KR101372716B1 - Payment system and method of providing secret payment service - Google Patents

Abstract

The present invention relates to a credit card company system and method for providing a secret payment service, a storage unit for collecting and storing coupon purchase information of a customer from a social commerce system, and collecting credit card usage information of the customer from a merchant terminal, It may include a credit card payment information generation unit for generating the credit card payment information of the customer based on the collected credit card usage information and the stored coupon purchase information.

Description

Credit card company system and method for providing secret payment service {PAYMENT SYSTEM AND METHOD OF PROVIDING SECRET PAYMENT SERVICE}

The present invention improves the rejection of the coupon presentation method of the customer using the social commerce, and in order to prevent discrimination treatment of merchants due to the use of the coupon, if you pay for the card to provide a secret payment service that charges only the amount excluded by the coupon amount A credit card company system and method.

Social commerce is a type of electronic commerce that uses social network services (SNS) such as Facebook and Twitter, and is a sales method that provides products at a bargain discount rate when a certain number of buyers are gathered. .

In addition, social network services are also referred to as social shopping because people who want to purchase a product mainly use social network services in the process of gathering co-buyers to make a discount.

Recently, as the use of smartphones and the use of social network services are popularized, such social commerce is attracting attention as a new consumption market.

A high discount rate is usually applied on the condition that a product registered by a social commerce company requires a certain number of purchases. In addition, social commerce deals mainly with performances, restaurants, cafes, beauty, leisure, fashion, home appliances, food, etc., but also deals with discount coupons.

Customers can receive discounts by printing discount coupons or storing them on a mobile terminal in the form of a text message and presenting them to a merchant.

Credit card company system according to an embodiment of the present invention collects the credit card usage information of the customer from the storage unit and the merchant terminal to collect and store the coupon purchase information of the customer from the social commerce system, the collected credit card usage information And a credit card payment information generation unit configured to generate credit card payment information of the customer based on the stored coupon purchase information.

The social commerce system according to an embodiment of the present invention, if a coupon purchase request is collected from a terminal of a customer, the coupon is sold to the customer, and the coupon transaction processing unit stores the customer information and the coupon purchase information in association with the customer. Information and the coupon purchase information is sent to a credit card company server, the registration processing unit for registering a discount, and the credit card company server, when requested to pay for the coupon purchase amount associated with the coupon purchase information, the merchant purchases the coupon purchase amount It may include a settlement processing unit for calculating the settlement.

A method of operating a credit card company system according to an embodiment of the present invention includes collecting and storing coupon purchase information of a customer from a social commerce system, collecting credit card usage information of the customer from a merchant terminal, and the collected information. Generating credit card payment information of the customer based on credit card usage information and the stored coupon purchase information, and generating the credit card payment information of the customer comprises: crediting from the collected credit card usage information. Confirm the card use amount, check the coupon purchase amount from the stored coupon purchase information, calculate the credit card payment amount for the customer by subtracting the coupon purchase amount from the credit card use amount, and based on the calculated credit card payment amount Generating credit card payment information.

In the method of operating a social commerce system according to an embodiment of the present invention, when a coupon purchase request is collected from a terminal of a customer, the coupon is sold to the customer, and the customer information and the coupon purchase information are stored in association with the customer. Transmitting the customer information and the coupon purchase information to a credit card company server to register a discount, and when the credit card company server is asked to settle the coupon purchase amount associated with the coupon purchase information, the merchant purchases the coupon amount. It may include the step of processing the settlement.

According to the present invention, it is possible to improve the rejection of the coupon presentation method of the customer using the social commerce.

According to the present invention, it is possible to prevent discrimination of merchants due to the use of coupons.

According to the present invention, it is possible to promote the use of social commerce to use goods or services at a discounted amount.

1 is a diagram illustrating an entire system for providing an incognito payment service according to an embodiment of the present invention.
2 is a diagram illustrating information exchange between components of the entire system 200 required for the operation of the secret payment service according to an embodiment of the present invention.
3 is a block diagram illustrating a credit card company system according to an embodiment of the present invention.
4 is a block diagram illustrating a social commerce system according to an embodiment of the present invention.
5 is a flowchart illustrating a method of operating a credit card company system and a social commerce system for providing an incognito payment service according to an embodiment of the present invention.

