KR100767416B1 - Merchandise coupon circulation method - Google Patents

Abstract

A method for distributing gift certificates with commercial transaction is provided to improve usage of the gift certificates and cash flow by promoting the distribution of the gift certificates, and accomplish sale increase in diverse types through the gift certificates by promoting gift certificate consumption market. A payment of a customer performing the commercial transaction is processed in a PG(Payment Gateway) server relaying the payment between the customer and a shopping mall server(S12). The PG or shopping mall server transmits payment approval information to a gift certificate distribution server securing a lot of received gift certificates(S16). The gift certificate distribution server receiving the payment approval information provides unique information of the gift certificates corresponding to a payment amount to the PG or shopping mall server(S18). The gift certificate distribution server requests the payment corresponding to the payment approval information to the PG server(S20). The PG or shopping mall server requests repayment of the gift certificates by transmitting the unique information of the received gift certificates to a gift certificate issuer server issuing the gift certificates(S28).

Description

Merchandise coupon circulation method using commerce

1 is a configuration diagram schematically showing a payment system of a conventional electronic commerce,

Figure 2 is a block diagram showing the appearance of an electronic commerce system to which the gift certificate distribution method according to the present invention,

3 is a flowchart sequentially illustrating a gift certificate distribution process according to the present invention.

The present invention relates to a voucher distribution method using commerce that can further increase the utilization rate of the voucher by further activating the distribution of the voucher, and contribute to the improvement of the profit of the company that issued the voucher.

Gift voucher distribution is widely used as a business model to secure cash and generate guaranteed profits as it extends not only to department stores and grocery stores, but also to the publishing industry and the cultural world. However, the gift certificate can be used only at the branch of the issuer of the gift voucher, even though it is used in semi-cash, so that consumers have no choice but to restrict the use of the gift voucher. There was a limit to development.

Recently, business items aimed at making profits by discounting vouchers generated during voucher trading have been developed to help revitalize voucher distribution.However, in reality, it is relatively long time to cash out a large amount of vouchers collected by businesses that trade vouchers. Due to this problem, there was a business difficulty, and since the cashing method of the gift certificate was only repayment of the issuer of the gift certificate, the profit generation of the operator mainly dealing with the gift certificate was dependent on the issuer of the gift certificate.

On the other hand, with the rapid increase in the Internet use population, electronic commerce is being activated.

In general e-commerce, payment methods include not only credit cards but also mobile phone payments, ARS payments, and point payments.

However, regardless of payment method, the most important things in electronic commerce are first safety and trust, second user convenience, and third convenience of management.

Since online payments are conducted in a virtual space rather than directly between sellers and buyers, payments must be made more securely and reliably than offline. Don't hesitate to buy it because it doesn't provide the credibility of payment to the customer who decides to buy it.

It should also be designed to ensure the safety of transactions and to make the payment process convenient for customers to enter their credit card numbers with confidence.

Lastly, the most important aspect of online payment should not be overlooked is the convenience of management. Since the characteristics of online sales are often delivered after confirmation of payment, if the payment confirmation process is complicated, it can lead to operational difficulties and mistakes. The damage can be lost to the customer. As a result, it is necessary to provide convenience of management by using a stabilized payment system.

In order to satisfy these conditions, the conventional e-commerce system has a PG server for brokering consumers, suppliers, and shopping malls in payments, so as to satisfy the safety, trust, convenience, and convenience of the deposit of consumers.

1 is a configuration diagram schematically showing a payment system of a conventional electronic commerce, will be described with reference to this.

As described above, the payment made through the PG server may be performed in various payment methods, where payment using a credit card (a drawing), payment using a virtual account (b drawing), payment using a mobile phone (c drawing) It is shown as an example.

First, as shown in (a), the consumer orders a product from a shopping mall server and selects a credit card as a payment method. The PG server interworking with the shopping mall server receives a credit card number and expiration date and / or password inputted by the consumer and requests an inquiry from the credit card company, and when the credit card company approves the credit card, the PG server stores the shopping mall server. Sending to the server will allow the delivery of goods.

