processing and the user terminal 10 received In response to the conversion request to the electronic gift certificate, the electronic money service center 700 requests the electronic money service of the user terminal 10 corresponding to the requested amount of the electronic gift certificate, and correspondingly the electronic money service center 700 When the payment is processed in the) includes an electronic voucher issuance 600 for issuing the electronic voucher according to the conversion request to provide to the user terminal (10).

Here, since the user terminal 10 equipped with the network 1 and the electronic money card 15 has the same configuration as in the above-described first embodiment, the same reference numerals are referred to, and detailed description thereof will be omitted.

The electronic voucher issuing server 600 is a server for issuing electronic vouchers serviced by the amount of money, and when a request for conversion from the user terminal 10 to an electronic voucher using electronic money is received, the electronic voucher requested accordingly The electronic money payment request of the user terminal 10 corresponding to the amount of the electronic money service center 700 is requested. Here, the request for the user terminal 10 to convert the electronic money provided to the electronic voucher issuing server 600 into an electronic voucher of a predetermined amount, the terminal identification information of the user terminal 10, the type information of the held electronic money and It may include at least one of electronic gift certificate amount information, electronic money balance information stored in the user terminal (10).

That is, when the electronic voucher issuing server 600 receives a conversion request from the user terminal 10 connected through the network 1 to the electronic voucher of a predetermined amount using electronic money, the electronic money included in the conversion request is received. The electronic money service center 700 based on the type information of may request a payment for the amount of the electronic gift certificate according to the conversion request. The payment request from the electronic voucher issuing server 600 may include at least one of terminal identification information and price information of the user terminal 10 and electronic money balance information of the user terminal 10.

Thus, when the payment processing is made in accordance with the payment request in the electronic money service center 500, the electronic gift certificate issuing server 600 issues an electronic voucher of the requested amount and provides it to the user terminal (10). Here, the electronic gift certificate provided to the user terminal 10 in the electronic money service center 500 may be provided in the form of SMS, MMS or email.

The electronic money service center 700, when a payment corresponding to a predetermined amount is requested from the electronic gift voucher issuing server 600, the electronic money payment of the corresponding user terminal 10 for the corresponding amount in accordance with the payment request is possible to make a payment Process.

That is, the electronic money service center 700, when a payment corresponding to a predetermined amount is requested from the electronic gift certificate issuing server 600, the electronic money payment of the user terminal 10 for the corresponding amount based on the payment request is possible? Judge. Thus, when electronic money payment is possible, the electronic money service center 700 processes the payment according to the payment request.

Referring to an example of the payment processing performed by the electronic money service center 700, the electronic money service center 700, according to the payment request from the electronic voucher issuing server 600, the electronic money to the user terminal (10) By requesting payment approval, an approval confirmation for payment approval can be returned. That is, the electronic money service center 700 provides the electronic money settlement approval message to the user terminal 10 indicating the type of electronic gift certificate and the amount of the electronic gift certificate and asking whether to approve payment of electronic money. You can request a reply confirmation.

When the approval confirmation is returned, the electronic money service center 700 allows the electronic money balance information corresponding to the user terminal 10 to be subtracted in accordance with the requested amount of payment and managed in response to the user terminal 10. The real money is provided to the electronic voucher issuing server 600 corresponding to the requested amount of payment, and the electronic money reduction signal corresponding to the requested amount of payment may be provided to the user terminal 10 subject to the electronic money payment.

As described above, when the electronic money service center 700 processes the payment normally in accordance with the payment request from the electronic gift certificate issuing server 600, the electronic gift certificate issuing server 600 issues the requested electronic gift certificate to the user terminal ( 10) will provide as.

As described above, according to the electronic gift certificate conversion system using the electronic money according to the second embodiment of the present invention, the conversion of the user terminal 10 to convert the electronic money held in the electronic money voucher of a predetermined amount Upon request, the electronic voucher issuing server 600 may provide the electronic voucher issued to the user terminal 10 by performing the electronic money payment processing of the corresponding user terminal 10 in association with the electronic money service center 700. Can be.

