WO2010137803A2 - Système de règlement utilisant des données de clients stockées dans une base de données - Google Patents

Système de règlement utilisant des données de clients stockées dans une base de données Download PDF

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Publication number
WO2010137803A2
WO2010137803A2 PCT/KR2010/002663 KR2010002663W WO2010137803A2 WO 2010137803 A2 WO2010137803 A2 WO 2010137803A2 KR 2010002663 W KR2010002663 W KR 2010002663W WO 2010137803 A2 WO2010137803 A2 WO 2010137803A2
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WO
WIPO (PCT)
Prior art keywords
consumer
information
payment
unit
database
Prior art date
Application number
PCT/KR2010/002663
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English (en)
Korean (ko)
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WO2010137803A3 (fr
Inventor
심충보
Original Assignee
Shim Chung Bo
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Filing date
Publication date
Application filed by Shim Chung Bo filed Critical Shim Chung Bo
Publication of WO2010137803A2 publication Critical patent/WO2010137803A2/fr
Publication of WO2010137803A3 publication Critical patent/WO2010137803A3/fr

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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
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • 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
    • G06Q30/0269—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
    • G06Q30/04—Billing or invoicing

Definitions

  • the present invention relates to a payment system, and more particularly, to store information of a consumer including cyber money account information in an information processing server connected to a network, and to use the payment, to analyze and process the payment and to provide it to the consumer. It's about the system.
  • the conventional parking system not only causes waste of natural resources by issuing a parking ticket used once but also induces an unmanned parking system, thereby inducing additional manpower, resulting in an inefficiency in increasing management costs.
  • the present invention was devised to solve the above problems, by issuing an electronic receipt, an electronic coupon to prevent waste of paper resources for printing receipts and coupons, shipping costs, labor costs for delivering coupons and flyers, etc. It aims to reduce.
  • cyber money as a payment method, it provides a payment system that allows consumers to purchase goods at stores without having to carry cash, securities, or credit cards, and improves the resource liquidity of a company by prepaying cyber money. It is aimed at letting.
  • an information processing server that stores consumer information to provide consumer information stored in the information processing server, such as an online account book function to induce consumers to the online site and at the same time to inspire the consumer loyalty.
  • the basic database is stored consumer basic information; And a receipt information transmission unit for transmitting the payment information of the completed payment to the consumer, wherein the receipt information transmission unit sends the payment information to an e-mail address or a mobile communication terminal of the consumer stored in the basic database.
  • a payment system for transmitting is stored.
  • the information processing server may further include an account database in which cyber money account information is stored for each consumer.
  • the information processing server may further include a purchase history database in which purchase history information is stored for each consumer.
  • the information processing server may further include a coupon database for storing coupon information of goods for each consumer.
  • the information processing server may further include a payment processing unit which deducts a payment amount from the cyber money stored in the account database and accumulates a predetermined cyber money in a cyber money account of the consumer when the payment means is cyber money.
  • the information processing server may further include a selection signal processing unit for receiving a selection signal input by a consumer.
  • the selection signal processor may accumulate a predetermined cyber money in the consumer's cyber money account stored in the account database when the selection signal is a 'earn' signal.
  • the selection signal processor may deduct the payment amount of the consumer.
  • the information processing server analyzes the purchase history stored in the purchase history database to determine the purchase propensity for each consumer, and e-mail or movement of the consumer stored in the basic database for the product advertisement and coupon preferred by the consumer based on the purchase propensity. It may further include an advertisement providing unit for transmitting to a communication terminal.
  • the advertisement providing unit may store the transmitted coupon in the coupon database.
  • It may further include an information providing unit for providing the information stored in the database to the consumer logged in via the network.
  • the information processing server may further include a charging processing unit which receives charging charge amount information from a charging terminal connected to the information processing server through a network, charges the consumer account of the account database, and transmits a charging confirmation signal to the charging terminal. have.
  • the charging processing unit may differentially charge the cyber money in the user's account according to the charging amount or purchase degree.
