KR20050011562A - System for floatating and processing of international gift certificate and method therefore - Google Patents

Abstract

The present invention provides an international gift certificate issuing and processing system and method for issuing international gift certificates for different countries of the world with different monetary units to enable international currency in the home country and other countries. To this end, the present invention is distributed in countries around the world where international gift certificates are available, and a number of gift certificate issuing means for issuing an international gift certificate having a predetermined amount and containing internationally recognized gift certificate information, and distributed in countries around the world. In addition, a number of gift voucher inquiry means for inquiring the gift voucher information of the international voucher issued through the gift voucher means of his or her country or other countries to be able to settle payments for the purchase of goods or the use of paid services, A plurality of gift certificate management means for providing an internationally recognized gift certificate information to each of the gift certificate issuing means so that an international gift certificate can be issued and allowing payment of a gift certificate amount according to the international gift certificate inquiry of each gift certificate inquiry means. A product that performs the gift certificate authentication process in response to an inquiry request from the inquiry means And a main management means for collectively managing gift certificate information on international gift certificates of the countries of the world managed by the plurality of gift certificate management means.

Description

International gift voucher issuing and processing system and method thereof {SYSTEM FOR FLOATATING AND PROCESSING OF INTERNATIONAL GIFT CERTIFICATE AND METHOD THEREFORE}

The present invention relates to an international gift certificate issuing and processing system and method thereof, and more particularly, to an international gift certificate issuing and processing system and method for issuing and distributing domestic and internationally available gift certificates.

In general, a gift certificate is a type of bearer securities that, when an issuer issues and sells a gift certificate to the ground, promises to the holder of the gift certificate the type of goods or intangible paid services corresponding to the value stated in the gift certificate. This is to classify by type of issuer or by type of issue.

These types of gift vouchers are categorized by the issuer and the provider of the goods or services, and the self-issued gift vouchers are issued to the goods or services produced and sold by the issuer themselves. As a form, it is mainly divided into a third-party issuance type gift certificate in which a publisher and a provider enter into a certain contract and receive a product or a paid service at a merchant.

In addition, the types classified by the issuance form of the gift certificate are to provide various kinds of goods or paid services corresponding to the amounts stated on the voucher of the gift voucher. It is possible to purchase only merchandise, which is divided into merchandise vouchers similar to exchange vouchers, and service vouchers that allow users to use only certain paid services described in the vouchers.

On the other hand, such a gift certificate is an efficient way to use it as a marketing tool or to increase sales by issuing a gift certificate when an individual or a company that sells a product or a paid service wants to market a gift certificate on a small budget or needs to secure short-term funds. It is possible.

However, such a conventional gift certificate can be limitedly used only in the country where the same currency is applied, and it is inconvenient that it is impossible to use a gift certificate issued in the home country in other countries where the currency of the country cannot be used.

In addition, although traveler's checks are currently accepted as a means of being applicable as a general currency in other countries, these traveler's checks can be used only in foreign countries instead of being free to exchange money so that payments of various goods or paid services can be made in other countries. However, it is not possible to use it in the country, and the use of the traveler's checks requires the presentation of handwritten signatures and identification cards, and the disadvantage of having to pay a fee when purchasing traveler's checks.

Therefore, in recent years, it is urgently necessary to realize a new concept of gift certificate development and distribution system that can freely use a gift certificate that can only be used in Korea domestically and abroad as well as to bear the burden of the commission at the time of purchase. It is true.

Accordingly, the present invention has been made in view of the above-mentioned conventional circumstances, and an object thereof is to issue an international gift certificate for an international currency in a country or another country by issuing an international gift certificate for a different country of the world with different monetary units. It is to provide a processing system and method thereof.

It is another object of the present invention to provide an international gift certificate issuing and processing system and method for issuing a card type gift certificate in which gift voucher information can be electrically recorded to enable international currency in the home country and other countries.

Still another object of the present invention is to issue a gift card information voucher that can be recorded electrically, recharging a repetitive amount of money, and issuing international vouchers to enable international currency and recharge in the country and other countries. It is to provide a processing system and method thereof.

1 is a view schematically showing an information processing flow for an international gift certificate issuing and processing system according to a first embodiment of the present invention;

2 is a diagram showing the configuration of an international gift certificate issuing and processing system according to a first embodiment of the present invention;

3 is a view showing a detailed configuration of the gift certificate query shown in FIG.

4 is a flowchart for explaining the operation of the international gift certificate issuing and processing method according to the first embodiment of the present invention;

5 is a view schematically showing an information processing flow for an international gift certificate issuing and processing system according to a second embodiment of the present invention;

6 is a diagram showing the configuration of an international gift certificate issuing and processing system according to a second embodiment of the present invention;

7 is a view showing a detailed configuration of the gift certificate query shown in Figure 6,

8 is a flowchart illustrating the operation of the international gift certificate issuing and processing method according to the second embodiment of the present invention;

9 is a view schematically showing an information processing flow for an international gift certificate issuing and processing system according to a third embodiment of the present invention;

10 is a diagram showing the configuration of an international gift certificate issuing and processing system according to a third embodiment of the present invention;

11 is a view showing a detailed configuration of the gift certificate issuing / charger shown in FIG.

12 is a view showing a detailed configuration of the gift certificate query shown in FIG.

13 is a flowchart for explaining the operation of the international gift certificate issuing and processing method according to the third embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

10,50,70: Gift certificate, 12,52,72: Main server,

14,54,74: main gift certificate information database, 16,56,76: main authentication server,

18, 58, 78: exchange rate information providing server, A1 to An, F1 to Fn: gift vending machine,

B1 to Bn, G1 to Gn, L1 to Ln: Gift certificate inquiry machine,

C1 to Cn, H1 to Hn, M1 to Mn: gift certificate management server,

D1-Dn, I1-In, N1-Nn: Gift certificate information database,

E1-En, J1-Jn, O1-On: Gift certificate authentication server, K1-Kn: Gift certificate issue / charger.

In order to achieve the above object, according to the present invention, a certain amount of money is set at the time of issuance of the gift certificate, and provides an international gift certificate comprising an information recording unit containing internationally recognized gift certificate information.

In addition, according to the system of the present invention for achieving the above object, a number of issuing international gift certificates distributed in the countries of the world that can accept the international gift certificate, a certain amount of money is set and contains internationally recognized gift certificate information Inquiries on the purchase of goods or the use of paid services by inquiring the gift voucher information of international vouchers issued through the means of issuing the vouchers of the vouchers and the international vouchers that can be used internationally. A plurality of gift certificate retrieval means, the plurality of gift certificate issuance means and the gift certificate inquiry means are provided in the countries of the world distributed, the international gift certificate by providing internationally recognized gift certificate information to each of the gift certificate issuance means Gift voucher according to the international voucher inquiry of each gift voucher Gift certificate authentication means for managing the gift certificate management means to enable the payment of the number, and the certificate information of the international gift certificate issued by the plurality of gift certificate issuing means, and performs the gift certificate authentication process in response to the inquiry request of the gift certificate inquiry means And, it provides an international gift certificate issuing and processing system comprising a main management means for collectively managing the gift certificate information for the international gift certificates of the countries of the world managed by the plurality of gift certificate management means.

In addition, according to the method of the present invention to achieve the above object, a predetermined amount is set, issuing international vouchers containing internationally recognized voucher information is sold to the buyer, and the buyer of the international vouchers The step of making a request for payment of the purchase of goods or the use of the paid service in the international gift certificate at the merchants of other countries, the gift certificate information means in the gift certificate inquiry means equipped in the domestic or foreign merchants through the gift certificate information contained in the international gift certificate In the step of authenticating, converting the local amount by applying the current exchange rate of the country or another country with respect to the amount set in the international gift certificate, and performing the payment for the purchase price of the product or the use of the paid service, and in the merchant Collect international gift certificates that have been paid and submit them to financial institutions It provides a vouchers issued by the International and process characterized in that comprising the step of exchanging the local currency.

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

That is, FIG. 1 schematically illustrates an information processing flow for an international gift certificate issuing and processing system according to a first embodiment of the present invention.