Accordingly, according to the electronic gift certificate conversion system using the electronic money according to the second embodiment of the present invention, the user of the user terminal 10 can easily convert the electronic money held by the user to any desired electronic gift certificate at any time to receive / store Therefore, even in an offline store that does not support electronic money, purchase activities can be realized using electronic gift certificates without inconvenience.

Hereinafter, the control flow of the electronic gift certificate conversion method using the electronic money according to the first embodiment of the present invention configured as described above will be described with reference to FIGS. 4 to 6. Here, for the convenience of description, the configuration shown in FIGS. 1 and 2 described above will be described with reference to the corresponding reference numerals.

First, the user terminal 10 accesses the electronic money service center 500 through the network 1 and requests the electronic money to be converted into an electronic gift certificate of a predetermined amount (S10). Here, the request for the user terminal 10 to convert the electronic money provided to the electronic money service center 500 into an electronic gift certificate of a predetermined amount, the terminal identification information of the user terminal 10, and the gift certificate of the electronic gift certificate to be converted It may include at least one of the type information, electronic voucher amount information, and electronic money balance information stored in the user terminal (10).

The electronic money service center 500 receiving the request for conversion from the user terminal 10 to the electronic gift certificate using electronic money, the electronic money of the user terminal 10 corresponding to the amount of the electronic gift certificate based on the conversion request. It is determined whether payment is possible (S20).

If the electronic money settlement is possible, the electronic money service center 500 requests the issuance of the electronic gift certificate to the corresponding electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)) based on the conversion request (S40). On the other hand, if the electronic money payment is impossible, the electronic money service center 500 may notify the user terminal 10 that payment is impossible (S30).

The electronic voucher issuing server A 100 receiving the electronic voucher issuing request through step S40 requests the electronic money service center 500 for payment corresponding to the amount of the requested electronic voucher (S50).

Accordingly, in response to the payment request from the electronic voucher issuing server A (100), the electronic money service center 500 processes the payment corresponding to the amount of money in the electronic voucher (S60) and the processing result is returned to the electronic voucher issuing server A (100). Provided by (S65).

As such, when the payment processing is made according to the payment request in the electronic money service center 500, the electronic gift certificate issuing server A (100) issues an electronic gift certificate of the requested amount (S70) to the electronic money service center (500). Provided (S80).

The electronic money service center 500 provides the electronic gift certificate received from the electronic gift certificate issuing server A 100 to the corresponding user terminal 10 according to the request for issuing the electronic gift certificate (S85). At this time, the electronic gift card provided by the electronic money service center 500 to the user terminal 10 is preferably in the form of SMS or MMS or email.

On the other hand, the electronic voucher issuing server A (100) in step S70 does not provide the electronic voucher issued to the electronic money service center 500, as in step S80, it provides the issued electronic voucher to the user terminal (10). It may be possible (S100).

Accordingly, the user terminal 10 that has requested to convert its electronic money into an electronic voucher of a predetermined amount receives and stores the electronic voucher corresponding to the conversion request (S90), and the user of the user terminal 10 receives the electronic voucher. Various purchasing activities can be realized by using.

In addition, the user terminal 10 may deduct the electronic money corresponding to the amount of the electronic gift certificate at the same time as the conversion request from the electronic money stored in the mounted electronic money card 15, or the electronic money service center 500. When receiving the electronic money deduction signal from the electronic money, the electronic money corresponding to the amount of the electronic gift certificate is deducted, or when the electronic gift certificate is received and stored, the electronic money corresponding to the amount of the electronic gift certificate is deducted by itself. You can subtract money.

Hereinafter, referring to FIG. 5, the electronic money conversion method of the electronic money service center 500 according to the first embodiment of the present invention will be described.

