KR20150099645A - System, method for management of coupon and system for management for merchant - Google Patents

System, method for management of coupon and system for management for merchant Download PDF

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Publication number
KR20150099645A
KR20150099645A KR1020140020450A KR20140020450A KR20150099645A KR 20150099645 A KR20150099645 A KR 20150099645A KR 1020140020450 A KR1020140020450 A KR 1020140020450A KR 20140020450 A KR20140020450 A KR 20140020450A KR 20150099645 A KR20150099645 A KR 20150099645A
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South Korea
Prior art keywords
coupon
merchant
customer
financial
management system
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KR1020140020450A
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Korean (ko)
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이성곤
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주식회사 하나은행
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Priority to KR1020140020450A priority Critical patent/KR20150099645A/en
Publication of KR20150099645A publication Critical patent/KR20150099645A/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
    • 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
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

An accumulation processing unit for accumulating a user's customer's performance with respect to an employer in accordance with a communication result between the provider terminal and the user terminal according to the present invention; a storage unit for storing the accumulated contents; And an information providing unit for providing the contents.

Description

TECHNICAL FIELD [0001] The present invention relates to a coupon processing system, a coupon processing system, a merchant management system,

The present invention relates to a coupon processing system, a merchant management system, and a coupon processing method.

A company that sells a variety of goods or services to its customers records their purchasing performance or visit performance in order to induce the next purchase or visit to the customer who visited the business and purchased the product or service. It provides various additional services. The target of implementing such a service is called a coupon.

In general, the coupon can be used when the follow-up purchasing activity is performed on the coupon issuer. However, if coupons issued in this manner are used only in a limited manner, the use of coupons may deteriorate from a customer's point of view. In particular, when a company issuing a coupon has a small business location, the utilization of the coupon is low, and the effect of large-customer marketing using the coupon drops. For example, each merchant selling a product in a traditional market would like to issue a coupon in order to induce a customer's purchase, but it was difficult to activate due to the problem of coupon usage.

The technical problem to be solved by the present invention is to provide a merchant who sells products or services in a traditional market, coupons that can be used jointly by a group, and coupon usage to an affiliated financial institution, And to facilitate the transaction and customer convenience.

The coupon processing system according to an embodiment of the present invention includes a coupon management unit for receiving a financial service using a coupon provided from a trader in a traditional market, a financial transaction unit for providing the financial service to the customer using the coupon, And a payment processor for charging the merchant management system that has issued the coupon to the merchant in the traditional market.

The coupon management unit can confirm the validity of the coupon by checking whether the coupon is a coupon issued to the merchant by the merchant management system.

If the financial service is a remittance, the financial business unit may cancel the remittance fee based on the coupon.

If the financial service is a deposit of a savings product, a deposit product, and a loan product, the financial business unit may provide a preferential rate or a deposit amount corresponding to the product based on the coupon.

If the financial service is a currency exchange, the financial affairs department may provide exchange preferential treatment based on the coupon.

The coupon may include an electronic coupon and a real coupon.

The coupon can be valued as the customer contributes to the sales of the merchant.

According to another aspect of the present invention, there is provided a merchant management system including a coupon issuing unit for issuing a coupon to a merchant operating in a traditional market, a storage unit for storing the coupon information, And a payment processing unit for making a payment using the coupon from the coupon processing system.

The coupon can be valued as the customer contributes to the sales of the merchant.

The payment using the coupon can be received and substituted for the coupon issuing cost from the merchant.

A coupon processing method according to another embodiment of the present invention is a method for a coupon processing system to process a coupon held by a customer, the method comprising: receiving a financial service using a coupon provided from a trader in a traditional market, Providing the financial service to the customer using a coupon, and charging the coupon to the merchant management system that has issued the coupon to the merchant in the traditional market.

The step of providing the financial service may be performed when the validity of the coupon is confirmed by checking whether the coupon is a coupon issued to the merchant by the merchant management system.

The step of providing the financial service may include a step of removing the remittance fee based on the coupon while performing the remittance requested by the customer.

The step of providing the financial service may include a step of providing a deposit amount or an interest rate preference corresponding to a product based on the coupon when the customer requests to join the savings item, the deposit item, and the loan item.

