KR102402217B1 - Method and device of operation of the point payment platform - Google Patents

Abstract

A method of operating a point payment platform is disclosed. The method of operating a point payment platform according to an embodiment includes receiving a payment request transaction for a mobile coupon that is a right to purchase a product or service through the point payment platform from a user terminal, the value of the mobile coupon belongs to storing a predetermined range as a lookup table; determining a first discount rate of a mobile coupon corresponding to the purchase request according to each value amount range based on the lookup table; and in response to the purchase request, the purchase the mobile gift certificate with a payment discounted by a first discount rate from the value of the mobile gift certificate, and issue the mobile coupon by deducting the mobile gift certificate from the value of the mobile coupon by an amount discounted by a second discount rate; , and displaying a mobile point corresponding to the mobile coupon by the user terminal.

Description

Operation method and device of the point payment platform {METHOD AND DEVICE OF OPERATION OF THE POINT PAYMENT PLATFORM}

The following embodiments relate to an operating method and apparatus of a point payment platform.

Recently, in an effort to increase demand in traditional markets and shopping malls, Onnuri gift certificates that can be used like cash are being distributed in traditional markets and shops. In other words, customers can use Onnuri gift certificates to purchase items at Onnuri gift certificate merchants such as traditional markets and stores, and the Onnuri gift certificate merchant can exchange money with the Onnuri gift certificate received from the customer.

Onnuri gift certificates include paper gift certificates in paper form and Onnuri mobile gift certificates that can be used by presenting and stored in mobile devices such as smartphones. In the case of Onnuri mobile gift certificates, you can purchase them from participating financial institutions or simple payment companies' apps (eg, Bifle Zero Pay).

However, the purchase process for Onnuri mobile gift certificates is complicated. For example, in the case of a specific financial institution, the purchase procedure is very complicated, such as having to use a specific app and moving to a page to purchase Onnuri mobile gift certificates within the app. Furthermore, there is a problem that the Onnuri mobile payment process and refund process are also complicated.

Republic of Korea Patent No. 10-1656054

Embodiments intend to sell mobile coupons through the platform, and pay for goods or services in the platform by the amount of the mobile coupons.

Embodiments apply a predetermined discount rate to the amount specified in the mobile coupon through the platform to sell the mobile coupon.

Embodiments support purchasing a mobile coupon as an Onnuri mobile gift certificate through the platform.

A method of operating a point payment platform according to an embodiment includes: receiving a payment request transaction for a mobile coupon that is a right to purchase a product or service through the point payment platform from a user terminal; and in response to the purchase request, the mobile coupon is issued by deducting the mobile gift certificate by an amount discounted by a first rate from the value of the mobile coupon, and the mobile point corresponding to the mobile coupon is displayed on the user terminal including the steps of

A method of operating a point payment platform according to an embodiment includes: providing a list of affiliated stores that provide goods or services that can be purchased with the points to the user terminal; receiving that one affiliated store is selected from the affiliated store list from the user terminal and that the points have been used for the selected affiliated store; and calculating an amount of a second ratio of the amount corresponding to the used points to the selected affiliated store.

The first ratio may be determined based on a value amount of the mobile coupon.

The method of operating a point payment platform according to an embodiment may further include displaying a ratio of points obtainable to the payment with the user terminal.

Embodiments may provide a platform for payment of goods and services with Onnuri gift certificates.

Embodiments may sell mobile coupons usable on the platform at a discounted price and purchase the mobile coupons as Onnuri mobile gift certificates.

1 is a view for explaining the general operation of the point payment platform according to an embodiment.
2 is a block diagram illustrating the configuration of a point payment platform according to an embodiment.
3 is a view for explaining a method of operating a point payment platform according to an embodiment.

Specific structural or functional descriptions disclosed in this specification are merely illustrative for the purpose of describing embodiments according to technical concepts, and the embodiments may be embodied in various other forms and are limited to the embodiments described herein. doesn't happen

Terms such as first or second may be used to describe various elements, but these terms should be understood only for the purpose of distinguishing one element from another element. For example, a first component may be termed a second component, and similarly, a second component may also be termed a first component.

When an element is referred to as being “connected” or “connected” to another element, it is understood that it may be directly connected or connected to the other element, but other elements may exist in between. it should be On the other hand, when it is said that a certain element is "directly connected" or "directly connected" to another element, it should be understood that the other element does not exist in the middle. Expressions describing the relationship between elements, for example, "between" and "between" or "neighboring to" and "directly adjacent to", etc. should be interpreted similarly.