  • the terminal may further include a store terminal provided in the store and connected to the information processing server through a network, wherein the store terminal may include an identification information input unit for inputting consumer identification information.
  • the shopping cart may further include a cart including an identification information input unit for inputting consumer identification information.
  • the store terminal may include an identification information receiver, and may transmit consumer identification information input to the identification information input unit to the identification information receiver.
  • the consumer may be identified by comparing the consumer identification information obtained through the identification information input unit of the store terminal or the identification information receiver of the store terminal with the consumer basic information stored in the basic database.
  • the identification information receiver of the store terminal may be located at the same height as the identification information input unit provided in the cart.
  • the information processing server may further include a coupon transmission unit for transmitting the coupon information stored in the coupon database to the store terminal, when the consumer identification is confirmed.
  • the charging terminal may be a user terminal.
  • the charging terminal is a store charger located in or adjacent to the store, the store charger includes an identification information input unit for inputting consumer identification information; A charge storage unit for depositing a charge deposit amount; A transmission unit which transmits the consumer identification information and the chargeback amount to the information processing server; And a receiving unit receiving a charging confirmation signal from the information processing server.
  • the store charger may further include an output unit for outputting charging related information or receipt related information.
  • the store charger may further include a printing unit for printing a receipt.
  • a predetermined cyber money may be deducted from the cyber money account of the account database.
  • the information processing server may further include a parking ticket management unit for issuing and storing a free parking coupon to which a free parking time is allocated in proportion to a payment amount.
  • Located at the entrance of the parking lot may include an entrance terminal for identifying the consumer when the consumer vehicle enters the parking lot and transmits the entry time to the parking rights management unit.
  • Located at the exit of the parking lot may include an exit terminal for identifying the consumer when the consumer vehicle leaves the parking lot and set the parking fee based on the free parking coupon stored in the parking rights management unit.
  • the present invention it is possible to prevent waste of paper resources for printing receipts and coupons, and to reduce shipping costs, labor costs, etc. for delivering coupons and flyers. In addition, consumers can benefit from the cost of printing paper receipts.
  • the information processing server that stores the consumer information using the consumer information stored in the information processing server to provide a variety of functions, such as electronic household accounting function, it is effective to induce consumers to the online site and to inspire the consumer's royalties .
  • 1 is a schematic diagram showing each configuration of the present invention payment system.
  • FIG. 2 is a diagram illustrating a payment flow diagram when a consumer makes a payment at a store.
  • the consumer in order to build the present invention payment system, the consumer must be connected to the information processing server of the payment system through a user terminal connected to the network to register.
  • the consumer is provided with a member ID for entering basic consumer information and identifying the consumer while registering.
  • the payment means of the present invention payment system may be cash, securities, credit cards, or cyber money.
  • 1 is a schematic diagram showing each configuration of the present invention payment system.
  • the payment system of the present invention includes a store terminal 100, a charging terminal 200, the inlet terminal 310, the outlet terminal 320, the information processing server 500.
  • the store terminal 100 includes an identification information input unit 111 for inputting consumer identification information.
  • the consumer identification information may be a member ID or a social security number as information for identifying a consumer.
  • the store terminal 100 is provided at a counter of the store and connected to the information processing server 500 through a network.
  • a member card including the member ID information may be inserted into the identification information input unit 111 through a non-contact communication, or a social security number or member ID may be inputted through an input means such as a keyboard. You can enter
  • the input consumer identification information is compared with the consumer basic information stored in the basic database 511 of the information processing server 500 to confirm consumer identification.
  • the store terminal 100 may further include an identification information receiver 112, and the payment system may further include a cart 150 provided with an identification information input unit 151.
  • the method of inputting consumer identification information to the identification information input unit 151 is the same as the identification information input unit 111 provided in the store terminal 100.
  • the consumer identification information input to the identification information input unit 151 is transmitted to the identification information receiver 112 of the store terminal 100.
