KR20130089717A

KR20130089717A - System and method for payment using pay later coupon

Info

Publication number: KR20130089717A
Application number: KR1020110146145A
Authority: KR
Inventors: 김성호; 신형석
Original assignee: 김성호; 신형석
Priority date: 2011-12-29
Filing date: 2011-12-29
Publication date: 2013-08-13

Abstract

The present invention is to provide a payment system and a method using a trauma coupon that the user is first provided with the coupon in trauma, and pays for the coupon through a cash or a separate deduction method after a period of time, the local store Provide the coupon issued from the user terminal using the online account information as collateral, and if the provided coupon is used, the settlement fee for the deduction of the settlement cost of the used credit coupon after the predetermined period The coupon provider server that performs the payment, and the payment cost of the trauma coupon provided by the coupon provider server to the user by subtracting the payment cost of the trauma coupon according to the frequency of exposure of its promotional and marketing content to the user. Includes a promotional and marketing server to pay billing fees to Open it consists.

Description

Payment system using credit card and method thereof {System and method for payment using pay later coupon}

The present invention relates to a payment system and a method using a coupon, and more particularly to a payment system and a method using a trauma coupon to use the coupon first and pay for the coupon after a certain period.

Routes that sell products can be divided into online and offline depending on whether the Internet is used. In addition, in order to activate sales, sellers are promoting products in various ways, and promotion methods are being developed in various ways depending on online or offline characteristics.

As such, the sellers are trying to develop a system that can induce more active customer participation in order to maximize sales, and one of the new marketing methods that can satisfy the needs of the seller is the use of coupons. In other words, the company distributed paper discount coupons in the form of paper to customers, either directly or through discount business agents, as part of its promotion or sales promotion, or as part of a private bank. And the customer cut and used the relevant paper coupon among the discount coupon distributed. In addition, as the spread of mobile devices such as mobile phones and smart phones has been expanded and wireless communication technology has been developed, coupons that customers want to use in mobile devices are provided by providing discount coupons in the form of bar codes and QR codes on the Internet or wireless Internet. By downloading and presenting a coupon corresponding to an item when purchasing an item, a method of performing a payment has been commercialized.

On the other hand, recently referred to as social commerce (social commerce), e-commerce using social network services (SNS), such as Facebook, Twitter has been used as a coupon method. In other words, the user purchases in advance a coupon that can use a product registered by a social commerce company at a predetermined discount rate, and purchases the corresponding product using the purchased coupon within a predetermined period. Therefore, the retailer can save the cost of marketing because consumers gather the buyers while promoting the product voluntarily through social network services, and is recently used as a promotion and marketing means as well as product sales. In this case, as a product used for a coupon, products such as performances, restaurants, cafes, beauty-related small businesses, as well as leisure, fashion, home appliances, and food products are also used.

However, in the case of the above-mentioned conventional coupons, discount coupons that are distributed free of charge are very low, so it is difficult to obtain a great benefit when purchasing a product, and in the case of coupons used in social commerce, after payment for the products is made in advance If the store is closed after purchase, or if there is a dispute due to the service of the store, it is difficult to use the purchased coupon. In most cases, the purchased coupon is not available. All the billing of the credit card according to the state has been completed, so the refund process is complicated, and the possibility of disputes arises.

Therefore, the user has no choice but to participate in the transaction only by trusting the social commerce company and the corresponding shop that generated the coupon, and thus has a lot of damage. However, even though these problems are exposed, the payment system of the present coupon is applying the existing credit security-oriented payment system, so a system and method of a specialized payment service that can prevent the damage of users due to the payment of the coupon which is recently increasing is required. have.

Therefore, the present invention has been made in order to solve the above problems, the user is provided with a coupon in the first use of the trauma, and using a traumatic coupon to pay for the coupon through a cash or separate deduction method after a certain period of time Its purpose is to provide a payment system and a method thereof.

