KR20160122079A - System providing payment service offering discount, method thereof and computer recordable medium storing the method - Google Patents

System providing payment service offering discount, method thereof and computer recordable medium storing the method Download PDF

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Publication number
KR20160122079A
KR20160122079A KR1020160044332A KR20160044332A KR20160122079A KR 20160122079 A KR20160122079 A KR 20160122079A KR 1020160044332 A KR1020160044332 A KR 1020160044332A KR 20160044332 A KR20160044332 A KR 20160044332A KR 20160122079 A KR20160122079 A KR 20160122079A
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South Korea
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information
discount
user
amount
payment
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KR1020160044332A
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Korean (ko)
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장승웅
Original Assignee
주식회사 열심히커뮤니케이션즈
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Publication of KR20160122079A publication Critical patent/KR20160122079A/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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0252—Targeted advertisements based on events or environment, e.g. weather or festivals
    • 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
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0261—Targeted advertisements based on user location
    • 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
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0269—Targeted advertisements based on user profile or attribute
    • 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
    • G06Q30/0241—Advertisements
    • G06Q30/0277—Online advertisement

Abstract

The present invention relates to a system for providing a payment service offering discount, to a method therefor, and to a computer-readable recording medium having the same method recorded therein, wherein discount is offered immediately depending on participation in an event or membership of a portal site during payment in electronic commerce. The system for providing a payment service offering discount comprises: a first transmission and reception part for receiving a payment request message for a specific product in electronic commerce from a user terminal, transmitting a user information input request message in accordance with the payment request message, and receiving user information in accordance with the user information input request message; a first storage part for storing one or more advertisers who offer discount for each user type, guidance information provided by the advertisers, and a discount amount in accordance with the guidance information; and a first control part for generating a user information input request message in accordance with the payment request message, extracting the user type from the user information, generating discount information including one or more pieces of the guidance information in accordance with the user type of the first storage part and the one or more discount amounts, and transmitting the generated discount information through the first transmission and reception part. The first transmission and reception part receives information on one or more selected discount amounts in accordance with the discount information from the user terminal, and the first control part determines the amount of payment to be an amount obtained by subtracting the total sum of the selected discount amounts from the price of the specific product.

Description

TECHNICAL FIELD [0001] The present invention relates to a discount payment service providing system, a method therefor, and a computer readable recording medium on which the method is recorded.

The present invention relates to a discount payment service providing system, a method therefor and a computer readable recording medium on which the method is recorded. More particularly, the present invention relates to a discount payment service providing system, And a computer-readable recording medium on which the method is recorded.

As the Internet has become popular recently, consumers can easily search for and purchase desired products and services online. As the e - commerce market is activated, corporate marketing and advertising activities are actively performed online.

That is, for effective marketing, a consumer who agrees to receive guidance information of a product or service of an advertiser may issue a predetermined coupon that can receive a discount on the amount of the commodity, or may provide a reserve Or advertising information about an enterprise product or service is being introduced.

However, in the past, when the consumer agrees to receive the service or the advertisement information, the price is paid in the form of a reserve that can be used at a later date. There is a problem that it is difficult to be given.

Korean Patent Publication No. 10-2013-0131630

SUMMARY OF THE INVENTION The present invention has been proposed in order to solve the problems of the prior art, and it is an object of the present invention to provide various benefits such as instant discounts at the time of payment of a product selected by a consumer when a consumer of an electronic commerce agrees to receive a service or product advertisement information provided by the advertiser And a computer-readable recording medium on which the method is recorded.

In addition, the present invention provides a discount settlement service providing system that enables a consumer to select whether to agree to receive a plurality of pieces of advertisement information and provides a convenience of increasing a discount amount as the user agrees to receiving a large number of pieces of advertisement information. And a computer-readable recording medium on which the method is recorded.

Meanwhile, the present invention extracts only an event that can receive a deposit when receiving advertisement information according to the type of consumer desired by the advertiser, for example, the age and sex of the consumer, And a computer-readable recording medium on which the method is recorded.

According to an aspect of the present invention, there is provided a method for transmitting a payment request message, the method comprising: receiving a payment request message for a specific product on an electronic commerce from a user terminal; transmitting a user information input request message according to the payment request message; A first transceiver for receiving user information according to an input request message; A first storage unit for storing at least one advertiser providing a discount for each user type, guide information provided by the advertiser, and a discounted amount according to the guide information; The method of claim 1, further comprising: generating a user information input request message according to the settlement request message, extracting the user type from the user information, generating at least one guide information according to the user type of the first storage, And a first control unit for transmitting the generated discount information through the first transmission / reception unit, wherein the first transmission / reception unit receives from the user terminal at least one selected discount amount And the first control unit judges the amount obtained by subtracting the total sum of the selected discounted amount from the amount of the specific commodity as the settlement amount.

In addition, the first storage unit stores the member's personal information of the previously registered member and the settlement point corresponding to the member personal information, and the first control unit compares the user information with the member personal information, As the results do not match, the subscription request information may be included in the discount information.

In order to achieve the above object, an embodiment of the present invention may further include an integrated portal server for managing information of the previously registered member, and the first control unit may be configured to, Information on at least one selected discount amount according to the information can be transmitted to the integrated portal server through the first transceiver.

The information on at least one selected discount amount according to the discount information may include a page value of an interface screen provided when the user terminal selects a discount amount.

According to another aspect of the present invention, there is provided a payment gateway server for transmitting a settlement request message for a specific commodity on an electronic commerce to a payment gateway server, receiving a user information input request message according to the settlement request message, A second transceiver for transmitting user information corresponding to the user information input request message and receiving discount information according to the user information; An input unit that receives the user information and receives information on at least one selected discount amount according to the discount information; And transmits the user information inputted through the input unit and the information on the at least one selected discount amount through the second transceiver, and subtracts the sum of the at least one selected discount amount from the amount of the specific commodity The discount information may include at least one guide information and at least one discount amount corresponding to the guide information.

In addition, the user information may include a mobile phone number, a date of birth, and a gender.

