KR20110115030A - Refund service method for coupom selling - Google Patents

Abstract

The present invention relates to a refund service method corresponding to a coupon purchase settlement. The present invention provides a coupon shopping mall server provides the coupon information requested by the customer terminal and requests the bank transfer payment for the first coupon to the thrifty payment system when the customer terminal requests the payment transfer payment for the first coupon Accordingly, the budget payment system provides a payment page to the customer terminal to receive payment information from the customer, including the discount account and the authentication information, perform authentication on the customer's payment information, and then authenticate and authorize. According to the payment information of the customer, the account transfer payment is performed for the first coupon from the budget account, and the refund is calculated based on the payment amount for the first coupon according to the account transfer payment and returned to the budget account.

Description

Refund service method corresponding to coupon purchase settlement {REFUND SERVICE METHOD FOR COUPOM SELLING}

The present invention relates to a refund service provided by a financial company. In particular, the present invention relates to a refund service method for providing a coupon purchaser who purchased the coupon by wire transfer.

Financial firms, such as banks and securities firms, those who produce or sell goods, and those who provide services, receive coupons for such goods or services in order to sell or promote or attract customers to such financial products or goods or services. It is issued.

Coupons are tickets that allow you to purchase or use goods or services at low cost and are offered or sold free of charge in printed or electronic coupons.

In the case of e-commerce, i.e., the sale of coupons over the Internet, the customer pays the costs by bank transfer, bank deposit, credit card payment, etc., as with the purchase of other goods.

Account transfer of the payment method must be registered in the bank operating the coupon sales system according to an embodiment of the present invention, and must be authenticated for the account and the account from the bank at the time of payment.

On the other hand, bank accounts used for deposit and withdrawal, account transfer, and Internet payment to customers use free and withdrawal account, that is, demand bank account. These demand bank accounts are frequently withdrawn and withdrawn, and often do not maintain a large balance, and banks offer low interest rates.

Therefore, the unpaid bankbook is only required as a necessity of life even after long-term use, and there is a problem that does not give a financial benefit to the customer.

Therefore, in the current situation in which e-commerce using the Internet is common and most adults have an unpaid bank account, when the unpaid bank account is used during e-commerce in order to increase the coupon purchase rate to increase the use of goods or services or attract more customers, In addition to the interest rates guaranteed by banks, it is necessary to provide a method or system that provides additional financial benefits.

The technical problem to be achieved by the present invention is a refund service corresponding to a coupon purchase payment, which refunds (ie, refunds) a certain amount of the coupon purchase amount to a customer who purchases the coupon through bank transfer when purchasing the coupon through e-commerce. To provide a way.

According to an aspect of the present invention, there is provided a refund service method corresponding to a coupon purchase payment to a customer terminal who has purchased a coupon in cooperation between a coupon shopping mall server and a budget payment system. The method includes the steps of: (a) the coupon shopping mall server providing the coupon information requested by the customer terminal; (b) when the customer terminal requests the transfer payment for the first coupon, the coupon shopping mall server provides the discount. Requesting the wire transfer payment for the first coupon to a payment system, (c) requesting a customer to input payment information by providing a payment page to the customer terminal by the discount payment system; and (d) When the thrift payment system receives the customer's payment information through the payment page, including the thrift account and the authentication information, performing the authentication of the customer's payment information, (e) the thrift payment system is authenticated Performing a wire transfer payment for the first coupon from the budget account according to the approved payment information of the customer, (f) at the time of the budget payment System comprises the steps, and (g) the billing system affordable for calculating a refund based on a payment amount for the first coupon comprises the steps of a refund the calculated refund to the account affordable.

The coupon shopping mall server and the budget payment system are located in a financial company system operated by a financial company and connected to each other through an internal local network. Accordingly, the step (b) is performed by the coupon shopping mall server to the budget payment system through local communication. And requesting the wire transfer payment for the first coupon.

The customer terminal is characterized in that the smart phone equipped with the application required for the transfer payment of the budget payment system.

Step (f) is characterized in that for calculating the refund on the basis of the payment amount of the wire transfer.