Another object of the present invention is to receive a coupon as a security of his online account information and authorization, such as his mobile number, Facebook, Cyworld and G-mail account, etc., in order to use the credit coupon, and can not settle costs In this case, the present invention provides a payment system and a method using a credit coupon for paying a coupon fee used through online account information and authorization, etc. used as collateral.

It is still another object of the present invention to provide a payment system and method for using a credit card, which enables the payment of the used credit card fee to be paid through a payment cost deduction method provided by a promotional and marketing means of the issuing companies. It is.

A feature of the payment system using a credit coupon according to the present invention for achieving the above object is to provide a coupon issued from a local store to the user terminal using their online account information as collateral, and if the provided coupon is completed Promote the company to the user of the coupon provider server for performing the payment by performing the settlement plan for the subtraction of the payment cost of the used credit coupon after a predefined period, and the payment cost of the credit coupon provided by the coupon provider server to the user And a promotion and marketing server that subtracts the payment cost of the trauma coupon according to the exposure frequency of marketing content and pays the payment cost to the coupon operator server instead of the user.

Preferably, the coupon operator server is provided in the form of a coupon to purchase goods and services sold from local stores, a coupon management unit for managing the coupons provided to the user terminal for each local store, the user, and the own app installed in the user terminal ( App) through the web browser through the user's online information through the online account information to register, provide a coupon to the registered user, when the use is complete, the payment of the cost of the coupon used after a predetermined period for each coupon A user service unit that provides a service, and a cost processing unit that approves the settlement of the trauma coupon in comparison with the settlement cost by using a deduction of the settlement cost of cash or a credit coupon received from the user through the payment service provided by the user service unit. With its promotional and marketing servers, A public relations affiliation processing unit that searches for public relations and marketing contents, and classifies and classifies the contents according to the deduction cost through at least one of the size, progress time, importance, and contract cost of the public relations and marketing contents; A settlement plan generation unit for extracting at least one promotional and marketing content corresponding to the payment cost of the trauma coupon, and generating a settlement plan for deducting the trauma cost combined with the extracted promotion and marketing contents, and a local store And an information database for storing information, user information, public relations cooperation information, cost deduction information, and settlement plan information.

Preferably, the coupon management unit is characterized by managing the process from the use of the coupon to the payment through the use of the corresponding coupon, the period of use, the type and amount of goods / services, and the payment period after use.

Preferably, the cost processing unit may reduce the trauma coupon cost by exposing to the user the promotion and marketing content provided for the trauma cost deduction from the promotion and marketing server.

Preferably, the settlement plan provides the combined promotional and marketing contents to the user terminal through the user service unit so that the combined promotional and marketing contents are exposed to the user, thereby subtracting the trauma settlement cost according to the exposure frequency.

Features of the payment method using a traumatic coupon according to the present invention for achieving the above object is (A) purchasing goods or services from a local store, receiving the purchased goods or services in the form of a coupon, (B ) Upload a coupon app or coupon web browser for using a credit coupon on a user terminal through the user service department, and when the user is connected online and the user's online account information is entered together with the registration request, the user who applied for registration Registering the coupon with the coupon operator server, and (C) providing the coupon provided at the local store to the registered user terminal as collateral with online account information such as online account and authorization, and (D) ) After the use of the trauma coupon provided to the user as a trauma is confirmed, after a predetermined period defined in advance for each coupon Providing a payment service using a settlement plan according to the payment cost deduction of the used credit coupon, and (E) step (D) until the payment of the credit payment through the cost payment service is completed It comprises a repeating step.

Preferably, the coupon provided in the step (C) is a payment method and payment period is determined for each coupon, and the predetermined payment period is concluded with the local store at the user who receives the offer, the local store providing the coupon, or the coupon operator server. Characterized in accordance with the terms of the contract.

Preferably step (C) is characterized in that provided via a mobile communication network via SMS, MMS, or through the Internet network.