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

In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terminologies used herein are terms used to properly represent preferred embodiments of the present invention, which may vary depending on the user, the intent of the operator, or the practice of the field to which the present invention belongs. Therefore, the definitions of the terms should be made based on the contents throughout the specification. Like reference symbols in the drawings denote like elements.

As used herein, the credit card may be interpreted as a payment means including both a check card or a prepaid card.

1 is a diagram illustrating an entire system 100 for providing a secret payment service according to an embodiment of the present invention.

The entire system 100 for providing a secret payment service according to an embodiment of the present invention may include a credit card company system 110, a social commerce system 120, a customer terminal 130, and an affiliated store terminal 140. Can be.

The customer may access the social commerce system 120 through the customer terminal 130 to purchase the coupon. In this case, the social commerce system 120 may induce a customer to select an authentication method of the coupon.

The authentication method may include any one of printed matter authentication, text message authentication, and secret payment.

For example, the customer may print out a web page associated with the purchased coupon and present it to the affiliated store to authenticate the discounted print.

In addition, the customer may keep a text message issued when the coupon is purchased, and may receive a discount by presenting the text message to the affiliated store.

In addition, the customer can select the secret payment when purchasing the coupon, it is possible to use the secret payment service according to the present invention.

The secret payment service is a service in which a customer automatically deducts the amount of money associated with the coupon from a later billed amount after a credit card payment at a normal price, and may be interpreted as an authentication method of blindly processing coupon purchase information to the affiliated store.

To this end, the social commerce system 120 selected for the secret payment transmits the information related to the coupon to the credit card company system 110. In this case, the social commerce system 120 also transmits the information of the customer in association with the coupon.

Accordingly, the credit card company system 110 may register the discount by collecting the customer information and the coupon purchase information stored in a database.

The coupon purchase information according to an embodiment of the present invention may include a coupon purchase amount, usable merchant information, and the like, and the customer information may use any information that can uniquely identify the customer.

When the credit card company system 110 completes storing the customer information and the coupon purchase information in the database, the credit card company system 110 may notify the social commerce system 120 or the customer terminal 130 that a discount is available.

If the customer uses a credit card at a merchant, the customer may use the credit card as usual.

Thus, the merchant terminal 140 charges the normal amount of money before the discount is applied to the credit card company system 110 as a credit card use amount as usual.

When the credit card usage amount is charged, the credit card company system 110 may check whether the user of the credit card usage amount is stored in the database.

If the information is stored, the coupon purchase information stored in association with the customer information and the customer information may be read.

Accordingly, the credit card company system 110 may generate substantial credit card payment information to be charged to the customer in consideration of the read coupon purchase information and the credit card payment amount.

For example, the credit card company system 110 checks the credit card usage amount from the collected credit card usage information, checks the coupon purchase amount from the stored coupon purchase information, and subtracts the coupon purchase amount from the credit card usage amount. The credit card payment amount for the customer may be calculated, and the credit card payment information may be generated based on the calculated credit card payment amount.

In addition, the credit card company system 110 may notify the social commerce system 120 of the credit card payment of the customer, it may be controlled to settle the purchase price for the coupon to the merchant.

As another example, the credit card company system 110 may directly receive the coupon purchase amount from the social commerce system 120 and add the credit card payment amount of the customer to the affiliate store.

As a result, according to the present invention, when the coupon is used, the customer does not need to present the coupon in any form, thereby improving the rejection of the coupon presentation method of the customer using the social commerce.

Therefore, according to the present invention, it is possible to prevent discrimination of affiliated stores due to the use of coupons, and to promote the use of social commerce to use goods or services at a discounted amount.

2 is a diagram illustrating information exchange between components of the entire system 200 required for the operation of the secret payment service according to an embodiment of the present invention.

Three parties required to operate the secret payment service according to an embodiment of the present invention may include a social commerce system 220, a cyber electronic payment system 230, and a credit card company system 240.

A customer may purchase a coupon by accessing the social commerce system 220 using a customer terminal 210 such as his computer or a smart phone, and may select 'secret payment' as an authentication method.

