KR20130097976A - Settlement system and method for a coupon of a card server - Google Patents

Settlement system and method for a coupon of a card server Download PDF

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KR20130097976A
KR20130097976A KR1020120019713A KR20120019713A KR20130097976A KR 20130097976 A KR20130097976 A KR 20130097976A KR 1020120019713 A KR1020120019713 A KR 1020120019713A KR 20120019713 A KR20120019713 A KR 20120019713A KR 20130097976 A KR20130097976 A KR 20130097976A
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coupon
payment
information
card
credit card
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KR1020120019713A
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Korean (ko)
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김광수
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주식회사 나이스홀딩스
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Priority to KR1020120019713A priority Critical patent/KR20130097976A/en
Publication of KR20130097976A publication Critical patent/KR20130097976A/en

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    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A coupon payment system of a card company server and a method thereof are provided to encourage a client to use coupons by implementing coupon payment using a credit card when handling a payment for a purchase at an offline store. CONSTITUTION: A card payment processing part (120) pays payment amount included in payment amount information for a credit card corresponding to credit card information included in received coupon issuing request information. A coupon generating part (130) generates a coupon number and coupon issuing approval information according to the success of the credit card payment processing. A product purchase request receiving part (140) receives a product purchase payment request information through a value added network (VAN) company server. A coupon searching part (150) searches a coupon number corresponding to credit card information included in the product purchase payment request information at a coupon DB. If the coupon number exists, a coupon payment processing part (160) process the payment of coupons. [Reference numerals] (110) Unit for receiving the demand for issuing a coupon; (120) Card payment processing part; (130) Coupon generating part; (140) Product purchase request receiving part; (150) Coupon searching part; (160) Coupon payment processing part; (170) Payment synchronizing unit; (AA) Coupon DB

Description

Settlement system and method for a coupon of a card server}

The present invention relates to a coupon payment technology, and more particularly to a coupon payment system and method of the card company server.

In the case of receiving a payment approval request message from a terminal provided in an affiliated store in Korean Patent Publication No. 10-2010-0061933 (2010.06.10), if there is a request to use a coupon on the received payment approval request message, the financial account held by the merchant If a coupon corresponding to the coupon use request is deposited in the bank, a technique for processing a payment amount after deducting the value corresponding to the coupon is proposed.

Such conventional technologies are technologies in which a customer discounts a payment amount using a discount coupon purchased or assigned by a merchant. In the conventional art, in order to use a discount coupon personally purchased by a customer, a product such as an item or a service at a merchant is used. When paying for a purchase, you had to present a coupon or enter a coupon number.

When paying for goods or services, such as goods or services at offline merchants, they are often reluctant to use coupons because of the lack of awareness of their face or surroundings, and customers are often reluctant to purchase coupons.

For this reason, if a payment is made using a credit card when paying for a product purchase at an offline merchant, the credit card payment customer and the coupon payment customer are not distinguished from each other in appearance, so the customer can freely use the coupon. It will also increase usage.

Korean Patent Publication No. 10-2010-0061933 (2010.06.10)

The present invention has been invented under the above-mentioned purpose, and the coupon payment system of the card company server to allow the payment of coupons using a credit card when paying for the purchase of goods at an offline merchant so that credit card payment customers and coupon payment customers are not distinguished in appearance. And to provide a method.

According to an aspect of the present invention for achieving the above object, the coupon payment system implemented in the card company server processes the approval for the coupon purchase of the customer in accordance with the coupon purchase request from the online merchant terminal, the credit card of the customer Generate and store coupon number corresponding to the information in advance, and when receiving the product purchase payment request information from the offline merchant terminal, it is determined whether the coupon number corresponding to the credit card information of the corresponding customer to process the coupon payment if present. It is done.

The present invention is implemented to enable the payment of coupons using a credit card at the time of payment for merchandise purchase in offline merchants, so customers can use the coupons without any distinction between credit card payment customers and coupon payment customers. It has a useful effect.