First, the electronic money conversion method of the electronic money service center 500 corresponds to each user terminal managed by the electronic money service center 500 by storing balance information on electronic money held by the corresponding user terminal. / Manage (S110).

Then, the electronic money conversion method of the electronic money service center 500 determines whether a request for conversion from the user terminal 10 to the electronic gift certificate of a predetermined amount using electronic money is received (S120). Accordingly, when a request for conversion of the electronic gift certificate of a predetermined amount using electronic money is received from the user terminal 10 connected through the network 1, the electronic money conversion method of the electronic money service center 500 is applied to the conversion request. Accordingly, the electronic money balance information of the user terminal 10 is checked to check the balance (S130).

That is, the electronic money conversion method of the electronic money service center 500 includes terminal identification information of the user terminal 10 received from the user terminal 10, gift certificate type information of the electronic gift certificate to be converted, and electronic gift certificate amount information. Based on the conversion request, the electronic money balance information corresponding to the user terminal 10 that is the target of electronic money payment is searched in the electronic money balance information of the user terminals previously stored / managed, and the electronic money of the corresponding user terminal 10 is searched. You can get balance information.

In this case, when the user terminal 10 pays offline using the stored electronic money, the balance information of the electronic money remaining in the user terminal 10 is managed by the electronic money service center 500. This may not match the balance information in real time.

Therefore, preferably, in grasping the electronic money balance information of the user terminal 10, the electronic money conversion method of the electronic money service center 500 converts a predetermined amount of electronic gift certificates from the user terminal 10 using electronic money. When the request is received, the user terminal 10 subject to electronic money payment based on the conversion request including the terminal identification information of the user terminal 10, the gift certificate type information of the electronic gift certificate to be converted, and the electronic gift certificate amount information. It is desirable to provide a balance check request for checking the actual balance information of the electronic money held in the user terminal 10 so that the remaining balance information is returned from the user terminal 10 to be grasped.

Or the electronic money balance stored in the user terminal 10 as well as the terminal identification information of the user terminal 10, the gift certificate type information of the electronic gift certificate to be converted and the electronic gift certificate amount information as well as the conversion request received from the user terminal 10. If the information is included, the electronic money conversion method of the electronic money service center 500 extracts the electronic money balance information stored in the user terminal 10 from the conversion request and recognizes the electronic money balance information of the user terminal 10. You might be able to figure it out.

Accordingly, in the electronic money conversion method of the electronic money service center 500, after determining the balance through the electronic money balance information corresponding to the user terminal 10, the electronic money balance corresponding to the user terminal 10 corresponds to this conversion request. By determining whether or not according to the amount of the electronic gift certificate, it is determined whether the electronic money payment corresponding to the amount of the electronic gift certificate (S140).

As a result, when the electronic money settlement is possible, the electronic money conversion method of the electronic money service center 500 requests the issuance of the electronic gift certificate to the corresponding electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)) (S150). ). That is, the electronic money conversion method of the electronic money service center 500 is an electronic gift certificate generating server (eg, electronic gift certificate issuing server A (100) that issues the electronic gift certificate based on the gift certificate type information of the electronic gift certificate included in the conversion request. Recognizing)), the electronic voucher issuing server A (100) may request issuance of the electronic voucher of the corresponding amount according to the electronic voucher amount information.

Accordingly, when a payment corresponding to the amount of the electronic gift certificate is requested from the electronic gift certificate issuing server A 100 in response to the request for issuing the electronic gift certificate, the electronic money conversion method of the electronic money service center 500 corresponds to the amount of the electronic gift certificate. The payment is processed (S160).

On the other hand, when it is determined in step S140 that the electronic money payment is impossible, the electronic money conversion method of the electronic money service center 500 may notify the user terminal 10 that payment is impossible (S180).