  • the consumer identification information input unit 151 in the cart 150 By providing the identification information input unit 151 in the cart 150, the consumer identification information is input in advance while the consumer is shopping or waiting to make a calculation at the counter, and the consumer identification information is obtained when it is time to perform the calculation. There is no need to enter it, which reduces the calculation time at the counter.
  • the identification information input unit 151 provided in the cart 150 and the identification information receiver 112 provided in the store terminal 100 are located at the same height, and the cart 150 is used to calculate an item to be purchased by a consumer. When the information is taken to the counter, the information input to the identification information input unit 151 is automatically transmitted to the identification information receiver 112.
  • the consumer identification information received by the identification information receiver 121 is checked against the consumer basic information stored in the basic database 511 of the information processing server 500 as described above.
  • the information processing server 500 includes a basic database 511, an account database 512, a purchase history database 513, a coupon database 514, a receipt information transmission unit 521, a payment processing unit 522, and a selection signal processing unit ( 523, an advertisement providing unit 524, an information providing unit 525, a charging processing unit 527, a coupon transmitting unit 526, and a parking right management unit 528.
  • the basic database 511 stores basic consumer information, and the basic consumer information includes all information including personal information of the consumer such as a social security number, a member ID, a password, an e-mail address, a mobile communication number, an address, and a vehicle number. .
  • the account database 512 the balance of the cyber money account allocated to each consumer, cyber money charging history information, and the like are stored.
  • the purchase history database 513 stores information such as a list of goods purchased by a consumer, an amount of money, and a purchase date and time.
  • Coupon database 514 stores the coupon information assigned to the consumer.
  • the coupon transmission unit 526 transmits the coupon information stored in the coupon database 514 to the store terminal 100 when the consumer identification is confirmed in the store terminal 100.
  • the selection signal processing unit 523 receives a selection signal input from the store terminal 100, and if the selection signal is 'earn', a predetermined cyber money is accumulated in a cyber money account of the account database 512, and the selection is made. If the signal is a 'discount', the consumer discounts a predetermined amount from the payment price of the goods to be paid.
  • the selection signal is inputted through the store terminal 100 and then transmitted to the selection signal processor 523.
  • the payment processing unit 522 deducts a payment price from the cyber money stored in the account database 512 when the payment means is cyber money.
  • a predetermined cyber money proportional to the payment amount can be accumulated in the consumer's cyber money account.
  • the payment processing unit 522 receives a payment approval request signal transmitted from the store terminal 100 when the payment means is cyber money.
  • the payment processing unit 522 receives the payment approval request signal and checks the balance of the cyber money account stored in the account database 512.
  • the cyber money is subtracted from the cyber money account by the payment price, and a payment approval confirmation signal is transmitted to the receipt information transmission unit 521.
  • a non-payment confirmation signal is transmitted to the store terminal 100.
  • the consumer may change the payment method to cash, credit card, or securities.
  • the receipt information transmitting unit 521 transmits the electronic receipt to the consumer's e-mail address or mobile communication terminal stored in the basic database 511.
  • the payment processing unit 522 transmits a payment approval confirmation signal
  • the electronic receipt is sent to the consumer's e-mail address or mobile communication terminal after receiving the payment confirmation signal.
  • the electronic receipt is transmitted to the consumer's e-mail address or mobile communication terminal.
  • the advertisement providing unit 524 analyzes the purchase history of the consumer stored in the purchase history database 513 to determine the purchase propensity for each consumer. In addition, based on the purchase propensity, a consumer's preferred item advertisement and discount coupon are transmitted to the consumer's e-mail or mobile communication terminal, and the discount coupon is stored in the coupon database 514.
  • the determination data of the purchase tendency may be a purchase history, a purchase history for each item, a payment price for each item, etc. of the consumer stored in the purchase history database 513.
  • the consumer frequently purchases the goods, the purchase information of the preferred goods, discount information, or discount coupons, etc. are transmitted to the consumer's e-mail or mobile communication terminal, and the discount coupon is the coupon database 514 Store in
  • the information provider 525 stores all the information stored in the database 511, 512, 513, 514. To provide.
