KR20170063188A - Method for calculating coupons through card company server and card company server performing the same - Google Patents
Method for calculating coupons through card company server and card company server performing the same Download PDFInfo
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- KR20170063188A KR20170063188A KR1020150169261A KR20150169261A KR20170063188A KR 20170063188 A KR20170063188 A KR 20170063188A KR 1020150169261 A KR1020150169261 A KR 1020150169261A KR 20150169261 A KR20150169261 A KR 20150169261A KR 20170063188 A KR20170063188 A KR 20170063188A
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- Prior art keywords
- coupon
- settlement
- received
- credit card
- card
- Prior art date
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
-
- 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
- G06Q30/0215—Including financial accounts
-
- 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
- G06Q40/10—Tax strategies
Abstract
According to an embodiment of the present invention, a method for a credit card company server to settle a charge for using a coupon, the method comprising: issuing a coupon number in the same system as a credit card number system; Receiving a coupon settlement request including a coupon number of a coupon to be settled and an amount of money to be paid through the coupon from the merchant terminal; Confirming whether the received coupon number is valid; And, if it is determined that the received coupon number is valid, calculating a cost based on the coupon usage based on the received coupon number and amount information, and transmitting the settlement result to the merchant terminal Method is provided.
Description
The present invention relates to a coupon settlement method using a credit card company server and a credit card company server which performs the coupon payment method. More specifically, the coupon code is issued in the same system as the credit card number system, A method of settlement of a coupon through a card issuer server to be performed by a card issuer server, and a card issuer server performing the method.
Recently, as a number of coupon issuing companies have been rapidly increased, various coupons have been issued, and thus, a product or service payment using discount coupons has been actively taking place through consumers.
However, in the case where settlement using a coupon occurs at an affiliated shop, in order to perform settlement processing and settlement between a merchant and a coupon, the settlement processing according to the coupon use is performed by the card company system, and the settlement processing for the used coupon is performed by the coupon company system Therefore, if the merchant intends to introduce the settlement service through the coupon, it is inconvenient that the merchant system and the coupon company system each require registration procedures for each merchant.
Accordingly, there is a growing demand for a method for enabling settlement processing and coupon settlement processing in the same system using an existing card issuer system, without separately processing settlement and coupon settlement in separate systems , And further, a method for enabling various kinds of business processing through a coupon number is increasing gradually, and a solution for solving the above problems is urgently needed.
SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a credit card company which can issue coupon numbers in the same system as the credit card number system, And a card company server for performing the coupon settlement method.
The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.
According to another aspect of the present invention, there is provided a method of settlement of expenses associated with coupon use, the method comprising: issuing a coupon number in the same system as a credit card number system; Receiving a coupon settlement request including a coupon number of a coupon to be settled and an amount of money to be paid through the coupon from the merchant terminal; Confirming whether the received coupon number is valid; And, if it is determined that the received coupon number is valid, calculating a cost based on the coupon usage based on the received coupon number and amount information, and transmitting the settlement result to the merchant terminal Method is provided.
The coupon number issuing step may include issuing a 16-digit coupon number composed of a combination of a card company code number, a coupon code number, a serial number, and a check number.
And transmitting the issued coupon number to a tax re-fund company server in order to process the tax re-fund with the coupon number issued in the same system as the credit card number system.
According to another embodiment of the present invention, a coupon number issuing unit for issuing coupon numbers in the same system as the credit card numbering system; A settlement request receiving unit that receives a coupon settlement request including a coupon number of a coupon to be settled and an amount of money to be set through the coupon from the merchant terminal; An effective number confirmation unit for confirming whether the received coupon number is valid; And a coupon settlement unit configured to settle the cost of using the coupon based on the received coupon number and amount information and to transmit the calculated details to the merchant terminal when it is confirmed that the received coupon number is valid, A server is provided.
The coupon number issuing unit may issue a 16-digit coupon number composed of a combination of a card company code number, a coupon code number, a serial number, and a check number.
The system may further include a tax re-fund processing unit for transmitting the issued coupon number to a tax re-fund company server in order to process the tax re-fund with a coupon number issued in the same system as the credit card number system.
According to the embodiment of the present invention, since the coupon number is issued in the same system as the credit card number system, coupon settlement processing using the existing card company server, VAN company, and merchant network can be performed, It is possible to reduce the time and cost consumed by the system.
According to an embodiment of the present invention, the coupon number issued in the same system as the credit card number system can be linked to the coupon issuer server in the card company server as well as the tax re-fund company server, There is an advantage that it is possible to process tax settlement fund as well as settlement processing.
It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.
1 is a view schematically showing a configuration of a coupon settlement system through a card company server according to an embodiment of the present invention.
2 is a block diagram illustrating the configuration of a card issuer server according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating coupon settlement processing performed by a card issuer server according to an exemplary embodiment of the present invention.
4 is a diagram illustrating a coupon number issued by a card issuer server according to an embodiment of the present invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. 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 a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
1 is a view schematically showing a configuration of a coupon settlement system through a card company server according to an embodiment of the present invention.
1, a coupon settlement system according to an embodiment of the present invention may include a
First, the
The
Here, the credit card company code number is a unique code number for each card company. The VAN
In addition, the check digit is a number assigned to detect an error of information upon information transmission immediately.
The
When the coupon number of the coupon to be settled and the amount information to be settled through the coupon are received from the
When it is determined that the coupon number received from the
The
The
When the
For example, when the coupon number of "1234123412341234" is received at the VAN
The
The
As described above, a method for processing the settlement of coupon usage when a payment is made using a coupon is that a
2 is a block diagram showing the configuration of a
2, a
The coupon
Here, the coupon number may be generated through an algorithm developed by the
For example, when a coupon number consisting of 16 digits is issued in the same manner as a credit card number, a card company code number is assigned to the first to sixth digits of the coupon number, a coupon code number and a coupon code Serial number, and finally check digit at the 16th digit.
