KR20040009807A - A operating method for a gift certificate form card base on debit card system - Google Patents

Abstract

A method of operating a debit card gift certificate based on a debit card system is disclosed. The method for operating a debit card gift certificate includes the steps of: (a) receiving order information including selection information on a card gift certificate to be issued from a customer computer; And (b) producing a card voucher logicalized by a card number method as a card number type card voucher according to the received order information and sending the card voucher to a customer.

This debit card voucher will be fully cashed, regardless of the remaining balance, and will issue new vouchers and coupons that compensate for consumer protection and counterfeiting risks.The issuer or bank, merchants, discount affiliates and consumers will all be satisfied together. It provides a method of operating a debit card gift certificate.

Description

{A operating method for a gift certificate form card base on debit card system}

The present invention relates to a method for operating a debit card gift certificate, and more particularly, to a method for operating a debit card gift certificate based on a debit card system.

In Korea, the gift certificate market is over 3 trillion won annually, and its size is continuously increasing. However, according to the conventional method of operating a gift certificate, there is a problem that the distribution range of the gift certificate is limited.

For example, department stores, petrol and shoe store vouchers can only be used at the issuers and very few affiliated stores, or for books, cultural vouchers, CMS coupons, etc., only at hundreds to thousands of partners. In addition, there are restrictions on payment methods for gift certificates and coupons. Small gift vouchers are at risk of tax evasion due to the preference for cash sales.

In addition, the conventional gift certificate management method has a problem that the distribution path is limited. Most existing vouchers can be purchased on the Internet, but the e-commerce payment function is insignificant, and some e-commerce vouchers can only use certain affiliate sites, and secure e-commerce payment functions in all shopping malls at home and abroad such as debit cards. I can't. In addition, the voucher issued according to the conventional voucher management method secures the payment function according to the purchase of goods or services, but there is no other additional functions, so the functions that can be used are limited. There is a differentiation factor such as issuance amount, issuer designation of use within a distribution merchant recruited by the issuer, sending a message, etc., but it is difficult to give a high level of additional functions such as discount or point accumulation.

In addition, according to the conventional method for operating a gift certificate, in the case of existing gift certificates and coupons, the process from issuance to distribution is not managed by a consistent system, and there is a problem that there is no consumer compensation standard for loss or theft.

In addition, the vouchers issued according to the conventional voucher management method is made in the form of paper vouchers and coupons, and at this time to prevent forgery and alteration through special design and printing, but due to the development of related technologies such as computer design, printing, copying For general consumers without expertise, it is virtually difficult to verify forgery, and even in gift vouchers, objective and scientific forgery is difficult due to the lack of a computerized system for issuance and distribution.

In addition, the voucher issued according to the conventional voucher management method is issued information such as the issuance number, the issued amount, the usage method and the affiliated retailer, but there is a problem that the convenience of the voucher payment is not promoted.

In addition, various electronic money, which can be said to be similar to a gift certificate, cannot be secured as a gift to another person, which is a main function of the gift certificate, because a transaction is performed by the user's ID and password. In addition, distribution of vouchers and payment of e-commerce using mobile communication such as mobile phones are not made due to the incompatibility of existing voucher issuance systems and inadequate related systems.

In addition, there is a problem that the conventional voucher service method is inconvenient for the gift voucher and coupon distribution.

In other words, most existing gift vouchers (coupon) retailers collect vouchers received from consumers manually and present them to the issuer to settle the voucher distribution price by receiving the relevant amount excluding voucher distribution fees. Due to the lack of computerized results, the financial industry is inconvenient, and there is a risk of tax evasion, such as reduced sales.

In addition, there is a problem that the conventional gift certificate service crime is inconvenient to process the refund of gift certificates and coupons. In other words, if the customer requests a refund after using more than 60% (80% or less of 10,000 won) of the issuance amount under the standard gift voucher, the system will provide a refund. In the case of department store and department store vouchers, consumers are accused of refunding vouchers such as demanding purchases of other products in balance.

In addition, the conventional gift voucher service method has a problem of receiving a report and compensation in case of loss, theft, or damage of the gift voucher and coupon.The conventional gift voucher is not 100% fully exchanged. I tend to buy things no matter what.

A prepaid card operation method has been proposed that can solve the above problems. However, the prepaid card issued according to the prepaid card operating method as described above may be used limited to a specific business to which a prepaid card contract is concluded, such as an existing cultural gift certificate, and it is inconvenient that a separate terminal for prepaid card approval is required. There is this.

In addition, the prepaid card issued according to the prepaid card operating method as described above has a problem that it is difficult to compensate for loss or theft as the existing gift certificate.

The technical problem to be achieved by the present invention is to issue a new voucher and coupon to compensate for the consumer protection and forgery risk, and to provide a debit card voucher operating method that can be satisfied with the issuer (bank), merchants, consumers.

1 is a block diagram showing the structure of a card voucher management system that issuing a card voucher issuing preceded in the fabric card voucher operating method according to the present invention.

FIG. 2 is a flowchart illustrating main steps for issuing a card voucher in the method of operating a debit card voucher according to an embodiment of the present invention performed in the card voucher operating system of FIG. 1.

3 is a flowchart showing the main steps for a member to order a card voucher.

4 is a flowchart showing the detailed steps of generating gift certificate issuance information data.

5A and 5B illustrate examples of a user interface screen for ordering a debit card gift certificate.

6A and 6B are diagrams for explaining examples of a production form of a card gift certificate.

7A and 7B are diagrams for explaining an example of generating an issue number of a card number type gift certificate.

8 is a block diagram illustrating a structure of a card gift certificate operating system in which a method of operating a debit card gift certificate according to the present invention is performed.

9 is a flowchart illustrating the main steps of the method for operating a debit card gift certificate according to an embodiment of the present invention performed in the card gift certificate operating system of FIG.