Next, looking at (b) the drawing, the consumer orders the goods to the shopping mall server and selects a virtual account deposit as a payment method. The PG server interworking with the shopping mall server issues a virtual account number and transmits it to the consumer. When the consumer completes the deposit with the virtual account number, the bank transmits the virtual account number, the depositor and the deposit information to the PG server. The PG server transmits the payment to the shopping mall server to confirm that the deposit is completed.

Finally, in the diagram (c), the consumer orders a product from a shopping mall server and selects a mobile phone payment as a payment method. The PG server interworking with the shopping mall server receives the mobile phone number and personal information from the consumer and transmits the received mobile phone number and personal information to the corresponding mobile telecommunication company for payment approval. The PG company notifies the shopping mall server of the approval result and allows the product delivery.

As described above, irrespective of the payment method of the e-commerce, the PG server mediates the payment process between the consumer and the shopping mall, and satisfies the safety and trust required for the e-commerce payment, the user convenience, and the convenience of management. Done.

As such, the cash flow under a stable system is smooth and the amount is very large. At present, the market is attracting attention as a new cash distribution area by expanding the e-commerce market using the Internet.

Accordingly, the present invention has been made to solve the above problems, by activating the distribution of gift certificates to improve the use rate and cash turnover rate of gift certificates, ultimately to activate the gift certificate consumption market to increase sales in various ways through gift certificates. The technical problem is to provide a distribution method of gift certificates using commerce to achieve this.

The present invention to achieve the above technical problem,

A consumer payment for a purchase cost incurred in an e-commerce transaction is performed in a PG server which mediates a cost settlement between the consumer and a shopping mall server;

Transmitting, by the PG server or the shopping mall server, payment approval information to a gift certificate distribution server having a plurality of gift certificates; And

The gift certificate distribution server receiving the payment approval information, providing unique information of gift certificates corresponding to the payment amount to a PG server or a shopping mall server;

Including a, it is a gift certificate distribution method using an electronic commerce to distribute the unique information of the gift certificate between the PG server and the shopping mall server in the electronic commerce between the consumer and the shopping mall server.

In order to achieve the above technical problem, the present invention, in the gift certificate distribution method,

The gift certificate distribution server further comprises the step of transmitting a payment request according to the payment approval information to the PG server.

In order to achieve the above technical problem, the present invention, in the gift certificate distribution method,

And transmitting the unique information of the gift certificate obtained by the PG server or the shopping mall server and the request for repayment of the gift certificate to the gift certificate issuer server that issued the gift certificate.

In order to achieve the above technical problem, the present invention, in the gift certificate distribution method,

If the consumer's payment is a credit card, the payment authorization information is the amount of money the consumer has paid and the credit card company's card approval.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Figure 2 is a block diagram showing the appearance of the electronic commerce system to which the gift certificate distribution method according to the present invention, will be described with reference to this.

The gift voucher distribution method according to the present invention uses the gift voucher as a means of payment for electronic commerce in order to enable a voucher distributor to commercially trade the voucher itself to increase the cash value of the collected voucher and increase the utility of the voucher. It is technical idea.

As shown in FIG. 2, the electronic commerce system to which the gift certificate distribution method according to the present invention is applied includes a consumer terminal 10, a shopping mall server 100, and a payment gateway server (PG) configured in a conventional electronic commerce system. The voucher distribution server 300 and the voucher issuing server 400 are further included in the provider terminal 20 communicating with the shopping mall server 100.

Here, the consumer terminal 10 is a means for the consumer to access the Internet for the purchase of goods through electronic commerce, the supplier terminal 20 is a supplier that produces and / or sells the goods to be purchased by the consumer is connected to the Internet Means.

The shopping mall server 100 is a means for intermediary function to connect a plurality of suppliers and consumers through the Internet.