According to another aspect of the present invention, there is provided a computer program for causing a computer to function as: a display unit for displaying discount information; and a second control unit for summing the at least one selected discount amount, Can be displayed through the display unit.

The first transmission / reception unit receives the payment request message from the second transmission / reception unit, transmits the user information input request message according to the payment request message, and receives the user information according to the user information input request message. ; A first storage unit for storing at least one advertiser providing a discount for each user type, guide information provided by the advertiser, and a discounted amount according to the guide information; And extracting the user type from the user information, generating at least one guide information according to the user type and at least one of the discounts according to the user type from the first storage, And a first control unit configured to generate discount information including an amount of money and to transmit the generated discount information through the first transmission / reception unit, wherein the first transmission / reception unit receives, from the second transmission / reception unit, The first control unit may determine the amount of the selected commodity minus the sum of the selected discounted amounts as the settlement amount.

Meanwhile, the first storage unit stores the member personal information of the previously registered member and the settlement point corresponding to the member personal information, and the first control unit compares the user information with the member personal information, As the results do not match, the subscription request information may be included in the discount information.

Also, the member personal information includes a mobile phone number, an e-mail address and a name, and the mobile phone number is stored in the first storage unit through authentication of a method of inputting a random number transmitted to the mobile phone number, As the extracted mobile phone number, e-mail address, and name of the member information match with each other, information on at least one selected discount amount according to the discount information is stored in the first storage unit as member participation details Can be stored.

In order to achieve the above object, another embodiment of the present invention may further include an integrated portal server for managing information of the previously registered member, and the first control unit may be configured to, Information on at least one selected discount amount according to the information can be transmitted to the integrated portal server through the first transceiver.

In addition, the information on at least one selected discount amount according to the discount information may include a page value of an interface screen provided when the discount amount is selected in the display unit.

According to another aspect of the present invention, there is provided a mobile communication terminal including a third transceiver for transmitting a user information input request message through a payment gateway server and receiving user information according to the user information input request message; A third storage unit for storing at least one advertiser providing a discount for each user type, guide information provided by the advertiser, and a discounted amount corresponding to the guide information; And extracting at least one of the guide information according to the type of the user of the third storage unit and the discount information including at least one of the discount amounts, And a third control unit for transmitting the generated discount information through the third transmission / reception unit, and the third transmission / reception unit transmits information on at least one selected discount amount according to the discount information through the payment gateway server And the third control unit determines the amount of the specific commodity minus the sum of the selected discounted amounts as the settlement amount.

The third storage unit stores the member's personal information of the previously registered member and the settlement point corresponding to the member personal information, and the third control unit compares the user information with the member personal information, As the results do not match, the subscription request information may be included in the discount information.

Meanwhile, the third control unit may receive information on at least one selected discount amount according to the discount information through the third transceiver as the comparison result coincides.

The information on at least one selected discount amount according to the discount information may include a page value of an interface screen provided when the user terminal selects a discount amount.

According to another aspect of the present invention, a payment gateway server receives a settlement request message for a specific commodity on an electronic commerce from a user terminal and receives a payment amount discount event associated with the advertiser, To the user terminal; The payment gateway server providing a user information input request message to the user terminal according to the payment process and receiving user information corresponding to a user information input request message from the user terminal; The payment gateway server extracting a payment amount discount event in which the user is allowed to participate in the payment amount discount event according to the user information and providing the discount event to the user terminal; And the payment gateway server processes a payment for the specific product by applying a discount service corresponding to the specific payment amount discount event when a specific payment amount discount event among the participant payment amount discount events is participated by the user terminal .

Also, the payment amount discount event in which the corresponding user can participate may include a discount event using the accumulated points stored in the integrated portal server when the corresponding user is a member registered in the integrated portal server.

According to another aspect of the present invention, there is provided a method of accessing an integrated portal server through the user terminal and browsing a history of a participant's discount amount discount event.

In addition, the settlement amount discount event information included in the event information may include information that stores an interface screen displayed through the user terminal when the event is participated.

According to another aspect of the present invention, there is provided a computer-readable recording medium on which a discount payment service providing method is recorded.

According to the present invention, in the process of paying a commodity selected by a consumer of an electronic commerce, the user can agree to receive the service or product advertisement information provided by the advertiser and receive the discount immediately.

In addition, according to the present invention, in the course of payment of a product selected by a consumer of an electronic commerce, a consumer can select whether or not to accept a plurality of pieces of advertisement information, There is an effect that cumulative discounts can be made.

According to the present invention, since an event is selectively displayed on the payment window so that the consumer of the electronic commerce can select whether or not to agree only with the advertisement that can receive the discount benefit according to his / her sex, age, etc., There is an effect that the advertisement can be done.

1 is a diagram illustrating a system for providing a discounted payment service according to an embodiment of the present invention.
FIGS. 2A to 2F are views showing examples of screens displayed on a display unit of a user terminal by a payment gateway server operation of a discount settlement service providing system according to an embodiment of the present invention.
FIG. 3A and FIG. 3B are views showing an example of a screen displayed on a display unit of a user terminal by an integrated portal server operation of a discount settlement service providing system according to an embodiment of the present invention.
4 is a system configuration diagram illustrating an operation of a discount settlement service providing system according to an embodiment of the present invention.
5 is a system configuration diagram illustrating an operation of a discount settlement service providing system according to another embodiment of the present invention.
6 is a flowchart illustrating a method of providing a discounted payment service according to an embodiment of the present invention.
7 is a flowchart illustrating a method of providing a discounted payment service according to another embodiment of the present invention.

The description of the disclosed technique is merely an example for structural or functional explanation and the scope of the disclosed technology should not be construed as being limited by the embodiments described in the text. That is, the embodiments are to be construed as being variously embodied and having various forms, so that the scope of the disclosed technology should be understood to include equivalents capable of realizing technical ideas.

Meanwhile, the meaning of the terms described in the present application should be understood as follows.

The terms " first, " " second, " and the like are used to distinguish one element from another, and the scope of the right should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected to the other element, but there may be other elements in between. On the other hand, when an element is referred to as being "directly connected" to another element, it should be understood that there are no other elements in between. On the other hand, other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

It is to be understood that the singular " include " or "have" are to be construed as including the stated feature, number, step, operation, It is to be understood that the combination is intended to specify that it is present and not to preclude the presence or addition of one or more other features, numbers, steps, operations, components, parts or combinations thereof.