10 is a flowchart illustrating a refund processing process for a card gift certificate issued according to the method for operating a debit card gift certificate according to the present invention.

11 is a flowchart illustrating a lost, stolen, forgery / falsification report, and inquiry process for a card voucher issued according to the method for operating a debit card voucher according to the present invention.

12 is a flowchart illustrating a procedure for granting and verifying a password for each voucher for a card voucher issued according to the method for operating a debit card voucher according to the present invention.

Figure 13 schematically illustrates the configuration and operation method of the debit card gift certificate payment system according to the present invention.

14 schematically illustrates a configuration and operation method of a debit card gift certificate balance exchange system through the Internet network according to the present invention.

15 is a block diagram showing a system for purchasing and paying a debit card gift certificate through an internet network according to the present invention.

In order to achieve the above object, a card gift certificate operating method according to the present invention comprises the steps of: (a) receiving order information including selection information on a card gift certificate to be issued from a customer computer; And (b) producing a card voucher logicalized by a card number method as a card number type card voucher according to the received order information and sending the card voucher to a customer.

In addition, the card gift certificate operating method includes the steps of: (c) receiving issuance information read from the card gift certificate; (d) checking whether the gift certificate is lost or forged using the customer information stored in the customer database and the issued issue number; (e) performing a gift certificate inquiry if the presented gift certificate is identified as not being lost or forged; And (f) identifying whether the gift certificate inquiry is normally approved and sending an approval message if it is normally approved.

In addition, the card gift certificate operating method (g) the merchant checks the approval message, outputting the approval sales slip and payment processing of goods / services; (h) the merchant accepting the payment request at the bank server by sending a payment request for the card voucher; (i) checking whether the merchant is normal and the payment condition if the payment request is received; (j) if the affiliated store is checked to be in a normal state, paying the price according to the specified payment condition.

In addition, the step (b), (b-1) generating the gift certificate issuance information data based on the order information; And (b-2) generating issuance information including the card number type gift certificate issuance number using the generated gift certificate issuance information data.

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

1 is a block diagram illustrating a structure of a card voucher management system in which card voucher issuance is performed in the debit card voucher operating method according to the present invention. In addition, FIG. 2 is a flowchart illustrating main steps for issuing a card voucher in the debit card voucher operating method according to an embodiment of the present invention performed in the card voucher operating system of FIG. 1.

Referring to FIG. 1, a card gift certificate operating system in which a card gift certificate operating method according to the present invention is performed includes a gift certificate issuer server 10. The gift certificate issuer server 10 is connected to the communication network 12. The communication network 12 may be various communication networks such as, for example, the Internet, an intranet, or an ARS network. In addition, a customer computer 14 may be connected to the communication network 12. In addition, the gift certificate issuer server 10 includes a gift certificate sales management unit 102 and a gift certificate issue unit 104. The gift certificate issuer server 10 also includes a customer database 106 and an authentication database 108.

The operation of the card voucher management system as described above will be described. First, gift voucher application data is received from the customer computer (step 202). FIG. 3 is a flowchart illustrating main steps for a member to order a card voucher in the method for operating a card voucher according to the present invention, and FIG. 4 is a flowchart illustrating the detailed steps of the step 206 of generating gift voucher issuance information data. .

5A and 5B show examples of a user interface screen for card voucher order. 5A and 5B are referenced from time to time from time to time.

Referring to FIG. 3, first, the bank server 10 sends a web page for a customer to order a card voucher through the communication network 12, and the sent web page is displayed on the screen of the customer computer 14 so that the customer A card (coupon) gift certificate selection menu is provided. In the card (coupon) gift certificate selection menu 50 displayed on the screen of the customer computer 14, the customer selects the issued amount and number of card gift certificates (step 302).

For example, in the present embodiment, 50,000 won, 100,000 won, and 500,000 won can be selected from the check box 502 for selecting the issuance amount and the number of the fixed amount tickets, and the number of issues issued for each amount can be selected. In addition, the issue amount and the number of purchases may be selected in a check box 504 for selecting the issue amount and the number of the orderer's request right, which can be arbitrarily determined by the customer.

Next, a card (coupon) gift certificate selection menu 50 includes a check box 506 for selecting a gift certificate design, and a member selects an icon marked "Go to design selection menu" provided in the check box 506. Click to go to a menu (not shown) for selecting a gift certificate design. In the menu for selecting a gift certificate design, you can select a design that you want to be issued from among a large number of sample designs. In this way, the customer selects the design of the gift certificate he wants to be issued (step 304).

In addition, a card (coupon) gift certificate selection menu 50 includes a check box 507 for selecting a gift certificate production type, and a member clicks on a select button provided in the check box 507 to form a paper magnetic strip (MS). Gift Certificates, Plastic Magnetic Stripes (MS) Gift Certificates, Rechargeable IC Gift Certificates. And a type of voucher to be issued from among electronic money vouchers (step 306).

6A and 6B are diagrams for explaining examples of the production form of the card gift certificate. 6A is an example of a department store card type gift certificate, and FIG. 6B corresponds to an example of a business card type gift certificate. Referring to FIGS. 6A and 6B, the department store card type gift certificate 60 and a business card type card gift certificate 62 each have a magnetic strip. 602 and 622 and barcodes 604 and 624 are included.

In addition, a card (coupon) gift certificate selection menu 50 includes a selection box 508 for selecting a use range of the gift certificate, and a member clicks on a selection button provided in the selection box 508 to select a domestic debit card merchant, From the domestic debit card merchant and e-commerce combined, the domestic / overseas debit card merchant and e-commerce combined to select the range of use of the gift certificate to be issued (step 308).

When the customer clicks the "Next" icon 110 to specify different selection conditions, the type of card gift certificate he wishes to issue in the other card (coupon) gift certificate selection menu 52 is displayed on the screen of the customer computer 14. Continue to select.