The PG server 200 receives a prepaid item cost purchased from a consumer and notifies the shopping mall server 100 of approval of the goods delivery, and pays the shopping mall server 100 to the shopping mall server 100 when the goods are delivered to the consumer. It is a means for mediating between the consumer and the shopping mall server 100 with respect to payment.

The consumer terminal 10 and the supplier terminal 20, the shopping mall server 100, and the PG server 200 described above are essential components of the current electronic commerce, and the distribution of gift certificates using the electronic commerce according to the present invention. The electronic commerce system, which is the basis of the method, only needs to further link the gift certificate distribution server 300 and the gift certificate issuer server 400 while maintaining the conventional electronic commerce system. Therefore, the technical problem to be achieved by the present invention can be effectively performed while minimizing the initial cost input to the conventional electronic commerce system for the implementation of the present invention.

The detailed description of the gift certificate distribution server 300 and the gift certificate issuing server 400 will be accompanied by a description of the gift certificate distribution method.

3 is a flowchart sequentially illustrating a gift certificate distribution process according to the present invention, which will be described with reference to this.

S10; Purchase Confirmation and Purchase Step

As shown in FIG. 2, the consumer accesses the shopping mall server 100 using the consumer terminal 10 to check the goods to purchase, and when the purchased items are determined, proceeds with the procedure necessary for purchase.

The purchase article confirmation and purchase process is carried out according to a well-known commercial process, the conventional process can be applied as it is in the present invention.

On the other hand, since the shopping mall server 100 performs an intermediary function that connects the supplier and the consumer of the goods, the shopping mall server 100 links the goods of the supplier to the shopping mall server 100 through a contract with the goods supplier. The consumer may obtain information about the article through the consumer terminal 10.

S12; Purchase fee payment stage

When the consumer determines the item to be purchased in the purchase item confirmation and purchase step (S10), the purchase price is paid to the PG server 200 for the purchase of the item. Is used. On the other hand, in addition to the credit card credit card payment (virtual account) and mobile phone charges may be added to the billing method, etc. The gift voucher distribution method according to the present invention is not a direct payment method such as banknote payment, PG server (200) Since it is applied to the indirect payment method using, etc., it may be applied to the addition charge method to the mobile phone bill through the application.

S14; Purchase Payment Confirmation Step

When the payment is completed by the consumer to purchase the goods, the PG server 200 voluntarily responds to the payment confirmation request (C) of the shopping mall server 100 or completes the payment at the same time voluntarily to the shopping mall server 100. Notify the completion of the payment for the goods and approve delivery of the goods (d)

In this case, when the payment means is a credit card, the use approval for the credit card is transmitted from the credit card company as a notification of completion of payment, and when the mobile phone fee is used, the payment approval is transmitted from the mobile communication company. In this case, the use approval or payment approval is completed by securing an approval number for each approval, and the approval number will be used as a means of confirming a bond to a credit card company or a mobile communication company.

S16; Approval Notification Step

On the other hand, when the payment of the consumer is completed, the PG server 200 may notify the shopping mall server 100 as well as the gift voucher distribution server 300 may inform that the payment of the consumer has been completed. The information to be distributed to the distribution server 300 will be a card approval item including the payment amount of the consumer and the authorization number of the credit card company if the payment method of the consumer is a credit card.

However, in the gift voucher distribution method according to the present invention, the notification on whether the consumer payment is completed to the PG server 200 is not limited to the progress of the voucher distribution server 300 from the PG server 200. That is, step S16 is only an embodiment according to the present invention, and may be modified in various forms as follows.

The gift voucher distribution server 300 may be provided directly from the shopping mall server 100 for information on the payment of the consumer. In more detail, in the gift certificate distribution method according to the present invention, the shopping mall server 100 provides the PG server 200 with the brokerage fee incurred in this online transaction and the price to be paid to the supplier as a cost for the trade product. Since it can be directly billed to the operating PG company, it will be charged for the brokerage fee and the charges that occur at the same time to send the information about the authorized goods delivery from the PG server 200 to the gift certificate distribution server 300 .