Referring to the payment processing performed by the electronic money conversion method of the electronic money service center 500 in step S160, the electronic money conversion method of the electronic money service center 500 is the payment from the electronic gift certificate issuing server A (100) Upon request, the user can request the electronic money payment approval to the user terminal 10, and can return an approval confirmation for payment approval. That is, the electronic money conversion method of the electronic money service center 500 indicates the type of electronic gift certificate and the amount of the electronic gift certificate and provides an electronic money settlement approval message to the user terminal 10 asking whether to approve payment of electronic money. You can request approval for payment of money and receive confirmation of approval.

When the approval confirmation is returned, the electronic money conversion method of the electronic money service center 500 converts the electronic money balance information corresponding to the corresponding user terminal 10 that is the target of electronic money payment from the balance information for each user terminal to the amount of the electronic gift certificate. Correspondingly deducting, and provides the actual money managed in response to the user terminal 10 to the electronic gift certificate issuing server A (100) corresponding to the amount of the electronic gift certificate, the electronic money reduction signal corresponding to the electronic gift certificate amount It may be provided to the user terminal 10 that is the target of payment.

As described above, if the payment is normally processed according to the payment request from the electronic voucher issuing server A 100, the electronic voucher issuing server A 100 will issue the requested electronic voucher.

Accordingly, the electronic money conversion method of the electronic money service center 500 provides the electronic gift certificate to the user terminal 10 when the electronic gift certificate issued from the electronic gift certificate issuing server A 100 is received (S170). At this time, the electronic voucher provided to the user terminal 10 is preferably in the form of SMS or MMS or email.

On the other hand, if the electronic voucher service purchases electronic voucher A worth 50,000 won online, the electronic voucher A worth 50,000 won for an amount less than 50,000 won (for example, 45,000 won) by applying a discount rate to the buyer. There is a case where a discount service is provided to enable the purchase of a. Therefore, since the electronic voucher conversion system using the electronic money according to the present invention also corresponds to an online purchase, as shown in Figure 6, the amount conversion process in the electronic money conversion method of the electronic money service center 500 of the present invention is added. Describe one control flow.

As shown in FIG. 6, the electronic money conversion method of the electronic money service center 500 corresponds to each user terminal managed by the electronic money service center 500 for the electronic money held by the corresponding user terminal. The balance information is stored and settled / managed (S210).

In addition, the electronic money conversion method of the electronic money service center 500, the amount conversion is applied to convert the electronic money into the electronic gift certificate for at least one different type of electronic gift certificate (electronic gift certificate A, electronic gift certificate B ...) Information is stored (S220). That is, the amount conversion information is information that is set in advance to calculate the electronic money corresponding to the amount of the electronic gift certificate requested for conversion by reflecting the discount rate applied when making an online purchase for each electronic gift certificate issuing server (100,200 ...). .

Then, the electronic money conversion method of the electronic money service center 500 determines whether a request for conversion from the user terminal 10 to an electronic gift certificate of a predetermined amount using electronic money is received (S230). Accordingly, when a request for conversion of the electronic gift certificate of a predetermined amount using electronic money is received from the user terminal 10 connected through the network 1, the electronic money conversion method of the electronic money service center 500 is applied to the conversion request. Accordingly, the electronic money amount corresponding to the amount information of the requested electronic gift certificate is calculated based on the amount conversion information corresponding to the electronic gift certificate type (S240).

Accordingly, in the electronic money conversion method of the electronic money service center 500, the electronic money balance corresponding to the user terminal 10 is the amount of the electronic gift certificate based on the electronic money balance information corresponding to the user terminal 10. In response to the electronic money amount determined in step S240 or more by determining whether it is possible to determine whether the electronic money payment (S250).

As a result, when the electronic money settlement is possible, the electronic money conversion method of the electronic money service center 500 requests the issuance of the electronic gift certificate to the corresponding electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)) (S260). ). That is, the electronic money conversion method of the electronic money service center 500 is an electronic gift certificate generating server (eg, electronic gift certificate issuing server A (100) that issues the electronic gift certificate based on the gift certificate type information of the electronic gift certificate included in the conversion request. Recognizing)), the electronic voucher issuing server A (100) may request issuance of the electronic voucher of the corresponding amount according to the electronic voucher amount information.