On the other hand, the customer may be issued by selecting the type of gift certificate (step 310). That is, the card (coupon) gift certificate selection menu 52 includes a check box 522 for selecting the type of gift voucher, and a member can select an optional model name by clicking on a select button provided in the check box 522. have.

For example, the card voucher identified by the optional model name "SG00" is a general debit card voucher without additional service, and the card voucher identified by the optional model name "SE01" is a Samsung Electronics 5% point reserve affiliated gift certificate. Card vouchers classified under the model name "LG01" are affiliated vouchers for 20 won discount per L oil refinery L and lottery lotteries based on the approval number of the lottery tickets.The voucher is an e-commerce voucher classified under the optional model name "EG01". Off-line gift vouchers, card vouchers identified by the optional model name "EG02" are e-commerce vouchers that include mobile Internet transactions as well as general PCs. It is possible to give a function.

In other words, it is possible to secure an e-commerce payment function of gift certificates using mobile communication such as the Internet and mobile phones.

In addition, the customer can enter the password of the gift certificate (step 312). That is, in the card (coupon) gift certificate selection menu 52, there is a check box 524 for selecting a password input method of the gift certificate, and the member clicks on a selection icon provided in the select box 524 to keep the secret of the gift certificate. Move to a menu (not shown) for entering a number.

In the menu (not shown) for inputting the password of the gift certificate, it is divided into a menu (not shown) for specifying the same password for all gift certificates and a menu (not shown) for inputting passwords for individual gift certificates, respectively. It is possible to specify the same password for the gift certificates or to enter the passwords for the individual gift certificates respectively.

When entering a password, it is equipped with a function to automatically check the serial number that can be easily predicted, such as 0000, 1234, or 6789, and a simple password that can be easily recognized by others, such as its own social security number and phone number. It is more preferable to increase the anti-theft effect. However, it is more preferable that the issuer assigns and confirms the password for each gift certificate by restricting the issuer to use it in advance for the purpose of distribution of the gift certificate.

It is also possible for the customer to select a payment method (step 314). That is, the card (coupon) gift certificate selection menu 52 includes a check box 526 for selecting a payment method, and a member can select a payment method by clicking a selection button provided in the select box 526. For example, a customer may choose how he wishes to pay among cash, credit card, and electronic money.

At this time, when purchasing with a debit card or electronic money, the bank and the electronic money issuer approve the process based on the main card (electronic money) information such as the corresponding card number, password and expiration date. In the case of a cash purchaser, it is more preferable to perform separate purchaser personal information management.

On the other hand, due to the nature of the gift function of gift certificates, anonymous purchases are very difficult to verify the fact of accident sales, so the purchaser of a cash purchaser should be purchased with a real name to ensure normal compensation in the event of accident sales due to the loss, theft, or the appearance of counterfeit gift certificates. For example, it is more preferable to receive and manage management information including a name, social security number, telephone number, address, and the like.

For example, when the contents data is calculated or inputted through the Internet and the purchase application is confirmed (enter), the corresponding purchase information is computerized and reflected on the bank server 10 in charge of issuing the debit card gift certificate in real time. Proceed.

In this case, it is more preferable that the bank stores the business code, seller's personal information, password, and seller's sales information of the gift voucher in the sales management system to increase the safety of debit card voucher distribution and prevent money accidents in advance. .

In addition, the user simply selects whether to pay the purchase price and purchase the real name (with or without loss compensation service) during the purchase application process, so that the user can immediately select the desired voucher from among the vouchers issued by the debit card voucher and purchase it immediately. It is more preferable.

Next, the customer has a check box 528 for selecting a payment method in the card (coupon) gift certificate selection menu 52, and the member moves to a menu for inputting shipping information by clicking the check box 528. do. In the menu for entering the delivery information, the customer enters the delivery information including the address for receiving the card voucher (step 316).

Finally, when the selection of the card voucher that he / she wishes to issue in the card (coupon) gift certificate selection menu 52 is completed, the customer transmits the order by clicking the order completion icon 530 (step 318).

Next, according to the order information received by the bank server 10, the gift certificate issuing unit 104 analyzes 204 gift certificate purchase application data and generates gift certificate issue information data (step 206).

Referring to FIG. 4, for example, data indicating the voucher issuance date and expiration date are generated (step 402), and the issued information is generated using the generated data including the card number voucher issuance number (step 404). do. 7A and 7B are diagrams for explaining an example of generating an issue number of a card number type gift certificate.

FIG. 7A illustrates a gift certificate issued number for use of a worldwide VISA member store and all domestic merchants, and FIG. 7B illustrates a gift certificate generation number for a use of a worldwide MASTER member store.

Referring to FIG. 7A, the number region referred to as 702 corresponds to a vehicle identification number (VIN) or PRE-FLX region and corresponds to a bank-specific unique number. Visa card method gives the first 6 digits. Local cards that can only be used in Korea are the first six digits.

In order for debit card vouchers to be used at domestic and overseas franchise stores and domestic franchisees, a new VIN approval can be obtained at the Visa headquarters in advance or the existing bank can be used. This is only possible with banks that are pre-affiliated with Visa.

Next, the number area referred to as 704 is an area for classifying a gift certificate or coupon issuance type. For example, a voucher with a password may be assigned as "0" and a voucher without a password as "1". In addition, a coupon with a password can be assigned as "6", a coupon without a password as "7", and the like. Next, the number area referred to by 706 is an area for recording serial numbers. That is, it is possible to assign serial numbers according to the date of issue and the order of issue.

Next, the number area referred to as 708 is an area for distinguishing the gift certificate issuance history. For example, it is possible to assign the first issue as "0", the lost reissue as "1", theft reissue as "2", the damaged reissue as "3", and the second lost reissue as "4". Next, the number area referred to as 710 is an area for recording the anti-counterfeiting random number table.