1 is a schematic diagram of a network connection of a coupon payment system of a card company server according to the present invention.
2 is a block diagram showing the configuration of an embodiment of a coupon payment system of the card company server according to the present invention.
3 is a flowchart illustrating the configuration of an embodiment of a coupon payment method of a card company server according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention and can be sufficiently modified according to the intentions and customs of the user or operator. It should be based on the contents of.

1 is a schematic diagram of a network connection of a coupon payment system of a card company server according to the present invention. As shown in FIG. 1, the coupon payment system 100 is implemented in the card company server 10 and interworked with the bansa server 40. Bansa server 40 is further linked to the online merchant terminal 20 and the offline merchant terminal 30.

Coupon payment system 100 of the card company server 10 receives the coupon purchase request from the online merchant terminal 20 through the bansa server 40 to process the approval of the customer's coupon purchase, the customer's credit card Generate and store a coupon number corresponding to the information in advance, and when receiving the product purchase payment request information from the offline merchant terminal 30 through the bansa server 40, it is determined whether there is a coupon number corresponding to the credit card information of the customer If present, the coupon payment process.

Accordingly, the present invention implements payment by using a credit card when paying for a product purchase in an offline merchant, so that the credit card payment customer and the coupon payment customer are not distinguished in appearance, so the customer can use the coupon casually. Can encourage use.

2 is a block diagram showing the configuration of an embodiment of a coupon payment system of the card company server according to the present invention. As shown in FIG. 2, the coupon payment system 100 of the card company server according to this embodiment includes a coupon issuance request receiver 110, a card payment processor 120, a coupon generator 130, and a product purchase. It includes a request receiving unit 140, a coupon search unit 150, and a coupon payment processing unit 160.

The coupon issuance request receiving unit 110 bans the coupon issuance request information, including the coupon identification information, credit card information, online merchant identification information and payment amount information transmitted from the online merchant terminal 20 providing the coupon information It receives through the server 40.

For example, the online merchant terminal 20 may be a web server, an app store, or the like. Coupon identification information is a unique array of letters or numbers or a combination of these, information for identifying the type of coupon. Credit card information is a unique serial number that includes a credit card number. The online merchant identification information may be a unique letter or number given to the online merchant terminal 20 or a serial arrangement combining them.

A user connected to an online merchant terminal 20 providing coupon information through a user terminal (not shown) such as a PC, a mobile phone, or a smartphone reads the coupon information and selects a coupon to be purchased.

The online merchant terminal 20 requests credit card information input to a user terminal for credit card payment for a coupon purchase, and when credit card information is input from the user terminal, coupon identification information of the selected coupon and input credit card information And, the coupon issuance request information including the online merchant identification information and payment amount information of the selected coupon is transmitted to the coupon payment system 100 of the card company server 10 through the bansa server (40).

Then, the coupon payment system 100 of the card company server includes coupon identification information, credit card information, online merchant identification information and payment amount information transmitted from the online merchant terminal 20 through the coupon issuance request receiving unit 110. Receive coupon issuance request information.

The card payment processing unit 120 processes the payment amount included in the payment amount information for the credit card corresponding to the credit card information included in the coupon issuance request information received by the coupon issuance request receiving unit 110.

When the coupon issuance request information is received by the coupon issuance request receiving unit 110, the card payment processing unit 120 is included in the payment amount information for the credit card corresponding to the credit card information included in the coupon issuance request information. The payment is processed to approve the credit card payment for the coupon purchase.

The coupon generation unit 130 generates a coupon number and coupon issuance approval information corresponding to the credit card information and stores in the coupon DB when the credit card payment processing for the coupon issuance is successful by the card payment processing unit 120. .

The coupon number may be a unique letter or number or a serial arrangement combining them, and may be stored in match with coupon identification information for identifying the type of coupon. The coupon issuance approval information is information indicating that the credit card payment for the purchase of the coupon is approved.