As shown in FIG. 1, according to the international gift certificate issuing and processing system of the present invention, in a domestic gift certificate issuing system located in a country of a gift certificate buyer, a specific amount of a gift certificate is determined for a gift certificate issuer that directly issues a gift certificate in the country. Issuance is allowed.

Here, the voucher issuing machine is preferably installed in a merchant or various financial institutions that provide a specific product or a paid service, the international voucher issued by the voucher is issued from the domestic voucher issuance system, the serial number, gift certificate information Is received and recorded on the ticket in the form of an encryption mark such as a barcode.

The domestic gift certificate issuing system registers whether a gift certificate is issued by providing the gift certificate information of the international gift certificate issued through the gift certificate issuing machine of the affiliated store to the global gift certificate issuance management system. Through the online network, it will be connected with the global gift voucher system and gift voucher management system to manage the global vouchers issued and distributed worldwide.

In this state, the gift voucher purchases a gift voucher from a gift voucher, and moves to another country with the purchased international gift voucher to pay for the purchase of a specific product or the use of a paid service at a merchant affiliated with a product or a paid service located in another country. You will be asked to pay an international gift card for the amount charged.

The gift voucher is installed in the merchants of the other country to obtain the gift certificate information from the international gift certificate held by the gift voucher purchaser who purchased a specific product or paid service, and to request the gift certificate authentication inquiry to the foreign gift certificate management system, the foreign gift certificate management system The global gift certificate issuance management system requests the certification of the gift certificate.

Accordingly, the global gift certificate issuance management system provides authentication information of the gift certificate and exchange rate information in the corresponding country based on the information of the international gift certificate registered by the domestic gift certificate issuing system according to the gift certificate authentication request from the foreign gift certificate management system. Done.

The gift certificate management system of another country sets the amount of the international gift certificate based on the current exchange rate information provided from the global gift certificate issuance management system to process the purchase and payment of the product or the paid service by the gift certificate.

Subsequently, the affiliated store that has made a purchase payment through the international gift certificate will present the international gift certificate to a financial institution and exchange it for its currency through the exchange process. The exchange rate at the time of payment of the gift certificate can be applied. On the other hand, the exchange fee for the international gift certificate is to be paid in a concept similar to the affiliate fee at the merchant.

The international gift certificate that has been exchanged through the financial institution is finally disposed of.

Next, FIG. 2 is a diagram showing the configuration of the system for issuing and processing international gift certificates according to the first embodiment of the present invention.

As shown in FIG. 1, the international gift certificate issuing and processing system according to the first embodiment of the present invention includes an international gift certificate 10, a plurality of gift certificate issuers A1 to An, and a plurality of gift certificate inquiry machines B1 to B. FIG. Bn), a plurality of gift certificate management servers C1 to Cn, a gift certificate information database D1 to Dn, a plurality of gift certificate authentication servers E1 to En, a main server 12, a main gift certificate information database 14, and main authentication. The server 16, the exchange rate information providing server 18 is configured.

The international gift certificate 10 may include actual amount information that functions as the value of the gift certificate, a serial number of the gift certificate, classification information of the gift certificate (for example, a subject (self-issued or a third-party issuance type) or issuance form of the gift certificate). Information on the amount of money vouchers, merchandise vouchers, service vouchers) is printed in the form of cryptographic markers such as bar codes, etc., and the amount of goods or paid services is paid at relevant merchants in the country where the voucher is issued, as well as in other countries. Distribution is possible as a means.

The plurality of gift certificate issuers (A1 to An) are provided in a plurality of merchants or financial institutions that provide various products or paid services distributed worldwide, and each gift certificate management server is provided through a value-added network operated in each country. In connection with C1 to Cn, gift certificate information is provided from the gift certificate management servers C1 to Cn, respectively, to issue an international gift certificate 10 of the ticket and sell it to the buyer.

The plurality of gift certificate inquiry machines (B1 to Bn) are provided in a plurality of affiliated stores distributed around the world, and are connected to each gift certificate management server (C1 to Cn) through a value-added network operated in each country, to allow gift certificate buyers. If a user wants to perform a payment for a specific product or a paid service through an international gift certificate, the gift certificate information included in the relevant international gift certificate 10 is read and the gift certificate management server C1 to CN and the gift certificate authentication server E1 to En) requests for gift certificate verification, receives the certificate result and exchange rate information of the gift certificate and converts the amount of the relevant international gift certificate into the exchange rate of the corresponding country to set the amount, and settle the amount at the merchant based on the determined amount To perform.

The plurality of gift certificate management servers C1 to Cn are respectively installed in countries around the world capable of issuing and accepting international gift certificates, and are provided with gift certificate issuing machines (A1 through A1 through a value-added network). An) provides the gift certificate information such as the amount of the gift certificate, the gift certificate serial number, and the classification information of the gift certificate so that the international gift certificate 10 can be issued in An), and the international gift certificate issued through each of the gift vouchers (A1 to An) ( Gift certificate information for 10) is provided to the main server 12 through an online network such as the Internet.

Here, the serial numbers of the gift certificates given by the plurality of gift certificate management servers C1 to Cn preferably include unique numbers for each country, unique numbers for each amount, and unique numbers for each category of gift certificates.

Further, the plurality of gift certificate management servers C1 to Cn are connected to gift certificate inquiry machines B1 to Bn provided in affiliated stores of the corresponding countries through a value-added network, and thus, gift certificate authentication servers E1 to En of respective countries. Request a certificate of a gift certificate, receive the gift certificate information of the gift certificate from the main server 12, and receive exchange rate information of the corresponding country from the exchange rate information providing server 18, Manage the payment process.

Here, each of the gift certificate management server (C1 ~ Cn) is connected to the financial management server provided in the financial institution of the country to provide the gift certificate information for the international gift certificate that has been paid at the merchant to complete the amount payment at each merchant It is desirable to enable currency exchange for international gift certificates.

The plurality of gift certificate information databases D1 to Dn are correspondingly connected to the plurality of gift certificate management servers C1 to Cn, respectively, and thus, gift certificate information for international gift certificates issued from respective gift certificate management servers C1 to Cn. And voucher issuance information of the affiliated store is stored.

The plurality of gift certificate authentication servers (E1 to En) are located in countries around the world where international gift certificates can be used, and upon receiving a request for authentication of an international gift certificate through a value-added network operated in the country, an online network such as the Internet is used. Through the main authentication server 16, the international certification of the corresponding international gift certificate is made, and domestic certification of the gift certificate that has completed the international certification is performed.

The main server 12 is connected to gift certificate management servers C1 to Cn distributed globally through an online network such as the Internet, and is issued internationally by each gift certificate management server C1 to Cn. Receives and manages the gift certificate information for the gift certificate (10), and provides the gift certificate information to the gift certificate management server corresponding to the gift certificate authentication inquiry through the gift certificate inquiry (B1 ~ Bn) provided in the affiliated stores for each country The amount payment at the affiliated store is allowed.

The main gift certificate information database 14 stores and manages the gift certificate information according to the international gift certificate issuance from the gift certificate management servers C1 to Cn received from the main server 12.

The main authentication server 16 connects to a plurality of gift certificate authentication servers E1 to En distributed throughout the world through an online network such as the Internet, and requests for gift certificate authentication from each gift certificate inquiry machine B1 to Bn. Receives an international authentication request from each of the gift certificate authentication servers E1 to En according to the international certificate of the international gift certificate.

The exchange rate information providing server 18 is connected to a plurality of gift certificate management servers (C1 ~ Cn) through the Internet, and the current exchange rate information for the country corresponding to the payment amount using the international gift certificate (10) gift certificate management server It is provided to (C1-Cn).

3 shows a detailed configuration of the gift certificate inquiry machine. The gift certificate inquiry machines B1 to Bn include a bar code reader 20, a memory 22, a main processor 24, and a communication module ( 26).

The bar code reading unit 20 generates a bar code signal by reading the bar code information 10A containing the gift certificate information printed on the international gift certificate 10, and the memory 22 from the international gift certificate 10. In addition to temporarily storing the read bar code signal, the current exchange rate information provided from the communication module 26 and the local conversion amount information of the international gift certificate 10 converted by the exchange rate information are temporarily stored.