Referring now to FIG. 7B, the number area referred to as 722 is a Vehicle Identification Number (VIN) or PRE-FIX area, where a bank-specific unique number is recorded and the master card has given the first five digits. You can obtain a new VIN approval from the master headquarters in advance, or use the existing bank's corresponding VIN.

This is only possible for banks previously affiliated with the master. Next, the numbered areas referred to as 724, 726, 728, and 730 are the same as the numbered areas 704, 706, 708, and 710 described with reference to FIG. 7A, respectively.

Now, the bank voucher production system 10a generates a card voucher according to the order information received by the bank server 10 and sends it to the customer (step 208). At this time, the gift certificate sales management unit 102 in the bank server 10 inputs and reflects the consumer purchase information.

In addition, the consumer purchase information is computerized and reflected by the gift certificate issuing unit 104, the main issue information data is automatically generated computerized. Next, the main issuance information data generated in the bank server 10 is transmitted to the gift certificate issuance information production system 10a, and the gift certificate issuance information production system 10a is a card through a debit card gift certificate production process including an embossing operation. Create a gift certificate and pay the debit card gift certificate to the user.

In this way, a card voucher is issued to the customers. That is, according to the debit card gift certificate production method selected by the customer (design, issuance amount, gift certificate production method, type of gift certificate, etc.), in the gift certificate production system 10a, the transmitted data is computerized and reflected in the production system to emboss the gift certificate. Is done.

At this time, the main information of the debit card voucher, the card number formula voucher issuance number, expiration date, issue date, issued amount, voucher type code, password (indicated as 0000 if not available), etc. Or it is embedded in a barcode or IC chip and attached to a paper or plastic gift certificate to produce a debit card gift certificate that can be used in all debit card merchants.

The consumer can use the debit card voucher after checking whether the voucher selected by the user is correct. The card gift certificate may be a department store gift card debit card gift certificate, or may be a business card type debit card gift certificate.

As described above, if the voucher issuing number is logiced by the card number method, it is possible to secure computerization and electronic commerce functions of the voucher distribution and refining industry. In addition to the production of gift cards and coupons in the form of plastic cards, IC chips, and magnetic cards, in the production of paper gift certificates and coupons, it is possible to apply the barcode or magnetic strip embedded with the above issued information to computerize the distribution of gift certificates and industry. Can be increased.

In addition, according to the method for operating a card gift certificate according to the present invention, it can be utilized as a payment means of electronic commerce of gift certificates and coupons.

For example, in the case of a debit card, the e-commerce payment function is authorized in all domestic and foreign shopping malls, and the logic of debit card number of coupons and coupons is debited by debit card number method, and the main issue information (issue number, expiration date, By attaching a barcode or magnetic strip with embedded issuance amount, password, and issue date to a gift certificate (coupon) and developing the operating system of the gift certificate in the same way as a debit card, the same e-commerce transaction as a debit card is possible. Secure the function.

In addition, by applying the rapidly developing mobile communication device and mobile e-commerce technology, the gift voucher function can be secured as a mobile e-commerce means by transferring major gift certificate information and gift certificate images from the issuer to the mobile communication device of the consumer. Can be.

8 is a block diagram illustrating a structure of a card gift certificate operating system in which a method of operating a debit card gift certificate according to the present invention is performed.

Referring to FIG. 8, the card gift certificate operating system in which the debit card gift certificate operating method according to the present invention includes a bank server 80. In addition, the bank server 80 is a gift certificate sales management unit 802, gift certificate issuing unit 804, customer database 806, approval database 808, gift certificate approval unit 810, gift certificate pre-registration unit 812, additional gift certificate The management unit 814, the loss / forgery management unit 816, and the merchant management / settlement unit 818. In addition, the bank server 80 is connected to the communication network 82.

On the other hand, the affiliated store server 84a is connected to the communication network 82. Alternatively, the merchant terminal 84a may be connected to the VAN company server 84b, and the VAN company server 86 may be connected to the bank server 80 through the communication network 82. In addition, the customer computer 87 and the gift certificate charging station server 88 are connected to the bank server 80 via the communication network 82.

9 is a flowchart illustrating main steps of the method for operating a debit card gift certificate according to an embodiment of the present invention performed in the card gift certificate operating system of FIG. 8. 9 is often referenced below.

Referring to Figure 8, the operation of the card gift certificate operating system is performed card voucher operating method according to the present invention. The gift certificate sales management unit 802 and the gift certificate issuing unit 804 provided in the bank server 80 are substantially identical to the bank server 10 that issued the gift certificate card and the bank server 80 that operates the issued gift certificate card. It is shown for the purpose of illustration, and the operation thereof is also the same as that of the gift certificate sales management unit 102 and the gift certificate issuing unit 104 described with reference to FIG.

First, a customer holding a debit card voucher presents a card voucher issued according to the method described with reference to FIG. 1 in order to use and pay the debit card merchant, and the debit card merchant stores the presented card voucher at the merchant terminal ( 84b), issuance information read from the card gift certificate is sent to the VAN company server (step 902).

Alternatively, it is possible to apply for an inquiry by entering the card number presented by the customer and the resident registration number of the customer directly from the merchant server 84a. Next, the bank server 80 receives the issuance information through the VAN company server 86 and the communication network 82 (step 904).

The loss / forgery management unit 816 checks whether the gift certificate is lost or forged using the customer information stored in the customer database and the issued issue number (step 906). If the gift certificate presented in step 906 is identified as not being lost or forged, the gift certificate approval unit 810 performs a gift certificate inquiry (step 908).

In addition, the gift certificate approval unit 810 identifies whether the gift certificate inquiry result has been normally approved in step 908, and sends an approval message if it is normally approved (step 912). In addition, the approval status is stored in the approval database 808.

Next, the merchant checks the approval message, outputs the approved sales slip and pays the goods / service (step 914). Next, the merchant sends a payment request for the card gift certificate, so that the bank server 10 receives the payment request (step 916). Merchants can request payment to the bank through the submission of computerized data or sales slips based on the voucher sales slip.