Accordingly, when a payment corresponding to the amount of the electronic gift certificate is requested from the electronic gift certificate issuing server A 100 in response to the request for issuing the electronic gift certificate, the electronic money conversion method of the electronic money service center 500 corresponds to the electronic gift certificate S240. Process payment for the electronic money amount calculated in step (S270).

On the other hand, when it is determined in step S250 that the electronic money payment is impossible, the electronic money conversion method of the electronic money service center 500 may notify the user terminal 10 that payment is impossible (S290).

Referring to the payment processing performed by the electronic money conversion method of the electronic money service center 500 in step S270, the electronic money conversion method of the electronic money service center 500 is the payment from the electronic gift certificate issuing server A (100) Upon request, the electronic money settlement approval message indicating the type of electronic gift certificate and the electronic money amount calculated in step S240 and asking whether to approve payment of electronic money is provided to the user terminal 10 to request the approval of electronic money. Approval confirmation can be returned.

When the approval confirmation is returned, the electronic money conversion method of the electronic money service center 500 calculates electronic money balance information corresponding to the corresponding user terminal 10 that is the target of electronic money payment from the balance information for each user terminal in step S240. The amount corresponding to the electronic money amount is deducted, and the actual money managed in correspondence with the user terminal 10 is provided to the electronic gift certificate issuing server A 100 corresponding to the electronic money amount calculated in step S240, and in step S240. The electronic money deduction signal corresponding to the calculated electronic money amount may be provided to the user terminal 10 that is the target of electronic money settlement.

Accordingly, the electronic money conversion method of the electronic money service center 500 provides the electronic gift certificate to the user terminal 10 when the electronic gift certificate issued from the electronic gift certificate issuing server A 100 is received (S280). At this time, the electronic voucher provided to the user terminal 10 is preferably in the form of SMS or MMS or email.

Accordingly, the user terminal 10 that has requested to convert his electronic money into an electronic voucher of a predetermined amount may receive an electronic voucher corresponding to the conversion request and realize various purchasing activities using the received electronic voucher. will be.

As described above, according to the electronic gift certificate conversion method using the electronic money according to the first embodiment of the present invention, the conversion of the user terminal 10 to convert the electronic money held in the electronic money voucher of a predetermined amount In response to the request, the electronic money service center 500 performs an electronic gift certificate issuance request and payment processing in association with the corresponding electronic gift certificate issuing server (for example, the electronic gift certificate issuing server A (100)). 10) can be provided.

Therefore, according to the electronic voucher conversion method using the electronic money according to the first embodiment of the present invention, the user of the user terminal 10 can easily convert the electronic money held by the user to any desired electronic voucher at any time to receive / store Therefore, even in an offline store that does not support electronic money, purchase activities can be realized using electronic gift certificates without inconvenience.

Hereinafter, a control flow of the electronic gift certificate conversion method using the electronic money according to the second embodiment of the present invention configured as described above will be described with reference to FIG. 7. Here, for the convenience of description, the configuration shown in FIG. 3 described above will be described with reference to the corresponding reference numerals.

First, the user terminal 10 connects to the electronic voucher issuing server 600 through the network (1) and requests to convert the electronic money into electronic vouchers of a predetermined amount (S310). Here, the request for the user terminal 10 to convert the electronic money provided to the electronic voucher issuing server 600 into an electronic voucher of a predetermined amount, the terminal identification information of the user terminal 10, the type information of the held electronic money and It may include at least one of electronic gift certificate amount information, electronic money balance information stored in the user terminal (10).

The electronic voucher issuing server 600 receiving the request for conversion from the user terminal 10 to the electronic voucher using the electronic money, the electronic money payment of the user terminal 10 corresponding to the amount of the electronic voucher requested Request to the service center 700 (S320).