The main processor 24 receives a barcode signal for the gift certificate information of the international gift certificate 10 read out from the barcode reader 20, and receives the gift certificate reading information including the gift certificate amount information, the serial number and the gift certificate classification information ( DA1) is transmitted to the gift certificate management server and gift certificate authentication server of the corresponding country through the communication module 26 to request the gift certificate authentication, and receives the authentication code and exchange rate application amount information (DA2) according to the authentication result The amount of conversion based on the current exchange rate for the gift certificate 10 is set so that the payment can be made at the merchant.

The communication module 26 connects online with a gift certificate management server and a gift certificate authentication server provided in a corresponding country through a value-added network, and performs data communication for inputting exchange rate information according to the gift certificate authentication and authentication result.

Next, an operation according to the first embodiment of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 4.

First, the gift certificate management server Cn of a specific country provides gift certificate information to a local gift certificate issuer An provided in a merchant or a financial institution of its own country, so as to issue international gift certificates 10 of various amounts (step S10). In addition to providing the gift certificate information according to the issuance of the international gift certificate 10 to the main server 12 via the Internet (step S11), whether or not the issuance of the international gift certificate 10 for international certification is performed on the main authentication server ( 16) (step S12).

In that state, the domestic gift certificate issuing machine An issues the international gift certificate 10 of the ticket on which the gift certificate information provided from the gift certificate management server Cn is printed in the form of a barcode and sells it to the gift certificate buyer (step S13). ), The purchaser of the international gift certificate (10) is a foreign goods voucher (10) to go abroad in possession of the international gift certificate (10) to receive a certain product or paid service from the merchants of other countries and receive the amount charged in return for the international gift certificate (10) It is hoped to pay through (step S14).

Accordingly, in the gift certificate inquiry machine (Bn) provided in the merchants of other countries, the barcode information 10A printed on the surface of the international gift certificate 10 is read through the barcode reader 20 to generate a barcode signal. (Step S15), the main processor 24 of the gift certificate inquiry (Bn) of the other country transmits the gift certificate information by barcode to the gift certificate authentication server (En) through the communication module 26 through the value-added network of the corresponding country. The authentication is requested (step S16).

At this time, the gift certificate authentication server En is connected to the main authentication server 16 through the Internet, and provides the gift certificate information of the international gift certificate 10 to request international authentication (step S17), the main authentication server In step 16, international certification of the corresponding international gift certificate 10 is performed through information on whether the gift certificate registered by the gift certificate management server Cn is issued (step S18).

As a result, the gift certificate authentication server En performs the domestic authentication process of the gift certificate following the international authentication by the main authentication server 16, and transmits the authentication code to the foreign gift certificate inquiry machine Bn (step S19).

On the other hand, the gift certificate inquiry machine (Bn) of the other country transmits the gift certificate information of the international gift certificate 10 to the gift certificate management server (Cn-1) of the corresponding country through the value-added network (step S20), the gift certificate management server ( Cn-1) requests the gift certificate registration information of the corresponding international gift certificate 10 from the main server 12 via the Internet to determine whether the gift certificate information of the relevant international gift certificate 10 is legally registered (step S21). .

Accordingly, the main server 12 provides the gift certificate information of the corresponding international gift certificate 10 to the gift certificate management server Cn-1 (step S22), and the gift certificate management server Cn-1 provides the gift certificate information. Determines that is legally registered, and requests the current exchange rate information of the corresponding country from the exchange rate information providing server 18 (step S23), and obtains the current exchange rate information of the corresponding country from the exchange rate information providing server 18. It is received (step S24).

The gift certificate management server Cn-1 forms exchange rate application amount information on the basis of the current exchange rate information provided from the exchange rate information providing server 18 and provides it to the foreign gift certificate inquiry machine Bn (step S25). ), The foreign country gift certificate inquiry machine (Bn) converts and displays the amount of money in the domestic country of the international gift certificate (10) based on the exchange rate application amount information provided from the gift certificate management server (Cn-1). In this way, the affiliated store can make a payment for a specific product or paid service based on the converted amount information.

On the other hand, the gift certificate management server (Cn-1) is to provide the gift certificate information of the relevant international gift certificate (10) to the financial institution when the amount of payment using the international gift certificate (10) is completed in the affiliated store.

Subsequently, the affiliated store having the foreign gift certificate inquiry machine (Bn) presents the international gift certificate (10), which has been settled, to a financial institution and exchanges the foreign currency for the gift certificate. The payment is made to (step S26).

Next, a second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 5 schematically illustrates an information processing flow for an international gift certificate issuing and processing system according to a second embodiment of the present invention.

As shown in FIG. 5, according to the second embodiment of the present invention, in a local gift certificate issuing system located in a country of a gift certificate buyer, a specific amount of a card type gift certificate determined for a gift certificate issuer that directly issues a gift certificate in a card type in the home country. Issuance is allowed.

Here, the voucher issuing machine is preferably installed in a merchant or various financial institutions that provide a particular product or a paid service, the card-type international voucher issued by the voucher is issued from the domestic voucher issuing system, the serial number, The gift certificate information is received and recorded through an information recording medium such as a magnetic recording surface.

In addition, since the gift card information is stored in an information recording medium such as a magnetic recording surface, the card-type international gift certificate can read the gift certificate information at a merchant and make a purchase payment using a gift certificate. As it is possible to exchange currency in the local currency, it is recommended that the card type gift certificate is repeatedly held by other merchants using a partial amount of the total amount set for the gift certificate while the card buyer is continuously holding it. It is possible.

The local gift certificate issuing system registers whether a gift certificate is issued by providing the gift certificate information of a card-type international gift certificate issued through a gift certificate issuing machine of the affiliated store to the global gift certificate issuing system. Through an online network such as this, it is connected to gift certificate issuing systems and gift certificate management systems all over the world to manage globally issued card-type international gift certificates.

In this state, the voucher purchaser purchases a card type gift certificate from the voucher issuing machine, and purchases a specific product at a merchant affiliated with a product or a paid service located in another country with the purchased card type international gift certificate. The amount charged for using the paid service is requested to be paid by a card type international gift certificate.

The gift certificate inquiry system installed in the affiliated stores of other countries obtains gift certificate information from a card type international gift certificate owned by a gift certificate buyer who purchased a specific product or a paid service, and requests a gift certificate authentication inquiry from the gift certificate management system of another country. In the global gift certificate issuance management system to request the certification of the gift certificate.

Accordingly, the global gift certificate issuance management system provides authentication information of the gift certificate and exchange rate information in the corresponding country based on the information of the international gift certificate registered by the domestic gift certificate issuing system according to the gift certificate authentication request from the foreign gift certificate management system. Done.

The gift certificate management system of another country sets the amount of the international gift certificate based on the current exchange rate information provided from the global gift certificate issuance management system to process the purchase and payment of the product or the paid service by the gift certificate.

Subsequently, the merchant performing the purchase payment through the international gift certificate presents money payment information and gift certificate information according to the result of the payment through the corresponding card type international gift certificate through a gift certificate inquiry to the financial settlement server of the financial institution for currency exchange processing. You will exchange them in your home currency.

On the other hand, the card-type gift certificate is a part of the merchants or other countries of the other country in the state that the purchaser of the gift certificate continues to hold the gift certificate when the partial amount is paid for the total amount set in the gift certificate by the payment of the amount at the merchant Make it available repeatedly at the merchant.

Next, FIG. 6 is a diagram showing the configuration of an international gift certificate issuing and processing system according to a second embodiment of the present invention.

As illustrated in FIG. 6, the international gift certificate issuing and processing system according to the second embodiment of the present invention includes a card type international gift certificate 50, a plurality of gift certificate issuers F1 to Fn, and a plurality of gift certificate inquiry machines ( G1 to Gn, a plurality of gift certificate management servers H1 to Hn, a gift certificate information database I1 to In, a plurality of gift certificate authentication servers J1 to Jn, a plurality of financial settlement servers P1 to Pn, a main server ( 52, a main gift certificate information database 54, a main authentication server 56, and a currency exchange rate information providing server 58.