The present invention further includes the step of (h) the coupon shopping mall server receiving a coupon from a coupon provider that is an affiliate, and managing the coupon as a coupon to sell the provided coupon.

The first coupon is a coupon for goods or services provided by the coupon provider, or a coupon for a financial product provided by a financial company operating the coupon shopping mall server.

And the budget account is one of the required bank account held by the customer, or the account of the specific bank account opened for the replenishment service.

According to an embodiment of the present invention, the customer may have a benefit higher than the interest income of the bankbook by receiving a refund of a predetermined amount based on the payment price when the coupon purchase is a direct transfer payment.

1 is a block diagram of a coupon sales system according to an embodiment of the present invention.
2 is a block diagram of a customer terminal and a coupon shopping mall server according to an exemplary embodiment of the present invention.
3 is a block diagram of a budget payment system according to a first embodiment of the present invention.
4 is a flowchart illustrating a refund service method corresponding to a coupon purchase settlement according to a first embodiment of the present invention.
5 is a block diagram of a budget payment system according to a second embodiment of the present invention.
6 is a flowchart illustrating a refund service method corresponding to a coupon purchase settlement according to a second embodiment of the present invention.
7 is a schematic diagram of each component of a coupon sales system according to another embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

First, a coupon selling system and a schematic operation according to an exemplary embodiment of the present invention will be described with reference to FIG. 1. 1 is a block diagram of a coupon sales system according to an embodiment of the present invention.

As shown in FIG. 1, when the coupon sales system 1000 according to an exemplary embodiment of the present invention provides coupon information that can be sold to the customer terminal 11, and pays for the coupon that the user wants to purchase, by wire transfer It is a system for providing a refund service for refunding a predetermined amount to the customer (10).

Coupon sales system 1000 according to an embodiment of the present invention includes a coupon shopping mall server 100 and the budget payment system 200.

Coupon shopping mall server 100 is located on the Internet so that the customer terminal 11 is accessible, and is connected to the budget payment system 200 by a network (eg, the Internet, etc.).

The coupon shopping mall server 100 collects / stores coupons issued by a financial company and coupons issued by a plurality of coupon providers 310 to 340, and sells them in the form of a web page at the request of a customer 10 connected to the Internet. Provide and sell coupon information.

The coupon shopping mall server 100 performs a wire transfer payment for a coupon to be sold in connection with the budget payment system 200 when the customer requests the purchase of the coupon through an account transfer.

Herein, the coupon providers 310 to 340 collectively refer to a coupon provider's system (or server) or a terminal of a coupon provider that provides a coupon to the coupon shopping mall server 100 and requests a sale. These coupon providers 310 to 340 are affiliates of the coupon shopping mall server 100.

The thrift payment system 200 is built in a general financial company system consisting of a period system, an account system, an information system, an external system, etc., and performs a bank transfer payment according to the request of the coupon shopping mall server 100 and displays the result of the bank transfer payment. The customer terminal 11 is notified through the server 100, and a refund service is provided to the customer who has paid the transfer.

Refund service is a service that refunds the set percentage (%) or the set amount of the payment amount to the customer's current account to the customer who paid for the purchase of the coupon to the current account. The refund service may be provided to the current customer who subscribed to the replenishment service, and may be provided to the current customer regardless of whether or not the replenishment service is subscribed to.

On the other hand, when the coupon sales system 1000 according to an embodiment of the present invention is operated in a financial company, it is built in a common financial company system consisting of a period system, accounting system, information system, external system, etc., thrift payment system 200 And the financial company's internal local network or core network. That is, in this case, the budget payment system 200 and the coupon marketing server 100 exchange data by local communication.

Hereinafter, each configuration of the coupon sales system according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 and 3.

2 is a block diagram of a customer terminal and a coupon shopping mall server according to an exemplary embodiment of the present invention.

As shown in FIG. 2, the customer terminal 11 may be connected to the coupon shopping mall server 100 through the Internet, and may be a wired or wireless terminal capable of performing a wire transfer payment through the Internet, for example, a smartphone, Desktop computers and notebook computers.