Preferably step (D) is to search for its promotional and marketing content provided by the publicity and marketing server, by using the at least one of the size, progress time, importance, contract cost of the promotion and marketing content by the deduction cost Classifying, extracting at least one promotion and marketing content corresponding to the payment cost of the trauma coupon among the classified promotion and marketing contents, and settling for deduction of trauma cost combined with the extracted promotion and marketing contents Generating a plan, providing promotional and marketing content combined with the generated settlement plan to a user terminal to expose the publicity and marketing content to the user, and the user's trauma according to the frequency of exposure of the publicity and marketing content Deducting the cost and reimburse until the user's credit costs are all deducted. And providing continuous exposure of the publicity and marketing content in a predetermined order according to the settlement plan.

Preferably, the amount of the traumatic cost to be subtracted may be subtracted by a predetermined cost according to the exposure frequency.

As described above, the payment system and the method using the credit card according to the present invention has the following effects.

First, it is possible to post-pay the product with collateral, such as its online account information and authorization, thereby inducing consumption and activating online account information such as online account and authorization through credit transactions.

Second, by allowing payment of used credit coupons through payment deduction method provided as a means of promotion and marketing by the issuing vendors, sellers can attract more customers and meet profits. A system can be provided.

Third, only the social commerce company that generated the coupon and the trust in the store are forced to participate in the coupon transaction, which can cause a lot of damages. It can be increased more.

1 is a block diagram showing the structure of a payment system using a credit coupon according to an embodiment of the present invention
2 is a block diagram showing in detail the structure of the coupon operator server of FIG.
3 is a flowchart illustrating a payment method using a credit card according to an embodiment of the present invention.
4 is a flow chart for explaining in detail the payment service of FIG.

Other objects, features and advantages of the present invention will become apparent from the detailed description of the embodiments with reference to the accompanying drawings.

Referring to the accompanying drawings, a preferred embodiment of a payment system and a method using a credit coupon according to the present invention will be described. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. It is provided to let you know. Therefore, the embodiments described in this specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention and do not represent all the technical ideas of the present invention. Therefore, It is to be understood that equivalents and modifications are possible.

1 is a block diagram showing the structure of a payment system using a credit card according to an embodiment of the present invention.

As shown in FIG. 1, the payment system issues a coupon and a local store 100 that provides a service corresponding to the coupon to a user having the issued coupon, and the coupon issued from the local store 100 in his online account. And providing the online account information such as authorization to the terminal 400 of the user who wants to use it as collateral, and when the provided coupon is used, performing a payment through a method of deducting the payment cost of the used credit coupon after a certain period of time. Coupon service provider on behalf of the user by subtracting the payment cost of the external credit coupon according to the frequency of exposure of its promotional and marketing contents to the user of the payment cost of the coupon company server 200 and the credit coupon provided by the coupon company server 200 It includes a promotional and marketing server 300 that pays a payment fee to the server (200).

The local shop 100 includes a service industry such as catering, a performance, a jjimjilbang, a cafe, a skin / beauty management room, as well as a store that sells products such as leisure, fashion, home appliances, and food.

As shown in FIG. 2, the coupon operator server 200 generates a coupon management unit 210, a user service unit 220, a cost processing unit 230, a public relations cooperation processing unit 240, and a settlement plan. It is composed of a unit 250 and an information database unit 260.

At this time, the coupon management unit 210 receives the goods and services sold from the local store 100 in a B2B manner to receive a discount in the form of coupons, and manages the coupons provided to the user terminal for each local store, for each user. That is, the coupon management unit 210 manages the process from the use of the coupon to the payment through the use of the corresponding coupon, the period of use, the type and amount of goods and services, and the period of payment after use (1 to 12 months). Will be.

The user service unit 220 is a means for the service to proceed through its own app (App) and a web browser installed on the user terminal, the online account and authority of the user's mobile number, Facebook, cyworld and G-mail account, etc. Register and receive user online information through online account information such as granting, and provide a coupon issued by the local store 100 to a registered user, and when the use is completed, the user uses the coupon after a predetermined period defined for each coupon. Payment service is provided through the payment cost deduction method of the received credit coupon.