The card-type international gift certificate 50 may include actual amount information that functions as a value of the gift certificate, a serial number of the gift certificate, and classification information of the gift certificate (for example, information on the issuer or type of issue of the gift certificate). The information is stored in an encrypted form on an information recording medium such as a recording surface, and can be distributed as a means of paying for goods or paid services at affiliated stores in the country where the card type gift certificate is issued, as well as in other countries.

The plurality of gift certificate issuers (F1 to Fn) is provided in a number of merchants or financial institutions that provide a variety of goods or paid services distributed around the world, each of the gift certificate management server through a value-added network operating in each country Connected with (H1 to Hn), the gift certificate information can be provided from the gift certificate management server (H1 to Hn), respectively, and the international gift certificate 50 can be issued to the buyer by issuing a card type with an information recording medium such as a magnetic recording surface. Make sure

The plurality of gift certificate inquiry machines (G1 to Gn) are provided in a plurality of merchants distributed around the world, and are connected to each gift certificate management server (H1 to Hn) through a value-added network operated in each country, and purchases gift certificate buyers. If a user wants to perform a payment for a specific product or a paid service through a card type international gift certificate, the gift certificate management server (H1 to Hn) of the corresponding country is read by reading the gift certificate information contained in the information recording medium of the card type international gift certificate 50. ) By executing a certificate voucher authentication request to the certificate voucher authentication server (J1 to Jn), receiving the certificate result and exchange rate information, and converting the amount of the corresponding international voucher into the exchange rate of the corresponding country to determine the amount. In addition to allowing the merchant to make a payment based on the amount of money, the payment history information for the gift certificate for which the payment is completed is provided to the gift certificate management servers H1 to Hn. The.

The plurality of gift certificate management servers (H1 to Hn) are respectively installed in countries around the world that can issue and use card-type international gift certificates, and have a gift certificate issuer provided to affiliated stores or financial institutions of the corresponding countries through a value-added network. The issued amount of the gift certificate, the serial number of the gift certificate (a unique number for each country, a unique number for each amount, and a unique number for each classification of the gift certificate), and the classification information of the gift certificate so that the card-type international gift certificate 50 can be issued from F1 to Fn). It provides the gift certificate information, such as, and provides the gift certificate information for the card-type international gift certificate 50 issued through each gift voucher (F1 ~ Fn) to the main server 52 through an online network such as the Internet.

Further, the plurality of gift certificate management servers H1 to Hn are connected to gift certificate inquiry machines G1 to Gn provided in affiliated stores of the corresponding countries through the value-added network, and thus, gift certificate authentication servers J1 to Jn of each country. Request a certificate of a gift certificate, receive the gift certificate information of the gift certificate from the main server 52, and receive the exchange rate information of the corresponding country from the exchange rate information providing server 58, It will be managed to enable payment processing.

When the plurality of gift certificate management servers H1 to Hn receive payment details of payment of the total amount or the partial amount through the card-type international gift certificate 50 at each of the affiliated stores, the plurality of gift certificate management servers H1 to Hn receive information from the financial institutions of the corresponding countries. Connected to the financial settlement server (P1 ~ Pn) provided to each of the merchants to provide the gift certificate information for the card-type international gift certificate (50) for which the payment was made and the payment details of the amount paid, and completed the payment at each merchant It is desirable to enable currency exchange for card-type international gift certificates.

The plurality of gift certificate information databases I1 to In are correspondingly connected to the plurality of gift certificate management servers H1 to Hn, respectively, and the card type international gift certificates issued from the respective gift certificate management servers H1 to Hn. Gift voucher information, merchant voucher issuance information, payment history information using a card-type international voucher at the merchant is stored.

The plurality of gift certificate authentication servers J1 to Jn are located in countries around the world where card-type international gift certificates can be used, and when a request for authentication of international gift certificates is received through a value-added network operated in the corresponding country, online such as the Internet International certification of the card-type international gift certificate 50 is performed from the main authentication server 56 through the network, and domestic authentication of the gift certificate that has completed the international certification is performed.

The plurality of financial settlement servers P1 to Pn are respectively disposed at financial institutions in countries around the world where the card-type international gift certificates 50 can be used, and at each merchant's gift certificate management server H1 to Hn, the card is signed. Receive and store the gift certificate information and payment details according to the result of the payment made using the type international gift certificate (50), and through the gift certificate from each gift voucher (G1 ~ Gn) equipped in the merchants of the country In accordance with the claim of the sales price, the amount paid using the gift certificate is deposited in the financial account opened by each affiliate.

The main server 52 is connected to the gift certificate management servers H1 to Hn distributed worldwide through an online network such as the Internet, and is issued worldwide by each gift certificate management server H1 to Hn. Receives and manages the gift certificate information for the type-type international gift certificate (50), and provides the gift certificate information to the gift certificate management server corresponding to the authentication inquiry of the gift certificate through the gift certificate inquiry (G1 ~ Gn) provided in each country's merchants Make payments possible at merchants through gift certificates.

Here, when the partial payment of a partial amount is made in a specific country by using the card-type international gift certificate 50, the main server 52 is a card-type international gift certificate that is partially paid from a gift certificate management server located in the corresponding country ( Receives and manages the gift certificate information and payment history information of 50), and later proceeds to purchase payment of a specific product or paid service in the merchant of the third country using the remaining amount of the card-type international gift certificate (50) On the basis of the gift certificate information and the payment history information for the partial payment, the merchants of the corresponding countries manage the purchase settlement using the gift certificate within the limit of the remaining amount.

The main gift certificate information database 54 stores the gift certificate information according to the international gift certificate issuance from the gift certificate management servers H1 to Hn received from the main server 52, and manages them collectively. Gift certificate information of the international gift certificate 50, and payment history information is made and stored so that the remaining amount is stored and stored.

The main authentication server 56 connects to a plurality of gift certificate authentication servers J1 to Jn distributed worldwide through an online network such as the Internet, and requests gift certificate authentication from each of the gift certificate inquiry machines G1 to Gn. Receives an international authentication request from each of the gift certificate authentication servers J1 to Jn, and performs international authentication of the international gift certificate.

The exchange rate information providing server 58 is connected to a plurality of gift certificate management servers H1 to Hn via the Internet, and the current exchange rate information for the corresponding country at the time of payment of the amount using the card type international gift certificate 50 is a gift certificate. Provided to the management servers H1 to Hn.

Next, Fig. 7 shows a detailed configuration of the gift certificate inquiry machine. The gift certificate inquiry machines G1 to Gn include a card reader unit 60, a keypad 62, a memory 64, and a main processor 66. ), And a communication module 68.

The card reader unit 60 reads the gift certificate information from the magnetic recording unit 50A containing the gift certificate information included in the card-type international gift certificate 50 to generate a read signal, and the keypad 62 generates the read signal. At the time of payment of the amount using the type-type international gift certificate 50, a key input for requesting authentication of the gift certificate and a key input for inputting the payment amount are performed.

The memory 64 temporarily stores the read signal read out from the card-type international gift certificate 50, and converts the card-type international gift certificate converted by the current exchange rate information provided from the communication module 68 and the exchange rate information. Local conversion amount information of (50) is temporarily stored, and payment history information on payment using the full amount or payment using the partial amount for the amount set in the card-type international gift certificate 50 is stored.

The main processor 66 receives a reading signal for the gift certificate information of the card type international gift certificate 50 read out from the card reader unit 60, and reads the gift certificate amount information, the serial number and the gift certificate classification information. The information (DA3) is transmitted to the gift certificate management server and gift certificate authentication server of the corresponding country through the communication module 68 to request the gift certificate authentication, receiving the authentication code and exchange rate application amount information (DA4) according to the authentication result A conversion amount according to the current exchange rate for the card-type international gift certificate 50 is determined, and the amount of payment can be made at the affiliated store according to the payment amount input from the keypad 62, while the card-type international gift certificate is processed. The payment history information (DA5) according to the result of the payment made through the 50 is provided to the gift certificate management server.

Here, when the main processor 66 is settled using the card-type international gift certificate 50 at the affiliated store, the gift card of the card-type international gift certificate 50 by connecting to the financial settlement server of the country through the value-added network Information and payment history information according to the payment result is transmitted so that local currency exchange of the gift certificate is performed.

