KR20120101191A - Method of exchanging an used coupon - Google Patents

Method of exchanging an used coupon Download PDF

Info

Publication number
KR20120101191A
KR20120101191A KR1020110010593A KR20110010593A KR20120101191A KR 20120101191 A KR20120101191 A KR 20120101191A KR 1020110010593 A KR1020110010593 A KR 1020110010593A KR 20110010593 A KR20110010593 A KR 20110010593A KR 20120101191 A KR20120101191 A KR 20120101191A
Authority
KR
South Korea
Prior art keywords
coupon
used coupon
relay server
seller
terminal
Prior art date
Application number
KR1020110010593A
Other languages
Korean (ko)
Inventor
김진우
Original Assignee
김진우
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 김진우 filed Critical 김진우
Priority to KR1020110010593A priority Critical patent/KR20120101191A/en
Publication of KR20120101191A publication Critical patent/KR20120101191A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent

Abstract

PURPOSE: A used coupon relay method is provided to supply a just right for a service to a purchaser by enabling a seller to freely register used coupons in online and to perform money conversion through a transaction. CONSTITUTION: A used coupon relay server receives registration information about used coupons by supplying a registration menu to a user terminal(S101). The used coupon relay server supplies the used coupons registered in a purchaser terminal. The used coupon relay server receives purchase intention information about a specific used coupon. The used coupon relay server requests payment to the purchaser terminal(S103). The used coupon relay server remits a purchase amount to a seller(S108). [Reference numerals] (AA) Start; (BB,DD) No; (CC,EE) Yes; (FF) Termination; (S101) Coupon registration of a seller; (S102) Coupon selection of a purchaser; (S103) Payment request and payment; (S104) Notifying the purchase to the seller; (S105) Transmitting a coupon number and a use confirmation period to the purchaser; (S106) Normal use of the coupon?; (S107) Use time is expired?; (S108) Remitting a payment to the seller; (S109) Remitting a payment to the purchaser

Description

Method of exchanging an used coupon}

The present invention is a social commerce site using an online used coupon relay system for distribution of various coupons or tickets (hereinafter referred to as "coupons") that are generally used as a payment means, a discount means or an exchange means of goods or services. It relates to a method of safely relaying used coupons (which can be used until the expiration date), such as impulse coupons, remorse after purchase, and coupons that are not intended for personal use.

Conventionally, companies that provide various merchandise stores or services (hereinafter referred to as service providers) in general commerce have issued and distributed coupons free of charge as a means of payment, discount, or exchange for goods or services. have. Such coupons are provided with a certain condition, for example, a discount rate or a period of use, and it is common to provide a service such as discounting a price of a product or providing a prize to a customer who uses the coupon. In the conventional distribution method of such a coupon, the seller issues a coupon as needed and the seller delivers the coupon directly to the visited customer or delivers the product to the customer, and delivers the coupon to the customer at the desired point of time. It was generally returned to the seller by use.

    Recently, with the development of the Internet and the popularization of social communities, social commerce sites selling goods and services using coupons have appeared. Social commerce site is a kind of electronic commerce using social media such as Twitter, Facebook, and On-Lay media, and uses the information propagation speed of social media to marketing and sells discounted products and services through joint purchase. Say the site. The reason why the discount is possible while maintaining the quality of the product is because the companies providing the product offer the discounted product when the mass sale is made for promotion. For example, a newly opened store or aggressive marketing company has to spend a huge amount of advertising costs. In the past, it was necessary to take the risk of advertising effect. However, in the case of social commerce, the effect of advertising is obvious. This is because the advertising fee is paid only when it is made.

    1 is a diagram illustrating a coupon trading method in a general social commerce site.

    Service providers who want to announce their businesses will post trading products on social commerce sites (①), and social commerce operators will notify their members by e-mail, Twitter, etc. (②). The buyer sees the goods displayed on the homepage of the social commerce site and makes a purchase decision. After a certain number of members purchase, the buyer pays with a credit card when the discount transaction is completed. The purchase is completed by sending the number (③). After that, the service is managed properly, and after the members use the service (④), a portion of the transaction amount is passed to the service provider (⑤). The method of using the coupon provided online is to print the coupon on a material such as paper using an output device such as a printer, or to receive a coupon image including the authentication number on a mobile communication terminal such as a mobile phone. It is presented in.

    However, social commerce for coupons that can be used but not processed (hereinafter referred to as 'used coupons'), such as coupons impulsively purchased by the buyer, remorse after purchase, or coupons that are not intended for personal use The site is refusing to refund due to damage to the service provider's intention to deal with mass sales, and more and more users are suffering from failure to process used coupons.