If the electronic money service center 700 requests payment of a predetermined amount corresponding to the electronic gift certificate from the electronic gift certificate issuing server 600, whether the electronic money payment of the user terminal 10 for the corresponding amount is possible according to the payment request. Determine (S330). If the electronic money payment is possible as a result of the determination in step S330, the electronic money service center 700 processes the payment according to the payment request (S340).

Referring to the payment processing performed by the electronic money service center 700 in step S340, the electronic money service center 700, according to the payment request from the electronic gift card issuing server 600, the user terminal 10 By requesting approval of electronic money payment, you can reply to the confirmation confirmation of payment approval. That is, the electronic money service center 700 provides the electronic money settlement approval message to the user terminal 10 indicating the type of electronic gift certificate and the amount of the electronic gift certificate and asking whether to approve payment of electronic money. You can request a reply confirmation.

When the approval confirmation is returned, the electronic money service center 700 allows the electronic money balance information corresponding to the user terminal 10 to be subtracted in accordance with the requested amount of payment, and managed in response to the user terminal 10. The real money is provided to the electronic voucher issuing server 600 corresponding to the requested amount of payment, and the electronic money reduction signal corresponding to the requested amount of payment may be provided to the user terminal 10 subject to the electronic money payment.

As described above, when the electronic money service center 700 processes the payment normally according to the payment request from the electronic gift card issuing server 600, the electronic gift card issuing server 600 sends the processing result to the electronic gift card issuing server 700. Provided (S345).

Accordingly, recognizing that the payment processing according to the payment request is made in the electronic money service center 700, the electronic gift certificate issuing server 600 issues an electronic gift certificate of the requested amount (S350) and provides it to the user terminal 10. (S360). Here, the electronic voucher provided to the user terminal 10 may be provided in the form of SMS or MMS or email.

Accordingly, the user terminal 10 that has requested to convert its electronic money into an electronic voucher of a predetermined amount receives and stores the electronic voucher corresponding to the conversion request (S370), and the user of the user terminal 10 Gift certificates can be used to realize various purchasing activities.

In addition, the user terminal 10 may deduct the electronic money corresponding to the amount of the electronic gift certificate at the same time as the conversion request from the electronic money stored in the mounted electronic money card 15, or the electronic money service center 700. When receiving the electronic money deduction signal from the electronic money, the electronic money corresponding to the amount of the electronic gift certificate is deducted, or when the electronic gift certificate is received and stored, the electronic money corresponding to the amount of the electronic gift certificate is deducted by itself. You can subtract money.

On the other hand, when it is determined that the electronic money settlement is not possible at step S330, the electronic money service center 700 may notify the electronic gift certificate issuing server 600 that payment is impossible (S380), and thus, the electronic gift certificate issuing server 600 ) May inform that the payment is impossible to the user terminal 10 (S385).

As described above, according to the electronic gift certificate conversion method using the electronic money according to the second embodiment of the present invention, conversion of the user terminal 10 to convert the electronic money held in the electronic money voucher of a predetermined amount Upon request, the electronic voucher issuing server 600 may provide the electronic voucher issued to the user terminal 10 by performing the electronic money payment processing of the corresponding user terminal 10 in association with the electronic money service center 700. Can be.

Therefore, according to the electronic voucher conversion method using the electronic money according to the second embodiment of the present invention, the user of the user terminal 10 can easily convert the electronic money held by the user to any desired electronic voucher can be received / stored at any time Therefore, even in an offline store that does not support electronic money, purchase activities can be realized using electronic gift certificates without inconvenience.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various modifications or changes are possible.

At the request of the user terminal to convert his electronic money into an electronic voucher of a predetermined amount, the electronic money settlement process and the electronic voucher is issued through the linkage between the electronic money service center and the electronic voucher issuing server. By providing an electronic voucher to the user terminal, the electronic voucher conversion system and the electronic voucher conversion method using the electronic money of the present invention that the user can conveniently convert the electronic money held by the user to the desired electronic voucher at any time to use the electronic voucher When applied, it can bring about great advances in the popularization of electronic money use, increase in the sales of electronic gift certificates, improvement of user's convenience of purchasing activities, and user satisfaction. Not only is there a good chance that Since the degree to which ever be obviously carried out by the invention in the industrial applicability.