The communication module 68 connects online with a gift certificate management server and a gift certificate authentication server through a value-added network, inputs exchange rate information according to the gift certificate authentication and authentication result, and transmits data for payment information of the gift certificate. Perform.

Next, a second embodiment of the present invention made as described above will be described in detail with reference to the flowchart of FIG.

First, the gift certificate management server (Hn) of a specific country provides the gift certificate information to the domestic gift voucher (Fn) provided in the affiliated store or financial institution of the country to issue a card-type international gift certificate 50 in which various amounts are set. (Step S30), provide the gift certificate information according to the issuance of the card-type international gift certificate 50 to the main server 52 through the Internet (step S31), and the card-type international gift certificate 50 for international certification The issue is reported to the main authentication server 56 (step S32).

In this state, the domestic gift certificate issuing machine (Fn) issues a card type international gift certificate (50) in which the gift certificate information provided from the gift certificate management server (Hn) is stored on an information recording medium such as a magnetic recording surface, and sells it to the gift certificate buyer. (Step S33), the purchaser of the card-type international gift certificate 50 moves abroad while possessing the corresponding international gift certificate 50 to receive a particular product or a paid service from a merchant in another country and be charged in return. It is hoped that the payment through the card-type international gift certificate 50 (step S34).

Accordingly, the gift certificate inquiry (Gn) provided to the merchants of other countries reads the gift certificate information contained in the magnetic recording unit 50A of the card-type international gift certificate 50 through the card reader unit 60 to read a signal. (S35), the main processor 66 of the foreign country gift voucher Gn transmits the gift certificate reading information to the gift certificate authentication server Jn via the communication module 68 through the value added network of the corresponding country. Then, the authentication of the gift certificate is requested (step S36).

At this time, the gift certificate authentication server Jn connects to the main authentication server 56 through the Internet, and provides the gift certificate information of the card-type international gift certificate 50 to request international authentication (step S37). The authentication server 56 performs international authentication on the card type international gift certificate 50 through information on whether to issue a gift certificate registered by the gift certificate management server Hn (step S38).

As a result, the gift certificate authentication server Jn proceeds with the domestic authentication process of the gift certificate following the international authentication by the main authentication server 56, and transmits the authentication code to the foreign gift certificate inquiry machine Gn (step S39).

On the other hand, the gift certificate inquiry machine (Gn) of the other country transmits the gift certificate information of the card-type international gift certificate 50 to the gift certificate management server (Hn-1) of the corresponding country through the value-added network (step S40), the gift certificate management The server Hn-1 requests the gift certificate registration information of the card type international gift certificate 50 from the main server 52 through the Internet to determine whether the gift certificate information of the card type international gift certificate 50 is legally registered. (Step S41).

Accordingly, the main server 52 provides the gift certificate information of the card-type international gift certificate 50 to the gift certificate management server Hn-1 (step S42), and the gift certificate management server Hn-1 corresponds to the gift certificate management server Hn-1. After determining that the gift certificate information is legally registered, the current exchange rate information of the corresponding country is requested to the exchange rate information providing server 58 (step S43), and the current exchange rate of the corresponding country from the exchange rate information providing server 58. Information is received (step S44).

The gift certificate management server Hn-1 forms exchange rate application amount information based on the current exchange rate information provided from the exchange rate information providing server 58 and provides it to the foreign gift certificate inquiry machine Gn (step S45). ), The foreign country gift certificate inquiry machine (Gn) converts and displays the actual amount of money information in the home country of the card-type international gift certificate (50) based on the exchange rate application amount information provided from the gift certificate management server (Hn-1). The amount of payment for the specific product or the paid service is made at the affiliated store according to the amount of payment input through the keypad 62 by the converted amount information.

On the other hand, in the foreign country gift voucher (Gn) when the amount payment using the card-type international gift certificate 50 is completed in the affiliated store, the gift card information of the card-type international gift certificate (50) and payment or partial payment The payment history information, which has been settled for the amount of money, is provided to the gift certificate management server Hn-1, and the gift certificate management server Hn-1 provides the gift certificate information and the payment history information at a financial institution of a corresponding country. The payment server Pn is provided (step S46).

Subsequently, the gift certificate inquiry machine (Gn) of the other country affiliated store presents the gift certificate information from the card-type international gift certificate 50 and the payment history information to the financial settlement server (Pn) by completing the payment. The exchange fee of the gift certificate is paid to the financial institution (step S47).

Next, a third embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 9 schematically illustrates an information processing flow for an international gift certificate issuing and processing system according to a third embodiment of the present invention.

As shown in FIG. 9, according to the third embodiment of the present invention, in a local gift certificate issuing system located in a country of a gift certificate buyer, a specific amount is determined and repeated for a gift certificate issuer that directly issues a gift certificate in the form of a card. It will allow the issuance of rechargeable card-type gift certificates.

Here, the voucher issuing machine is preferably installed in a merchant or various financial institutions that provide a specific product or a paid service, the rechargeable card-type international voucher issued by the voucher is issued from the domestic voucher issuing system and the serial number And receiving the gift certificate information and recording the information through, for example, a semiconductor memory or the like, which repeatedly records a plurality of gift certificate amounts for each gift certificate information by using a property capable of repeatedly recording / erasing the information of the information storage means. It is made possible to charge.

In addition, the rechargeable card-type international gift certificate contains the gift certificate information in information storage means such as a semiconductor memory, so that the merchant can read the gift certificate information and make a purchase payment with the gift certificate, while the financial institution stores the gift certificate information online. In order to be able to exchange currency in the local currency, the card type gift certificate is repeatedly held by other merchants using a partial amount of the total amount set for the gift certificate while the gift card buyer continuously holds the card type gift certificate. Is made possible.

In addition, since the rechargeable card-type international gift certificate is capable of repeatedly storing a plurality of gift certificate information in the information storage means, the gift card is issued through a gift certificate issuing machine of another country as well as the home country with the international gift certificate continuously held. It is possible to repeatedly charge the amount of money.

The domestic gift certificate issuing system registers whether the gift certificate is issued by providing the gift certificate information of the rechargeable card type international gift certificate issued through the gift certificate issuing machine of the domestic affiliate to the global gift certificate issuance management system. Through an online network such as the Internet, it will be connected to gift voucher issuing systems and voucher management systems all over the world to manage globally issued rechargeable card-type international vouchers.

In this state, the voucher purchaser purchases a rechargeable card type gift certificate from the voucher issuing machine, carries the purchased rechargeable card type international gift certificate, and moves to another country to carry out a purchase of a specific product at a merchant affiliated with a product or a paid service located in another country. Rechargeable card-type international vouchers will be requested to pay the amount charged for the purchase or use of the paid service.

The gift voucher installed in the merchants of the other countries obtains the gift certificate information from the rechargeable card type international gift certificate held by the gift voucher purchaser who purchased the specific product or the paid service, and requests a gift certificate authentication inquiry from the foreign gift certificate management system. The system requests authentication of the gift certificate from the global gift certificate issuance management system.

Accordingly, the global gift certificate issuance management system provides authentication information of the gift certificate and exchange rate information in the corresponding country based on the information of the international gift certificate registered by the domestic gift certificate issuing system according to the gift certificate authentication request from the foreign gift certificate management system. Done.

The gift certificate management system of another country sets the amount of the international gift certificate based on the current exchange rate information provided from the global gift certificate issuance management system to process the purchase and payment of the product or the paid service by the gift certificate.

Subsequently, the merchant performing the purchase payment through the international gift certificate presents the detailed information of the payment and the gift certificate information according to the result of payment through the corresponding card type international gift certificate through the gift voucher to the financial settlement server of the financial institution. Through exchange processing, they exchange their currency.

On the other hand, the rechargeable card-type gift certificate is a merchant or country of another country in a state in which the gift card buyer continuously holds the gift certificate when a partial amount is paid for the total amount set in the gift certificate by the payment of the amount at the merchant. Can be used repeatedly at merchants.