The customer terminal 11 includes an input unit 11a, an internet module 11b, a banking support unit 11c, and a storage unit 11d.

The input unit 11a includes an input key, an icon, and the like, which allows the customer 10 to input a command and receives the customer's command.

The internet module 11b enables access to the wired or wireless Internet and performs data communication based on the TCP / IP and HTTP protocols. The internet module 11b is, for example, a Wi-Fi module, a wireless LAN card or a wired LAN card.

The banking support unit 11c connects to the internet module 11b to enable internet banking, such as bank transfer, on the customer terminal 11. To this end, the banking support unit 11c includes various applications (eg, a security program, an encryption program, etc.) required when performing a bank transfer with the budget payment system 200. Various applications mounted on the banking support unit 11c are provided by the budget payment system or by the coupon shopping mall server 100.

The storage unit 11d stores various data, and stores an authorized certificate for use when transferring the account between the customer terminal 11 and the budget payment system 200.

On the other hand, as shown in Figure 2 coupon shopping mall server 100 according to an embodiment of the present invention is the connection processing unit 110, coupon registration unit 120, coupon information providing unit 130, sales support unit 140, payment The processing unit 150, the transfer processing unit 160, the coupon providing unit 170, the web page DB 181, the coupon DB 182, the affiliated company DB 183, the sales history DB 184.

The connection processor 110 processes the connection of the customer terminal 11 or the coupon providers 310 to 340, and performs data transmission and reception between the customer terminal 11 or the coupon providers 310 to 340.

The coupon registration unit 120 checks whether the coupon providers 310 to 340 connected through the connection processing unit 110 are affiliates using the affiliate DB 183, and the affiliate coupon provider is a coupon to the coupon shopping mall server 100. Allows you to provide (register). In addition, the coupon registration unit 120 allows the coupon provider 130 to edit the coupons, coupon information update, etc. for the own coupon registered in the coupon shopping mall server 100.

The coupon information providing unit 130 provides the web page requested by the customer 10 and detailed information about a specific coupon included in the web page using the web page DB 181 and the coupon DB 182.

The sales support unit 140 separately manages the information of the coupon selected by the customer 10 like the shopping cart function, and manages the information of the coupon purchased by the customer corresponding to the customer identification information. In addition, the sales support unit 140 receives and manages shipping address information and payment method from a customer.

The payment processing unit 150 operates when the customer 10 selects one of the remaining payment methods, ie, credit card payment, online (bankbook transfer), and mobile phone payment, except for the bank transfer payment through the sales support unit 140. Process payment

The transfer processing unit 160 operates when the customer 10 selects a bank transfer payment through the sales support unit 140, requests the real-time account transfer payment for the coupon purchase to the budget payment system 200, and requests the customer terminal ( 11) and data exchanged between the budget payment system 200 is relayed.

The coupon providing unit 170 receives coupon information on which payment for purchase is completed from the payment processing unit 150 or the transfer processing unit 160, and provides the coupon on which the payment is completed to the customer 10. In this case, the method of providing a coupon may include a method of transmitting an SMS message, downloading the message to the customer terminal 11, or transmitting the email message.

 The web page DB 181 stores information on various web pages, various link information recorded on the web pages, content information, and the like.

Coupon DB 182 stores the information of the coupon provided by the coupon provider (310 to 340) and the information of the coupon provided by the financial company. The coupon information includes a coupon issuance date, coupon expiration date, coupon number, coupon provider (coupon issuer), the subject of application, coupon usage guide, and the like.

The affiliate company DB 183 includes information of affiliates who can register coupons in the coupon shopping mall server 100, authentication information, and account information of the affiliate store. The sales history DB 184 stores the sales history of the coupon provided by the coupon providing unit 170.

Next, the thrift payment system according to an embodiment of the present invention will be described in more detail with reference to FIG. 3. 3 is a block diagram of a budget payment system according to a first embodiment of the present invention.

As shown in FIG. 3, a thrift payment system according to an embodiment of the present invention includes a thrift bank opening unit 210, an authentication unit 220, a payment support unit 230, an account host 240, and a refund calculation unit 250. ), The settlement unit 260, DBMS 270.