    In addition, when used coupons are traded directly between individuals, the coupon certification number of the used coupon is already exposed not only to the buyer but also to the seller who sold the used coupon. When using the service using the coupon code number, there is no appropriate regulatory method to prevent this, so there is a high risk of causing a dispute, there is a disadvantage that the rights of used coupon buyers are not guaranteed.

The present invention has been made in order to solve the above problems, using the used coupon relay system sellers can freely register their own used coupons on-line to allow money to be refunded through transactions, the buyer who purchased the used coupons The purpose is to provide a used coupon relay method to ensure that the right to the service is guaranteed.

Used coupon relay method according to the present invention for achieving the above object is the first coupon relay server 300, the first step of receiving the registration information of the used coupon by providing a registration menu to the seller terminal; Used coupon relay server 300 is a second step of providing a used coupon registered in the purchaser terminal 200, and receives the purchase intention information for a particular used coupon of the used coupon registered from the purchaser terminal 200; After the used coupon relay server 300 requests payment to the buyer terminal, the used coupon relay server 300 confirms the payment, blindly process the code number of the coupon, and generates a use confirmation period ; The second coupon relay server 300 transmits the blind code number and the use confirmation period to the purchaser terminal 200; The use confirmation period is counted when the code number blinded by the user is activated, and when the expiration information of the use confirmation period is received, the used coupon relay server 300 approves the transfer of the purchase price to the seller. Characterized in that it comprises a step.

    In addition, the used coupon relay method according to the present invention is the first coupon relay server 300 is a first step of receiving a registration information of the used coupon by providing a registration menu to the seller terminal; Used coupon relay server 300 is a second step of providing a used coupon registered in the purchaser terminal 200, and receives the purchase intention information for a particular used coupon of the used coupon registered from the purchaser terminal 200; A third step in which the used coupon relay server 300 requests payment from the purchaser terminal, the used coupon relay server 300 confirms the payment, and transmits a purchase completion fact to the purchaser terminal 200; When the coupon use request signal is received from the purchaser terminal, the used coupon relay server 300 generates a use confirmation period for the code number of the coupon and transmits the code number and the use confirmation period to the purchaser terminal 200. Step 4; When the use confirmation period is counted and the expiration information of the use confirmation period is received, the used coupon relay server 300 may include a fifth step of approving the transfer of the purchase price to the seller.

According to the present invention, after purchasing a coupon purchased from a social commerce site, a user who wants to refund the money can resell used coupons, and suggests a method of safely relaying used coupons so that the rights of used coupon buyers can be guaranteed. It was. In other words, since the seller only knows the used coupon code number before the buyer presses the 'use' button, the buyer can check whether the used coupon is illegal by using the used coupon after selling the used coupon. If there is an illegal used coupon before the just used coupon, the transfer of the purchase price to the seller is stopped to prevent the damage. In addition, there is an effect that can be paid to the seller as soon as the set use confirmation period has elapsed without the cumbersome procedure of confirming the use of the used coupon to the coupon destination.

1 is a diagram illustrating a distribution method of a general social commerce.
2 is a view showing the configuration of a used coupon distribution system according to the present invention.
Figure 3 is a flow chart showing step by step used coupon distribution method according to the present invention.
4 is a diagram illustrating the step-by-step between the components of the used coupon distribution method according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail the configuration and operation of the present invention.

    Figure 2 is a block diagram schematically showing the configuration of the used coupon relay system according to the present invention. The network communication network shown in FIG. 2 means a data communication network in a comprehensive sense including LAN, WAN, intranet, and various other types of networks, including mobile networks, satellites as well as wired networks including a private network and a public telephone network (PSTN). It includes a wireless network such as a communication network.

    The terminal includes a seller terminal 100 and a purchaser terminal 200. The terminal (100, 200) is a communication terminal, such as a computer, a mobile phone, a PDA having a function that can be connected to the Internet, etc. using wired / wireless communication, and a dedicated terminal for connecting to the used coupon relay server 300 Include. The terminal (100, 200) is installed a program such as a web browser for network connection can be connected to the used coupon relay server 300 through this.