1 is a control block diagram of an electronic gift certificate conversion system using electronic money according to a first embodiment of the present invention.

2 is a control block diagram of an electronic money service center according to a first embodiment of the present invention.

3 is a control block diagram of an electronic gift certificate conversion system using electronic money according to a second embodiment of the present invention.

4 is a flowchart illustrating a control flow of an electronic gift certificate conversion method using electronic money according to a first embodiment of the present invention.

5 is a flowchart illustrating a control flow of an electronic gift certificate conversion method of an electronic money service center according to a first embodiment of the present invention.

6 is a flowchart illustrating a control flow in which an amount conversion process is added to the electronic gift certificate conversion method of the electronic money service center according to the first embodiment of the present invention.

7 is a flowchart illustrating a control flow of an electronic gift certificate conversion method using electronic money according to a second embodiment of the present invention.

1: network 10: user terminal

15: electronic money card 100: shopping service server

200: Electronic Money Service Center

Claims

A user terminal requesting to convert electronic money stored therein into electronic vouchers of a predetermined amount;

At least one electronic voucher issuing server for issuing an electronic voucher of a corresponding amount processed according to an electronic voucher issuing request from the outside; And

In response to the request for conversion to the electronic gift certificate received from the user terminal, request issuance of the electronic gift certificate to the electronic gift certificate issuing server according to whether the electronic money payment of the user terminal corresponding to the requested amount of the electronic gift certificate is possible. Electronic gift certificate conversion system using an electronic money, characterized in that it comprises an electronic money service center.

The method of claim 1,

The at least one electronic voucher issuing server,

When issuance of a predetermined amount of electronic vouchers is requested from the electronic money service center, the electronic voucher of the amount is issued to the electronic money service center or the user terminal when the payment is processed by requesting a payment corresponding to the amount of money on the electronic voucher. Electronic gift certificate conversion system using an electronic money, characterized in that.

The method of claim 2,

The request for conversion from the user terminal to the electronic gift certificate,

Electronic terminal using at least one of the terminal identification information of the user terminal, the gift certificate type information of the electronic gift certificate to be converted, the electronic gift certificate amount information, the electronic money balance information stored in the user terminal Gift certificate conversion system.

Settlement / management unit for calculating / managing the balance information for the electronic money held by each user terminal; And

When a request for conversion of a predetermined amount of electronic vouchers using electronic money is received from a predetermined user terminal, the amount corresponding to the amount of the electronic voucher requested based on the balance information of the electronic money corresponding to the user terminal according to the conversion request is received. Electronic money service center comprising a service provider for requesting the issuance of the electronic gift certificate to the electronic gift voucher issuing server if the electronic money is possible.

The method of claim 4, wherein

The service provider,

In response to the electronic voucher issuance request, the electronic voucher issuance server requests payment corresponding to the amount of money, and the electronic voucher issued from the electronic voucher issuing server is provided to the user terminal. Electronic money service center.

The method according to claim 4 or 5,

Store the amount conversion information applied for converting the electronic money into the corresponding electronic voucher for at least one different electronic voucher type, and based on the amount conversion information corresponding to the type of the electronic voucher according to the conversion request received from the user terminal; And a conversion value calculator for calculating an electronic money amount corresponding to the amount of the requested electronic gift certificate.

The method of claim 6,

The service provider,

On the basis of the balance information of the electronic money corresponding to the user terminal in response to the conversion request, it is determined whether the electronic money payment corresponding to the electronic money amount calculated by the conversion value calculator corresponding to the amount of the electronic gift certificate is possible. Electronic money service center, characterized in that.