The thrift bank opening unit 210 is connected to a branch office terminal (not shown) through a common financial network or a local network, and opens a bankbook (or an account) in which a refund service is provided according to a request for opening a bank account of a branch terminal, and opens a bank account. According to the bank account book and the customer ledger is created and stored in the account book ledger DB (271) and customer ledger DB (272), respectively.

Here, the bank account, that is, the bank account for which the replenishment service is provided, may be a required bank account, but may be any required bank account for which the account can be transferred, and may be a specific bank account for the refund service.

Opening of the bank book is made by the customer 10 visiting the branch and requesting the opening of the bank employee by the branch staff, the branch staff provides the customer information and bankbook opening request through the branch terminal to the thrift bank opening unit 210. Customer information is the information needed to create a customer ledger.

The authentication unit 220 is connected to the bank account ledger DB 271 and the customer ledger DB (272), and performs authentication for the bank account and the customer 10 to transfer payment. The authentication information provided by the authentication unit 220 for the authentication is the same as the information used in the account transfer authentication of normal Internet banking.

The payment support unit 230 interfaces with the coupon shopping mall server 100 to receive an account transfer payment request from the coupon shopping mall server 100, and exchanges various information for the payment of the account transfer with the coupon shopping mall server 100.

The account system host 240 is a banking system of the bank that performs the account transfer payment in connection with the bank account ledger DB 271 according to the account transfer payment request of the payment support unit 230. In addition, the account host 240 stores and manages all the transaction details transmitted from the withdrawal account to the deposit account.

When the refund calculation unit 250 receives the completion of the transfer payment from the account host 240, the refund calculation unit 250 calculates the refund according to the setting condition based on the transferred amount. For example, when the refund calculation unit 250 uses a portion of the amount of the transfer amount as a refund, the amount of the result of multiplying the set amount (eg, 3%, 5%, 10%, etc.), which is a set value, by the amount of the transfer amount Is calculated as a refund. In this case, the refund will be deposited in the account of the required passbook and can be withdrawn in cash.

The settlement unit 260 may settle the user and the coupon shopping mall server 100 based on the refund calculated by the refund calculation unit 250. That is, the settlement unit 260 refunds (refunds) the refund calculated by the refund calculation unit 250 to the user's budget account. In addition, the settlement unit 260 performs a settlement for claiming the sales agent amount agreed to the coupon provider for the sale of the coupon to the coupon provider.

DBMS 270 stores and manages a variety of information managed by the financial company system, and in particular, the bank book president DB (271) that stores information about the thrift bank opened by the thrift bank establishment section 210, and to the customer Manage the customer ledger DB (272) that stores the personal information for.

The information stored in the bank account book DB 271 includes the account number, interest rate, account holder, etc. of the thrift bank account, and the information stored in the customer ledger DB 272 includes the customer name, social security number, telephone number, mobile phone number, address, and e-mail address. Include. In addition, the member information includes a Customer Information File (CIF) number, customer ID information, and password information.

Hereinafter, a refund service method corresponding to a coupon purchase payment according to an embodiment of the present invention will be described with reference to FIG. 4. 4 is a flowchart illustrating a refund service method corresponding to a coupon purchase settlement according to the first embodiment of the present invention, wherein the customer terminal 11 is a smartphone.

The customer 10 is connected to the coupon shopping mall server 100 using the smartphone 11 (S401), and after confirming the various coupons provided by the coupon shopping mall server (100) through the surfing (S402) (S402) , Select the coupon to purchase (S403).

When the customer 10 selects a coupon, the coupon shopping mall server 100 provides detailed information on the coupon selected by the customer 10 (S404), and the customer 10 checks the detailed information of the provided coupon and checks the coupon. Request a purchase (S405).

When the coupon shopping mall server 100 receives the coupon purchase request, the customer 10 checks the identification information of the coupon to be purchased by the customer 10, and the coupon sales information corresponding to the identification information of the coupon (coupon price, coupon providing the corresponding coupon). Check the provider's account, etc.).