The step of providing the financial service may include providing a currency exchange preferential treatment based on the coupon when the customer requests a currency exchange.

The coupon is issued with the merchant paying the merchant management system, and the value can be set as the customer contributes to the sales of the merchant.

According to the present invention, a trader who sells goods or services in a traditional market issues a coupon that can be used jointly by a group, and by providing an infrastructure in which a financial institution affiliated with a merchant can use a coupon to use financial services, By attracting customers to the market, the sales of the merchant can be increased and utilized as marketing. In addition, financial institutions can activate transactions with traders and attract traditional market users to new customers of financial institutions.

1 is a block diagram of an environment in which a coupon processing system operates in accordance with an embodiment of the present invention.
2 is a block diagram of a coupon processing system in accordance with an embodiment of the present invention.
3 is a block diagram of a merchant management system in accordance with one embodiment of the present invention.
4 is a flowchart of a coupon processing method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

A coupon processing system and a coupon processing method according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an environment in which a coupon processing system operates in accordance with an embodiment of the present invention.

Referring to FIG. 1, the coupon processing system 100 is a system that couples the merchant management system 200 to the customer terminal 400 or the customer using the coupon provided by the merchant terminal 300 or the merchant to the customer terminal 400 or the customer. A server that processes a coupon by providing a financial service, and may be a financial server operated by a financial institution. That is, the coupon processing system 100 establishes a coupon payment service contract with the merchant management system 200 and performs processing for the coupon. The coupon is a coupon issued by the merchant management system 200 to the merchant terminal 300 or merchant.

The merchant management system 200 is a management server operated by a merchant society that belongs to a plurality of merchants who sell services or goods in a traditional market for managing a traditional market. The merchant management system 200 issues a coupon to the merchant terminal 300 or a merchant, And pays the processing system 100 for the customer's use of the coupon.

The merchant terminal 300 is a terminal used by a merchant, which is a device through which a merchant connects and communicates with the merchant management system 200 via a network or communicates with a customer terminal 400. [ The merchant terminal 300 may be various communication devices such as various computers, a personal digital assistant (PDA), a mobile communication terminal including a smart phone, and a television (TV).

The customer terminal 400 is a terminal used by a customer who purchases merchandise or services in a traditional market, and is a device in which a customer connects to and communicates with the coupon processing system 100 and the merchant terminal 300 through a network. The customer terminal 400 may also be a variety of communication devices such as various computers, personal digital assistants, mobile communication terminals including smart phones, and televisions.

The coupon processing system will now be described in detail with reference to FIG.

2 is a block diagram of a coupon processing system in accordance with an embodiment of the present invention.

Referring to FIG. 2, the coupon processing system 100 includes a coupon management unit 110, a financial business unit, and a payment processing unit 130.

The coupon management unit 110 receives an application for coupon use from the customer terminal 400 and confirms whether the coupon is a coupon issued from the merchant management system 200 of the traditional market affiliated with the coupon processing system 100 .

If it is determined that the coupon issued by the merchant management system 200 is correct, the use of the coupon is approved. The coupon management unit 110 may receive coupon information issued from the merchant management system 200 and store the received coupon information. At this time, the coupon management unit 110 compares the stored coupon information with the coupon information received from the customer terminal 400 to check the validity of the coupon.

Meanwhile, the coupon managing unit 110 may receive the coupon information received from the customer terminal 400 to the merchant management system 200 to check the validity of the coupon.

At this time, the coupon may be a text composed of numbers or characters that can be stored in the user terminal, or a code such as a bar code or a QR code. In some cases, it may be in the form of real paper or the like, and the actual coupon may include an indicator for confirming authenticity.