Next, when the payment request is received, the merchant management / settlement unit 818 checks whether the merchant is normal and the payment condition (step 917), and if the merchant is checked as normal, pays the price according to the specified payment condition. (Step 918).

That is, in step 917, the merchant voucher sales history and whether the merchant is normal, and the merchant payment conditions such as merchant fee, bonus point fee, account number, payment cycle, etc. In 918, payment is made using firm banking to the merchant account according to the specified conditions.

8, it is shown that the voucher charging station server 88 is connected to the communication network 82. Such a connected IC chip may be used in the case of issuing a rechargeable gift certificate.

As shown in the example of the transportation card currently in circulation, a card merchant having a separate terminal device with a charging function or a separate issuer designated place pays the amount to be charged by cash or debit card and requests the recharge. By using a terminal with a charging function, the value of the gift certificate can be recharged after recharging within the range of the issue amount (limit) set by the purchaser of the rechargeable gift certificate.

Such rechargeable gift cards may be used as a means of giving gifts or allowances to family members rather than general gifts.

Next, the additional gift certificate management unit 814 processes the lottery and prize payment event and notifies the customer computer 87 of the processing result (step 920). This service is made when the card voucher presented by the customer is identified as a value-added gift certificate with additional service functions such as lottery drawing, sweepstakes, discounts, and points earning.

Members apply for a gift certificate approval number through ARS or internet network for lottery and prize lottery event, or perform additional service through the lottery and prize lottery automatically at a certain point after sale for a certain period of time. In the case of using the gift certificate, the relevant merchant may provide the service of the supplementary gift certificate to the consumer by reflecting the data considering the discount and the points accumulated after providing the on-site service at the point of purchase or when the gift certificate is approved for normal use.

In this case, the customer can also purchase by utilizing various points accumulated on the personal debit card, thereby increasing the convenience of the consumer. In addition, it is possible to purchase gift certificates and coupons by utilizing various points of the debit card held by the debit card member.

This means that if a consumer with a certain level of debit card points goes to a merchant that can purchase points specified by the bank (or an issuer affiliated with the bank), he or she indicates that he or she intends to purchase vouchers and coupons with the points. By requesting approval for the purchase of a gift certificate through points in a promised manner, the bank checks whether the purchase using the points is possible and then notifies the relevant point affiliate store of the approval message data to purchase the gift certificate through the points.

This point earning service can be used to earn and use the points by computerizing the points to the first purchaser, not the holder of the gift certificate, using the bank's point earning system. It can be decided by consultation.

In the case of discount service, the distributor provides the service immediately by requesting the bank to approve the discounted amount in advance, and the bank charges the normal sales amount and the bank balances the gift certificate. Both methods can be used to deduct the discount amount and reflect the calculation.

Next, the affiliated store management / settlement unit 818 calculates the cost according to the result of the lottery and event processing. On the other hand, when the gift voucher inquiry is not normally approved in step 910 by sending a rejection message (step 530) it is possible to prevent the use of the lost or stolen card.

10 is a flowchart illustrating a refund processing process for a card voucher issued according to the method for operating a debit card voucher according to the present invention. According to the method for operating a card voucher according to the present invention, the purchaser of the gift voucher or the holder who received the gift as a gift from the voucher can use the wired / wireless telephone, ARS, or the Internet to refund the voucher settlement system of the gift voucher or the authorized bank. This can be done directly or through a bank or cash dispenser, or through your retailer, for example, a card merchant.

That is, when the refund request for the remaining balance is sent through the card merchant server 84a, the bank server 80 receives the refund request (step 1002). A request for a refund may be made by entering data in a sales segment with a pre-defined refund authorization code (eg, "99").

When the refund request is received, the bank server 80 identifies the refund suitability (step 1004) to identify whether the refund can be approved (step 1006). The conditions for the approval of refund are 100% refund regardless of the balance when purchasing a debit card voucher by cash, for example, 60% is more than 10,000 won and 80% is less than 10,000 won when purchasing a debit card as a debit card. In case of abnormal use, it can be set as refundable.

In addition, during the refund approval process, computerized checks for lost, stolen, and forged gift certificates. If it is identified in step 1006 that the refund can be approved, a refund approval message is sent (step 1008), and a refund processing is performed (step 1010).

Refund processing is initially performed by the bank or issuer with reference to key issuance information for the card voucher or coupon that requested the refund and the customer's information stored in the customer database 806 when the debit card voucher or coupon consumer requests the refund directly. It is possible to transfer the refund to the account of the party requesting the refund in accordance with the promised refund criteria.

In addition, if a refund request is made through a merchant, the distributor immediately refunds the cash to the consumer immediately after receiving the refund request, and if the refund amount is charged to the issuer or bank, the issuer (bank) It is possible to settle the refund amount according to the same method and standard.

In this case, since the merchant has processed a refund to the customer, the merchant sends a request for payment to the bank for the refunded amount. The payment request may be sent through the merchant server 84a.

Thus, the bank server 80 receives the payment request for the refunded amount (step 1012), when the payment request for the refunded amount is received, the merchant management / settlement unit 818 checks whether the merchant is normal and the refund criteria ( Step 1014), a refund is paid (step 1016).

Merchant fees for refunds may be determined separately by the issuer (bank). Bank server 1018 now suspends use of the gift certificate (step 1018) and stores its contents in authorization database 808. On the other hand, if it is identified in step 1006 that the refund cannot be approved, then a refund message is sent (step 1020) to not process the refund.

11 is a flowchart illustrating a lost, stolen, damaged, forgery / falsification report, and inquiry process for a card voucher issued according to the method for operating a debit card voucher according to the present invention.