Each step may take place differently from the stated order unless explicitly stated in a specific order in the context. That is, each step may occur in the same order as described, may be performed substantially concurrently, or may be performed in reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the disclosed technology belongs, unless otherwise defined. Terms defined in commonly used dictionaries should be interpreted to be consistent with meaning in the context of the relevant art and can not be construed as having ideal or overly formal meaning unless expressly defined in the present application.

FIG. 1 illustrates a discount settlement service providing system according to an embodiment of the present invention. The discount settlement service providing system of the present invention includes a payment gateway server 100, a user terminal 200, and an integrated portal server 300, . ≪ / RTI >

The payment gateway server 100 provides a payment window for a payment process when a consumer using an electronic commerce performs payment for a specific commodity, and when an integrated portal server 300 requests the payment gateway server 100, And provides an area related to the guide information to be provided to the consumer. That is, the customer provides the instant discount service, which is a service that immediately discounts the payment amount if the user consents to receiving the guide information provided by the advertiser at the time of payment for the product through the user terminal 200, that is, the advertisement. In addition, although it is preferable to immediately discount the settlement amount as described above, the present invention is not limited thereto, and if the user agrees to receive the advertisement, the user may provide a discount service for discounting the bill in future. At this time, the payment gateway server 100 may include a first transmission / reception unit 110, a first storage unit 120, and a first control unit 130.

The first transmission / reception unit 110 receives a payment request message for a specific commodity on the electronic commerce from the user terminal 200, delivers the received payment request message to the first control unit 130, Receives the user information input request message from the first control unit 130, transmits the input user information input request message to the user terminal 200, receives the user information according to the user information input request message from the user terminal 200 Transmits the received user information to the first control unit 130, receives discount information according to the user information from the first control unit 130, transmits the discount information to the user terminal 200, From the user terminal 200, information on at least one or more selected discounted discount amounts according to the first discount rate, And it transmits the transmitted to the unit 130. Here, the first transmission / reception unit 110 may be a transmission / reception module supporting various methods corresponding to the communication method of the user terminal 200, and can support both wired and wireless methods.

In addition, the first storage unit 120 may store at least one advertiser providing discount information for each user type, guide information provided by the advertiser, and guide information provided by the integrated portal server 300 Quot; Here, the user type may include, but is not limited to, a residence area, a hobby, a job, and the like, which may include an age and a gender of a consumer mainly desired by the advertiser. Meanwhile, the first storage unit 120 may permanently store the information provided by the integrated portal server 300, but the payment gateway server 100 may operate as an intermediary of the integrated portal server 300 in the settlement process But may be a memory for temporarily storing the data, and the present invention is not limited thereto.

On the other hand, the first storage unit 120 receives and stores payment points corresponding to member's personal information and member's personal information registered in the integrated portal server 300 from the integrated portal server 300, And may output the stored information to the first controller 130 under the control of the first controller 130. In this case, the member personal information may include a mobile phone number, an e-mail address, and a name. Information on the member personal information and the payment point may be received from the integrated portal server 300 through the first transmission / And may store the member personal information stored in the separate medium and the information on the settlement point in the first storage unit 120 through a direct input unit (not shown).

When the first controller 130 receives the payment request message through the first transceiver 110, the first controller 130 generates a user information input request message according to the received payment request message, and transmits the generated user information input request message And receives the user information according to the user information input request message from the first transmission / reception unit 110, extracts the user type from the user information, (120), generates discount information by calling at least one guide information and at least one discount amount according to the type of user stored in the storage unit (120), outputs the generated discount information to the first transmission / reception unit (110) Information on at least one selected discount amount according to the discount information from the server 110, Accordingly, the amount calculated by subtracting the discount amount selected from the amount of the specific commodity is determined as the settlement amount. Thereafter, the first control unit 130 performs the settlement process according to the determined settlement amount.

That is, the first control unit 130 extracts the personal information of the consumer included in the user information, for example, the email address of the consumer, refers to the member personal information stored in the first storage unit 120, The user type such as the sex and age of the consumer who sent the message is identified and discount information is generated by collecting only the guide information of the advertisers who specify the identified user type.

The first control unit 130 compares the personal information of the consumer included in the user information with the member personal information stored in the first storage unit 120. If there is no stored member personal information matching the personal information of the consumer The subscription request information for inducing subscription within the discount information may be included to induce subscription. That is, the first control unit 130 may add a region for inducing membership to a payment window displayed to the consumer. At this time, if there is stored member personal information matching the personal information of the consumer, the first control unit 130 may set a payment point that can be additionally discounted in addition to the guide information of the advertisers, that is, through the integrated portal server 300 You may be able to use the points held by the member to benefit from the payment process.

The first control unit 130 allows the third control unit 330 to perform the control operation described above when the payment gateway server 100 operates as an intermediary of the integrated portal server 300 in the settlement process, The control unit 330 may control the operation of receiving the information generated by the third control unit 330 through the first transmission / reception unit 110 and delivering the information to the second transmission / reception unit 210, but the present invention is not limited thereto.

The user terminal 200 is a device owned by a consumer using an electronic commerce, and any device such as a PC or a smart phone can be applied. The user terminal 200 may include a second transmission / reception unit 210, a display unit 220, an input unit 230, a second control unit 240, and a second storage unit 250.

The second transceiver 210 receives a payment request message for a specific commodity on the electronic commerce from the second controller 240 and receives a payment request message input to the first transceiver 110 in the payment gateway server 100, Receives the user information input request message according to the settlement request message from the first transmission / reception unit 110 or the third transmission / reception unit 310, and transmits the received user information input request message to the second control unit 240 Receives the user information according to the user information input request message from the second control unit 240, transmits the inputted user information to the first transmission / reception unit 110 or the third transmission / reception unit 310, Reception unit 110 or the third transmission / reception unit 310 and transmits the received discount information to the second control unit 240. The second control unit 240 receives the discount information from the first transmission / At least one selection Receives the information about the discount amount, and transmits the information related to the at least one or more selected discount amount input to the first transceiver 110 or the third transmitting and receiving unit 310. The That is, after the payment window is opened according to the payment request message, the second transmission / reception unit 210 can communicate with the integrated portal server 300 through the payment gateway server 100 or directly communicate with the integrated portal server 300 have.