The cost processing unit 230 compares the payment of credit charges using the payment cost deduction method of cash or credit coupons received from the user through the payment service provided by the user service unit 220 to compare the payment with the payment cost I approve. In this case, the deposit of cash is made as much as the payment cost of the coupon used through online bank transfer, and the payment cost deduction method of the above-mentioned foreign coupon is provided by the promotion and marketing server 300 for the reduction of the trauma cost and By exposing the marketing content to the user, it is made in such a way as to subtract the traumatic coupon cost. For reference, the payment cost deduction method of the external coupon will be described in detail below.

The promotion affiliate processing unit 240 searches for its promotion and marketing contents provided by the promotion and marketing server 300, and distinguishes by the deduction cost through the size, progress time, importance, contract cost, etc. of the promotion and marketing contents. Classify.

The settlement plan generation unit 250 extracts at least one promotion and marketing content corresponding to the payment cost of the trauma coupon among the promotion and marketing contents classified by the promotion affiliate processing unit 240, and extracts the extracted promotion and marketing content. Create a settlement plan for credit charges combined. In this case, the generated settlement plan is provided so that the combined promotion and marketing contents are exposed to the user by providing the combined promotion and marketing contents to the user terminal through the user service unit 220.

The information database unit 260 stores local store information, user information, promotional affiliation information, cost deduction information, and settlement plan information. In this case, the local store information includes location information of the local store, issued coupon information, credit / grade information, payment / unpaid cost information, and the like. In addition, user information may include user online information, local information (resident area, activity area, etc.), credit / rating information, Includes coupon information provided, credit / grade information, payment / non-payment cost information, and settlement plan information in progress. In addition, the promotional affiliate information is included in the promotional and marketing content information (promotion and marketing content size, progress time, importance, contract cost, etc.) provided by the public relations and marketing server 300, and used in the settlement plan information provided to the user. Promotional and marketing content and unused promotional and marketing content information. In addition, the cost deduction information includes information on credit coupons and credit remaining credits deducted through the cash or settlement plan deposited for each user. In addition, the settlement plan information is generated by the settlement plan generation unit 250 to reduce the traumatic cost when the settlement of the cost according to the credit coupon used as a security for the user's online account information and authorization is not performed within a predetermined period. Auditory plans combined with integrated promotional and marketing content.

When described in detail with reference to the accompanying drawings, the operation of the payment system using a trauma coupon according to the present invention configured as follows. Like reference numerals in FIG. 1 or FIG. 2 denote the same members performing the same function.

3 is a flowchart illustrating a payment method using a credit card according to an embodiment of the present invention.

Referring to FIG. 3, first, the coupon operator server 200 purchases the same goods and services from the local store 100 in the B2B manner as a commercial sale price, and receives the purchased products and services in the form of a coupon ( S100). In this case, as a large amount of goods and services to be purchased, it can be purchased at a discounted amount rather than the market price.

Subsequently, the coupon operator server 200 uploads a coupon app and an coupon web browser for using a credit coupon on the user terminal through the user service unit 220. The user accesses the coupon provider server 200 online using the coupon web and the coupon web browser downloaded to his terminal and registers an online account such as his mobile number, Facebook, cyworld, and G-mail account. And enter online account information such as authorization. Then, the coupon operator server 200 registers the user who received and applied to the coupon operator server 200 (S200).

Then, the registered user terminal 400 provides a coupon issued by the local store 100 as a collateral online account information such as online account and authorization (S300). In this case, as the provided coupon is provided as a credit, it is preferable that a payment method and a settlement period are determined for each coupon in various ways, and the predetermined settlement period is for a user who is provided, a local store that provides a coupon, or a coupon provider. The server 200 is changed according to a contract condition concluded with a local store. Therefore, the payment method includes a lump sum, an installment, and the payment period may be determined by the number of months as in the case of a credit card such as 1 month to 12 months. However, it should be noted that this is only one embodiment and is not limited thereto. In addition, a method of providing a coupon to the user terminal 400 may be provided through a mobile communication network through SMS, MMS, or may be provided through an internet network. In addition, the type of coupon provided is an electronic coupon marked with a bar code, a QR code, etc., which is a well-known technique and a detailed description of the electronic coupon will be omitted.