Of course, since the shopping mall server 100 guides the goods delivery guided to the gift voucher distribution server 300 and charges for the brokerage fee and the price can be made without distinction before and after the delivery of the goods, the gift voucher distribution server ( The communication process between the 300 and the shopping mall server 100 will proceed regardless of whether the goods are delivered.

S18; Gift voucher payment stage

When the payment is completed by the consumer for the purchase of goods, and whether the payment is completed is notified to both the shopping mall server 100, the PG server 200, and the gift certificate distribution server 300, the shopping mall server 100 is a PG server 200. Request a payment to the gift certificate distribution server 300. (f) At this time, the payment request of the shopping mall server 100 requests a gift certificate, not cash, in the present invention, the gift certificate distribution server 300. (G) Here, the gift voucher payment of the voucher distribution server 300 is to provide the approval number of the PG server 200 as collateral, the PG server When the confirmation number transmission for the use of the credit card is confirmed from the 200, a gift certificate corresponding to the payment amount of the authorization number is paid to the shopping mall server 100.

In this case, the voucher and the authorization number may be exchanged for each payment of the credit card between the voucher distribution server 300 and the shopping mall server 100, but the transaction costs may be collectively exchanged by time or daily unit.

For example, after storing the transaction amount generated in the shopping mall server 100 by a predetermined unit of time, and after a predetermined time, the accumulated transaction amount is added to the gift certificate distribution server 300 with the relevant approval number, and the gift certificate distribution The server 300 provides the shopping mall server 100 with a gift certificate corresponding to the corresponding cost.

The gift voucher distribution server 300 is managed by a gift voucher, the voucher is purchased by the gift voucher through an individual or other method. At this time, the gift voucher may purchase a gift voucher with a predetermined fee limited to the face value of the gift voucher.

On the other hand, the PG company transfers the balance to the shopping mall server 100 or the gift voucher distribution server 300 after limiting a certain ratio among the money received from the consumer.

That is, when a consumer pays 100.000 won through a credit card while purchasing a 100.000 won item registered in the shopping mall server 100, the PG company transfers a balance to the shopping mall server 100 by removing a predetermined fee. Since 3.3% is currently a fee of PG, the amount of money remitted to the shopping mall server 100 is 96.700 won.

After all, conventionally, even if the sales of 100.000 won, if the payment by credit card is only 96.700 won profits. However, when applying the gift voucher distribution method according to the present invention, the amount of money that the PG company transfers 96.700 won has a gift voucher distributor, the shopping mall server 100 to receive a gift card with a face value of 100.000 won from the voucher distribution server 300 do. That is, the shopping mall server 100 obtains a profit of 100.000 won, which is the original sales, not 3.300 won.

On the other hand, the gift voucher secured 96.700 won in cash from the PG company and provided a voucher with a face value of 100.000 won, while a voucher with a face value of 100.000 won was secured at a value of 96.700 won or less. Done.

Therefore, when applying the gift certificate distribution method according to the present invention, the gift certificate distributor as well as the shopping mall will generate revenue.

In addition, the distribution of gift certificates according to the above-described process, the gift voucher can contribute to the expansion of the distribution of gift certificates, positively affects the recognition of the gift certificates and the rapid securement of liquid funds (cash).

On the other hand, as described in addition to the approval history notification step (S16), the merchandise voucher distribution server 300 is sold at the shopping mall server 100, and whether or not the payment information of the consumer due to the transaction by the PG server 200 or The brokerage fee for the shopping mall server 100, the price to be paid to the supplier and the gift voucher distribution server 300, regardless of which one is obtained through the shopping mall server 100, regardless of which one is obtained. The gift card of a predetermined face value may be paid to the shopping mall server 100 in accordance with a contract for revenue, etc., allocated to).

However, this may also be modified as follows as an embodiment of the gift certificate distribution method according to the present invention.

Gift voucher distribution method according to the present invention, as shown in the above embodiment, the gift voucher is not limited to paying the voucher payment to the shopping mall server 100.