The display unit 220 displays discount information and the like in the payment window under the control of the second control unit 240 so that the consumer can recognize the discount information.

2A to 2F illustrate an operation of the user terminal 200 by the operation between the payment gateway server 100 or the integrated portal server 300 and the user terminal 200 in the discounted payment service providing system according to the embodiment of the present invention, The display unit 220 may display a screen of the display unit 220 when the user terminal 200 is a smart phone as shown in FIGS. 2A to 2F, The settlement window can be displayed step by step in consideration of the size of the settlement window.

That is, when the user makes a payment using the user terminal 200, the payment gateway server 100 determines whether or not the user agrees to provide the payment information to receive the discount service immediately as shown in FIG. 2A in the payment window provided by the payment gateway server 100 And an area 221 to be inquired may be included.

If the user agrees to provide the discount information for the discount service immediately, the user may request the user to input the discount information as shown in FIG. 2B ) May be included. Thereafter, the first control unit 130 or the third control unit 330 determines whether there is a previous discounted benefit history according to the mobile phone, the date of birth and the sex inputted through the input area as shown in FIG. 2B, If the mobile phone, the date of birth, and the gender are inputted to display only the guide information corresponding to the user type, the payment gateway server 100 can be separately transmitted to the payment gateway server 100 through the second transmission / A procedure may be added to the integrated portal server 300 or the integrated portal server 300 via the gateway server 100. [

2C, the display unit 220 may display an area 223 for inputting participation information as part of the user information. At this time, the user can request the security number service through the mobile phone authentication. Here, when a user who is a consumer subscribes to a secure phone number service, a secure phone number may be delivered instead of a mobile phone when information on the user is provided to the advertiser. In this case, the safe number refers to a service for issuing a one-time temporary number rather than an actual mobile phone number during the payment process in order to protect the user's personal information.

On the other hand, the display unit 220 can display an area 224 for inputting consent to use personal information as shown in Fig. 2D. Here, the agreement input area 224 may display an interface for selecting a service agreement agreement, personal information collection and usage agreement, and marketing application agreement.

In addition, the display unit 220 may display an area 225 in which the user in the discount information can select the discount amount of the advertiser who agrees to receive the advertisement, as shown in FIG. 2E. The area 225 in which the above-mentioned discounted amount can be selected may display the discounted amount according to the name of the advertiser providing the discounted benefit and the discounted benefits, and display the total discounted amount selected each time the discounted amount is selected. In addition, the area 225 in which the discount amount can be selected may display an interface for selecting the entire discount amount for the convenience of the user. Meanwhile, the above discount information is obtained by collecting only the guide information of the advertisers who specify the user type by grasping the type of the user such as the gender and age of the consumer by the payment gateway server 100 or the integrated portal server 300, Information.

If the discount amount selected by the user is determined, the amount of money 226 that can be finally discounted as shown in FIG. 2F can be displayed through the display unit 200.

The input unit 230 receives user information, receives information about at least one selected discount amount according to the discount information, and transmits the input information to the second control unit 240. In this case, the input unit 230 may be a keyboard or the like in the case of a PC, or may be implemented in a form of a touch screen by combining the display unit 220 and the input unit 230 in the case of a smartphone.

On the other hand, the second control unit 240 receives a command for requesting settlement of a selected specific commodity after the user selects a specific commodity through a website for electronic commerce, etc. through the input unit 230, And outputs the generated settlement request message to the second transmitting and receiving unit 210. The second transmitting and receiving unit 210 transmits the settlement request message to the second transmitting and receiving unit 210. [ Thereafter, the second control unit 240 receives a user information input request message according to the payment request message from the second transmission / reception unit 210 and generates an interface for requesting user information input according to the user information input request message And can be recognized by the user through the display unit 220. Next, the second control unit 240 receives the user information through the input unit 230 and outputs the inputted user information to the second transmission / reception unit 210. Thereafter, the second control unit 240 receives the discount information selected only as an item that can benefit the user according to the inputted user information. At this time, the second control unit 240 controls the display unit 220 to display the selection interface area 225 as shown in FIG. 2E by using the selected discount information. If the user selects at least one discount amount through the input unit 230, the second control unit 240 outputs the information on the selected discount amount to the second transmission / reception unit 210, Of the total amount of the commodity is deducted from the amount of the specific commodity.

At this time, when the user completes the selection of the discounted amount through the input unit 230, the second control unit 240 stores the page value for the screen at the time of completion and stores the stored page value To the second transmission / reception unit 210 as information. Thereafter, the payment gateway server 100 or the integrated portal server 300 receives the stored page value through the first transmission / reception unit 110 or the third transmission / reception unit 310 and transmits the stored page value to the first storage unit 120 or 3 < / RTI > At this time, the payment gateway server 100 can transmit the page value that is stored in the integrated portal server 300 side separately.

The second storage unit 250 is a memory provided in the PC or the smart phone, and stores the input data inputted by the user through the input unit 230. [

The integrated portal server 300 receives the user database from the payment gateway server 100 and provides the received database to the advertiser. Here, the advertiser adds the commission to the discount price provided to the user who receives his / her product guide and pays the operator to the integrated portal server 300, receives the benefit of the discounted price, Information about the user is provided as a database.

In addition, the integrated portal server 300 can directly perform a discount service providing operation or perform a direct discount service providing operation through the payment gateway server 100 in a payment process.

At this time, the company that operates the integrated portal server 300 may pay a part of the above-mentioned commission to the company that operates the payment gateway server 100 as a media commission, and accordingly, the payment gateway server 100, The discount information is provided to the user terminal 200 as described above.

Here, the integrated portal server 300 may include a third transmission / reception unit 310, a third storage unit 320, and a third control unit 330.