In addition, the rechargeable card-type voucher performs an additional charge request of the gift certificate amount to the gift voucher of the other country, the foreign gift voucher is presented to the gift certificate management system of the other country by presenting the gift card information of the rechargeable card-type gift certificate to the specific gift certificate amount You will report the charge.

Accordingly, the foreign country gift certificate management system generates additional gift certificate information including gift certificate amount information, gift certificate serial number, and gift certificate classification information for charging the additional gift certificate amount of the rechargeable card-type gift certificate and provides it to the gift certificate issuer. The gift voucher charging is performed by recording the gift voucher information additionally provided by the foreign voucher issuing machine in the rechargeable card type gift voucher.

Here, the charging of the rechargeable card-type gift certificate can be carried out as much as possible through not only the other country, but also a gift vending machine of its own country.

Next, FIG. 10 is a diagram showing the configuration of an international gift certificate issuing and processing system according to a third embodiment of the present invention.

As shown in FIG. 10, the international gift certificate issuing and processing system according to the third embodiment of the present invention includes a rechargeable card type international gift certificate 70, a plurality of gift certificate issue / chargers K1 to Kn, and a plurality of gift certificates. Inquiry machines L1 to Ln, multiple gift certificate management servers M1 to Mn, gift certificate information databases N1 to Nn, multiple gift certificate authentication servers O1 to On, multiple financial settlement servers Q1 to Qn, It consists of the main server 72, the main gift certificate information database 74, the main authentication server 76, and the exchange rate information provision server 78. As shown in FIG.

The rechargeable card-type international gift certificate 70 may include actual price information that functions as a value of the gift certificate, a serial number of the gift certificate, and classification information of the gift certificate (for example, information on the issuer or issue type of the gift certificate). It is stored in the same information storage means, and can be distributed as a means of payment of goods or paid services in the foreign merchants abroad as well as the related merchants in the country where the rechargeable card type gift certificate is issued. It is possible to repeatedly charge and use the additional gift certificate amount through the chargers K1 to Kn.

The plurality of gift certificate issuers / chargers (K1 to Kn) are provided in a number of merchants or financial institutions that provide various products or paid services distributed worldwide, and each gift certificate through a value-added network operated in each country. It is connected to the management server (M1 ~ Mn), and receives the gift certificate information from the gift certificate management server (M1 ~ Mn), respectively, the rechargeable card type international gift certificate 70 repeatedly equipped with information storage means such as semiconductor memory, the amount of gift certificates It will be issued in the form of a card that can be charged for sale to buyers.

In addition, the plurality of gift certificate issuing / chargers K1 to Kn are required to charge additional amount of money for the rechargeable card type gift certificate 70 in which a certain amount of gift certificate amount is already set. By requesting the provision of the gift certificate information for charging the additional gift certificate amount to Mn), the gift card information containing the additional amount of information is received from the gift certificate management servers M1 to Mn, and the rechargeable card type gift certificate 70 is received. Recording will proceed with the charging operation.

The plurality of gift voucher inquiry (L1 ~ Ln) is provided in a plurality of merchants distributed around the world, connected to each gift certificate management server (M1 ~ Mn) through a value-added network operated in each country, the gift certificate buyer If a user wants to perform a payment for a specific product or a paid service through a rechargeable card type international gift certificate, the gift certificate management server of the corresponding country is read by reading the gift certificate information contained in the information storage means of the rechargeable card type international gift certificate 70. -Mn) and a certificate voucher authentication server (O1 to On) by performing a certificate voucher authentication request, receiving the certificate result and exchange rate information of the gift voucher by converting the amount of the corresponding international gift voucher at the exchange rate of the relevant country, The gift voucher management server allows the merchant to make a payment based on the set amount, and displays the payment history information for the voucher for which the payment is completed. It is provided to (M1-Mn).

The plurality of gift certificate management servers (M1 to Mn) are respectively installed in the countries of the world capable of issuing and accepting rechargeable card-type international gift certificates, and issuing gift certificates provided to merchants or financial institutions of the corresponding countries through a value-added network. The amount of the gift card issued, the serial number of the gift certificate (a unique number for each country, a unique number for each amount, and a unique number for each category of the gift card) so that the rechargeable card type international gift certificate 70 can be issued by the charger / Kn. It provides the gift certificate information such as the classification information of the gift certificate, and the gift certificate information for the rechargeable card type international gift certificate 70 issued through each gift certificate issuer / charger (K1 to Kn) through the online network such as the Internet (72). To provide.

Here, when the plurality of gift certificate management servers M1 to Mn are requested to charge additional gift certificate amounts for the rechargeable card type gift certificates 70 already issued from the gift certificate issuing / charging machines K1 to Kn, the charging is requested. The gift certificate information including the information of the gift certificate amount is separately generated and provided to the gift certificate issuer / charger K1 to Kn, and the newly generated additional gift certificate information is provided to the main server 72 through the Internet.

In addition, the plurality of gift certificate management servers (M1 ~ Mn) is connected to the gift certificate inquiry (L1 ~ Ln) provided in the affiliated stores of the corresponding country through the value-added network, the gift certificate authentication server (O1 ~ On) of each country Request a certificate of a gift certificate, receive the gift certificate information of the gift certificate from the main server 72, and receive exchange rate information of the corresponding country from the exchange rate information providing server 78 It will be managed to enable payment processing.

If the plurality of gift certificate management server (M1 ~ Mn) receives the payment history information for the payment of the full or partial amount of the gift certificate amount set through the rechargeable card-type international gift certificate 70 in each affiliate, Each merchant is connected to a financial settlement server (Q1 to Qn) equipped with a financial institution of the country to provide gift certificate information and payment history information of the rechargeable card-type international gift certificate 70 for which the payment is made at the merchant. It is desirable to enable currency exchange for rechargeable card-type international gift certificates that have completed payment.

The plurality of gift certificate information databases N1 to Nn are respectively connected to the plurality of gift certificate management servers M1 to Mn, and are connected to rechargeable card type international gift certificates issued from each of the gift certificate management servers M1 to Mn. Information about the gift card information, the gift card information of the additionally charged amount for the rechargeable card-type gift card, information on issuance of the gift card of the merchant, and payment history information using the rechargeable card-type international gift card at the merchant.

The plurality of gift certificate authentication servers (O1 to On) are deployed in the countries of the world where the rechargeable card-type international gift certificate can be used, and when receiving a request for authentication of an international gift certificate through a value-added network operated in the country, such as the Internet The international certification of the rechargeable card type international gift certificate 70 is performed from the main authentication server 76 through the online network, and domestic authentication of the gift certificate that has completed the international certification is performed.

The plurality of financial settlement servers Q1 to Qn are respectively disposed at financial institutions in countries around the world where the rechargeable card-type international gift certificates 70 can be used, and from each of the gift certificate management servers H1 to Hn, Receiving and storing the gift certificate information and payment history information according to the result of the payment by using the rechargeable card-type international gift certificate 70, and gift vouchers from each gift voucher inquiry (L1 ~ Ln) provided in the merchants of the country In accordance with the claim of the sales price through the bank, the amount paid using the gift certificate is deposited in the financial account opened by each merchant.

The main server 72 is connected to the gift certificate management servers M1 to Mn distributed globally through an online network such as the Internet, and is rechargeable worldwide issued by each gift certificate management server M1 to Mn. Receives and manages the gift certificate information for the card-type international gift certificate 70, and provides the gift certificate information to the gift certificate management server corresponding to the authentication inquiry of the gift certificate through the gift certificate inquiry (L1 ~ Ln) provided in the merchants of each country It is possible to pay the amount at the merchant through the gift certificate.

Here, the main server 72 is a rechargeable card-type gift certificate from the gift certificate management server (M1 ~ Mn), even in the state that the payment of the gift certificate amount in a specific country using the rechargeable card-type international gift certificate (70). In accordance with the additional gift voucher value charge for), and receives and manages the gift voucher information including the information of the additionally charged gift voucher amount, and proceeds to purchase payment using the additional recharge amount of the rechargeable card-type international gift certificate (70) If so, based on the gift certificate information according to the additional charge is managed to proceed with the purchase payment using the gift certificate in the affiliated stores of the country.