    Used coupon relay server 300 performs a function to register the used coupon to be sold through the seller terminal (100). In other words, used coupon information input through the seller terminal 100, for example, used coupon code, the sale price of used coupons, the use price at the point of use of the coupon, use coupons including the issuance type and format of the used coupon, expiration date Receives information related to a condition and the like to be displayed through a plurality of terminals (100, 200) connected to the used coupon relay server 300. At this time, the used coupon relay server 300 may process to register the information on the used coupons input by a plurality of sellers for each specific category. The categories may include types of prizes or services provided. In addition, the used coupon relay server 300 receives a purchase intention from the purchaser terminal 200 with respect to the registered used coupons and requests the payment for this, and confirms the payment for the code number after Create a use confirmation period and record the code number and the use confirmation period in the used coupon DB and save it, and transmits to the buyer terminal (200).

    A used coupon trading method using the used coupon relay system will be described with reference to FIGS. 3 and 4.

    3 illustrates a used coupon trading method using a used coupon relay system. The seller logged in by accessing the used coupon relay server 300 registers the used coupon in the used coupon relay server 300 (S101). In order to register the used coupon of the seller, the used coupon relay server 300 provides a menu through which the used coupon seller can register the used coupon through the seller terminal (100). Specifically, the seller can access the used coupon relay server 300 by using an access program such as a web browser installed on his terminal, used coupon relay server 300 by entering the ID and password on the first screen when connecting You can log in to.

    The used coupon seller may register by entering the used coupon related information to be registered in the specific coupon window provided by the used coupon relay server 300 through the connected terminal. At this time, the seller may register the used coupon for each specific category through the registration menu for each category provided through the seller terminal 100 from the used coupon relay server 300. That is, the seller opens a specific window prepared for categorization of used coupon registration provided by the used coupon relay server 300 on the screen of the terminal, and then selects a specific category from the categories divided by the type of prizes or services provided. You can enter used coupon-related information such as code number, sale price of used coupon, use price at the place of using coupon, restrictions on use including issuance type and format of used coupon and expiration date. Used coupon related information registered in this way can be displayed through all the terminals connected to the used coupon relay server 300. Used coupons registered by category can be easily obtained information about the desired used coupons by allowing buyers connected to the used coupon relay server 300 to sort or search by category to purchase used coupons. In addition, the code number of the used coupon-related information may be separately transmitted by the seller when payment is completed from the buyer.

    Next, the purchaser who accesses the used coupon relay server 300 through the purchaser terminal 200 selects a used used coupon from among registered registered coupons and inputs a purchase intention (S102). At this time, the purchaser can access using an access program such as a web browser installed on his terminal, and can log in to the used coupon relay server 300 by inputting an ID and password at the initial screen when connecting. The buyer, after logging in, displays a specific screen window prepared for purchasing used coupons provided by the used coupon relay server 300 on the screen of the terminal, and then searches by keyword or sorts by category through the provided menu. You can choose a used coupon. The buyer enters a purchase intention for the selected used coupon by selecting the used coupon as described above, and the used coupon relay server 300 receives the purchase intention information from the purchaser terminal 200 through wired / wireless communication.

    Next, the used coupon relay server 300 requests payment to the used coupon buyer, the buyer pays the price (S103). In this case, the payment method provided may be an online payment method such as a credit card or direct debit, or payment by a cumulative point capable of making a cash payment. The paid purchase price may be used for the used coupon relay server 300 or the third party. It is stored in the account of the institution, and when the used coupon expires or the expiration date of the used coupon expires, the escrow method (payment deposit means) transfers the money to the seller of the used coupon. can do.

    Next, after the used coupon relay server 300 confirms the payment, the seller is notified of the purchase of the used coupon (S104), and generates a usage confirmation period for the code number and stores it in the used coupon DB. In addition, the used coupon relay server 300 transmits the code number and the usage confirmation period to the purchaser terminal 200 (S105). In this case, the transmitted code number may be transmitted to a wireless communication terminal in the form of a callback (SMS) short message service. You can check the code number. In another embodiment, the used coupon relay server 300 notifies the purchaser of the completion of the purchase, the buyer used the coupon coupon by selecting the callback SMS at the time of use of the used coupon relay server 300 by pressing the 'use' button The code number and the usage confirmation period can be sent from.

    When the buyer presses the 'use' button and the code number is activated, the buyer checks the code number of the used coupon and then uses the used coupon for the coupon use (S106). At this time, if the used coupon is not used normally, that is, if there is an illegal used coupon before the purchaser's proper use of the used coupon, the remittance of the purchase price to the seller is stopped, and the remittance of the purchase amount to the buyer is required according to the buyer's refund request. This is done (S109). As such, according to the present invention, the rights of the used coupon buyer are guaranteed because the seller can prevent the damage to the buyer if the seller uses the service using the used coupon code number before the purchaser, who is the rightful owner of the used coupon, uses it. Will be.