The third transmission / reception unit 310 receives the login request message from the user terminal 200 and transmits the login request message to the third control unit 330. The third transmission / reception unit 310 receives the discount information related event participation information, point related information, and the like from the third control unit 330 And transmits it to the user terminal 200. At this time, the third transceiver 310 may communicate with the user terminal 200 in a wired or wireless manner to provide a portal interface, and may communicate with the payment gateway server 200 in a wired or wireless manner with respect to transmission / reception of a user database .

The third transmission and reception unit 310 transmits a user information input request message to the user terminal 200 through the payment gateway server 100 or directly to the user terminal 200 through the payment gateway server 100 Information on at least one selected discount amount according to the user information and the discount information input from the user terminal 200. [

In addition, the third storage unit 320 may store at least one discounted amount according to at least one advertiser providing the discount discount for each user type, guide information provided by the advertiser, and guide information, and may be controlled by the third control unit 330 And then outputs the stored advertiser, guide information, discount amount, etc. to the third control unit 330. Here, the user type may include, but is not limited to, a residence area, a hobby, a job, and the like, which may include an age and a gender of a consumer mainly desired by the advertiser.

Meanwhile, the third storage unit 320 stores payment points corresponding to the member personal information and the member personal information of the member registered through the user terminal 200, and stores it in accordance with the control of the third control unit 330 Information to the third control unit 330. In this case, the member personal information may include a mobile phone number, an e-mail address, and a name. Information on the member personal information and the payment point may be transmitted to the payment gateway server 100 through the third transmission / (200).

The third storage unit 320 stores the page value of the screen at the time when the user completes the selection of the discounted amount through the input unit 230 and stores the stored page value under the control of the third control unit 330 And output it to the third control unit 330.

In addition, the third storage unit 320 stores the member's personal information of the previously registered member and the settlement point corresponding to the member's personal information, Point to the third control unit 330. [0157]

When the third control unit 330 receives the login request message through the third transmission / reception unit 310, the third control unit 330 performs a login procedure using a user ID or the like in the login request message, Extracts information related to the corresponding user from the information stored in the third storage unit 320 according to the inquiry request input through the third transmission / reception unit 310, and outputs the extracted information to the third transmission / reception unit 310. At this time, the user terminal 200 may display the information provided by the third control unit 330 on the display unit 220. [

Meanwhile, the third controller 330 generates a user information input request message, extracts a user type from the user information, generates at least one guide information according to a user type stored in the third storage unit 320, The discount information including the discount amount can be generated, and the generated discount information can be transmitted through the third transmission / reception unit 310. [ At this time, the generated discount information is transmitted to the user terminal 200 through the payment gateway server 100 or directly. Also, the third controller 330 may determine the amount of the specific commodity minus the sum of the selected discounted amounts as the settlement amount.

Also, the third control unit 330 may compare the user information with the member personal information, and may include the membership registration request information in the discount information according to the inconsistency of the comparison results. If the comparison result agrees, The information on the selected discount amount according to the received discount amount can be received through the third transmission / reception unit 310.

3A and 3B are views illustrating an example of a screen displayed on the display unit 220 of the user terminal 200 by the operation of the integrated portal server 300 of the discount settlement service providing system according to an embodiment of the present invention , The user can check the screen displayed at the time of completion of the selection of the discount amount as shown in FIG. 3B by clicking on the participation screen confirmation button 227 on the interface as shown in FIG. 3A.

That is, the third control unit 330 stores the page value of the screen at the time of completion of selection in the third storage unit 320 as described above, so that even if the terms and conditions are changed after the selection, Can read the terms of the selection at the time of selection, input information, and checked consent items. At this time, the third controller 330 may develop a new page and save the existing page separately when modifying the page for the interface, in order to guarantee the integrity of the stored screen in the editing. Also, And store the calculated hash information.

In addition, the third controller 330 may mask sensitive personal information and store the personal information in the third storage unit 320 in order to protect personal information when browsing the screen as shown in FIG. 3B.

FIG. 4 is a system configuration diagram for explaining an operation of a discount settlement service providing system according to an embodiment of the present invention. Referring to FIG. 1 to FIG. 4, The discount service operation will be described in detail as follows.

The integrated portal server 300 provides an immediate discount service to a user who is a customer who buys a specific commodity online by using the user terminal 200 through the payment gateway server 100. That is, the integrated portal server 300 collects and utilizes personal information for marketing of the advertiser, which is the owner of the advertiser server 400, in the payment window displayed on the user terminal 200 in the course of the payment process of the payment gateway server 100 If you agree, you will be assigned an area that offers a discount immediately after you discount a certain amount from your payment amount.

That is, the integrated portal server 300 includes at least one advertiser providing discounts for each user type to provide discount service immediately during the payment process operated by the payment gateway server 100, guide information provided by the advertiser, And delivers the discounted amount according to the information to the payment gateway server 100.

Thereafter, the operator of the integrated portal server 300 may pay a discount to the operator of the payment gateway server 100 when the user immediately uses the discount service, and may pay a fee for the service of the discount service immediately have.

The payment gateway server 100 provides a user information input request message to the user terminal 200 according to a payment process for a specific commodity and receives user information corresponding to a user information input request message from the user terminal 200.

The payment gateway server 100 extracts a payment amount discount event in which a corresponding user can participate among a plurality of payment amount discount events according to the user information or receives the extracted event from the integrated portal server 300 and provides the discount event to the user terminal 200 do. Accordingly, when the payment gateway server 100 participates in a specific payment amount discount event among the payment amount discount events that the user can participate, the payment gateway server 100 processes the payment for the specific product by applying the discount service corresponding to the specific payment amount discount event. The payment gateway server 100 can process payment for a specific commodity using any one of a simple settlement, a credit card settlement, and a settlement through account transfer.

At this time, when the specific payment amount discount event type is the instant discount event, the payment gateway server 100 can process the payment with the discount amount corresponding to the specific payment amount discount event from the user's order amount.

The user terminal 200 may be a smart phone, a PDA, a desktop PC, a PC, or the like, but is not limited thereto. The user terminal 200 is a terminal possessed by a user who purchases a product sold on an electronic commerce by accessing an online shopping mall or the like.

