KR20030086525A - On-line billing method using coupon - Google Patents

Abstract

PURPOSE: An on-line payment service method using a discount ticket is provided to receive a part or all discount of an amount of payment money by inputting identification information of the discount ticket issued for advertisement. CONSTITUTION: A discount ticket including identification information is issued by a proxy payment company, and identification information and an amount of discount money of the issued discount ticket are stored in a proxy payment database(S11). Identification information of the discount ticket is inputted in a web page by a payer terminal connected to the Internet(S12). A billing server receives identification information of the discount ticket, transmits payment information to a proxy payment server, and requests authentication(S13). The proxy payment server inquires the proxy payment database, confirms identification information and discount money, stores payment information, approves the authentication request of the billing server, and notifies an amount of discount money(S14). The discounted payment money is applied to a corresponding payment case(S15).

Description

Online payment service using discount coupons {ON-LINE BILLING METHOD USING COUPON}

The present invention in paying various bills, including utility bills by using the online billing service (billing and billing), various bills such as taxes, utility bills, electricity bills and communication charges through the Internet or mobile communication network, By inputting the identification information of the discount voucher issued for the purpose of advertising, it is possible to receive a part or all of the payment amount.

An online billing service and an online billing system are services for issuing and depositing bills that have been performed in an offline manner through a financial institution on an online basis based on the Internet or a mobile communication network. That computerized system says.

The online billing system is different from the conventional online banking or inter-banking network, such as telebanking, PC banking or Internet banking, which is a simple inquiry and withdrawal. Customer management, application management, usage management, billing management, and sales receipt that enable the issuance and receipt of various bills and invoices online through flexible linkage and integration between financial systems, Comprehensive support functions include management, outstanding debt management, settlement management, business status management, code management and operation management.

Through this online billing system, payers can conveniently pay various bills and charges using the Internet or personal mobile communication without visiting the financial institution. The cost of issuing and mailing can be reduced.

In addition, while the work area of the existing direct debit is only limited to the payment process, in the online billing system, various bills are integrated and managed by the payer, which prevents delinquency due to missing bills, It is very advantageous in terms of record keeping because it is issued and managed electronically.

Therefore, in view of the rapid increase in the use of the Internet and personal mobile communication, when the use of the above-mentioned online billing system is activated, it is necessary to pay taxes, utilities or various fees even if the system construction and operation costs are considered. As the incidental cost can be drastically reduced, efforts are being made to activate the online billing system in the claims of public agencies as well as telecommunication companies, financial institutions, insurance companies or distributors.

However, compared to the existing direct debit, the payer is not attracted by the fact that the various invoices and receipts are integrated and managed, and there is no visible financial benefit. Considering that, since it is impossible to significantly discount the payment amount or processing fee, there was a problem that can not give a substantial benefit to the payer.

Therefore, there are only a few payers who want to take the complicated steps of installing related software and authenticating users in order to use the online billing system, and there are limitations in inducing payer participation through public relations and genealogy. There were many difficulties in activating the billing system.

In addition, while most internet-based electronic payment and e-commerce systems operate various revenue models through membership recruitment and advertisement, in addition to the original transaction business, the billing subject is mostly a public institution in the online billing system. Subsequently, there were limits to the application of revenue models such as in other electronic payment and e-commerce systems.

The present invention has been made in view of the above-mentioned problems. When the payer inputs the identification information described in the discount coupon distributed by the advertiser to the web page of the online billing system, the billing server of the online billing company receives it and issues a discount coupon. It is to notify the payment server of a lender to pay the amount corresponding to the discount coupon.

Issuance of a voucher is made by the payment company according to the order of the advertiser, and the voucher contains identification information such as a serial number which will be used for later validation. This recorded payment database is connected, allowing you to collect and analyze information such as the date and time of use of the discount ticket, the place of use, and the user's personal information.

1 is a conceptual diagram of the present invention.

2 is a system configuration diagram of the present invention.

Figure 3 is an exemplary web page of the present invention.

4 is a flow chart of the present invention.

<Code Description of Main Parts of Drawing>

10: Internet

11: Web-page

12: Billing server

13: payment server

14: payment database

15: payer terminal

19: telephone network

20: discount coupon

31: payer

32: On-line billing company

33: lender

34: Advertiser

S11: discount ticket issuance stage

S12: Identification information input step

S13: discount ticket authentication request step

S14: Discount voucher certification step

S15: Payment discount stage

The detailed configuration and implementation of the present invention will be described with reference to the accompanying drawings.

First, the main subject of the present invention is a discount coupon 20 according to the order of the payer 31, the online billing company 32, and the advertiser 34 who pays various utilities or usage fees through the online billing system. ) Is a payer 33 issuing and the payer 31 is an advertiser 34 as a customer, the overall system configuration is as shown in Figure 2 is composed of a web page 11 and billing server 12, etc. Mobile phone connected to billing server 12 through billing system 13, payment server 13 of payment company 33, payment database 14 connected thereto and computer 10 connected to Internet 10, or telephone network 19 It is made of a payer terminal 15, such as.

Looking at the specific process of the present invention, as shown in Figure 4, according to the order of the advertiser 34, the discount voucher 20 including the identification information is issued by the payment company 33 of the voucher 20 issued at the same time When the identification information and the discount amount are stored in the payment database 14 and the payer 31 who receives the discount ticket 20 enters the identification information described in the discount ticket 20 into the billing server 12 through the payer terminal 15. When billing server 12 requests authentication to payment server 13 and payment server 13 queries payment database 14 to accept the certificate, the payment amount is discounted by the amount indicated on discount coupon 20. The service goes through the process.