In another embodiment, the payment of the gift certificate through the gift certificate distribution server 300 may be directly sent to the PG server 100. This is because, as described below, the gift certificate distribution server 300 charges the PG server 200 for the gift certificate. That is, the PG server 200 pays the cost for the gift certificate from the amount received from the consumer to the gift certificate distributor, and the received gift certificate is reimbursed by directly transmitting the unique number of the gift certificate to the following issuer server 400, The cost incurred through the sale and the payment may be paid to the shopping mall server 100 in place of cash.

However, the embodiment according to the gift voucher distribution method according to the present invention described below is to provide a gift voucher directly to the shopping mall server 100, the voucher distribution server 300, according to the present invention can be modified The various aspects of technical ideas will then be additionally explained.

S20; Step for requesting payment according to gift voucher payment

The gift certificate distribution server 300 transmits a gift certificate to the shopping mall server 100 and then requests the PG server 200 to pay for the gift certificate.

The PG server 200 removes a predetermined fee from the cost paid by the consumer, and deposits the cost corresponding to the gift certificate provided by the gift certificate distribution server 300 to the shopping mall server 100 to the gift certificate distributor.

Through this, the PG company operating the PG server 200 can try to expand the business area into a gift certificate transaction, and can expect to increase sales through this.

S22; Request for Transaction Price Payment

The supplier requests the shopping mall server 100 for the cost of goods through the provider terminal 20. (i)

The supplier utilizes the shopping mall server 100 as an intermediary means for connecting with the consumer, and the shopping mall server 100 also mediates the cost processing for the trading goods received from the consumer. Therefore, the supplier may request a payment from the shopping mall server 100 before and after the delivery of the goods. Of course, in reality, the actual costs will be deposited after the complete delivery of the supplier to secure the consumer's secure goods, this is only a contractual problem between the shopping mall and the supplier, in the gift certificate distribution method according to the present invention The order of the request for payment and the delivery of goods are not important.

S24; Gift voucher payment stage

The shopping mall server 100 provides the provider terminal 20 with a unique number of the gift certificate transmitted from the gift certificate distribution server 300 to complete a deposit for the article.

On the other hand, in the voucher payment path of the voucher distribution server 300 which is another embodiment described in the gift voucher payment step (S18), the voucher distribution server 300 pays the voucher to the PG company through the PG server 200, the PG If the company directly proceeds with the process of repaying the gift certificate from the gift voucher issuing server 400 to secure cash, the shopping mall server 100 receives cash from the PG company, and the supplier from the shopping mall server 100 You will be paid for the goods.

S26; Shipping Step

The supplier delivers the goods to the consumer before and after the voucher is issued. (K)

In the embodiment according to the present invention, but the delivery of goods as a supplier, but is not limited to this, in fact, the shopping mall itself may be provided with the goods from the supplier and shipped.

S28; Redemption of Gift Certificates by Payment Request

The supplier transmits the gift certificate (unique number) provided from the shopping mall server 100 to the gift certificate issuing server 400 that issued the gift certificate and receives the redemption (l, m).

The gift voucher issuer issues a voucher to a consumer so that the voucher can be used as a means of trading for electronic commerce through the circulation by the above-described process.

On the other hand, as in the other embodiments described above, the subject of the repayment of the gift certificate by the payment request may be a PG company or a shopping mall, not the supplier.

The gift voucher distribution method according to the present invention is intended to solve the problems caused by the relatively long time to quickly cash the gift voucher collected by the gift voucher to collect the vouchers, the PG in the electronic commerce where a large amount of transactions are made per day The voucher is a transaction means made between the company, the shopping mall, and the supplier, and the voucher is provided at a cost corresponding to the face value of the voucher, so that the voucher can obtain cash faster. In this case, the cash paid to the gift voucher will be made from a PG company that receives the cost of the goods for sale from the consumer, and as described above, the gift voucher that issued the voucher for the voucher secured by the PG company, the shopping mall or the supplier. By requesting repayment to the server 400, the PG company, the shopping mall and the supplier can secure cash.