Accordingly, the social commerce system 220 may request a payment from the cyber electronic payment system 230. In addition, the cyber electronic payment system 230 receives the payment request, requests an approval from the credit card company server 240, receives the approval result from the credit card company server 240, and based on the approval result, the social commerce system ( You can inform 220 of the approval.

In addition, the cyber electronic payment system 230 may not only perform the payment request of the card user, that is, the customer, but also transfer the customer number, the merchant number, the coupon purchase information, and the like to the credit card company system 240.

The credit card company system 240 may store secret payment information in a database by dividing it into a secret payment member based on the information received from the cyber electronic payment system 230. After that, when the customer confirms that the customer has paid by credit card from the merchant terminal 250, the 'secret payment service' according to the present invention may be provided using the information stored in the database.

According to an embodiment of the present invention, a text message may be sent to a customer as soon as a sale occurs in a member store. To this end, a payment gateway (PG) company may deliver the coupon purchase information to the credit card company when the authorization request.

The payment gateway (PG) may be used as a dedicated line for communication between the social commerce system 220 according to an embodiment of the present invention and the credit card company system 240 according to an embodiment of the present invention.

For example, the social commerce system 220 and the credit card company system 240 may communicate the customer number, the merchant number, information related to the approval / cancellation of merchant sales through the PG.

3 is a block diagram illustrating a credit card company system 300 according to an embodiment of the present invention.

Credit card company system 300 according to an embodiment of the present invention may include a storage unit 310 and credit card payment information generation unit 320.

First, the storage unit 310 according to an embodiment of the present invention may collect and store coupon purchase information of a customer from a social commerce system.

Next, the credit card payment information generation unit 320 according to an embodiment of the present invention collects the credit card usage information of the customer from the merchant terminal, based on the collected credit card usage information and the stored coupon purchase information Thus, the credit card payment information of the customer can be generated.

For example, the credit card payment information generation unit 320 according to an embodiment of the present invention checks the credit card usage amount from the collected credit card usage information, and confirms the coupon purchase amount from the stored coupon purchase information, The credit card payment amount may be calculated by subtracting the coupon purchase amount from the credit card use amount, and the credit card payment information may be generated based on the calculated credit card payment amount.

Specifically, when a customer purchases a coupon of 20,000 won, and a consumer price is 30,000 won, a credit card payment amount is 10,000 won, which is a purchase price of 30,000 won minus 20,000 coupons.

In addition, the credit card company system 300 according to an embodiment of the present invention may further include a payment settlement processing request unit 330 for controlling the payment for the coupon purchase amount to the social commerce system.

In the above embodiment, the price settlement processing request unit 330 may request the settlement of the coupon purchase amount 20,000.

In addition, the credit card company system 300 according to an embodiment of the present invention may further include a message processing unit 340.

For example, the message processor 340 may generate a payment history message including at least one of the confirmed credit card use amount, the confirmed coupon purchase amount, and the calculated credit card payment amount and transmit the generated payment history message to the mobile terminal of the customer. .

Credit card payment information generation unit 320 according to an embodiment of the present invention may further include a service subscription determination unit for determining whether the customer, a service subscription customer.

If the service is not subscribed, the service subscription determination unit may be encouraged to subscribe to the 'secret payment service'.

For example, the service subscription determination unit according to an embodiment of the present invention provides personal information used when issuing the credit card to a non-subscribed customer, to subscribe to the secret payment service provided by the social commerce system. can do.

4 is a block diagram illustrating a social commerce system 400 according to an embodiment of the present invention.

The social commerce system 400 according to an embodiment of the present invention may include a coupon transaction processing unit 410, a registration processing unit 420, a settlement processing unit 430, and an authentication method determination unit 440.

When the coupon transaction processing unit 410 according to an embodiment of the present invention collects a coupon purchase request from the terminal of the customer, the coupon may be sold to the customer, and the customer information and the coupon purchase information of the customer may be associated and stored.

For example, the coupon transaction processing unit 410 according to an embodiment of the present invention may perform payment processing necessary for selling coupons to the customer in conjunction with a cyber electronic payment system.

If the customer cancels the coupon purchase, the coupon transaction processing unit 410 according to an embodiment of the present invention informs the credit card company of the customer number, the merchant code, and the coupon number through the cyber electronic payment system. Can be delivered and processed.