    When the purchaser confirms the use code number, the use confirmation period is counted, and the purchaser must use the used coupon within the use confirmation period, and when the set use confirmation period expires (S107), the used coupon relay server 300 The purchase price paid by the buyer is remitted to the seller (S108). The use confirmation period may be generated and designated in advance in the used coupon relay server 300, but a plurality of them may be generated and set to be selected by the buyer. For example, if the purchaser sets the 6-hour period during the use time of 3 hours, 6 hours, and 12 hours, the used coupon relay server 300 after 6 hours after the buyer presses the 'use' button The purchase price will be sent to the seller.

    However, if the buyer does not use the used coupon until the expiration date of the used coupon, the purchase price is remitted to the seller at the end of the expiration date.

    When the used coupon code number and the use confirmation period are applied, the seller only knows the used coupon code number before the buyer presses the 'use' button to activate the code number. It is possible to check the use of illegal used coupons only at the point of use, and if the buyer has used illegal coupons before the just used coupons, the transfer of the purchase price to the seller is stopped to prevent damage. In addition, it is possible to pay the seller immediately after the set use confirmation period has passed without the cumbersome procedure of checking the use of the used coupon of the buyer.

    4 shows a used coupon trading method using a used coupon relay system.

    The seller logged in by accessing the used coupon relay server 300 through the seller terminal 100 registers the used coupon by inputting the used coupon related information into the used coupon relay server 300 (step). A buyer who logs in by accessing the used coupon relay server 300 through the purchaser terminal 200 selects a particular used coupon from among registered registered coupons and inputs a purchase intention (step). Next, the used coupon relay server 300 requests payment to the used coupon buyer (step), the buyer pays the price (step). Next, after the used coupon relay server 300 confirms the payment, the seller is notified of the purchase of the used coupon (step), and generates a usage confirmation period for the code number and stores the used coupon DB , The used coupon relay server 300 transmits the code number and the use confirmation period to the purchaser terminal 200 (step). After that, the buyer checks the code number to use the coupon, and at the time when the set use confirmation period expires, the used coupon relay server 300 remits the purchase price paid by the buyer to the seller (step).

    The present invention is not limited to the above-described embodiments, and can be modified by those skilled in the art as can be seen from the appended claims, and such modifications are within the scope of the present invention.

100: seller terminal 200: buyer terminal
300: used coupon relay server

Claims (8)

Used coupon relay server 300 is a first step of providing a registration menu to the seller terminal to receive registration information of the used coupon;
Used coupon relay server 300 is a second step of providing a used coupon registered in the purchaser terminal 200, and receives the purchase intention information for a particular used coupon of the used coupon registered from the purchaser terminal 200;
After the used coupon relay server 300 requests payment to the buyer terminal, the used coupon relay server 300 confirms the payment, blindly process the code number of the coupon, and generates a use confirmation period ;
The second coupon relay server 300 transmits the blind code number and the use confirmation period to the purchaser terminal 200;
The use confirmation period is counted when the code number blinded by the user is activated, and when the expiration information of the use confirmation period is received, the used coupon relay server 300 approves the transfer of the purchase price to the seller. step
Used coupon relay method comprising a. Used coupon relay server 300 is a first step of providing a registration menu to the seller terminal to receive registration information of the used coupon;
Used coupon relay server 300 is a second step of providing a used coupon registered in the purchaser terminal 200, and receives the purchase intention information for a particular used coupon of the used coupon registered from the purchaser terminal 200;
A third step in which the used coupon relay server 300 requests payment from the purchaser terminal, the used coupon relay server 300 confirms the payment, and transmits a purchase completion fact to the purchaser terminal 200;
When the coupon use request signal is received from the purchaser terminal, the used coupon relay server 300 generates a use confirmation period for the code number of the coupon and transmits the code number and the use confirmation period to the purchaser terminal 200. Step 4;
When the use confirmation period is counted and the expiration information of the use confirmation period is received, the used coupon relay server 300 approves the transfer of the purchase price to the seller.
Used coupon relay method comprising a. The method according to claim 1 or 2
If the refund request information is received before the expiration information of the use confirmation period is received from the purchaser terminal, the used coupon relay server 300 disapproves the transfer of the purchase price to the seller.
Used coupon relay method characterized in that it further comprises. The method according to claim 1 or 2
In the third step, the used coupon relay server 300, if the payment is confirmed, the used coupon relay method, characterized in that further comprising transmitting the fact of purchase to the seller terminal. The method according to claim 1 or 2
The registration information of the used coupon of the first step is a used coupon relay method, characterized in that it comprises a code number, expiration date, selling price. The method according to claim 1 or 2
The registration information of the used coupon of the first step includes an expiration date and a selling price, and the code number is received from the seller terminal when the payment is confirmed in the third step. The method of claim 1, wherein
The use confirmation period of the third step is used coupon relay method, characterized in that a plurality is generated so that the buyer can select. The method according to claim 2, wherein
The use confirmation period of the fourth step is used coupon relay method, characterized in that a plurality is generated so that the buyer can select.
KR1020110010593A 2011-02-07 2011-02-07 Method of exchanging an used coupon KR20120101191A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020110010593A KR20120101191A (en) 2011-02-07 2011-02-07 Method of exchanging an used coupon