  • the information provided includes all the information stored in the basic database 511, the cyber money balance stored in the account database 512, the charging history, etc., the purchase history for each period stored in the purchase history database 513, purchase history for each item, It may be coupon information stored in the coupon database 514, such as payment for each item.
  • the information stored in the purchase history database 513 may be analyzed to provide information analyzing the purchasing tendency of the consumer.
  • the electronic account book function is provided to the consumer based on the purchase history, the charge history of the cyber money, and the like.
  • the network includes a wired and wireless network
  • the user terminal 220 may be any means capable of connecting to a network such as a PC, a PDA, a mobile communication terminal, and the like.
  • the charging processing unit 527 receives charging charge amount information and consumer identification information from the charging terminal 200 and charges the cyber money account of the account database 512. In addition, the charging confirmation signal is transmitted to the charging terminal 200.
  • the recharge amount refers to the amount of cash deposited by the consumer, or the amount paid through a credit card.
  • the charging processor 527 calculates a charging amount to be charged in the cyber money account in proportion to the charging amount. In other words, the higher the charge amount is, the larger the amount charged.
  • the purchase amount is calculated based on the information stored in the purchase history database 513 to calculate the charge amount in proportion to the purchase degree.
  • the purchase degree is a value calculated based on a purchase price and a purchase frequency of each consumer stored in the purchase history database 513.
  • the charging terminal 200 may be a user terminal 220 as a device capable of charging the cyber money.
  • the user terminal 220 refers to any means that can be connected to a network such as a personal computer (PC), mobile communication terminal, PDA, etc. to make an electronic payment.
  • PC personal computer
  • PDA personal digital assistant
  • the user terminal 220 is connected to the information processing server 500 through a network.
  • the consumer pays the cyber money through a means capable of electronic payment such as a credit card or securities through the user terminal 220 and transmits the charging amount information to the charging processing unit 527.
  • the charging terminal 200 may be a store charger 210 located in or adjacent to the store.
  • the store charger 210 is connected to the information processing server 500 through a network.
  • the store charger 210 includes an identification information input unit 211, a charge storage unit 212, a transmitter 213, and a receiver 214.
  • the identification information input unit 211 is a means for inputting identification information to the consumer, the information input method 111 and the operation principle of the identification information input unit 111 of the store terminal 100 is the same.
  • the filling liquid storage unit 212 stores the amount of money that the consumer wants to charge.
  • the filling unit 212 includes a payment means that can be paid through a storage means or a credit card for receiving cash.
  • the transmission unit 213 transmits the consumer identification information and the charge-in amount to the charging processing unit 527, and the receiving unit 214 receives a charging confirmation signal from the charging processing unit 527 that the charging is completed.
  • the store charger 210 may further include an output unit 215 for outputting charging related information or receipt related information.
  • the output unit 215 may output information such as the amount of charge, the balance of the cyber money account, and the like when the charging is completed, including the progress of charging.
  • the output unit 215 may output the purchase history stored in the purchase history database 513 on the screen.
  • the database 511 (512) 512 through the output unit 215 of the store charger 210, receipt information, purchase history information, coupon information, etc. Information stored in the 513 and 514 can be checked.
  • the store charger 210 may further include a printing unit 216 for printing a receipt.
  • the paper receipt may be printed through the printing unit 216.
  • the charging receipt can be printed when the charging is completed.
  • the parking ticket management unit 528 issues and stores a free parking coupon to which a free parking time is allocated in proportion to the payment amount. In addition, the entry time of the parking lot of the consumer vehicle received from the entrance terminal 310 is stored.
  • a free parking coupon is assigned to the consumer.
  • the assigned free parking coupon is stored in the parking ticket management unit 528.
  • the free parking coupon is displayed free parking time, the free parking time is calculated in proportion to the payment amount.
  • the entrance terminal 310 is located at the entrance of the parking lot and identifies the consumer when the consumer vehicle enters the parking lot and transmits an entry time to the parking right management unit 528.
  • the inlet terminal 310 is connected to the information processing server 500 through a network.
  • the entrance terminal 310 may include a member card reader, and the consumer may be able to confirm consumer identification by placing the member card in the member card reader.
  • the entrance terminal 310 may include a member card detection device, and when the consumer has a member card inside the vehicle and locates the vehicle near the entrance terminal 310, the member card detection device is a member card. It may be possible to confirm the identification of consumers.