The user then visits the local store 100 with the trauma coupon provided by the coupon operator server 200 to purchase a product or receive a service. Therefore, when the use of the trauma coupon provided to the user is confirmed, the coupon service provider server 200 provides a payment service to the user through a settlement cost deduction method of the used trauma coupon after a predetermined period for each coupon ( S400).

In addition, by continuously providing the user with the payment service until the payment of the credit coupon is completed, it is possible to postpaid the product with the online account information such as online account and authorization of the user as collateral (S500).

On the other hand, the step of providing the payment service provided to the user (S400) is made through the user service unit 220, a detailed description thereof is shown in FIG.

Referring to FIG. 4, the cost settlement service is first searched for its promotion and marketing contents provided by the promotion and marketing server 300 through the promotion affiliate processing unit 240, and the size and duration of the promotion and marketing contents. , Classify it by subtraction cost by importance, importance and contract cost. In addition, the settlement plan generation unit 250 extracts at least one promotion and marketing content corresponding to the payment cost of the trauma coupon among the classified promotion and marketing contents, and the trauma combined with the extracted promotion and marketing contents. Create a settlement plan for cost reduction (S410).

In the present specification, the generation of the settlement plan is described as being generated by the coupon provider server 200, but this is only an example, and may be generated by the promotion and marketing server 300 and provided to the coupon provider server 200. . However, the settlement plan is generated through the promotion and marketing contents.

Subsequently, the coupon service provider server 200 provides the user terminal with the promotional and marketing contents combined with the generated settlement plan through the user service unit 220, so that the promotional and marketing contents may be exposed to the user (S420). ).

The coupon operator server 200 deducts the traumatic cost of the user according to the exposure frequency of the promotion and marketing content through the cost processing unit 230 (S430). At this time, the amount of the traumatic cost to be subtracted is subtracted by a cost that is predefined according to the exposure frequency. In addition, the counting of the exposure frequency is a known technique, various embodiments are possible, and the present invention also counts the exposure frequency through such a known technique, and the characteristics of using the counted frequency, thus counting the exposure frequency Detailed description of the method will be omitted.

Thus, by continuously providing the exposure of the promotional and marketing content until all of the traumatic cost of the user is subtracted, all the traumatic coupon cost of the user is subtracted (S440). In this case, the type and time of the promotional and marketing content continuously provided to the user are predefined through the settlement plan generated above, and it is preferable to provide them in the planned order.

Although the technical spirit of the present invention described above has been described in detail in a preferred embodiment, it should be noted that the above-described embodiment is for the purpose of description and not of limitation. In addition, those skilled in the art will understand that various embodiments are possible within the scope of the technical idea of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims

Provide a coupon issued from a local store to a user terminal using their online account information as collateral, and perform a settlement plan for deduction of payment costs of the used credit coupon after a predefined period when the provided coupon is used. A coupon provider server that performs the payment by
Promotion and marketing that pays the payment cost to the coupon provider server on behalf of the user by subtracting the payment cost of the foreign coupon to the user according to the frequency of exposure of its promotional and marketing content to the user Payment system using a trauma coupon, characterized in that configured to include a server.

The method of claim 1,
The local shop is a payment system using a trauma coupon, characterized in that the store issuing a coupon and provides a service corresponding to the coupon to the user holding the issued coupon.