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020110010593A KR20120101191A (en) 2011-02-07 2011-02-07 Method of exchanging an used coupon

Publications (1)

Publication Number Publication Date
KR20120101191A true KR20120101191A (en) 2012-09-13

Family

ID=47110435

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020110010593A KR20120101191A (en) 2011-02-07 2011-02-07 Method of exchanging an used coupon

Country Status (1)

Country Link
KR (1) KR20120101191A (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190005583A (en) * 2017-07-07 2019-01-16 한국선불카드 주식회사 unused Coupon transaction Service system
WO2021075600A1 (en) * 2019-10-17 2021-04-22 주식회사 플랫포스 Terminal for providing safe gift-certificate reselling transaction interface and method for operating same
WO2021075601A1 (en) * 2019-10-17 2021-04-22 주식회사 플랫포스 System for providing secondhand gift card service
WO2021075598A1 (en) * 2019-10-17 2021-04-22 주식회사 플랫포스 Secondhand gift certificate service provision apparatus for providing safe secondhand gift certificate transaction, apparatus for transaction mediation service and operation method therefor

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190005583A (en) * 2017-07-07 2019-01-16 한국선불카드 주식회사 unused Coupon transaction Service system
WO2021075600A1 (en) * 2019-10-17 2021-04-22 주식회사 플랫포스 Terminal for providing safe gift-certificate reselling transaction interface and method for operating same
WO2021075601A1 (en) * 2019-10-17 2021-04-22 주식회사 플랫포스 System for providing secondhand gift card service
WO2021075598A1 (en) * 2019-10-17 2021-04-22 주식회사 플랫포스 Secondhand gift certificate service provision apparatus for providing safe secondhand gift certificate transaction, apparatus for transaction mediation service and operation method therefor

Similar Documents

Publication Publication Date Title
US7828206B2 (en) System and method for exchanging loyalty points for acquisitions
JP4685812B2 (en) Online coupon distribution method
JP5416404B2 (en) Information processing apparatus, information processing method, and information processing program
EP1252562A2 (en) Method and apparatus for conducting electronic commerce transactions using electronic tokens
WO2004114182A1 (en) Money amount returning device, money amount returning method, and money amount returning program
CN112561566B (en) Cross-border import store distributor shop platform system
KR20120101191A (en) Method of exchanging an used coupon
JPWO2009050825A1 (en) Affiliate system with linkage function with payment system
JP3632051B2 (en) Network payment processing system, network payment processing device, network payment processing method, and network payment processing program
KR20010078968A (en) Method for providing software ASP through the internet
KR20120087292A (en) A sales method of electronic commerce for discount ticket purchase under partially payment
JP2004021598A (en) Purchase information management system
KR20000058806A (en) A lot service system and method on the internet
KR20120101192A (en) Method of exchanging an used coupon
KR101591341B1 (en) Content providing system and method thereof
JP2009211125A (en) Affiliate system
KR20030043144A (en) A unified merchandising system using the internet
KR102548159B1 (en) Method for Making Payment Separation Approval Data
KR20000054200A (en) Advertising method on internet using credit card approval system
KR100593050B1 (en) A approval and buying method in internet e-mail and real time message
JP2002092458A (en) Sales system using privilege information transmitted through communication network
AU2004100978A4 (en) A method of and system for providing a payment to a purchaser having conducted a transaction
KR101526942B1 (en) Method and system of electronic commerce using contents code
KR20010088480A (en) Apparatus and Method for offering an original stock using E-commercial transaction
JP5031799B2 (en) Affiliate sales system

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application