At this time, the coupon generation unit 130 may be implemented to generate a coupon number using an irreversible function that uses the credit card information as a seed (Seed) value. Accordingly, the coupon number corresponding to the credit card information can be stored in the coupon DB without exposing the credit card information of the customer.

For example, the irreversible function may use a function used to verify data integrity by creating a message abbreviation such as message digest 5 (MD-5), secure hash algorithm 1 (SHA-1), or the like.

The merchandise purchase request receiver 140 receives the merchandise purchase payment request information including the credit card information transmitted from the offline merchant terminal 30 and the offline merchant identification information and the payment amount information through the bansa server 40.

For example, suppose that a customer purchases a discount coupon that can be used at a particular offline restaurant, and the coupon generator 130 stores the coupon number corresponding to the credit card information of the customer in the coupon DB.

When the customer visits the offline dining establishment and pays with a credit card after eating out, the product purchase payment request information including the credit card information, the offline merchant identification information, and the payment amount information is bansa server from the offline merchant terminal 30. 40, the bansa server 40 transmits it to the card company server 10.

Then, the coupon payment system 100 of the card company server 10 includes the credit card information transmitted from the offline merchant terminal 30 through the product purchase request receiving unit 140, offline merchant identification information and payment amount information Receive payment request information of product purchase.

The coupon search unit 150 searches for the coupon DB whether there is a coupon number corresponding to credit card information included in the product purchase payment request information received by the product purchase request receiver 140.

At this time, the coupon search unit 150 temporarily generates a coupon number using an irreversible function that uses the credit card information as a seed value, and determines whether the coupon DB corresponding to the temporarily generated coupon number exists. It can be implemented to search and judge.

For example, the irreversible function may use a function used to verify data integrity by creating a message abbreviation such as message digest 5 (MD-5), secure hash algorithm 1 (SHA-1), or the like.

At this time, it may be implemented to check whether the coupon can be used in the offline affiliated store by using the coupon identification information for identifying the type of coupon that is matched with the coupon number and stored.

If the coupon payment processing unit 160 determines that there is a coupon number corresponding to the credit card information included in the product purchase payment request information, the coupon search unit 150 processes the coupon payment.

If it is determined by the coupon search unit 150 that the coupon number corresponding to the credit card information included in the product purchase payment request information does not exist, the coupon payment system 100 of the card company server 10 may settle the card. The credit card payment approval process is performed through the processor 120.

On the other hand, when the payment amount included in the product purchase payment request information is larger than the payment amount included in the coupon issuance approval information, the coupon payment system 100 first processes the coupon payment through the coupon payment processing unit 160. And, the remaining amount may be implemented to perform a normal credit card payment approval processing through the card payment processing unit 120.

By implementing in this way, the present invention can be used to pay coupons using a credit card when paying for the purchase of goods in an offline merchant, credit card payment customers and coupon payment customers are not distinguished in appearance can use the coupon casually, Therefore, the use of coupons can be encouraged.

On the other hand, according to an additional aspect of the present invention, when the coupon payment processing unit 160, the coupon payment approval, generates the card payment approval information for the card payment slip output by the bansa server 40 through the corresponding offline merchant terminal 30 ) Can be implemented.

This embodiment is an embodiment in which a normal credit card payment approval slip is output even when the coupon payment is processed. When the coupon payment processing unit 160 approves the coupon payment, a card having the same format as a normal credit card payment approval slip is output. The payment approval information is generated and transmitted to the corresponding offline affiliated store terminal 30.

Meanwhile, according to an additional aspect of the present invention, the coupon payment system 100 of the card company server may further include a payment synchronization unit 170. The payment synchronization unit 170 prevents double payment by synchronizing the coupon issuance approval information generated by the coupon generation unit 130 and the card payment approval information generated by the coupon payment processing unit 160.