Then, the coupon shopping mall server 100 provides a web page for requesting input of the delivery address, customer information, payment method, etc. to the customer 10 (S406), and the customer 10 via the smartphone 11 The shipping information, the customer information and the bank transfer payment request to the corresponding web page (S407).

When the coupon shopping mall server 200 receives a bank transfer payment request from the smartphone 11, while providing the coupon sale information (eg, coupon price, coupon identification information, coupon provider's account, etc.) to the budget payment system 200. Request a wire transfer payment for the coupon. That is, the coupon shopping mall server 100 calls the payment page for payment by bank transfer from the budget payment system 200 (S408).

The budget payment system 200 provides the payment page for the account transfer payment to the smartphone 11 through the coupon shopping mall server 100 according to the request of the coupon shopping mall server 100 (S409).

When the smartphone 11 receives the payment page, it executes the banking support unit 11c for internet banking with the budget payment system 200, and the account, password (or separate) of the budget account entered by the customer 10 Password) is encrypted and provided to the coupon shopping mall server 100. Of course, if the input of the password for the official certificate is required, the smartphone 11 with the identification information for the public certificate stored in the storage unit 11d and the password of the official certificate entered by the customer 10 coupon coupon server ( 100).

When the coupon shopping mall server 100 receives the information for payment from the smart phone 11, and delivers it to the budget payment system 200 (S410), the budget payment system 200, the bank account account included in the received information Identify (S411).

In addition, the budget payment system 200 determines whether the identified bank account is a current account (S412).

The thrift payment system 200 notifies the smartphone 11 through the coupon shopping mall server 100 that the account transfer payment is not possible if the bank account for the account transfer payment is the other account (S413), if the current account, the amount to pay, The payment details of the bank account of the customer to be transferred are notified to the smartphone 11 through the coupon shopping mall server 100 (S414).

After the customer 10 confirms the payment details through the smart phone 11, if the payment details are correct, the customer 10 notifies the payment confirmation system 200 (S415).

When the budget payment system 200 receives confirmation of the payment account and the payment amount from the customer 10, the balance of the balance book to be paid through the account host 240 is checked (S416), and the coupon can be purchased. It is determined (S417).

If the account balance is insufficient, the account system 240 notifies the payment to the smartphone 11 through the coupon shopping mall server 100 (S418), if the account balance can be purchased coupons, thrift payment system 200 The account-based host 240 of the customer performs an account transfer payment that transfers the account transfer payment from the customer's account to the account of the coupon provider by the coupon price (S419).

In this case, the account where the amount is transferred from the customer's budget account at the time of payment of the account transfer is not the account of the coupon provider (which may be a financial company), but the account of the financial company prepared by the financial company for payment of the coupon shopping mall or the coupon of the coupon shopping mall server 100. It may be a separate account.

When the budget payment system 200 completes the transfer payment, the refund calculation unit 250 calculates the refund amount according to the coupon payment amount (S420) and refunds the calculated refund to the bank account of the customer who transferred the account. To deposit (refund) (S421).

In addition, the budget payment system 200 calculates a fee for selling the coupon using the settlement unit 260 and bills the provider of the corresponding coupon (S422). Of course, the commission associated with the coupon sale can be settled by subtracting the coupon sales amount at the time of payment.

When the bank transfer payment for the coupon sale is completed, the budget payment system 200 notifies the smartphone 11 of the payment completion through the coupon shopping mall server 100 (S423, S424).

Hereinafter, a refund service method corresponding to a coupon purchase settlement according to a second embodiment of the present invention will be described with reference to FIGS. 5 and 6.

According to a second embodiment of the present invention, the amount of refunds (refunds) generated according to the payment of the coupons can be accumulated and managed separately, and the cumulative / managed refunds (hereinafter referred to as "reserved reserves") can be used as payment amounts when repurchasing coupons. It is about the case. Here you can accumulate / manage your refunds by converting them into points in a way that you accumulate / manage your refunds separately, create a virtual account that corresponds to your customers, accumulate / manage your refunds in your virtual account, or accumulate your refunds in the form of a separate required bankbook. Can be managed Of course, as another embodiment of the present invention, the reserve can be used as an additional interest rate when the customer joins the financial product of the financial company.