First, if a lost, stolen, forgery / falsification report, and inquiry are received through the merchant server 84a, the merchant terminal 84b, and the customer computer 87 (step 1102), the buyer information is checked and then lost, stolen, or damaged. , File a forgery / falsification report (step 1104). Receiving through the step 1104 preferably includes the step of confirming the location and time of the lost (theft) of the voucher, the issue information such as the voucher issuance number or the social security number, name, etc. of the buyer of the voucher.

Next, if the loss / forgery management unit 816 receives a lost, stolen, damaged, forgery / forgery report, and performs a discontinuation process for the gift certificate (step 1106). In other words, the system automatically reflects the report details and automatically stops the use of the gift certificate immediately in order to prevent accident sales and protect consumers.

Next, when the inquiry is received, a message indicating whether the receipt number and the corresponding gift certificate is normal is sent (step 1108). Next, the bank server 80 processes the loss compensation or reissue according to the compensation or reissue criteria and methods when the gift certificate is lost, stolen or damaged (step 1110).

That is, according to the above method, after the buyer or holder of the gift certificate and the coupon recognizes the loss or theft, and requests for gift certificate loss, theft, damage, forgery report and inquiry to the gift certificate issuer (bank) using the Internet or ARS network. do.

The Internet or ARS report reception through the system should be operated 24 hours a day, 365 days a week, it is more preferable to prepare for a system failure by having a plurality of systems.

The issuing company (bank) can immediately suspend the function of the gift certificate upon receipt of the report, and compensate the consumer damage according to the previously agreed compensation standards and procedures.

Reissues resulting from the breakage of gift certificates and coupons can also be reissued in accordance with the above criteria and procedures for reissue of damages. According to the card product right management method as described above, by applying the debit card loss, damage report acceptance and card reissue, compensation processing system to receive the report, loss, theft, damage of the gift card and coupon, compensation processing, reissue system through There is an advantage in that it can reasonably compensate consumers' damage and increase their rights.

12 is a flowchart illustrating a procedure for granting and confirming a password for each gift certificate for a card gift certificate issued according to the method for operating a debit card gift certificate according to the present invention. The service according to FIG. 12 corresponds to a case where a gift certificate having a buyer-specified password is provided (step 1202).

First, a request for approval to use a gift certificate is received from a purchaser or a holder of a gift certificate (1204). Next, the gift certificate use approval is processed according to the received approval request (step 1206). Next, if the gift certificate use approval is normally processed in step 1206, an approval message is transmitted (step 1208). Here, before the approval request is received from the customer in the gift certificate pre-registration unit 812, the approval of use of the gift certificate should be automatically blocked in all affiliate stores.

In the case of following these procedures, the gift voucher purchaser or holder may use the voucher after registering the preemptive approval based on the password of the voucher. At this time, in order to increase the safety of the use of gift certificates, it is also possible for consumers (buyers or holders) to connect to the pre-registration system and request an approval for use.

Figure 13 schematically illustrates the configuration and operation method of the debit card gift certificate payment system according to the present invention. The debit card merchant requests the gift certificate presented by the customer to check the balance and request for approval through the approval terminal 1301. The bank computer 1302 notifies the request and approval of the transaction through the approval terminal.

14 schematically illustrates a configuration and operation method of a debit card gift certificate balance exchange system through an internet network according to the present invention.

When a debit card gift certificate holder requests a refund through the Internet network (1401), enters a gift voucher number and password on the gift voucher refund page (1402), checks the balance, and enters the customer's refund deposit account (1405). Do it.

If the bank computer confirms the approval and if the refund request is legal, the bank computer transfers the balance to the customer's deposit account (1409) and discontinues the use of the gift certificate. Send rejection message.

Figure 15 illustrates the difference between the merchandise affiliated with the debit card voucher issuer and the purchase discount benefits of the general debit card merchant according to the present invention. The discount card function was added to reduce the functional decline of the gift certificate, which is an inherent function of the purchase of goods due to the 100% balance refund, which is a characteristic of the company that cooperates with the textile card gift certificate issuer.

As described above, according to the method of operating the debit card gift certificate based on the debit card system according to the present invention, it is possible to distribute the gift certificate in the general debit card and point accumulation merchant. It is also possible to distribute gift certificates using the Internet, mobile phones, and ARS phones. In addition, a gift voucher settlement and refund system using a card merchant payment system is operated. In addition, a gift certificate and coupon sales system utilizing various points is operated.

In addition, it is possible to operate an affiliated gift certificate (coupon) issuance and distribution system to which additional service functions such as discount and point accumulation are granted. In addition, it is possible to operate the system for receiving gift vouchers and coupons lost, stolen, damage report and compensation. In addition, it is possible to operate a gift certificate and coupon forgery and alteration prevention system.

In addition, it is possible to operate a voucher and coupon issuing system with a barcode and magnetic stripe (MS), a rechargeable voucher issuing system using an IC chip, and a card number voucher issuing number management system.

In addition, according to the debit card gift certificate operating method based on the debit card system according to the present invention, it is possible to prevent the forgery / falsification of the gift certificate and coupon.

Card voucher operating method according to the present invention, by using the debit card issuance and limit approval, loss report, accident sales prevention system, etc., as well as the prevention of forgery and forgery in the design of vouchers and coupons and printing techniques, consumers and distributors, In the system that can immediately check whether the forgery of the gift certificate and coupon using the ARS, the Internet can be checked for forgery / modulation of the gift certificate and the coupon, the counterfeiting effect can be enhanced.

In addition, the card gift certificate operating method according to the present invention as described above can be improved in the method of producing a gift certificate and coupon. For example, in the conventional paper voucher making process, a barcode or magnetic strip containing key issuance information such as the issue amount, issue number, expiration date, password, and issue date of the gift voucher is attached to facilitate the settlement of the voucher. It can increase the anti-counterfeiting effect.

Alternatively, the card voucher operating method according to the present invention can increase the convenience of using the voucher and reduce resources by producing a rechargeable voucher using an IC chip, such as a traffic card.