When a credit card payment for a coupon purchase and a coupon payment for a product purchase are processed using a credit card, a duplicate payment occurs for the user. In order to prevent such a double payment, the payment synchronization unit 170 synchronizes the coupon issuance approval information generated by the coupon generation unit 130 and the card payment approval information generated by the coupon payment processing unit 160 to generate one. Process it as a payment.

For example, when coupon issuance approval information corresponding to specific credit card information is stored, and card payment authorization information corresponding to the same credit card information is received, the payment synchronization unit 170 approves the coupon issuance approval information and card payment approval. The information may be synchronized to be processed as one new card payment approval information. Accordingly, it is possible to solve the double payment problem that occurs when the credit card payment for the coupon purchase, and coupon payment for the product purchase using a credit card.

Referring to Figure 3 looks at the coupon payment operation of the coupon payment system of the card company server as described above. 3 is a flowchart illustrating the configuration of an embodiment of a coupon payment method of a card company server according to the present invention.

A user who accesses an online merchant terminal providing coupon information through a user terminal (not shown in the drawing) such as a PC or a mobile phone or a smartphone reads the coupon information and selects a coupon that he / she wants to purchase.

The online merchant terminal requests credit card information input to a user terminal for credit card payment for a coupon purchase, and when credit card information is input from the user terminal, the coupon identification information of the selected coupon, the input credit card information, and online The coupon issuance request information including the merchant identification information and the payment amount information of the selected coupon is transmitted to the coupon payment system of the card company server through the Bansa server.

Then, the coupon payment system of the card company server includes coupon identification information, credit card information, online merchant identification information and payment amount information transmitted from the online merchant terminal providing the coupon information in the coupon issuance request receiving step 310 Receive coupon issuance request information through the Bansa server.

Then, the coupon payment system of the card company server payment amount for the credit card corresponding to the credit card information included in the coupon issuance request information received by the coupon issuance request receiving step 310 in the card payment processing step 320 Settle the payment amount included in the information. Since the credit card payment processing for the coupon purchase has been described above, duplicate description will be omitted.

Then, when the coupon payment system of the card company server succeeds in processing the credit card payment for the coupon issuance by the card payment processing step 320 in the coupon generation step 330, the coupon number and coupon issuance corresponding to the corresponding credit card information Create approval information and store it in the coupon DB.

Then, when the coupon payment system of the card company server in the coupon generation step 330, the credit card payment approval approval for the purchase of the coupon by the card payment processing step 320, generates a coupon number corresponding to the credit card information Save to DB.

At this time, in the coupon generation step 330, the coupon payment system of the card company server may be implemented to generate the coupon number using an irreversible function that uses the credit card information as a seed (Seed) value.

As the irreversible function, a message abbreviation such as message digest 5 (MD-5) or secure hash algorithm 1 (SHA-1) may be used to verify a data integrity.

In this state, when a customer visits a specific offline merchant to purchase a product and pay using a credit card, the product purchase payment request information including credit card information, offline merchant identification information, and payment amount information is received from the offline merchant terminal. It is sent to the bansa server, which sends it to the card company server.

Then, the coupon payment system of the card company server receives the product purchase payment request information, including the credit card information transmitted from the offline merchant terminal in the product purchase request receiving step 340, offline merchant identification information and payment amount information through the bansa server Receive.

Then, the coupon payment system of the card company server in the coupon search step 350 if the coupon number corresponding to the credit card information included in the product purchase payment request information received by the product purchase request receiving step 340 is Search the coupon DB.

At this time, in the coupon retrieval step 350, the coupon payment system of the card company server temporarily generates a coupon number using an irreversible function using the credit card information as a seed value, and the coupon number corresponding to the temporarily generated coupon number. It can be implemented to search and determine the coupon DB exists.

As the irreversible function, a message abbreviation such as message digest 5 (MD-5) or secure hash algorithm 1 (SHA-1) may be used to verify a data integrity.

Next, when the coupon payment system of the card company server determines that there is a coupon number corresponding to the credit card information included in the product purchase payment request information by the coupon search step 350, in the coupon payment processing step 360 Process coupon payment.