The registration processing unit 420 according to an embodiment of the present invention may transmit the customer information and the coupon purchase information to a credit card company server to register a discount for a claim.

At least one of the customer information and the coupon purchase information delivered to the credit card company server by the registration processor 420 may include a customer number, a merchant code, a coupon number, and coupon information.

The customer number may be interpreted as a social security number or may be another number that can uniquely identify the customer by replacing the social security number for the protection of personal information.

Next, the affiliated store code may be interpreted as a code of an affiliated store stored in a credit card company database, and the coupon number may be interpreted as an order number for tracking the source of a sold coupon. In addition, the coupon information may be interpreted as a coupon expiration date (start date, end date), payment amount basis, discount amount.

When the settlement processing unit 430 according to an embodiment of the present invention receives a request from the credit card company server to pay for the coupon purchase amount associated with the coupon purchase information, the merchant may settle the coupon purchase amount.

As another example, the settlement processing unit 430 according to an embodiment of the present invention may settle the coupon purchase amount to a credit card company.

For example, when a customer makes a payment using a credit card at a merchant, the credit card company may inform the settlement processor 430 of the customer number, the merchant code (number), the coupon number (order number), and the payment time.

The payment time may be included to inform payment related information in the form of a text message.

The authentication method determination unit 440 according to an embodiment of the present invention receives the authentication method of the coupon sold to the customer from the terminal of the customer, and controls to register a discount for fraud based on the input authentication method. Can be.

The social commerce system 400 according to an embodiment of the present invention requests and collects personal information required for service subscription from a credit card company server, and uses the collected personal information to further perform a service subscription processing unit. It may include.

5 is a flowchart illustrating a method of operating a credit card company system and a social commerce system for providing an incognito payment service according to an embodiment of the present invention.

An operation method for providing a secret payment service according to an embodiment of the present invention may first collect a coupon purchase request of a customer through a social commerce system, sell a coupon, and store related information about the sold coupon. (Step 501).

Next, the social commerce system according to an embodiment of the present invention may transmit the customer information and the coupon purchase information to a credit card company server and request to register a charge discount (step 502).

At this time, the social commerce system according to an embodiment of the present invention may transmit the customer number, merchant code, coupon number, and coupon information to the credit card company server.

In the credit card company system according to an embodiment of the present invention, the coupon purchase information of the customer may be collected and stored from the social commerce system (step 503).

That is, the credit card company system according to an embodiment of the present invention may store the customer number, merchant code, coupon number, coupon information, and the like, collected in accordance with the registration request of the discount, in a database in association with the customer.

If the credit card company system according to an embodiment of the present invention collects the credit card usage information of the customer from the merchant terminal (step 504), based on the collected credit card usage information and the stored coupon purchase information, Credit card payment information may be generated (step 505).

For example, the credit card company system according to an embodiment of the present invention, in order to generate the credit card payment information of the customer, checks the credit card usage amount from the collected credit card usage information, the coupon from the stored coupon purchase information The purchase amount may be checked, the credit card payment amount may be calculated by subtracting the coupon purchase amount from the credit card use amount, and the credit card payment information may be generated based on the calculated credit card payment amount.

Thereafter, the credit card company system according to an embodiment of the present invention may charge a credit card payment amount to a customer based on the credit card payment information, and may charge the coupon purchase amount to the social commerce system (step 506).

The social commerce system according to an embodiment of the present invention may settle the coupon purchase amount to the affiliated store when a request for payment of the coupon purchase amount associated with the coupon purchase information is requested from the credit card company (step 507).

As another example, the social commerce system according to an embodiment of the present invention may transfer the coupon purchase amount to the credit card company when a request for payment of the coupon purchase amount is requested.

After all, according to the present invention can improve the rejection of the coupon presentation method of the customer using the social commerce, it is possible to prevent the discrimination treatment of merchants due to the use of the coupon.

In addition, customers can use social commerce to discount goods or services.