The payment discount is when the advertiser 34 orders the issuance of a voucher 20 containing his advertisement and pays a predetermined fee to the lender 33. This is done by paying a discount on the accepted payment.

Through this process, the payer 31 may receive a discount on the payment amount, the advertiser 34 may obtain a high advertisement effect by using the discount coupon 20, and the online billing company 32 may expand the service user. Can be obtained.

The discount voucher 20 issued by the payment company 33 displays advertisements, discounts, etc. of the advertiser 34 together with identification information such as a serial number, as shown in FIG. 2, and the payer 31 who distributes the discount voucher 20. ) Transmits the identification information indicated on the discount ticket 20 to the billing server 12 through a payer terminal 15 such as a computer or a mobile phone connected to the Internet 10.

Therefore, the payer 31 does not discard the discount voucher 20 until the final use, and the advertisement effect is very large because the details of the discount voucher 20 are examined in detail in the process of inputting the identification information displayed on the discount voucher 20. have.

Such a discount voucher 20 may be applied to a multi-seat ceremony or multiple discount vouchers 20 to a single payment voucher, which allows one discount voucher 20 to be used a plurality of times. It can be issued in various forms, such as a cumulative expression, and the identification information includes an error check number that acts as a parity check bit. It is possible to prevent the occurrence and input.

The identification information described in the discount ticket 20 is input to the webpage 11 connected to the billing server 12 through the payer terminal 15 connected to the Internet 10, and the inputted identification information is required for processing the payment. The payer 31 is transmitted to the billing server 12 together with the payment information such as the status, payment type, and receiving institution.

Since most online billing services are based on the Internet 10, in particular, the Web, payment information input and output of the payer 31 is achieved through the web page 11, The web page 11 for inputting identification information of the present invention may also be constructed as part of the existing online billing service web page 11.

The billing server 12 receiving the identification information of the discount ticket 20 and the payment information of the corresponding payment item selectively transmits the information to the payment server 13 to request authentication. Identification information is necessarily included.

That is, the identification information for the authentication of the discount coupon 20 is essentially transmitted, but the payment information including personal identification information, etc. is selectively transmitted according to whether or not the payer 31 agrees, as shown in FIG. Depending on the degree of disclosure, it is possible to apply a differential method to the discount amount.

The payment server 13 receiving the identification information and the payment information checks the identification information by checking the payment database 14 to determine whether the discount voucher 20 is valid, and if it is determined that it is valid, at the same time accepting the authentication. The payment information received is stored in the payment database 14.

The payment information stored in the payment database 14 is collected with the consent of the payer 31 through the above-described process, and may be used as marketing information of the advertiser 34 or the payment company 33 as needed. Can be.

If the authentication is accepted, the billing server 12 will process the payment by discounting the amount indicated on the discount voucher 20, and the discounted amount will be paid by the payment company 33.

After all, the technical gist of the present invention consists of a billing server 12 and a web page 11 connected thereto, and an online billing system for billing and paying taxes, utilities or communication charges through the Internet 10 or the telephone network 19 ( In the on-line billing system, a discount voucher 20 including an identification information is issued by the lender 33 and a discount voucher is issued in which the identification information and the discount amount of the issued discount voucher 20 are stored in the billing database 14. In step S11, the identification information input step S12 in which the identification information of the discount coupon 20 is input to the web page 11 by the payer terminal 15 connected to the Internet 10, and the web page 11 Billing server (12) receiving the discount voucher (20) identification information inputted from) transmits the payment information and the discount voucher (20) identification information to the payment server (13) requesting authentication, including the payment type and storage institution information Discount ticket authentication request step (S13), and the payment server 13 and After confirming the payment information database 14 confirms the identification information and the discount amount, stores the payment information, accepts the authentication request of the billing server 12, and the discount ticket authentication step (S14) and billing server (12) This is an online payment service method using a discount coupon consisting of a discount amount discount step (S15) to apply the payment amount reflecting the discount amount reported to the corresponding payment case.

By expanding the use of the online billing system through the present invention, it is possible not only to reduce unnecessary costs incurred due to the issuance and receipt of invoices, but also to generate new profits through attracting advertisements through discount coupons.

Claims (1)

It consists of a billing server 12 and a web page 11 connected thereto, and bills and pays taxes, utilities or telecommunications fees through the Internet 10 or the telephone network 19 in an on-line billing system. In A discount voucher issuing step (S11) in which the discount voucher 20 including the identification information is issued by the lender 33 and the identification information and the discount amount of the issued voucher 20 are stored in the payment database 14; An identification information input step (S12) in which identification information of the discount coupon 20 is input to a web page 11 by a payer terminal 15 connected to the Internet 10; The billing server 12 receiving the discount coupon 20 identification information input from the webpage 11 transmits the payment information including the payment type and the receiving institution information and the discount coupon 20 identification information to the payment server 13. A discount ticket authentication request step (S13) for requesting authentication; The payment server 13 checks the payment database 14 connected thereto, checks the identification information and the discounted amount, stores the payment information, accepts the authentication request of the billing server 12, and notifies the discounted amount (S14). )Wow; Billing server (12) online payment service method using a discount coupon consisting of a payment amount discount step (S15) to apply the payment amount reflecting the discount amount reported to the payment.