The user can check the information on the payment amount discount event on the payment window by selecting the goods and clicking the payment button in order to purchase the goods to be sold on the electronic commerce through the user terminal 200 of the user.

The user presses the view button for the payment amount discount event and inputs user information (e.g., information such as name, sex, communication company, residence area, mobile phone number, etc.).

Then, the user terminal 200 receives, via the second transceiver 210, a payment amount discount event in which the user can participate in the payment amount discount event, which is a discount service immediately registered based on the user information inputted by the user Display.

The user can directly participate in the event through a separate consent procedure by directly selecting the discount event for the payment amount desired to participate in the plurality of participant's payment event. At this time, the user can select the payment amount discount event among the multiple payment amount discount events that can be participated.

In this manner, the user can immediately receive the discount service for the payment amount of the goods or services to be purchased by participating in the payment amount discount event.

The advertiser server 400 can provide the necessary information for the payment amount discount event to the integrated portal server 300 so as to associate the event. The payment amount discount event is displayed in a predetermined area of the payment window of the payment gateway server 100 and the advertiser can perform the advertisement activity by utilizing the user information inputted when the user participates in the payment amount discount event.

In addition, the user can immediately request the integrated portal server 300 to view the details using the discount service and the screen displayed at the time of using the user terminal 200, and the integrated portal server 300 can access the user terminal 200 The user terminal 200 can provide an instant discount service usage history related to the inputted user information.

FIG. 5 is a system configuration diagram illustrating an operation of a discount settlement service providing system according to another embodiment of the present invention. Referring to FIGS. 1 to 3B and 5, The operation will be described in detail as follows. At this time, the elements overlapping with the embodiment as shown in FIG. 4 will not be described for the sake of convenience.

The discounted payment service providing system shown in FIG. 5 provides a discounted discounted service event providing discount benefits when the integrated portal server 300 requests a payment amount through the payment gateway server 100, 500 can pay for the discount discount service amount corresponding to the discount discount service event when the payment discount service event is detected by the user terminal 200 when payment is made through the payment gateway server 100. [

At this time, the partner company server 500 may be a server existing in a company such as a card company, a communication company, or the like.

Through the system as described above, the vendor server 500 can provide a payment amount discount event corresponding to the discount discount service to the user terminal 200 through the payment gateway server 100. [

The user having the user terminal 200 can participate in a payment amount discount event for providing a bill discount service when making a payment for purchasing a specific commodity on the electronic commerce through the payment gateway server 100, You can get a billing discount service.

To this end, the payment gateway server 100 extracts a payment amount discount event in which a corresponding user can participate among a plurality of payment amount discount events according to the user information, and provides the extracted discount amount event to the user terminal 200. The payment gateway server 100 displays a message informing the discounted discount amount corresponding to the specific payment amount discount event when the kind of the specific payment amount discount event participated by the user is the bill discount event, . At this time, the payment gateway server 100 can process payment for a specific commodity using any one of a simple settlement, a credit card settlement, and a settlement through account transfer.

When the holder of the user terminal 200 settles the amount of money used for a predetermined period of time, the partner company server 500 calculates the amount of money subtracted from the approved amount of the specific commodity, You can charge the user who is the holder. Accordingly, the integrated portal server 300 deposits the discounted amount into the account of the partner company. As described above, according to the present invention, after the integrated portal server 300 provides the bill discount service to the user through the partner server 500, the discounted money can be deposited into the account of the partner company.

5, the integrated portal server 300 and the payment gateway server 100 are separately shown, but the integrated portal server 300 and the payment gateway server 100 may be implemented as one component So that the configuration of Fig. 5 can be changed.

In addition, the user can request the integrated portal server 300 to view the history of the billing discount service and the screen displayed when using the billing service through the user terminal 200, and the integrated portal server 300 can access the user terminal 200 And provides the user terminal 200 with the usage details of the bill discount service related to the inputted user information.

6 is a flowchart illustrating a method of providing a discounted payment service according to an embodiment of the present invention.

When the payment gateway server 100 receives a settlement request message for a specific commodity on the electronic commerce from the user terminal 200, the payment gateway server 100 provides the settlement process and the settlement amount discount event associated with the advertiser to the user terminal 200 (S110). That is, when the user terminal 200 selects a specific product from an online store or the like and requests payment, the payment window provided by the payment gateway server 100 is displayed on the display unit 220 of the user terminal 200.

Next, the payment gateway server 100 provides the user information input request message to the user terminal 200 according to the payment process, and receives the user information corresponding to the user information input request message from the user terminal 200 (S120 ). That is, the payment gateway server 100 may request the user to input a mobile phone number, date of birth, sex, etc. in order to extract a payment amount discount event corresponding to the user type. At this time, . In addition, the payment gateway server 100 may support the secure number service so that the user can participate in the event without directly inputting the mobile phone number. On the other hand, the payment gateway server 100 may provide the guidance on providing the third party in a payment window in such a manner that the user agrees to the provision of the personal information to the third party.

At this time, the payment gateway server 100 may serve as an intermediary server of the integrated portal server 300. In this case, the payment gateway server 100 may transmit information for operation of the user information input request operation, relief number service, 300, and the payment gateway server 100 can perform an operation on the user terminal 200 using the information generated in the integrated portal server 300.

Thereafter, the payment gateway server 100 extracts a payment amount discount event in which the user can participate in the payment amount discount event according to the user information, and provides the discount event to the user terminal (S130). At this time, the payment gateway server 100 provides a participating payment amount discount event according to the user type, and when the user is a registered member in the integrated portal server 300, In order to be able to select a service that can use a point as a payment method, it is possible to provide a service for using a credit point as well as a discount event for participation payment.

Here, when the payment gateway server 100 plays a role as an intermediary server of the integrated portal server 300, the operation of extracting a payment amount discount event in which the user can participate in the payment amount discount event according to the user information is integrated The portal server 300, and the payment gateway server 100 may receive information according to the above operation and provide the received information to the user terminal.