As the use of gift certificates is expanded through the above efforts, it is possible to expect to increase the profits of the gift vouchers in the long run, and according to the contract, the PG company, the shopping mall and the supplier may add additional fees for the processing of the gift certificates. In addition to the rapid cashing of vouchers, the discount rate can be adjusted to increase profits.

Meanwhile, the following gift certificates may be applied to the gift certificate distribution method according to the present invention so as to quickly determine whether the gift certificates are true or not.

First, as described above, the payment of the gift certificate consists of the movement of the unique number of the gift certificate, not the movement of the gift certificate. At this time, the unique number is composed of a first unique number that appears on the page of the gift certificate in appearance, and a second unique number that does not appear in appearance by applying a scratch method. That is, the issuer of the gift certificate requests the first unique number and the second unique number for redemption of the gift certificate, and checks whether the first unique number and the second unique number are a promised pair and whether it has been redeemed before. After confirming, the redemption of the gift certificate is decided.

On the other hand, the reason that the scratch is applied to the second unique number so that it can not be seen from the outside in order to be able to check the validity of the gift certificate at a glance when using the gift certificate directly in the store, not the Internet. That is, the second unique number can be confirmed only after scraping off the film covering the part of the gift certificate on which the second unique number is written with a hard tool such as a coin. This process must be performed directly at the store. This is because, if both the first unique number and the second unique number are revealed, it can be assumed that the voucher has already been redeemed. Therefore, in the case of using a gift certificate in which both the first unique number and the second unique number are revealed in the actual store, the use of the gift certificate may be rejected by the store side. As a result, a gift certificate in which the second unique number is intentionally or unintentionally revealed may be used only in an electronic commerce through the Internet, and in the gift certificate distribution method according to the present invention, the gift certificate distribution server 300 and the PG server 200 and In the transmission of the gift certificate information between the shopping mall server 100 and the supplier terminal 20, when the distribution of gift certificates having two kinds of unique numbers as described above, the first unique number and the second unique number are simultaneously transmitted. Will come true.

The gift voucher distribution method according to the present invention described above is an example, but is not limited thereto.

That is, when a consumer directly pays with a credit card in an off-line item transaction, the credit card is processed in a VAN server (not shown) instead of the PG server 200. That is, the credit card information is transmitted to the VAN server online through the credit card terminal, and the VAN server checks the credit card information and transmits the authorization number for the payment.

Of course, the goods transaction is made offline, but the payment processing through the credit card is made online, and the same as the payment processing process by the above-described PG server 200, this will also be an embodiment according to the present invention. That is, the PG server 200 may be a concept including a VAN server. In addition, a mobile communication company that mediates payment in mobile phone payment may also be a concept included in the PG server 200.

According to the present invention as described above, by using the gift certificate as a payment means of commerce, it is possible to improve the recognition and utilization of the gift certificate and shorten the cash acquisition of the gift certificate distributor, while reducing the cost incurred during e-commerce And / or have the effect of expecting additional profits.

Claims (4)

Consumer payment of the purchase cost incurred in the commerce is made in the PG server to mediate the payment between the consumer and the shopping mall server; Transmitting, by the PG server or the shopping mall server, payment approval information to a gift certificate distribution server having a plurality of gift certificates; And The gift voucher distribution server receiving the payment approval information provides the PG server or the shopping mall server with unique information of the gift vouchers corresponding to the payment amount; Including, the product certificate distribution method using the commerce, characterized in that the unique information of the gift certificate is distributed between the PG server and the shopping mall server in the electronic commerce between the consumer and the shopping mall server. The method of claim 1, The gift certificate distribution server further comprises the step of making a payment request according to the payment approval information to the PG server. The method according to claim 1 or 2, And transmitting the unique information of the gift certificate obtained by the PG server or the shopping mall server to the gift certificate issuing server that issued the gift certificate, and requesting repayment of the gift certificate. The method of claim 1, When the payment of the consumer is a credit card, the payment approval information is the amount of money paid by the consumer and the credit card company's card approval matters, characterized in that the commerce.

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