5 is a block diagram of a budget payment system according to a second embodiment of the present invention.

As shown in FIG. 5, the thrift payment system 200a according to the second embodiment of the present invention is configured almost similarly to the thrift payment system 200 according to the first embodiment of the present invention, and the refund is accumulated. There is a difference between the unit 280, the payment support unit 230a, and the refund calculation unit 250a.

The refund accumulator 280 is a storage medium that accumulates the refund as a reserve, and the payment support unit 230a has a function to use the reserve at the time of payment to the payment support unit 230 according to the first embodiment of the present invention. Refund calculation unit 250a is a form in which a refund is stored in the refund accumulation unit 280 in the refund calculation unit 250 according to the first embodiment of the present invention.

Here, the refund according to the second embodiment of the present invention may be cash that can be entered / withdrawn from the required bank account as in the first embodiment, or may be electronic money (for example, points).

Hereinafter, a refund service method corresponding to a coupon purchase settlement according to a second embodiment of the present invention will be described with reference to FIG. 6.

6 is a flowchart illustrating a refund service method corresponding to a coupon purchase payment according to a second embodiment of the present invention, wherein the customer terminal 11 is a smartphone.

The customer 10 accesses the coupon shopping mall server 100 by using the smartphone 11 (S601), selects a coupon to purchase from the coupon sold in the coupon shopping mall server 100, and requests a coupon purchase.

When the coupon shopping mall server 100 receives the coupon purchase request, the customer 10 checks the identification information of the coupon to be purchased by the customer 10, and the coupon sales information corresponding to the identification information of the coupon (coupon price, coupon providing the corresponding coupon). Check the provider's identification information (or coupon provider's account information).

Then, the coupon shopping mall server 100 provides a web page for requesting input of the delivery address, customer information, payment method, etc. to the customer 10 (S603), and the customer 10 via the smartphone 11 Shipping information, customer information and bank transfer payment request to the corresponding web page (S604).

When the coupon shopping mall server 200a receives the bank transfer payment request from the smart phone 11, the coupon shopping system 200a receives coupon sale information (eg, coupon price, coupon identification information, coupon provider identification information (or coupon provider). Request the bank transfer payment for the coupon while providing the account information). That is, the coupon shopping mall server 100 calls the payment page for payment by bank transfer from the budget payment system 200a (S605).

The budget payment system 200a provides the payment page for account transfer payment to the smartphone 11 through the coupon shopping mall server 100 according to the request of the coupon shopping mall server 100 (S606).

When the smartphone 11 receives the payment page, it executes the banking support unit 11c for internet banking with the budget payment system 200a, and the account, password (or separate) of the budget account entered by the customer 10 Password) is encrypted and provided to the coupon shopping mall server 100. Of course, if the input of the password for the official certificate is required, the smartphone 11 with the identification information for the public certificate stored in the storage unit 11d and the password of the official certificate entered by the customer 10 coupon coupon server ( 100).

When the coupon shopping mall server 100 receives the information for payment from the smart phone 11, and delivers it to the budget payment system 200a (S607), the budget payment system 200a is a bank account account included in the received information Identify (S608).

The budget payment system 200a determines whether the identified bank account is a current account (S609).

The thrift payment system 200a notifies the smartphone 11 via the coupon shopping mall server 100 that the account transfer payment is not possible if the bank account for the account transfer payment is another bank account (S610), if the current account, the amount to pay, The payment details of the bank account of the customer to be transferred are notified to the smartphone 11 through the coupon shopping mall server 100 (S611).

After confirming the payment details through the smartphone 11, the customer 10 notifies the payment confirmation system 200a of the payment confirmation (S612).

When the budget payment system 200a receives the confirmation of the payment account and the payment amount from the customer 10, the balance of the balance book and the refund reserve unit 280 of the budget account to be paid through the account account host 240 Check the reserve (S613), to determine whether the coupon can be purchased (S614).

Here, the account host 240 determines that the coupon can be purchased if the sum of the bank account balance and the cumulative refund amount is greater than the coupon purchase price.