At least one of a method of operating a credit card company system and a method of operating a social commerce system according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. have. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

300: credit card company system 310: storage unit
320: credit card payment information generation unit 330: payment settlement processing request unit
340: message processing unit

Claims (15)

A storage unit for collecting and storing coupon purchase information of a customer from a social commerce system;
Collect the credit card usage information of the customer from the merchant terminal, check the credit card usage amount from the collected credit card usage information, check the coupon purchase amount from the stored coupon purchase information, and the coupon purchase amount from the credit card usage amount A credit card payment information generation unit configured to calculate a credit card payment amount for the customer by subtracting the credit card, and generate credit card payment information based on the calculated credit card payment amount; And
A message processing unit for generating a payment history message including the confirmed credit card usage amount, the confirmed coupon purchase amount, and the calculated credit card payment amount to send to the mobile terminal of the customer
Lt; / RTI >
The credit card company system for blind processing the confirmed coupon purchase amount and the calculated credit card payment amount to the merchant terminal. delete The method of claim 1,
Price settlement processing request unit for controlling the payment for the coupon purchase amount by the social commerce system
Credit card company system further comprising. delete The method of claim 1,
The credit card payment information generation unit,
A service subscription determination unit determining whether the customer is a service subscription customer for the customer
Credit card company system comprising a. 6. The method of claim 5,
The service subscription determination unit,
Credit card company system that controls the subscription to the service by providing the personal information collected when applying for a credit card, if you are not a customer. A coupon transaction processing unit that sells the coupon to the customer when collecting the coupon purchase request from the terminal of the customer, and stores the customer information and the coupon purchase information in association with the customer;
A registration processing unit for transmitting the customer information and the coupon purchase information to a credit card company server and registering a charge discount; And
When the credit card company server is requested to settle the payment for the coupon purchase amount associated with the coupon purchase information, the settlement processing unit for processing the coupon purchase amount to the merchant
Lt; / RTI >
Social commerce system blind processing the coupon purchase amount and credit card payment amount to the merchant before receiving a request from the credit card company server to pay for the coupon purchase amount associated with the coupon purchase information. 8. The method of claim 7,
An authentication method determination unit which receives an authentication method of a coupon sold to the customer from the terminal of the customer, and controls to register the claim discount based on the input authentication method.
Social commerce system further comprising. 9. The method of claim 8,
The authentication method of the coupon is a social commerce system including an authentication method for blind processing the coupon purchase information to the merchant. 8. The method of claim 7,
The social commerce system further comprises a service subscription processing unit for requesting and collecting personal information required for the service subscription from the credit card company server, and proceeds to the service subscription using the collected personal information. Collecting and storing coupon purchase information of the customer from the social commerce system;
Collecting credit card usage information of the customer from a merchant terminal; And
Confirming a credit card use amount from the collected credit card use information, confirming a coupon purchase amount from the stored coupon purchase information, subtracting the coupon purchase amount from the credit card use amount, and calculating a credit card payment amount for the customer; Generating the credit card payment information based on the calculated credit card payment amount; And
Generating a payment history message including the confirmed credit card use amount, the confirmed coupon purchase amount, and the calculated credit card payment amount and transmitting the generated payment history message to the mobile terminal of the customer;
Lt; / RTI >
Method of operating a credit card company system for blind processing the confirmed coupon purchase amount and the calculated credit card payment amount to the merchant terminal. 12. The method of claim 11,
Generating credit card payment information of the customer and controlling the social commerce system to settle the purchase price for the coupon;
Operation method of a credit card company system further comprising. Selling a coupon to the customer when collecting a coupon purchase request from a terminal of the customer, and storing the customer information and the coupon purchase information in association with the customer;
Transmitting the customer information and the coupon purchase information to a credit card company server to register a charge discount; And
When the credit card company server receives a request to settle the payment for the coupon purchase amount associated with the coupon purchase information, processing the coupon purchase amount to the merchant
Lt; / RTI >
The method of operating the social commerce system blind processing the coupon purchase amount and credit card payment amount to the merchant before receiving a request from the credit card company server to pay for the coupon purchase amount associated with the coupon purchase information. 14. The method of claim 13,
Receiving an authentication method of a coupon for sale to the customer from the terminal of the customer; And
Controlling to register the claim discount based on the input authentication method;
Method of operation of the social commerce system further comprising. A computer-readable recording medium having recorded thereon a program for performing the method of claim 11.

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