The singular expression includes the plural expression unless the context clearly dictates otherwise. In this specification, terms such as "comprises" or "have" are intended to designate that the specified features, numbers, steps, operations, components, parts, or combinations thereof exist, and include one or more other features or numbers, It should be understood that the possibility of the presence or addition of steps, operations, components, parts or combinations thereof is not precluded in advance.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present specification. does not

The embodiments may be implemented in various types of products, such as personal computers, laptop computers, tablet computers, smart phones, televisions, smart home appliances, intelligent cars, kiosks, wearable devices, and the like. Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

1 is a diagram for explaining the general operation of the point payment platform according to an embodiment.

Referring to FIG. 1 , the point payment platform 110 according to an embodiment may transmit and receive data through the user terminal 120 and the network 130 .

Here, the network 130 may be a medium used to provide communication links between data processing systems, computers, servers, and various devices. The network 130 is a world wide collection of networks and gateways in which the point payment platform 110 and the user terminal 120 use a transmission control protocol internet protocol (TCP/IP) protocol suite to communicate with each other. can indicate In some examples, network 130 may include or be part of an intranet, local area network (LAN), or wide area network (WAN). Also, in some examples, network 130 may be part of the Internet.

The communication method between the point payment platform 110 and the user terminal 120 is not limited, and may include not only a communication method utilizing a communication network that the network 130 may include, but also short-range wireless communication between devices. . For example, the network 130 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), may include any one or more of networks such as the Internet. In addition, the network 130 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, etc. not limited

The user terminal 120 is a PC, a notebook computer, a smart phone, a tablet, a wearable computer, etc., for the service provided by the point payment platform 110, a related web / mobile site It may refer to any terminal device capable of accessing or installing and executing a dedicated application. Accordingly, the user terminal 120 may perform overall service operations such as configuring a service screen, inputting data, transmitting/receiving data, and storing data under the control of a web/mobile site or a dedicated application. Hereinafter, 'user' may refer to the user terminal 120 substantially.

The point payment platform 110 provides a mobile gift certificate purchase service for purchasing a mobile gift certificate at a discounted price to the user terminal 120, an exchange service for exchanging the mobile gift certificate for a discounted mobile coupon, and a mobile coupon for points As an entity that provides a shopping service that can be exchanged for and purchased goods and services with the exchanged points, it communicates with the user terminal 120 and the network 130 to provide commands, codes, files, contents, services, etc. It may be implemented in a computer device or a plurality of computer devices.

In this case, the point payment platform 110 may be implemented in the form of a server that provides the services (hereinafter, platform service) to provide the services to the user terminal 120 that is a client. However, it is not limited thereto, and the point payment platform 110 may be implemented as a system separate from the server providing the services, and may be implemented to provide platform services through interworking with the server. And the point payment platform 110 is implemented in the form of an application in which at least some or all of the components are installed on the user terminal 120, or is included in a platform that provides services in a client-server environment. It is also possible to be implemented as

The point payment platform 110 as described above will be described in more detail below.

2 is a block diagram illustrating the configuration of a point payment platform according to an embodiment.

Referring to FIG. 2 , the point payment platform 200 according to an embodiment may include a processor 210 , a bus 220 , a network interface 230 , a memory 240 , and a database 250 . The memory 240 may include an operating system 241 and a service providing routine 242 . In other embodiments, the point payment platform 200 may include more or fewer components than those of FIG. 2 . However, there is no need to clearly show most of the prior art components. For example, the point payment platform 200 may include other components such as a display or a transceiver.

The memory 240 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. In addition, program codes for the operating system 241 and the service providing routine 242 may be stored in the memory 240 . These software components may be loaded from a computer-readable recording medium separate from the memory 240 using a drive mechanism (not shown). The separate computer-readable recording medium may include a computer-readable recording medium (not shown) such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card. In another embodiment, the software components may be loaded into the memory 240 through the network interface 230 instead of a computer-readable recording medium.

The bus 220 may enable communication and data transfer between components of the point payment platform 200 . Bus 220 may be configured using a high-speed serial bus, parallel bus, storage area network (SAN), and/or other suitable communication technology.