If it is determined that the coupon can be purchased, the payment support unit 230a of the budget payment system 200a notifies the customer 10 of the coupon purchase possible and at the same time asks whether the reserve is used (S615).

Thus, the customer 10 provides a response to the deposit use inquiry to the thrift payment system 200a (S616), and the payment support unit 230a of the thrift payment system 200a if the customer's 10 response is used for the reserve. (S617), in connection with the account-based host 240, the customer's reserves are used at the time of payment transfer (S618).

That is, the payment support unit 230a pays a part of the coupon purchase price as a reserve of the customer, and then requests an account transfer payment to the account host 240 for the remaining balance after the payment. Of course, the payment support unit (230a) if the customer's reserve is more than the coupon purchase price coupon payment payment is made only, and the account transfer payment is not made.

On the other hand, if the account host 240 is requested to transfer payment for the coupon from the payment support unit 230a, and performs a wire transfer payment from the account of the customer's budget account (S619). In this case, the payment support unit 230a provides the price of the coupon, the customer's identification information (or the account of the customer's budget account), and the like.

When the budget payment system 200a performs a wire transfer payment, the refund calculation unit 250a calculates a refund amount according to the amount paid by the wire transfer payment (S620), and calculates the refund of the customer who transferred the account. Earn in the refund earning unit 280 (S621).

When the bank transfer payment for the coupon sale is completed, the bargain payment system 200a notifies the smartphone 11 of the payment completion through the coupon shopping mall server 100 (S622).

At least some functions of the coupon selling system and method according to the embodiment of the present invention described above may be implemented in hardware or software coupled to the hardware. Hereinafter, an embodiment in which a coupon shopping mall server is coupled to a computer system will be described in detail with reference to FIG. 7.

FIG. 7 is a schematic diagram of a coupon shopping mall server according to another exemplary embodiment of the present invention. The connection processing unit 110, the coupon registration unit 120, the coupon information providing unit 130, and the sales support unit 140 described with reference to FIG. ), A system that can be used to perform at least some of the functions of the payment processing unit 150, transfer processing unit 160 and coupon providing unit 170.

Referring to FIG. 7, the coupon shopping mall server 100 may include a processor 201, a memory 203, at least one storage device 205, an input / output (I / O) interface 207, and a network interface ( 209).

The processor 201 may be implemented with a central processing unit (CPU), other chipsets, microprocessors, or the like, and the memory 203 may be a dynamic random access memory (DRAM) or a rambus DRAM (rambus DRAM). DRAM, RDRAM), synchronous DRAM (synchronous DRAM, SDRAM), static RAM (RAM, etc.) may be implemented as a medium such as RAM.

The storage device 205 includes a hard disk, a compact disk read only memory (CD-ROM), a CD rewritable (CD-RW), a digital video disk ROM (DVD-ROM), a DVD-RAM, a DVD-RW disk. The optical disk may be implemented as a permanent or volatile storage device such as an optical disk such as a blu-ray disk, a flash memory, or various types of RAM.

In addition, I / O interface 207 allows processor 201 and / or memory 203 to access storage 205, and network interface 209 provides processor 201 and / or memory 203. ) To access the network (300).

In this case, the processor 201 may include a connection processing unit 110, a coupon registration unit 120, a coupon information providing unit 130, a sales support unit 140, a payment processing unit 150, a transfer processing unit 160, and a coupon providing unit ( Program instructions for implementing at least some of the functions of 170 are loaded into the memory 203, and the connection processing unit 110, coupon registration unit 120, coupon information providing unit 130, sales support unit 140, and payment Functions of the processing unit 150, the transfer processing unit 160, and the coupon providing unit 170 may be located in the storage device 1130 to control the operation described with reference to FIG. 4 or 6.

In addition, the memory 203 or the storage device 205 stores web page information or screen information, function guide information, and the like for interfacing with the server (or terminal) of the customer terminal 11 or the coupon provider and the processor 201. In conjunction with the connection processing unit 110, coupon registration unit 120, coupon information providing unit 130, sales support unit 140, payment processing unit 150, transfer processing unit 160 and coupon providing unit 170 Can be performed.