In addition, according to the card gift certificate operating method according to the present invention as described above, it is possible to expand the distribution range of the gift certificate and coupon.

Currently, debit card merchants are rapidly spreading in accordance with the government's policy to activate debit cards. Currently, the number of merchants by banks exceeds 1 million points per bank, which is distributed by operating gift certificates (coupons) that can be used at debit card merchants. The range can be expanded dramatically.

In addition, using the point merchants of the bank can provide a variety of value-added services, such as points, discounts, prizes, lottery, in addition to purchasing goods and services using vouchers and coupons.

In addition, according to the method for operating a card voucher according to the present invention, issuing and operating gift certificates and coupons based on the debit card method, including the use authorization by the card number, and payment settlement, etc. It is effective to secure.

In addition, according to the method for operating a card gift certificate according to the present invention, since it is possible to easily utilize the recently developed mobile Internet function in addition to the offline affiliated banks, affiliated merchants, Internet sales method that is a general distribution path of the conventional gift certificates and coupons. Pioneer new mobile sales channels.

In addition, according to the card voucher operating method according to the present invention, discounts on purchase of goods or services at a store determined by the production of a gift certificate and coupon separately contracted through a separate partnership between the issuer of the gift certificate / coupon and the production, sales of the goods or services It is possible to secure various additional service functions such as points, points, lotteries and sweepstakes.

In addition, the card vouchers issued according to the card voucher operating method according to the present invention for the purpose of distribution in the debit card merchants that are rapidly increasing throughout the country, the current merchant bank fees and merchant payments by using the debit card between the merchants Since contracts and related systems on the period, payment standards and methods are developed and operated, the vouchers are produced and issued by applying the card-type distribution and payment method, and the contract conditions for the distribution of the vouchers are the same as those when using the card. By applying it, it is possible to distribute gift certificates and coupons at a debit card merchant without a separate contract.

Also, in general, when a debit card merchant charges a bank for the bank on the basis of the debit card sales slip or the card sales data used by the card member, the bank contracts the amount that deducts the merchant fee that is contracted with the merchant in advance. According to the method and the standard used to transfer the card payment to the contracted bank account of the merchant after the computer check, according to the method of operating the card gift certificate according to the present invention carried out based on the debit card system, debit card sales settlement It is possible to computerize the payment settlement of gift certificates and coupons using the same method and system.

In addition, according to the card voucher operating method according to the present invention, since the system of the debit card is based, by using the voucher issuance number, issued amount, expiration date, issue date, password, etc. When a retailer asks a bank to approve a gift certificate, or when a refund is requested, it can automatically check whether the gift card is a normal gift certificate.

In addition, it is possible to improve the distribution safety of gift certificates by using a system that inquires and guides whether consumers or merchants have lost, stolen or forged gift certificates using wired / wireless phones, ARS, or the Internet in advance.

In addition, according to the card voucher operating method as described above, the issuer of the gift certificate and coupons through the affiliated gift certificate contract with a specific producer and distributor to provide an affiliated gift certificate that includes additional service functions, such as discounts or points accumulation, lottery tickets and sweepstakes Issuance can promote voucher distribution and increase profits.

In addition, the card voucher operating method according to the present invention as described above allows to issue and operate a new concept gift certificates and coupons based on the debit card merchant and operating system (limit approval, loss report, payment of the merchant fee, etc.).

Card vouchers issued according to the above method can be used in card merchants that are distributed in a large scale to ensure the best versatility and convenience, limit the debit card, telephone / Internet cash service, merchant payment, card loss The best distribution convenience and safety can be secured by using the reporting and compensation system.

Moreover, the electronic commerce payment is freely available in shopping malls around the world, rather than in some affiliated shopping malls, by way of managing the card number type gift certificate issuance system and granting passwords for each gift certificate.

In addition, according to the method for operating a card voucher according to the present invention, merchants in the gift voucher and coupon settlement system separately developed by the issuer (bank) using ARS, wired and wireless phones, the Internet, the card approval terminal in the same way as when debit card approval Gift vouchers and coupons can be distributed by way of receiving approval for the use of vouchers through coupons.

For reference, the project can be implemented in a joint way through a comprehensive business alliance between the gift card issuer, which is the issuer of the debit card gift certificate and the coupon, and the bank.

In addition, the sale of card vouchers and coupons can be as convenient as possible through the separate branches of the bank branches, department stores, gas stations, convenience stores, such as purchase convenience and public credit card merchants, banks and the like.

In addition, the card voucher operating method according to the present invention as described above can be written as a program executed in a personal or server-class computer program code and code segments constituting the program can be easily by the computer programmers in the art Can be inferred.

The program may also be stored in a computer readable recording medium. The recording medium includes a magnetic recording medium, an optical recording medium, and a propagation medium.

As described above, according to the present invention, a consumer who receives a gift certificate through a 100% balance refund has a reduced tendency to purchase a product regardless of a purchase intention of a product.New gift certificates and coupons that compensate for consumer protection and forgery risk, etc. It provides a method of operating a debit card gift certificate that can be satisfied with the issuer or bank, merchants, and consumers.