Meanwhile, if the user is not a registered member in the integrated portal server 300, the integrated portal server 300 may register the membership to the user terminal 200 through the payment gateway server 100 or directly to the user terminal 200 A possible interface may be provided. At this time, if a user who is not a registered member in the integrated portal server 300 agrees to membership, he / she can provide a benefit of accumulating additional points.

At this time, whether or not the member is already registered in the payment gateway server 100 or the integrated portal server 300 can be confirmed through the e-mail address. If the e-mail address matches the registered member's address, If the mobile phone number matches, the participation history can be inquired through the integrated portal server 300. Here, the payment gateway server 100 or the integrated portal server 300 may judge whether the event is duplicated through the e-mail address and the mobile phone address input by the user, and may prohibit participation in the event when overlapping participation.

If the payment gateway server 100 does not support mobile phone authentication in the event participating page, the integrated portal server 300 determines whether the registered member is a registered member .

Next, the payment gateway server 100 applies a discount service corresponding to a specific payment amount discount event when a specific payment amount discount event among participating payment amount discount events is participated by the user terminal 200, (S140).

In this case, when there are a plurality of payment event discount events that can be participated, the more the user participates in the event, that is, the more information information corresponding to the advertisement is received, the more the discountable amount is increased. In addition, the settlement amount discount event that can not be participated by the user type is automatically filtered, and only the participating settlement amount discount event is accurately provided to the user, so that convenience for the user to participate in the event can be improved.

7 is a flowchart illustrating a method of providing a discounted payment service according to another embodiment of the present invention.

When the user who is the holder of the user terminal 200 is a registered member in the integrated portal server 300, the user can log in to the web page provided by the integrated portal server 300 through the user terminal 200 S150), the user can view the details of the payment amount discount event that was previously participated through the interface of the web page provided by the integrated portal server 300 (S160). At this time, the user can confirm all the details related to the user's e-mail and mobile phone number when joining the integrated portal member, and withdraw the discount event participation agreement if the predetermined condition is satisfied.

That is, the user can easily process the event participation history inquiry and withdrawal through the web page provided by the integrated portal server 300 without unnecessary process such as calling the customer center, By storing the page value of the interface screen displayed at the time of participating in the settlement discount event, it is possible to accurately view the terms at the time of participation and items checked by the user.

At this time, in order to guarantee the integrity of the stored interface screen, a company operating the integrated portal server 300 may modify the web page provided with the interface to a new development mode without any modification, .

In order to perform the above-described event participation history inquiry and withdrawal, the integrated portal server 300 may divide the members into members and members as shown in Table 1 below.

division Mobile Phone Number Email Address name Membership One 123 abc Hong Gil Dong member 2 123 def Kim Yoo-shin Member 3 123 efg Hong Gil Dong Member 4 123 abc Kim Yoo-shin Member 5 345 abc Hong Gil Dong Member 6 345 abc Kim Yoo-shin Member 7 345 def Kim Yoo-shin Member

If the member corresponding to Category 1 of Table 1 inquires about the participation details, the integrated portal server 300 may provide the entire participation particulars capable of authenticating the mobile phone corresponding to the same email used as the identifier . That is, a member corresponding to Category 1 is allowed to authenticate the details of Category 1 and Category 4, which can be authenticated with a cell number of '123' among Category 1, Group 4, Category 5 and Category 6 having 'abc' Despite this, it can be inquired. However, the integrated portal server 300 can strictly perform masking on exposure as long as the registered name provides different details.

On the other hand, when the member corresponding to Category 4 requests the withdrawal of consent, the integrated portal server 300 does not delete the member's history of participation in Category 1 since the authentication is not performed by the mobile phone number.

In addition, the integrated portal server 300 can assign a point when participating in an event even if the member is a member, and it is possible to manage data in a manner that trusts the authenticated member first when mobile phone authentication is duplicated.

However, even in the case of a member corresponding to the division 1, the integrated portal server 300 may not permit authentication if the information inputted at the time of authentication for the use of the point corresponds to the division 4, and the information is the member's information. At this time, the integrated portal server 300 may request modification of the member information.

On the other hand, the integrated portal server 300 can revoke the consent of the remaining one if the one corresponding to the category 2 and the one corresponding to the category 7 request the withdrawal of consent.

In addition, the integrated portal server 300 can provide various events in a web page as an interface provided by the integrated portal server 300, and the user can perform various events such as attendance check, roulette, , Searching for a banner, and so on (S170).

On the other hand, the user can use the accumulated points to purchase a specific commodity at the point mall in the web page of the integrated portal server 300, exchange the accumulated points with other types of points, receive cash back, Point, or may be provided as a part of a payment amount discount event provided by the payment gateway server 100 as shown in FIG. 6 (S180). In addition, the user can utilize the contents using the accumulated points, for example, a wall paper, a web cart, a fortune, a magazine, a restaurant recommendation, and the like.

In addition, the integrated portal server 300 may control the number of marketing customers to be set in units of a month and a day when the information on the payment amount discount event is provided to the payment gateway server 100 or the user terminal 200. That is, according to the above-described method, the advertisement can be automatically stopped when the target amount of the settlement amount discount event is attained, and thus the advertisement budget can be accurately executed.

Meanwhile, the integrated portal server 300 can provide a dedicated interface that can be viewed by the advertiser server 400 in the form of a web page, Distribution, and preference of the user. At this time, the analysis data provided through the dedicated web page can be differentially provided according to the rank of the advertiser having the advertiser server 400.

In addition, the integrated portal server 300 can modify the content of the payment amount discount event through legal review without sending the information on the payment amount discount event directly to the payment gateway server 100, To the advertiser server 400 side.