The processor 201, the memory 203, the storage 205, the I / O interface 207, and the network interface 209 shown in FIG. 7 may be implemented in one computer or distributed among a plurality of computers. It may be implemented.

Meanwhile, in the above-described embodiment of the present invention, the coupon requested by the seller of the coupon of the financial company is commissioned to be sold in the coupon shopping mall server 100, but the present invention is not limited thereto. That is, in another embodiment of the present invention, the coupon shopping mall server 100 may sell only the coupon for the financial product, that is, the coupon issued by the financial company.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

100: coupon shopping mall server 200, 200a: bargain payment system
110: connection processing unit 120: coupon registration unit
130: coupon information providing unit 140: sales support unit
150: payment processing unit 160: transfer processing unit
170: coupon providing unit 11: customer terminal (smartphone)
210: bank book opening section 220: authentication section
230, 230a: payment support unit 240: account host
250, 250a: Refund calculation unit 260: Settlement unit

Claims (12)

In the refund service method corresponding to the coupon purchase payment to the customer terminal that purchased the coupon in cooperation between the coupon shopping mall server and the bargain payment system,
(a) providing, by the coupon shopping mall server, coupon information requested by the customer terminal;
(b) when the customer terminal requests a wire transfer payment for a first coupon, the coupon shopping mall server requesting the wire transfer payment for the first coupon to the budget payment system;
(c) requesting the customer to input payment information by providing a payment page to the customer terminal;
(d) performing the authentication of the payment information of the customer when the payment system receives the payment information of the customer, including the discount account and the authentication information, through the payment page;
(e) performing the bank transfer payment on the first coupon from the budget account according to the payment information of the customer who is authenticated and approved,
(f) calculating the refund amount based on the payment amount for the first coupon;
(g) The refund service method corresponding to the coupon purchase payment comprising the step of refunding the calculated refund to the customer. The method of claim 1,
The coupon shopping mall server and the budget payment system are located in a financial company system operated by a financial company and are connected to each other through an internal local network.
Accordingly, in the step (b), the coupon shopping mall server requests the bank transfer payment for the first coupon to the discount payment system through local communication. The method according to claim 1 or 2,
Wherein the customer terminal is a smart phone equipped with an application required for payment of the account transfer payment of the budget payment system Refund service method corresponding to the payment. The method of claim 3,
Wherein the step (f) is a refund service method corresponding to the coupon purchase payment, characterized in that for calculating the refund on the basis of the payment amount transfer payment. The method of claim 4, wherein
(h) the coupon shopping mall server is provided with a coupon from a coupon provider, the affiliated company, the method of replenishing the payment of the coupon service, characterized in that it further comprises the step of managing the coupon to sell the coupon. The method of claim 5,
The first coupon is a coupon for goods or services provided by the coupon provider, or a refund service method corresponding to a coupon purchase settlement, wherein the coupon is for a financial product provided by a financial company operating the coupon shopping mall server. . The method of claim 6,
Replenishment service method corresponding to the coupon purchase payment, characterized in that the discount account is one of the accounts of the demand bankbook held by the customer. The method of claim 6,
The discount service method according to the coupon purchase settlement, characterized in that the account of the specific demand bank account opened for the refund service. The method of claim 8,
The refund service is a cash service capable of depositing or withdrawing money into the required bank account or electronic money corresponding to the cash purchase payment method corresponding to the coupon purchase payment. 10. The method of claim 9,
In the step (g), when the refund is the cash, the refund service method corresponding to the coupon purchase settlement, characterized in that the deposit by the deposit to the customer's budget account. 10. The method of claim 9,
In the step (g), if the refund is the cash or the point, the refund service method corresponding to the coupon purchase settlement, characterized in that the accumulated in the customer's name in a separate storage medium. The method of claim 11,
(i) the budget payment system inquiring whether the refund is stored in the separate storage medium to the customer before performing the transfer payment;
(j) if the customer requests the use of the accumulated refund according to the inquiry, the refund service method corresponding to the coupon purchase payment further comprising the step of subtracting the amount of the accumulated refund from the amount to be paid by the bank transfer; .

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