  • the entrance terminal 310 may include a camera, and identify the consumer by checking the vehicle number of the consumer by using the camera and comparing it with the basic consumer information of the basic database 511.
  • the entrance terminal 310 transmits the parking lot entrance time of the consumer vehicle to the parking right management unit 528 after confirming the consumer identification.
  • the exit terminal 320 is located at the exit of the parking lot and identifies the consumer when the consumer vehicle leaves the parking lot and calculates the parking fee based on the free parking coupon stored in the parking ticket management unit 528.
  • the exit terminal 320 is connected to the information processing server 500 through a network, and the method of identifying a consumer is the same as the method of identifying the entrance terminal 310.
  • the exit terminal 320 calculates the parking fee based on the entrance time of the consumer and the free parking coupon stored in the parking ticket management unit 528.
  • the exit terminal 320 may include a settlement unit for billing if the parking time exceeds the free parking time displayed on the free parking coupon.
  • the consumer may settle the billing through the settlement unit and the payment means may be cash, credit card, or cyber money.
  • FIG. 2 is a diagram illustrating a payment flow diagram when a consumer makes a payment at a store.
  • the customer identification at the counter is needed to calculate the purchase.
  • the consumer identification can be confirmed by inputting the consumer identification information through the identification information input unit 111 provided in the store terminal 100 and comparing it with the consumer basic information of the basic database 511.
  • the consumer identification information input through the identification information input unit 151 provided in the cart 150 may be received through the identification information receiver 112 provided in the store terminal 100, and the information may be stored in the basic database 511. By contrasting with consumer basic information.
  • the store terminal 100 receives the coupon of the consumer transmitted by the coupon transmitter 526.
  • the transferred coupon can be automatically applied as the cashier at the counter calculates the price of the article.
  • the consumer or the clerk inputs the selection signal through the input means provided in the store terminal 100.
  • the input selection signal is transmitted to the selection signal processing unit 523.
  • the selection signal processing unit 523 accumulates a predetermined cyber money in the consumer's cyber money account if the received selection signal is 'established', and discounts a predetermined amount from the payment price if the received selection signal is 'discount'.
  • the payment method may be cash, securities, credit card, or cyber money.
  • the store terminal 100 transmits a payment approval confirmation signal to the receipt information transmission unit 521.
  • the store terminal 100 transmits a payment approval confirmation signal to the receipt information transmission unit 521.
  • a password is input from the consumer through the input means provided in the store terminal 100.
  • the store terminal 100 transmits a payment approval request signal including the password information and the payment price information to the payment processing unit 522.
  • the payment processor 522 compares and compares the received password information with the information stored in the basic database 511.
  • the payment processing unit 522 If the password received by the payment processing unit 522 and the password stored in the basic database 511 do not match, the payment processing unit 522 transmits a payment approval confirmation signal to the store terminal 100.
  • the cyber money account is subtracted from the cyber money account by the payment amount after the payment is approved, and a payment approval confirmation signal is transmitted to the receipt information transmission unit 521.
  • a non-payment confirmation signal is transmitted to the store terminal 100.
  • the receipt information transmission unit 521 receives a payment approval confirmation signal from the store terminal 100 or the payment processing unit 522.
  • the electronic receipt Upon receiving the payment approval confirmation signal, the electronic receipt is transmitted to the e-mail address or the mobile communication terminal stored in the basic database 511.

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Abstract

La présente invention concerne un système de règlement comprenant un serveur de traitement d'informations qui contient: une base de données de base dans laquelle sont stockées des informations d'utilisateurs de base; et une unité de transmission d'informations de reçus qui permet de transmettre à l'utilisateur des informations de règlement portant sur des règlements effectués par l'utilisateur; l'unité de transmission d'informations de reçus transmettant les informations de règlement à un terminal de communications mobile ou une adresse électronique de l'utilisateur stockée dans la base de données de base.
PCT/KR2010/002663 2009-05-29 2010-04-28 Système de règlement utilisant des données de clients stockées dans une base de données WO2010137803A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2009-0047649 2009-05-29
KR1020090047649A KR20100128952A (ko) 2009-05-29 2009-05-29 데이터베이스에 저장된 고객정보를 이용한 결제시스템

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WO2010137803A2 true WO2010137803A2 (fr) 2010-12-02
WO2010137803A3 WO2010137803A3 (fr) 2011-01-27

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KR101712119B1 (ko) * 2015-07-09 2017-03-03 국민대학교산학협력단 비트코인의 거래 알림 장치 및 거래 알림 방법
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