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and also implemented in the form of a carrier wave (for example, transmission over the Internet) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

The present invention has been described with reference to the preferred embodiments. It will be understood by those skilled 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. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: Payment gateway server
200: user terminal
300: Integrated Portal Server
400: Advertiser server
500: Supplier server

Claims (21)

A first transmission / reception unit receiving a payment request message for a specific product on an electronic commerce from a user terminal, transmitting a user information input request message according to the payment request message, and receiving user information according to the user information input request message;
A first storage unit for storing at least one advertiser providing a discount for each user type, guide information provided by the advertiser, and a discounted amount according to the guide information; And
Extracting the user type from the user information, generating at least one guide information and at least one discount amount according to the user type of the first storage unit And transmits the generated discount information through the first transceiver unit,
Wherein the first transceiver receives information on at least one selected discount amount according to the discount information from the user terminal,
Wherein the first control unit determines an amount obtained by subtracting the total sum of the selected discounted amount from the amount of the specific commodity as a settlement amount.
The method according to claim 1,
The first storage unit stores the member's personal information of the previously registered member and the settlement point corresponding to the member personal information,
Wherein the first control unit compares the user information with the member personal information, and includes the membership subscription request information in the discount information as the comparison result does not match.
The method of claim 2,
And an integrated portal server for managing information of the previously registered members,
Wherein the first control unit transmits information on at least one selected discount amount according to the discount information to the integrated portal server through the first transceiver as the comparison result coincides with the discount information.
The method of claim 3,
Wherein the information about at least one selected discount amount according to the discount information includes a page value of an interface screen provided when the user terminal selects the discount amount.
The payment gateway server transmits a settlement request message for a specific commodity on the electronic commerce, receives a user information input request message according to the settlement request message, transmits user information corresponding to the user information input request message, A second transceiver for receiving discount information according to the information;
An input unit that receives the user information and receives information on at least one selected discount amount according to the discount information;
And transmits the user information inputted through the input unit and the information on the at least one selected discount amount through the second transceiver, and subtracts the sum of the at least one selected discount amount from the amount of the specific commodity And a second controller for determining the amount of money,
Wherein the discount information includes at least one guide information and at least one discount amount corresponding to the guide information.
The method of claim 5,
Wherein the user information includes a mobile phone number, a date of birth, and a gender.
The method of claim 6,
Further comprising a display unit for displaying the discount information,
Wherein the second control unit sums the at least one selected discount amount and displays the summed discount amount through the display unit.
The method of claim 7,
A first transmission / reception unit receiving the payment request message from the second transmission / reception unit, transmitting the user information input request message according to the payment request message, and receiving the user information according to the user information input request message;
A first storage unit for storing at least one advertiser providing a discount for each user type, guide information provided by the advertiser, and a discounted amount according to the guide information; And
The method comprising: generating a user information input request message according to the settlement request message; extracting the user type from the user information; receiving at least one guide information according to the user type and at least one discount amount And a first control unit for transmitting the generated discount information through the first transceiver unit,
Wherein the first transmission / reception unit receives from the second transmission / reception unit information about at least one selected discount amount in accordance with the discount information,
Wherein the first control unit determines an amount obtained by subtracting the total sum of the selected discounted amount from the amount of the specific commodity as a settlement amount.
The method of claim 8,
The first storage unit stores the member's personal information of the previously registered member and the settlement point corresponding to the member personal information,
Wherein the first control unit compares the user information with the member personal information, and includes the membership subscription request information in the discount information as the comparison result does not match.
The method of claim 9,
The member personal information includes a mobile phone number, an e-mail address and a name,
Wherein the mobile phone number is stored in the first storage unit through a method of inputting a random number transmitted to the mobile phone number,
Wherein the first control unit transmits information on at least one selected discount amount according to the discount information to the first member as the member participation details as the extracted mobile phone number, And stores the discounted payment service in a storage unit.
The method of claim 10,
And an integrated portal server for managing information of the previously registered members,
Wherein the first control unit transmits information on at least one selected discount amount according to the discount information to the integrated portal server through the first transceiver as the comparison result coincides with the discount information.
The method of claim 11,
Wherein the information on at least one selected discount amount based on the discount information includes a page value of an interface screen provided when the discount amount is selected in the display unit.
A third transceiver for transmitting a user information input request message to the user terminal and receiving user information according to the user information input request message;
A third storage unit for storing at least one advertiser providing a discount for each user type, guide information provided by the advertiser, and a discounted amount corresponding to the guide information; And
Extracting the user type from the user information, discounting information including at least one guide information according to the type of the user of the third storing unit and at least one discount amount And transmits the generated discount information through the third transmission / reception unit,
Wherein the third transmission / reception unit receives information on at least one selected discount amount according to the discount information from the user terminal,
And the third control unit determines the amount of the specific commodity minus the sum of the selected discounted amounts as the settlement amount.
14. The method of claim 13,
The third storage unit stores the member's personal information of the previously registered member and the settlement point corresponding to the member personal information,
Wherein the third control unit compares the user information with the member personal information, and incorporates the membership request information into the discount information as the comparison result does not match.
15. The method of claim 14,
Wherein the third control unit receives information on at least one selected discount amount according to the discount information through the third transceiver as the comparison results coincide.
16. The method of claim 15,
Wherein the information about at least one selected discount amount according to the discount information includes a page value of an interface screen provided when the user terminal selects the discount amount.
When the payment gateway server receives a settlement request message for a specific commodity on the electronic commerce from the user terminal, providing the settlement process and the settlement amount discount event associated with the advertiser to the user terminal;
The payment gateway server providing a user information input request message to the user terminal according to the payment process and receiving user information corresponding to a user information input request message from the user terminal;
The payment gateway server extracting a payment amount discount event in which the user is allowed to participate in the payment amount discount event according to the user information and providing the discount event to the user terminal; And
The payment gateway server processes a payment for the specific commodity by applying a discount service corresponding to the specific commodity discount event if a specific settlement amount discount event among the participating settlement amount discount events is participated by the user terminal The method comprising the steps of:
18. The method of claim 17,
Wherein the payment event discount event in which the corresponding user can participate includes a discount event using the accumulated points stored in the integrated portal server when the corresponding user is a member registered in the integrated portal server.
19. The method of claim 18,
And accessing the integrated portal server through the user terminal and browsing the details of the participant payment amount discount event.
The method of claim 19,
Wherein the settlement amount discount event history includes information on an interface screen displayed through the user terminal when an event is participated.
A computer-readable recording medium storing a program for executing the discount payment service providing method according to any one of claims 17 to 20.
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