The financial operation unit 120 provides and processes all financial transactions that can be generally assumed to the customer terminal 400 and processes the remittance to the mobile channel operated by the financial institution. 110 receives the coupon use approval from the customer terminal 400, the fee generated by the financial service provided to the customer terminal 400 is replaced with the coupon. For example, when the customer terminal 400 requests the remittance service from the financial service, the financial operation unit 120 may reduce the remittance fee based on the coupon. When the customer terminal 400 intends to subscribe to a financial product such as a savings product, a deposit product, or a loan product in the financial service, the financial business unit 120 transmits a preferential rate to the customer terminal 400 based on the coupon held by the customer terminal 400 Can be processed. When the customer terminal 400 wishes to subscribe to a financial product such as a savings product or a deposit product in the financial service, the financial operation unit 120 transmits a deposit product or a deposit product based on the coupon held by the customer terminal 400 Can be provided. When the customer terminal 400 intends to subscribe to a financial product such as a loan product among financial services, the financial operation unit 120 can provide the interest payment amount of the loan product based on the coupon held by the customer terminal 400 have. In addition, when the customer terminal 400 requests exchange of money in the financial service, the financial operation unit 120 may provide exchange preferential treatment to the customer terminal 400 based on the coupon.

At this time, the value of the coupon can be determined according to predetermined criteria. For example, if the unit price of one coupon is 100 won and the coupon number is 20, the cost of the financial service corresponding to 2,000 won can be deducted.

After the customer terminal 400 receives the financial service using the coupon, the payment processing unit 130 charges the merchant management system 200 for the used coupon. Then, the large-amount processing unit 130 deposits the coupon money from the merchant management system 200 and manages it. That is, when the financial operation unit 120 provides financial services corresponding to 2,000 won by using 20 coupons with one unit price of 100, the payment processing unit 130 sends a coupon to the merchant management system 200 for 2,000 won And receive payment.

The merchant management system according to one embodiment of the present invention will now be described in detail with reference to FIG.

3 is a block diagram of a merchant management system in accordance with one embodiment of the present invention.

3, the merchant management system 200 includes a coupon issuing unit 210, a storage unit 220, and a payment processing unit 230. [

The coupon issuing unit 210 issues a coupon to a merchant operating in a trader market managed by the merchant management system 200 and receives a payment for the coupon from the merchant terminal 300. [ At this time, the cost of the coupon may be a part of the merchant's sales, for example, one coupon per 100,000 won of sales can be set at 100 won.

The storage unit 220 stores coupon information issued by the coupon issuing unit 210, issued merchant information, and the like. When receiving the coupon validity determination request from the coupon processing system 100, the storage unit 220 can determine the validity of the coupon based on the stored coupon information.

When receiving the coupon payment from the coupon processing system 100, the payment processing unit 230 deposits the coupon payment to the coupon processing system 100. At this time, the coupon payment can be supplemented by the coupon cost received from the merchant terminal 300 by the coupon issuing unit 210. For example, the merchant management system 200 may open a dedicated account according to the financial service provided by the coupon processing system 100, and settle the coupon payment at a predetermined period using a dedicated account.

A coupon processing method according to an embodiment of the present invention will now be described in detail with reference to FIG.

4 is a flowchart of a coupon processing method according to an embodiment of the present invention.

Referring to FIG. 4, the merchant terminal 300 transmits a coupon purchase request to the merchant management system 200 (S410). Then, the merchant management system 200 issues a coupon to the merchant terminal 300 (S420). At this time, the price of the coupon is determined in advance by the merchant terminal 300 and the merchant management system 200, and the coupon includes various forms such as an electronic coupon and a real coupon such as paper. Steps S410 and S420 may be made directly offline by the merchant visiting the merchant management association.

Then, the merchant terminal 300 provides the merchant management system 200 with the cost of the coupon issued according to the predetermined criteria (S430).

Then, the merchant terminal 300 pays the coupon to the customer terminal 400 according to the purchasing activity of the merchant on the business floor of the merchant (S440). For example, if a customer buys a full item from a merchant, a coupon of 100 won can be paid.

Subsequently, the customer terminal 400 transmits a use request to the coupon management system 100 by using the coupon acquired by the customer terminal 400 (S450). That is, the customer terminal 400 requests that the coupon management system 100 replace the cost of issuing the financial service provided by the coupon management system 100 with the acquired coupon.

Then, the coupon management system 100 provides the financial service requested to the customer terminal 400 and deducts the coupon, thereby paying the benefit according to the coupon (S460). At this time, the coupon management system 100 can determine the validity of the coupon submitted by the customer terminal 400 or can ask the merchant management system 200 for confirmation.