An electronic money service center that processes payment when the electronic money payment of the corresponding user terminal is possible in accordance with a payment request corresponding to a predetermined amount received from the outside; And

In response to a request for conversion to the electronic gift certificate received from the user terminal, request the electronic money service center for payment of the electronic money corresponding to the requested amount of the electronic gift certificate, and correspondingly the electronic money service. And an electronic gift voucher issuing server for issuing an electronic voucher according to the conversion request and providing the same to the user terminal when the payment is processed at the center.

A conversion request step of requesting, by the user terminal, to convert electronic money stored therein into electronic vouchers of a predetermined amount;

Determining, by the electronic money service center, whether the electronic money can be settled by the electronic money service center in accordance with the request for conversion to the electronic gift certificate received from the user terminal;

Requesting issuance of the electronic gift certificate to the electronic gift certificate issuing server according to the conversion request, if the electronic money settlement is possible; And

And receiving, by the electronic voucher issuing server, the electronic voucher issuing server that has received the electronic voucher issuing request, issuing an electronic voucher of a corresponding amount settled according to the electronic voucher issuing request.

The method of claim 9,

The step of issuing an electronic gift certificate by the electronic gift certificate issuing server,

When the electronic money voucher issuing request is received from the electronic money service center, requesting the electronic money service center for payment corresponding to an amount of money in the electronic voucher;

When the payment is processed in the electronic money service center, the electronic gift certificate conversion method using the electronic money, characterized in that it comprises the step of issuing the electronic gift certificate of the amount to the electronic money service center or the user terminal.

The method of claim 10,

Using at least one of terminal identification information of the user terminal, gift certificate type information of an electronic gift certificate to be converted, electronic gift certificate amount information, and electronic money balance information stored in the user terminal. How to convert an electronic voucher.

Calculating / managing balance information on electronic money held by each user terminal;

When a request for conversion of a predetermined amount of electronic vouchers from a user terminal is received, it is determined whether the electronic money payment corresponding to the amount of the electronic voucher requested is based on the electronic money balance information of the user terminal according to the conversion request. Making; And

If the electronic money payment is possible, the electronic voucher conversion method of the electronic money service center comprising the step of providing an electronic voucher issuing request to issue the electronic voucher to the corresponding electronic voucher issuing server according to the conversion request .

13. The method of claim 12,

In response to the electronic voucher issuing request, if the electronic voucher is requested to make a payment corresponding to an amount of money, a payment process; And

And providing the electronic voucher issued from the electronic voucher issuing server to the user terminal.

The method according to claim 12 or 13,

Pre-storing amount conversion information applied to convert electronic money into corresponding electronic gift certificates for at least one different electronic gift certificate type; And

When a request for conversion of a predetermined amount of electronic vouchers is received from the user terminal, an electronic money amount corresponding to the amount of the requested electronic voucher is calculated based on the amount conversion information corresponding to the electronic voucher type according to the conversion request. Electronic voucher conversion method of the electronic money service center, characterized in that it further comprises the step of.

The method of claim 14,

Determining whether the electronic money payment is possible,

The electronic money service, characterized in that it is possible to determine whether the electronic money payment corresponding to the electronic money amount calculated in correspondence with the requested amount of the electronic gift certificate based on the electronic money balance information of the user terminal according to the conversion request. How to convert electronic vouchers at the center.

Requesting, by the user terminal, to convert electronic money stored therein into electronic vouchers for a predetermined amount;

In response to a request for conversion to the electronic gift certificate received from the user terminal, requesting the electronic money service center for electronic money payment of the user terminal corresponding to the amount of the electronic gift certificate requested by the electronic gift certificate issuing server;

In response to the electronic money payment request received from the electronic gift voucher issuing server, when the electronic money service center makes electronic money payment of the corresponding user terminal for the amount; And

And when the payment is processed in the electronic money service center, issuing and providing the electronic gift certificate according to the conversion request to the user terminal.