The network interface 230 may be a computer hardware component for connecting the point payment platform 200 to a computer network. Network interface 230 may be a network interface card such as an Ethernet card, an optical transceiver, a radio frequency transceiver, or any other type of device capable of sending and receiving information. Other examples of such network interfaces may be mobile computing devices and wireless devices including Bluetooth in USB, 3G and WiFi, and the like. In some examples, the computing device can use the network interface 230 to communicate wirelessly with an external device, such as a server, mobile phone, or other networked computing device. The network interface 230 may connect the point payment platform 200 to a computer network through a wireless or wired connection.

The database 250 may serve to store and maintain information about the electronic gift certificate. In addition, the database 250 may serve to store and maintain all information necessary to provide a platform service. In the drawings, the database 250 is built and included in the point payment platform 200, but it is not limited thereto and may be omitted depending on the system implementation method or environment, or all or part of the database is separate. It is also possible to exist as an external database built on another system of

The processor 210 may be configured to process commands of a computer program by performing basic arithmetic, logic, and input/output operations of the point settlement platform 200 . The instructions may be provided to the processor 210 by the memory 240 or network interface 230 and via the bus 220 .

The processor 210 exchanges a mobile gift certificate purchase service for purchasing a mobile gift certificate at a discounted price, an exchange service for exchanging the mobile gift certificate for a mobile coupon at a discounted price, and a mobile coupon for points, and uses the exchanged points A shopping service for purchasing goods and services may be provided to the user terminal. A detailed description thereof will be provided below.

As described above, the point payment platform 200 has been described as including the processor 210 , the bus 220 , the network interface 230 , the memory 240 , and the database 250 , but is not limited thereto.

3 is a view for explaining a method of operating a point payment platform according to an embodiment.

Referring to FIG. 3 , steps 310 to 330 may be performed by the point payment platform 200 described above with reference to FIG. 2 .

In step 310, the point payment platform 200 according to an embodiment receives a payment request transaction for a mobile coupon, which is a right to purchase a product or service through the point payment platform from the user terminal.

The point payment platform 200 according to an embodiment provides a mobile coupon purchase service that can be purchased with a mobile gift certificate purchased at a discounted price, and the user uses the mobile coupon to purchase goods and services at the affiliated store of the mobile coupon can

Furthermore, the point payment platform 200 may not only provide a mobile coupon purchase service, but may also provide an exchange service for purchasing a mobile coupon that can be used like cash on the point payment platform 200 with a mobile gift certificate. To this end, the point payment platform 200 may be preemptively registered as an affiliate store of the corresponding mobile gift certificate.

In step 320, the point payment platform 200 according to an embodiment, in response to the purchase request, purchases the mobile gift certificate with a payment discounted by a first percentage from the value of the mobile voucher, and from the value of the mobile voucher The mobile coupon is issued by subtracting the mobile gift certificate by the amount discounted by the second ratio, and the mobile point corresponding to the mobile coupon is displayed on the user terminal.

Users can purchase discounted mobile gift certificates (for example, Onnuri mobile gift certificates are sold at a 10% discount up to a limit of KRW 1 million), and mobile coupons sold on the point payment platform 200 can be exchanged for mobile gift certificates. have. In this case, the mobile coupons sold on the point payment platform 200 may be sold at a discount by a predetermined ratio (eg, 20%).

Assuming that Onnuri mobile gift certificates are sold at a 10% discount and mobile coupons are sold at a 20% discount, the user can purchase Onnuri mobile gift certificates worth 100,000 won with 90,000 won on the point payment platform 200, and 100,000 won With the Value Onnuri mobile gift certificate, you can purchase a mobile coupon worth 125,000 won. That is, the user can purchase a mobile coupon worth 125,000 won with 90,000 won, and convert the mobile coupon into points to purchase goods and services sold on the point payment platform 200 .

There is a possibility that the discounted mobile gift certificate according to an embodiment may be sold out because only a limited quantity is sold. Accordingly, the point payment platform 200 according to an embodiment may provide the user terminal with the amount of mobile gift certificates currently available for sale and the time at which the mobile gift certificates are expected to be sold out. To this end, the point payment platform 200 may be equipped with an artificial neural network module that predicts the sales speed of each mobile product group for each type of mobile gift certificate.

The mobile coupon purchase request according to an embodiment may include information on the value of the mobile coupon that the user wants to purchase. When the point payment platform 200 receives a mobile coupon purchase request from the user terminal, the point payment platform 200 may provide discounted price information of the mobile coupon that the user wants to purchase. For example, when the point payment platform 200 receives a purchase request for a mobile coupon worth 125,000 won from a user, it may display that the amount required to purchase the mobile coupon is 90,000 won through the interface of the user terminal. can

The discount rate of the mobile coupon according to an embodiment may be determined based on the value of the mobile coupon. For example, as the value of the mobile coupon increases, the discount rate of the mobile coupon may be set larger. Specifically, the point payment platform 200 stores a predetermined range to which the value amount of the mobile coupon belongs as a lookup table, and may determine a discount rate of the corresponding mobile coupon according to each value amount range.