The main gift certificate information database 74 stores the gift certificate information according to the international gift certificate issuance from the gift certificate management servers M1 to Mn received from the main server 72 to collectively manage, and the merchant card settlement rechargeable card Gift certificate information of the type-type international gift certificate 70, and payment history information is made and stored so that the remaining amount is stored and stored.

The main authentication server 76 connects to a plurality of gift certificate authentication servers M1 to Mn distributed worldwide through an online network such as the Internet, and requests for gift certificate authentication from each of the gift certificate inquiry machines L1 to Ln. Receives an international authentication request from each of the gift certificate authentication servers O1 to On.

The exchange rate information providing server 78 is connected to a plurality of gift certificate management servers (M1 ~ Mn) through the Internet, and the current exchange rate information for the country corresponding to the amount payment using the rechargeable card-type international gift certificate 70 It is provided to the gift certificate management server M1-Mn.

Next, Fig. 11 is a diagram showing a detailed configuration of the gift voucher issuing / charging machine. The gift voucher issuing / charging machine K1 to Kn includes a card reader unit 80, a charging recorder 81, a key input unit 82, It consists of a memory 84, a main processor 86, and a communication module 88.

The card reader unit 80 reads the gift certificate information already included in the purchase in the rechargeable card type gift certificate 70 and provides the read signal to the main processor 86.

Here, the rechargeable card type gift certificate 70 may include a card information storage control unit 70A having a semiconductor memory capable of storing a plurality of gift certificate information including a gift certificate amount, the card reader unit 80 and the charge recording unit 81. And an information transmitting / receiving unit 70B which is responsible for transmitting the gift certificate information or receiving the gift certificate information which is charged by sending and receiving information data.

The charging recorder 81 performs a recording operation for recording, on the rechargeable card type gift certificate 70, gift certificate information including a gift certificate amount additionally charged from the main processor 86.

The key input unit 82 performs key input according to a request for authentication of a gift certificate for additional charging of the rechargeable card type international gift certificate 70 and a key input for selecting an amount of a gift certificate to be charged.

The memory 84 temporarily stores the gift certificate information of the rechargeable card-type international gift certificate 70 read out through the card reader unit 80, and temporarily stores the gift certificate information including the amount of the gift certificate charge.

The main processor 80 corresponds to the gift certificate reading information DA6 through the value-added network through the communication module 88 through the gift card information of the rechargeable card type international gift certificate 70 read out through the card reader unit 80. It can be transferred to the gift certificate management server (M1-Mn) and gift certificate authentication servers (O1-On) of the country, and it is possible to charge an additional amount according to the authentication information (DA7) according to the gift certificate authentication from the gift certificate authentication server (O1-On). The state enters the state and requests the gift certificate amount selected by the key input unit 82, as a result of receiving the gift certificate information (DA8) containing the gift certificate amount information provided from the gift certificate management server through the charge recorder 81 While the card-type international gift certificate 70 is stored, the charging detail information DA9 according to the charge of the gift certificate amount is transmitted to the gift certificate management server.

The communication module 88 connects online with a gift certificate management server and a gift certificate authentication server provided in a corresponding country through a value-added network, and performs data communication for issuing a gift certificate and additional charging of the gift certificate amount.

12 shows a detailed configuration of the gift certificate inquiry machine. The gift certificate inquiry machines L1 to Ln include a card reader unit 90, a keypad 92, a memory 94, and a main processor 96. ), Communication module 98.

The card reader unit 90 reads the gift certificate information from the card information storage control unit 70A including the gift certificate information included in the rechargeable card type international gift certificate 70 and generates a read signal. At the time of payment of the amount using the rechargeable card-type international gift certificate 70, the key input for requesting authentication of the gift certificate and the key input for inputting the payment amount are performed.

The memory 94 temporarily stores a read signal read out from the rechargeable card-type international gift certificate 70, and also converts the current exchange rate information provided from the communication module 98 and the exchange rate information by the exchange rate information. Locally converted amount information of the international gift certificate 70 is temporarily stored, and payment history information on payment using the total amount or payment using a partial amount of the amount set in the rechargeable card type international gift certificate 70 is stored. .

The main processor 96 receives a read signal for the gift certificate information of the rechargeable card type international gift certificate 70 read from the card reader unit 90, and includes a gift certificate amount information, a serial number, and a gift certificate classification information. The certificate information is transmitted to the gift certificate management server and the gift certificate authentication server of the corresponding country through the communication module 98 as the readout information DA10, and the certificate code and the exchange rate application amount information DA11 are received according to the authentication result. Received by setting the conversion amount according to the current exchange rate for the rechargeable card-type international gift certificate 70 to process the amount payment at the affiliated store according to the payment amount input from the keypad 92, while the corresponding rechargeable card The payment history information DA12 according to the result of the payment made through the type international gift certificate 70 is provided to the corresponding gift certificate management server.

The communication module 98 connects online with a gift certificate management server and a gift certificate authentication server provided in a corresponding country through a value-added network, inputs exchange rate information according to the gift certificate authentication and authentication result, and transmits data for payment information of the gift certificate. Perform.

Next, a third embodiment of the present invention made as described above will be described in detail with reference to the flowchart of FIG.

First, the gift certificate management server (Mn) of a specific country issues a rechargeable card type international gift certificate 70 in which various amounts are determined by providing gift certificate information to a domestic gift certificate issuing / charger Kn provided in a merchant or a financial institution of the country. It is possible to (step S50), and provide the gift certificate information according to the issuance of the rechargeable card-type international gift certificate 70 to the main server 72 via the Internet (step S51), the rechargeable card-type international The issue of the gift certificate 70 is reported to the main authentication server 76 (step S52).

In this state, the domestic gift certificate issuing / charging machine Kn is a card type international gift certificate capable of charging additional gift certificate amounts while the gift certificate information provided from the gift certificate management server Mn is stored in the card information storage control unit 70A. (70) is issued and sold to the gift certificate buyer (step S53), the buyer of the rechargeable card-type international gift certificate (70) is a foreign country in possession of the relevant international gift certificate (70) to a specific product in a merchant of another country In addition, it is hoped that the user receives the paid service and pays the amount charged in return through the rechargeable card type international gift certificate 70 (step S54).

Thus, in the gift certificate inquiry (Ln) provided to the merchants of other countries by reading the gift certificate information contained in the card information storage control unit 70A of the rechargeable card-type international gift certificate 70 through the card reader unit 90 A read signal is generated (step S55), and the main processor 96 of the foreign country gift voucher Ln reads the gift certificate to the gift certificate authentication server On via the communication module 98 through the value added network of the corresponding country. The information is transmitted to request authentication of the gift certificate (step S56).

At this time, the gift certificate authentication server (On) is connected to the main authentication server 76 through the Internet and provides the gift certificate information of the rechargeable card-type international gift certificate 70 to request international authentication (step S57), The main authentication server 76 performs international authentication on the rechargeable card type international gift certificate 70 through information on whether to issue a gift certificate registered by the gift certificate management server Mn (step S58).

As a result, the gift certificate authentication server On proceeds with the domestic authentication process of the gift certificate following the international authentication by the main authentication server 76, and transmits the authentication code to the foreign gift certificate inquiry machine Ln (step). S59).

On the other hand, the foreign country gift voucher (Ln) transmits the gift certificate information of the rechargeable card-type international gift certificate 70 to the gift certificate management server (Mn-1) of the country through the value-added network (step S60), the gift certificate The management server Mn-1 requests the gift card registration information of the corresponding rechargeable card type international gift certificate 70 from the main server 72 through the Internet, and the gift certificate information of the corresponding rechargeable card type international gift certificate 70 is legally registered. It is determined whether or not it is (step S61).

Accordingly, the main server 72 provides the gift certificate information of the rechargeable card type international gift certificate 70 to the gift certificate management server Mn-1 (step S62), and the gift certificate management server Mn-1 After determining that the gift certificate information is legally registered, the current exchange rate information of the corresponding country is requested to the exchange rate information providing server 78 (step S63). The exchange rate information is received (step S64).