Claims (31)

(a) receiving order information including selection information about a card voucher to be issued from a customer computer; And (b) a debit card gift certificate based on a debit card system, comprising the step of: producing a card voucher logicalized by the card number method as a card number type card gift certificate according to the received order information; How to operate. The method of claim 1, (c) receiving issuance information read from the card voucher; (d) using the customer information stored in the customer database and the issued issue number to check whether the voucher is lost or forged; (e) performing a gift voucher inquiry if the presented gift voucher is identified as not being lost or forged; And (f) identifying whether the gift certificate inquiry is normally approved and if the approval is normal, sending an approval message. The method of operating a card gift certificate based on a debit card system further comprising. The method of claim 2, (g) the merchant checking the approval message, outputting the approved sales slip and paying the goods / service; (h) the debit card merchant accepting the payment request at the bank server by sending a payment request for the card gift certificate; (i) checking whether the merchant is normal and the payment terms if the payment request is received; (j) if the merchant is checked to be in a normal state, the payment step according to the specified payment conditions; further comprising the method of operating a card gift certificate based on a debit card system. According to claim 1, wherein step (b), (b-1) generating gift certificate issuance information data based on the order information; and (b-2) generating the issuance information including the card number type gift certificate issuance number using the generated gift certificate issuance information data; and a debit card gift certificate operating method based on the debit card system. The method of claim 4, wherein the gift certificate issuance information data, A method of operating a debit card gift certificate based on a debit card system, characterized in that it includes data indicating a voucher issuance date and an expiration date. According to claim 1, Before the step (a), (pa-1) A method of operating a debit card gift certificate based on a debit card system, further comprising providing a card gift certificate selection menu to a customer. The method of claim 1, wherein the selection information, A method of operating a debit card gift certificate based on a debit card system, characterized by including information on the amount and number of cards issued. The method of claim 1, wherein the selection information, A debit card gift certificate management method based on a debit card system, characterized in that it includes information on the design of the gift certificate that the customer wants to be issued. The method of claim 1, wherein the selection information, A method of operating a debit card gift certificate based on a debit card system, comprising information on an issuance amount arbitrarily determined by a customer and the number of issuances of a gift certificate of a predetermined amount. The method of claim 1, wherein the selection information, The selection information may be a general debit card voucher without additional services, a point- earning affiliate voucher for a particular merchant, an affiliate voucher for paying a prize after the lottery lottery based on a gift voucher approval number, and a gift voucher with an offline (off-line) combined gift certificate. Based on the debit card system, which includes information on the type of gift voucher desired by the customer from among the on-line gift vouchers, which are not real, as e-commerce vouchers including mobile internet transactions as well as general PCs. Card gift certificate operation method. The method of claim 1, wherein the selection information, A method of operating a card voucher based on a debit card system, characterized in that it includes information on the scope of use of the voucher to be issued. The method according to claim 1, wherein the selection information is A method of operating a card gift certificate based on a debit card system, characterized in that it includes information on the type of gift certificate production. The method of claim 12, wherein the gift certificate production form, A method of operating a card voucher based on a debit card system which is selected from a paper magnetic stripe (MS) voucher, a plastic magnetic stripe (MS) voucher, a rechargeable IC voucher, and an electronic money voucher. The card voucher of claim 1, wherein A card voucher operating method based on a debit card system, characterized in that the department store card type gift card or business card type gift card including a magnetic strip and a barcode. The method of claim 2, wherein before step (c), (c-1) a member entering a password of a gift certificate; the method of operating a card gift certificate based on a debit card system further comprising. The method of claim 15, wherein the procedure for assigning and confirming a password for each gift certificate is limited to the issuer in advance for use of a specific electronic commerce in terms of distribution of the gift certificate. The method of claim 1, wherein the selection information, A method of operating a card gift certificate based on a debit card system, characterized in that it includes selection information on a payment method. 18. The card gift certificate operation based on the debit card system according to claim 17, wherein when cash is selected as the selection information, management information including at least a name, resident number, telephone number, address, and the like is received and managed. Way. The method of claim 1, Receiving the delivery information including the address for receiving the card voucher; Card voucher operating method based on the debit card system further comprising. The card voucher of claim 1, wherein Card vouchers based on the debit card system, comprising a number field of the debit card to secure computerization and electronic commerce functions of the gift certificate distribution and refining industry, and a number field that distinguishes the type of gift vouchers or coupons. Operating method. The card voucher of claim 1, wherein In order to secure the computerization and electronic commerce functions of gift voucher distribution and industrial affairs, the number of debit cards is included, and at least the voucher issuance history is divided into first issue, lost reissue, stolen reissue, damaged reissue, and second lost reissue. Card gift certificate operating method based on the debit card system, characterized in that it comprises a number area. The method of claim 1, wherein the number area, A method of operating a card voucher based on a debit card system, comprising a number field divided into a voucher with a password and a voucher without a password. The method of claim 1, A method of operating a card gift certificate based on a debit card system, further comprising the step of producing a card gift certificate through a debit card gift certificate manufacturing process including an embossing operation according to the received order information. The card voucher of claim 1, wherein It is a paper or plastic gift certificate embedded in a barcode or an IC chip, such as card number-type gift certificate issue number, expiration date, issue date, issue amount, gift certificate type code, password, etc. Card voucher management method based on the debit card system. The card voucher of claim 1, wherein Card voucher operating method based on the debit card system, characterized in that the issued information is stored in a barcode or magnetic stripe. The method of claim 25, wherein after step (f), (f-1) storing the approval status in the approval database. The method of operating a card gift certificate based on a debit card system, further comprising. The method of claim 26, wherein step (i), (i-1) computer-checking the merchant voucher sales history and whether the merchant is normal, and the merchant payment conditions such as merchant fee, bonus point fee, account number, and payment cycle; And (i-2) if it is checked that there is no other abnormality in the step (i-1), paying the fee using the firm banking to the corresponding merchant account according to a specified condition; a debit card system comprising the How to operate a card voucher based. The method of claim 1, And processing the lottery and prize payment event and notifying the processing result to the customer computer. The method of operating a card gift certificate based on a debit card system. The method of claim 1, Identifying whether the card gift voucher presented by the customer is an additional gift voucher having an additional service function such as a lottery draw, a sweepstakes draw, a discount, or earning points; And The member applies the gift certificate approval number to the lottery and prize lottery event through ARS or Internet network, or performs additional services through the corresponding lottery and prize lottery automatically at a specific time after selling for a certain period of time; Card voucher management method based on the debit card system. The method of claim 29, A method of operating a card gift certificate based on a debit card system, characterized in that it further comprises the step of calculating the cost according to the result of the lottery and event processing. Balance refund system for debit card gift certificates