Subsequently, the coupon management system 100 requests the merchant management system 200 for coupon payment corresponding to the coupon used by the customer terminal 400 (S470).

Then, the merchant management system 200 checks whether the coupon used by the customer terminal 400 through the coupon processing system 100 is valid (S480) and deposits the coupon payment to the coupon management system 100 (S490) .

As described above, according to an embodiment of the present invention, a merchant who sells goods or services in a traditional market can issue coupons that can be jointly used by a group, and a financial institution affiliated with a merchant can use financial services using coupons Infrastructure can be provided. This will increase the sales of merchants by inducing customers to the traditional market, and can use the coupon as a marketing tool in the traditional market. Also, the financial institution, which is the operator of the coupon processing system 100, can activate the financial transaction with the merchant and attract the customer using the traditional market to the new customer of the financial institution. In addition, customers can benefit from the financial benefits of the traditional market based on financial benefits.

The embodiments of the present invention described above are not implemented only 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. Such a recording medium can be executed not only on a server but also on a user terminal.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (16)

A coupon management unit for receiving a financial service using a coupon provided from a trader in a traditional market,
A financial transaction unit for providing the financial service to the customer utilizing the coupon, and
The merchant management system that has issued the coupon to the merchant in the traditional market,
The coupon processing system comprising: The method of claim 1,
The coupon management unit,
And confirms whether the coupon is a coupon issued to the merchant by the merchant management system and confirms the validity of the coupon
Coupon handling system. The method of claim 1,
The financial business unit,
If the financial service is a remittance, the remittance fee is deducted based on the coupon
Coupon handling system. The method of claim 1,
The financial business unit,
If the financial service is a subscription of a savings product, a deposit product, or a loan product, a preferential rate or a deposit amount corresponding to the product is provided based on the coupon
Coupon handling system. The method of claim 1,
The financial business unit,
If the financial service is a currency exchange, a money exchange preferential treatment is provided based on the coupon
Coupon handling system. The method of claim 1,
Wherein the coupon includes an electronic coupon and a real coupon. The method of claim 1,
Wherein the coupon is determined based on a contribution of the customer to the sales of the merchant. A coupon issuing unit for issuing a coupon to a trader operating in a traditional market,
A storage unit for storing the coupon information, and
A coupon processing system in which a merchant customer requests payment of the coupon from the coupon processing system and deposits the coupon,
Lt; / RTI > 9. The method of claim 8,
The coupon is a value determined by the customer's contribution to the merchant's sales
Merchant Management System. 9. The method of claim 8,
The payment using the coupon is received from the merchant by receiving the coupon issuing cost
Merchant Management System. A method for a coupon processing system to process a coupon held by a customer,
Receiving a request from a customer for a financial service using the coupon provided from a trader in a traditional market,
Providing the financial service to the customer using the coupon; and
Billing the merchant management system that issued the coupon to the merchant in the traditional market
The method comprising: 12. The method of claim 11,
The providing of financial services may include:
When the validity of the coupon is confirmed by checking whether the coupon is a coupon issued to the merchant by the merchant management system
How to process a coupon. 12. The method of claim 11,
The providing of financial services may include:
And transferring the remittance fee based on the coupon while performing the remittance requested by the customer
The method comprising: 12. The method of claim 11,
The providing of financial services may include:
When the customer requests to join the savings product, the deposit product and the loan product, providing the rate preference based on the coupon
The method comprising: 12. The method of claim 11,
The providing of financial services may include:
If the customer requests a currency exchange, providing a currency exchange preferential treatment based on the coupon
The method comprising: 12. The method of claim 11,
The coupon being issued to the merchant by the merchant management system,
Value is determined as the customer contributes to the sales of the merchant
How to process a coupon.
KR1020140020450A 2014-02-21 2014-02-21 System, method for management of coupon and system for management for merchant KR20150099645A (en)

Priority Applications (1)

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KR1020140020450A KR20150099645A (en) 2014-02-21 2014-02-21 System, method for management of coupon and system for management for merchant

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020140020450A KR20150099645A (en) 2014-02-21 2014-02-21 System, method for management of coupon and system for management for merchant

Publications (1)

Publication Number Publication Date
KR20150099645A true KR20150099645A (en) 2015-09-01

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Country Link
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