The method of claim 1, wherein the coupon provider server
A coupon management unit that purchases goods and services sold from local stores and is provided in the form of coupons, and manages coupons provided to user terminals by local stores and users;
Register and receive user online information through online account information through its own app and web browser installed on the user's device, and provide a coupon to registered users. A user service unit that provides a payment service for the coupon used;
A cost processing unit that approves the payment of the foreign coupons in comparison with the payment cost by using the payment cost deduction of cash or foreign coupons received from the user through the payment service provided by the user service unit;
A public relations affiliation processing unit that searches for its own promotional and marketing contents provided by the public relations and marketing server, and classifies the PR and marketing contents by subtracting the expenses through at least one of the size, duration, importance, and contract cost of the promotional and marketing contents;
A settlement plan for extracting at least one promotion and marketing content corresponding to the payment cost of the trauma coupon among the promotion and marketing contents classified by the promotion affiliate processing unit, and subtracting the trauma cost combined with the extracted promotion and marketing contents Settlement plan generation unit for generating a,
And a database for storing local shop information, user information, public relations affiliation information, cost deduction information, and settlement plan information.

According to claim 3, wherein the coupon management unit
Payment system using a credit coupon, characterized in that the use of the coupon, the period of use, the type and amount of goods and services, and the period of payment after use, the process from the use of the coupon to payment.

The method of claim 3, wherein
The cost processing unit by using a trauma coupon, characterized in that to reduce the trauma coupon costs by exposing to the user the promotional and marketing content provided for the trauma cost deduction from the public relations and marketing server.

The method according to claim 1 or 3,
The settlement plan provides the combined promotional and marketing contents to the user terminal through the user service unit so that the combined promotional and marketing contents are exposed to the user, thereby subtracting the credit payment fee according to the exposure frequency. Payment system.

(A) purchasing goods or services from a local store and receiving the purchased goods or services in the form of a coupon;
(B) Upload a coupon app or coupon web browser for using a credit coupon on a user terminal through the user service department, and when the user is connected online and the user's online account information is entered together with the registration application, the application for registration Registering the registered user with the coupon operator server,
(C) providing the coupon provided by the local store to the registered user terminal as a collateral with online account information such as an online account and authorization;
(D) if the use of the trauma coupon provided to the user is confirmed as trauma, providing a payment service using a settlement plan according to the settlement cost deduction of the used trauma coupon after a predetermined period for each coupon;
(E) the payment method using a trauma coupon, characterized in that it comprises the step of repeating step (D) until the payment of the cost of the trauma coupon through the payment service.

The method of claim 7, wherein
The coupon provided in the step (C) is a payment method and a payment period is determined for each coupon, the predetermined payment period is a user, a local store providing the coupon, or a contract concluded with the local store in the coupon operator server Payment method using a traumatic coupon, characterized in that changed according to the conditions.

The method of claim 7, wherein
The step (C) is provided via a mobile communication network via SMS, MMS, or payment method using a credit coupon, characterized in that provided through the Internet network.

The method of claim 7, wherein
The settlement plan provides the combined promotional and marketing contents to the user terminal through the user service unit so that the combined promotional and marketing contents are exposed to the user, thereby subtracting the credit payment fee according to the exposure frequency. Payment Method.

8. The method of claim 7, wherein step (D)
Searching for the promotion and marketing contents of the company provided by the promotion and marketing server, and classifying the promotion and marketing contents by subtraction expenses using at least one of the size, time, importance, and contract cost of the promotion and marketing contents;
Extracting at least one promotion and marketing content corresponding to the payment cost of the trauma coupon among the classified promotion and marketing contents, and generating a settlement plan for subtracting the trauma cost combined with the extracted promotion and marketing contents Wow,
Exposing the promotional and marketing contents to the user by providing the promotional and marketing contents combined with the generated settlement plan to the user terminal;
Subtracting the traumatic cost of the user according to the frequency of exposure of the promotional and marketing content;
And continuously providing the exposure of the promotional and marketing contents in a predetermined order according to the settlement plan until all the traumatic expenses of the user are subtracted.

The method of claim 11,
The amount of the deductible credit costs are subtracted by a predetermined cost according to the exposure frequency.