If it is determined that the coupon number corresponding to the credit card information included in the product purchase payment request information does not exist by the coupon search step 350, the coupon payment system of the card company server performs the card payment processing step 370. Normal credit card payment authorization processing is performed.

On the other hand, if the payment amount included in the product purchase payment request information is larger than the payment amount included in the coupon issuance approval information, the coupon payment system of the card company server first, the coupon payment through the coupon payment processing step 360 And the remaining amount may be implemented to perform the normal credit card payment approval processing through the card payment processing step 370.

By implementing in this way, the present invention can be used to pay coupons using a credit card when paying for the purchase of goods in an offline merchant, credit card payment customers and coupon payment customers are not distinguished in appearance can use the coupon casually, Therefore, the use of coupons can be encouraged.

On the other hand, according to an additional aspect of the present invention, when the coupon payment approval in the coupon payment processing step 360, the coupon payment system of the card company server generates the card payment approval information for outputting the card payment slip through the bansa server It can be implemented to transmit to the offline merchant terminal.

This embodiment is an embodiment in which a normal credit card payment approval slip is output even when a coupon payment is processed. When the coupon payment processing step 360 is approved for a coupon payment, the coupon payment system of the card company server is a normal credit card. The card payment approval information of the same format as the payment approval slip is generated and transmitted to the corresponding offline merchant terminal.

Meanwhile, according to an additional aspect of the present invention, the coupon payment system 100 of the card company server may further include a payment synchronization step 365. In the payment synchronization step 365, the coupon payment system of the card company server synchronizes the coupon issuance approval information generated by the coupon generation step 330 and the card payment approval information generated by the coupon payment processing step 360 to double-pay. To prevent.

When a credit card payment for a coupon purchase and a coupon payment for a product purchase are processed using a credit card, a duplicate payment occurs for the user. In order to prevent such a duplicate payment, by synchronizing the coupon issuance approval information generated by the coupon generation step 330 in the payment synchronization step 365 and the card payment authorization information generated by the coupon payment processing step 360 one Will be processed as payment.

For example, when coupon issuance approval information corresponding to specific credit card information is stored, and card payment authorization information corresponding to the same credit card information is received, the payment synchronization step 365 may apply the coupon issuance approval information and card payment approval. The information may be synchronized to be processed as one new card payment approval information. Accordingly, it is possible to solve the double payment problem that occurs when the credit card payment for the coupon purchase, and coupon payment for the product purchase using a credit card.

As described above, in the present invention, coupon payment is possible using a credit card at the time of payment for a product purchase in an offline merchant, and credit card payment customers and coupon payment customers are not distinguished in appearance, and customers can use the coupon casually, Accordingly, the use of the coupon can be encouraged, thereby achieving the object of the present invention presented above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .

The present invention can be used industrially in the coupon payment technology and its application technology.

10: card company server 20: online merchant terminal
30: offline merchant terminal 40: Bansa server
100: coupon payment system 110: coupon issuance request receiving unit
120: card payment processing unit 130: coupon generation unit
140: product purchase request receiving unit 150: coupon search unit
160: coupon payment processing unit 170: coupon payment control unit

Claims (10)