In addition, the discount rate of the mobile coupon may be determined based on the remaining quantity of the mobile gift certificate currently available for sale. For example, as the remaining number of mobile gift certificates increases, the discount rate of the mobile coupons may be set larger. Furthermore, the discount rate of the mobile coupon according to an embodiment may be determined by a combination of the value of the mobile coupon and the remaining amount of the mobile gift certificate.

Points according to an embodiment may be used not only in the direct mobile shopping mall provided by the point payment platform 200 , but also in affiliate stores that have subscribed to the point payment platform 200 .

To this end, the point payment platform 200 according to an embodiment may provide a mobile gift certificate and a list of merchants that provide goods or services that can be purchased with points to the user terminal, and one of the merchant lists from the user terminal When an affiliated store is selected and it is received that the points have been used by the selected affiliated store, the amount of the third ratio of the amount corresponding to the points used as the selected affiliated store may be settled.

In the case of traditional market and alley market merchants, there are great benefits (for example, a 10% discount) as a member of the Onnuri gift certificate, a traditional market gift certificate, but they are not able to use it. It is not easily accessible due to lack of In this situation, the point payment platform 200 according to an embodiment provides a service for converting Onnuri mobile gift certificates into points to enable digital conversion of traditional markets and alley markets, thereby activating local commercial areas. have. In addition, in the case of a customer, in addition to the discount of the Onnuri mobile gift certificate, a larger discount can be received through the discount provided by the point payment platform 200 .

The embodiments described above may be implemented by a hardware component, a software component, and/or a combination of a hardware component and a software component. For example, the apparatus, methods, and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate (FPGA) array), a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that can include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

Software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or apparatus, to be interpreted by or to provide instructions or data to the processing device. , or may be permanently or temporarily embody in a transmitted signal wave. The software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

As described above, although the embodiments have been described with reference to the limited drawings, those skilled in the art may apply various technical modifications and variations based on the above. For example, the described techniques are performed in an order different from the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (5)

In the operating method of the point payment platform,
A payment request transaction for a mobile coupon, which is the right to purchase from a user terminal with a mobile gift certificate that can be used like cash at a mobile gift certificate merchant, and the right to purchase goods or services from a mobile coupon merchant provided through the point payment platform Receiving the step of receiving, the payment request for the mobile coupon will include information on the value of the mobile coupon that the user wants to purchase, receiving a payment request transaction for the mobile coupon;
checking a currently available remaining quantity for a mobile gift certificate of the same type as that of the mobile gift certificate corresponding to the payment request;
predicting a sales speed of the mobile gift certificate of the same type and determining a time when the mobile gift certificate is expected to be sold out;
providing, to the user terminal, the remaining quantity of the mobile gift certificate of the same type and a time when the mobile gift certificate of the same type is expected to be sold out;
determining a first discount rate based on a type of a mobile gift certificate corresponding to the payment request;
referring to a lookup table storing a discount rate according to a predetermined range to which the value amount of the mobile coupon belongs;
determining a second discount rate based on a combination of the value amount of the mobile coupon corresponding to the payment request and the confirmed remaining amount of the mobile gift certificate with reference to the lookup table;
In response to the payment request, the mobile gift certificate is purchased with a payment discounted by a first discount rate from the value of the mobile gift certificate, and the mobile gift certificate is purchased by an amount discounted by a second discount rate from the value of the mobile coupon Issuing the mobile coupon by subtracting, displaying the mobile point corresponding to the mobile coupon to the user terminal;
providing to the user terminal a list of mobile coupon affiliated stores that provide goods or services that can be purchased with the mobile points;
receiving that one affiliated store is selected from the affiliated store list from the user terminal and that the points have been used for the selected affiliated store; and
Settling the amount of the third percentage of the amount corresponding to the used points to the selected affiliated store
A method of operating a point payment platform comprising a. delete delete delete The method of claim 1,
Displaying a ratio of points obtainable to payment by applying the first discount rate and the second discount rate to the user terminal, respectively
Further comprising, the operating method of the point payment platform.

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