If the issued coupon number is " 1234123412341234 ", "123412" represents the code number of the card company, "34123" represents the code number of the coupon issuer, "4123" "Can indicate a check digit.
According to an embodiment of the present invention, the coupon number may include only numerals as in the above-described example, or may be a form in which numbers and characters are mixed or characters are included.
The coupon
The settlement
According to an embodiment of the present invention, the settlement
For example, when the coupon number of "1234123412341234" is received at the
The validity
At this time, the validity
When it is determined that the received coupon number is valid, the
The
According to one embodiment of the present invention, the
The tax
For example, if the coupon number issued by the coupon
FIG. 3 is a flowchart illustrating coupon settlement processing performed by a card issuer server according to an exemplary embodiment of the present invention.
First, the
The coupon number of the coupon to be used may be inputted together with the amount information to be paid through the coupon in the
When the coupon number of the coupon to be settled to the
Specifically, when the voucher settlement of the
Upon receiving the coupon settlement request from the
If it is confirmed that the received coupon number is a valid coupon number, the
Thereafter, the
According to an embodiment of the present invention, the
According to another embodiment of the present invention, the
4 is a diagram illustrating coupon numbers issued by the
4, a coupon number according to an exemplary embodiment of the present invention includes a card company code 410, a coupon code number and serial number 420, and a
At this time, as described above, the card company code number 410 is stored in the first to sixth digits of the coupon number, the coupon code number and the coupon serial number 420 are stored in the seventh to fifteenth digits, And the check digit (430) may be assigned to the zeroth digit.
According to an embodiment of the present invention, the number of the coupon yarn code number assigned to the 7th to 15th place of the coupon number and the number of the serial number 420 of the coupon may vary.
For example, the coupon code number of the 7th to 15th digits of the coupon number may be assigned to the 7th to 9th digits, the serial number of the coupon may be assigned to the 10th to 15th digits, The number of the subscription code may be assigned to the seventh to eleventh digits, and the serial number of the coupon may be assigned to the twelfth to fifteenth digits. However, it is not limited thereto.
According to another embodiment of the present invention, the 16-digit number of the coupon number issued by the
Further, the number of digits of the coupon number is not limited to 16 digits, but the number of digits may be changed according to the card issuer issuing the coupon number. However, even if the number of digits of the coupon number is changed, Lt; RTI ID = 0.0 > credit card numbering system.
As described above, according to the embodiment of the present invention, the coupon number can be issued in the same system as the credit card number system, and coupon settlement processing can be performed using the existing card company server, VAN company, and merchant network, And the time and expense spent on merchant development can be reduced.
According to an embodiment of the present invention, coupon numbers issued in the same system as the credit card number system can be linked to the
It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.
It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.
The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.
100: Card issuer server
110: coupon number issuer
120: settlement request receiver
130: Validation number confirmation unit
140: coupon settlement part
150: Tax refinance processor
200: VAN company
300: Merchant terminal
400: Coupon issuer server
410: Credit card code number
420: coupon code number and serial number
430: Check digit
Claims (6)
Issuing a coupon number in the same system as the credit card number system;
Receiving a coupon settlement request including a coupon number of a coupon to be settled and an amount of money to be paid through the coupon from the merchant terminal;
Confirming whether the received coupon number is valid; And
And if the received coupon number is found to be valid, calculating a cost based on the coupon usage based on the received coupon number and the amount information, and transmitting the settlement result to the merchant terminal .
The coupon number issue step may include:
A coupon code number, a coupon code number, a serial number, and a check digit.
Further comprising transmitting the issued coupon number to a tax re-fund provider server to process the tax re-fund with a coupon number issued in the same system as the credit card number system.
A settlement request receiving unit that receives a coupon settlement request including a coupon number of a coupon to be settled and an amount of money to be set through the coupon from the merchant terminal;
An effective number confirmation unit for confirming whether the received coupon number is valid; And
And a coupon settlement unit for calculating a cost based on the coupon usage based on the received coupon number and the amount information when the received coupon number is found to be valid and for transmitting the calculated details to the merchant terminal, .
The coupon number issuing unit,
A coupon code number, a credit card number, a coupon code number, a serial number, and a check digit.
Further comprising a tax re-fund processing unit for transmitting the issued coupon number to a tax re-fund company server so as to process the tax re-fund with a coupon number issued in the same system as the credit card number system.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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KR1020150169261A KR20170063188A (en) | 2015-11-30 | 2015-11-30 | Method for calculating coupons through card company server and card company server performing the same |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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KR1020150169261A KR20170063188A (en) | 2015-11-30 | 2015-11-30 | Method for calculating coupons through card company server and card company server performing the same |
Publications (1)
Publication Number | Publication Date |
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KR20170063188A true KR20170063188A (en) | 2017-06-08 |
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KR1020150169261A KR20170063188A (en) | 2015-11-30 | 2015-11-30 | Method for calculating coupons through card company server and card company server performing the same |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2019198848A1 (en) * | 2018-04-13 | 2019-10-17 | 주식회사 로드시스템 | System and method for refunding foreigners' taxes |
-
2015
- 2015-11-30 KR KR1020150169261A patent/KR20170063188A/en not_active Application Discontinuation
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2019198848A1 (en) * | 2018-04-13 | 2019-10-17 | 주식회사 로드시스템 | System and method for refunding foreigners' taxes |
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