A coupon issuance request receiving unit for receiving coupon issuance request information including coupon identification information, credit card information, online merchant identification information and payment amount information transmitted from an online merchant terminal providing coupon information through a Bansa server;
A card payment processing unit for processing a payment amount included in payment amount information for a credit card corresponding to credit card information included in the coupon issuance request information received by the coupon issuance request receiving unit;
A coupon generation unit generating a coupon number and coupon issuance approval information corresponding to the credit card information and storing the coupon number in a coupon DB when the credit card payment processing is successful by the card settlement processing unit;
A product purchase request receiving unit configured to receive, through a Bansa server, product purchase payment request information including credit card information transmitted from an offline merchant terminal and offline merchant identification information and payment amount information;
A coupon searching unit searching for the coupon DB whether a coupon number corresponding to credit card information included in the product purchase payment request information received by the product purchase request receiving unit exists;
A coupon payment processing unit for processing a coupon payment when it is determined by the coupon search unit that a coupon number corresponding to the credit card information included in the product purchase payment request information exists;
Coupon payment system of the card company server comprising the. The method of claim 1,
The coupon generation unit:
Coupon payment system of the card company server, characterized in that for generating a coupon number using an irreversible function that uses the credit card information as a seed (Seed) value. 3. The method of claim 2,
The coupon search unit:
Coupon payment of the card company server, characterized in that for temporarily generating a coupon number by using a non-reversible function with the seed value of the credit card information, and searching the coupon DB whether there is a coupon number corresponding to the temporarily generated coupon number system. The method of claim 1,
The coupon payment processing unit:
The coupon payment system of the card company server, characterized in that for generating the card payment approval information for printing the payment card payment, and transmits to the offline merchant terminal through the Bansa server. 5. The method of claim 4,
Coupon payment system of card company server:
A payment synchronization unit for preventing double payment by synchronizing the coupon issuance approval information generated by the coupon generation unit and the card payment approval information generated by the coupon payment processing unit;
Coupon payment system of the card company server further comprising. The coupon payment system of the card company server receives the coupon issuance request information, including the coupon identification information, credit card information, online merchant identification information and payment amount information transmitted from the online merchant terminal providing the coupon information through the bansa server Receiving a coupon issuance request;
The card payment processing step of processing the payment amount contained in the payment amount information for the credit card corresponding to the credit card information included in the coupon issuance request information received by the coupon issuance request receiving step by the card company server Wow;
Coupon generation step of generating a coupon number and coupon issuance approval information corresponding to the credit card information when the coupon payment system of the card company server, the credit card payment processing success by the card payment processing step and stores in the coupon DB Wow;
A product purchase request receiving step, wherein the coupon payment system of the card company server receives the product purchase payment request information including the credit card information transmitted from the offline merchant terminal and the offline merchant identification information and the payment amount information through the bansa server;
A coupon search step of searching for the coupon DB by the coupon settlement system of a card company server whether a coupon number corresponding to credit card information included in the product purchase payment request information received by the product purchase request reception step exists;
If the coupon payment system of the card company server determines that there is a coupon number corresponding to the credit card information included in the product purchase payment request information by the coupon search step, the coupon payment processing step of processing the coupon payment;
Coupon payment method of the card company server comprising the. The method according to claim 6,
In the coupon generation step:
Coupon payment method of the card company server, characterized in that for generating a coupon number using an irreversible function of the credit card information as a seed (Seed). The method of claim 7, wherein
In the coupon search step:
The coupon settlement system of the card company server temporarily generates a coupon number using an irreversible function using the credit card information as a seed value, and searches the coupon DB to determine whether there is a coupon number corresponding to the temporarily generated coupon number. Coupon payment method of the card company server. The method according to claim 6,
In the coupon payment processing step:
Coupon payment method of the card company server, when the coupon payment approval system of the card company server, the card payment approval information for outputting the card payment slip is generated and transmitted to the offline merchant terminal through the Bansa server. The method of claim 9,
A payment synchronization step of preventing a double payment by synchronizing the coupon issuance approval information generated by the coupon generation step and the card payment approval information generated by the coupon payment processing step by the coupon payment system of a card company server;
Coupon payment method of the card company server further comprising.
KR1020120019713A 2012-02-27 2012-02-27 Settlement system and method for a coupon of a card server KR20130097976A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023210845A1 (en) * 2022-04-27 2023-11-02 쿠팡 주식회사 Method and terminal device for providing benefit information by using information about credit card

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023210845A1 (en) * 2022-04-27 2023-11-02 쿠팡 주식회사 Method and terminal device for providing benefit information by using information about credit card

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