The gift certificate management server Mn-1 forms exchange rate application amount information based on the current exchange rate information provided from the exchange rate information providing server 78 and provides it to the foreign gift certificate inquiry machine Ln (step S65). ), The foreign country gift certificate inquiry (Ln) converts the actual amount of money information in the domestic country of the rechargeable card-type international gift certificate 70 based on the exchange rate application amount information provided from the gift certificate management server (Mn-1) It is displayed, and the amount of payment for a particular product or a paid service can be made in the merchant according to the amount of payment input through the keypad 92 by the converted amount information.

On the other hand, in the foreign country gift voucher (Ln) when the amount payment using the rechargeable card-type international gift certificate 70 is completed at the affiliated store, the gift card information of the rechargeable card-type international gift certificate 70 and the payment for the total amount or The payment voucher information for which partial payment is made is provided to the gift certificate management server Mn-1, and the gift voucher management server Mn-1 includes the gift certificate information and the payment history information at a financial institution of the corresponding country. To the financial settlement server Qn.

Then, in the gift certificate inquiry machine (Ln) of the affiliated country, the gift certificate information and the payment history information from the rechargeable card type international gift certificate 70, which has been paid, are presented to the financial settlement server Qn. The currency is exchanged and the exchange fee of the gift certificate is paid to the financial institution (step S66).

Meanwhile, the rechargeable card type gift certificate 70 requests additional charging of the gift certificate amount to the gift certificate issuing / charger Kn-1 of another country (step S67), and the gift card issuing / charger Kn-1 of the other country is a card. The reader unit 80 reads the first gift certificate information already recorded in the corresponding rechargeable card type international gift certificate 70 and provides it to the gift certificate management server Mn-1, and requests an additional gift certificate amount to be charged (step) S68).

Accordingly, the gift certificate management server (Mn-1) generates gift certificate information including information on the amount of the gift certificate to be charged for the rechargeable card-type gift certificate 700 and transmits it to the foreign country gift certificate issuing / charger (Kn-1). (S69), the foreign country gift certificate issuing / charging machine Kn-1 records the gift certificate information additionally generated in the card information storage control unit 70A of the rechargeable card type international gift certificate 70 through the charging recorder 81. A charging operation is performed (step S70).

Therefore, the rechargeable card-type international gift certificate 70 can be used separately from the amount of the gift certificate information previously issued, the gift certificate amount additionally charged according to the gift card value charging function.

On the other hand, the present invention is not limited to the above-described typical preferred embodiments, but can be carried out in various ways without departing from the gist of the present invention, various modifications, alterations, substitutions or additions are common in the art Those who have knowledge will easily understand. If the implementation by such improvement, change, replacement or addition falls within the scope of the appended claims, the technical idea should also be regarded as belonging to the present invention.

As described above, according to the present invention, by issuing an international gift certificate that can be used both domestically and overseas, and using the international gift certificate, it is possible to settle the amount of the billing cost according to the purchase of goods or the use of a paid service in another country. In other countries, it is possible to use the same concept as cash in an anonymous way without the need for a separate signature or identification card. In addition, the short-term funds can be secured more widely.

Claims (43)

An international gift certificate, comprising: an information recorder having a predetermined amount set at the time of issuance of the gift certificate, and containing internationally recognized gift certificate information. The method of claim 1, The gift certificate information is an international gift certificate, characterized in that it comprises the issued amount of the gift certificate, gift certificate serial number, classification information of the gift certificate. The method of claim 2, The gift certificate serial number is an international gift certificate comprising a unique number for each country, a unique number for each amount, and a unique number for each category of gift certificates. The method of claim 1, The information recording unit is an international gift certificate, characterized in that formed in the form of a barcode printed on the international gift certificate consisting of the winding surface. The method of claim 1, The information recording unit is an international gift certificate, characterized in that consisting of a magnetic recording unit attached to the international gift certificate in the form of a card. The method of claim 1, And the information recording unit comprises a semiconductor information integrated circuit element inserted into an international gift card having a card shape. The method of claim 6, And the information recording unit can record a plurality of gift certificate information by repetitive information recording / erasing of the semiconductor information integrated circuit device. A number of means for issuing international gift certificates, distributed in countries around the world where international gift certificates are available, for issuing international gift certificates for which a fixed amount is set and containing internationally recognized gift certificate information; It is distributed in countries all over the world where international gift certificates can be used, and it is possible to check the gift certificate information of international gift certificates issued through the gift certificate means of the country or another country, so that payment of the charges for the purchase of goods or the use of the paid service is possible. Multiple gift voucher means, The plurality of gift certificate issuance means and the gift certificate inquiry means are provided in the countries of the world distributed, the international gift certificate is issued by providing internationally recognized gift certificate information to each of the gift certificate issuing means, the international gift certificate of each gift certificate inquiry means Multiple gift certificate management means for managing the payment of the gift certificate amount according to the inquiry, Gift certificate authentication means for having the certificate information of the international gift certificate issued by the plurality of gift certificate issuing means, and performs a gift certificate authentication process in accordance with the inquiry request of the gift certificate inquiry means; An international gift certificate issuing and processing system, comprising: main management means for collectively managing gift certificate information on international gift certificates of countries around the world managed by the plurality of gift certificate management means. The method of claim 8, And an exchange rate information providing means for providing current exchange rate information of the country in which the gift certificate inquiry means is located for payment through an international gift certificate. The method of claim 8, The international gift certificate issuance and processing system, characterized in that the gift certificate information is recorded in the information recording unit in the form of a bar code printed on the winding surface. The method according to any one of claims 8 to 10, The plurality of gift certificate inquiry means includes a barcode reading unit for reading gift certificate information from an information recording unit in the form of a barcode printed on the international gift certificate; A memory for temporarily storing gift certificate information read from the international gift certificate and local gift certificate amount information converted by current exchange rate information; A main processor for providing the gift certificate information read from the international gift certificate to the gift certificate management means and the gift certificate verification means of the corresponding country, and converting the gift certificate amount based on the gift certificate authentication result and the current exchange rate information; An international gift certificate issuing and processing system comprising a communication module for performing data communication for proceeding authentication and exchange rate application of an international gift certificate through a communication network. The method of claim 8, The voucher information is an international voucher issuing and processing system, characterized in that it comprises the issued amount of the voucher, the voucher serial number, the classification information of the voucher. The method of claim 12, The gift certificate serial number is an international gift certificate issuing and processing system comprising a unique number for each country, a unique number for each amount, and a unique number for each category of gift certificates. The method of claim 8, The gift certificate authentication means may include: a main authentication server which collectively internationally authenticates overall international gift certificates issued worldwide by the plurality of gift certificate management means; A plurality of countries that are provided in the countries of the world equipped with the plurality of gift certificate management means, and performs a domestic authentication process for the international gift certificate is requested from the gift certificate inquiry means of the corresponding country in accordance with the international certification of the main authentication server International gift certificate issuing and processing system comprising a gift certificate authentication server. A first step in which a predetermined amount is set and an international voucher containing internationally recognized voucher information is issued and sold to the buyer; A second step in which the buyer of the international gift certificate proceeds with a request to pay for the purchase of the product or the use of the paid service with the international gift certificate at a domestic or another affiliated store; A third step of authenticating the validity of the gift certificate through the gift certificate information contained in the international gift certificate in the gift certificate inquiry means provided in the home country or a member of another country; A fourth step of converting the local amount to the amount set in the international gift certificate by applying the current exchange rate of the home country or another country, and performing the payment for the purchase price of the product or the use of the paid service; And a fifth step of exchanging the local gift voucher for which the payment is completed at the merchant and exchanging it in a local currency by submitting it to a financial institution. The method of claim 15, In the first step, the international gift certificate issuance and processing method characterized in that the gift certificate information is stored in the information recording unit in the form of a bar code printed on the winding surface. The method of claim 16, In the first step, the gift certificate information is an international gift certificate issuing and processing method, characterized in that consisting of the issued amount of the gift certificate, gift certificate serial number, classification information of the gift certificate. The method of claim 17, In the first step, the gift certificate serial number is a unique number for each country, the unique number for each amount, the international gift certificate issuing and processing method, characterized in that consisting of the unique number for each classification of the gift certificate. The method of claim 15, The fourth step, the exchange rate information providing server further comprises the step of providing the current exchange rate information of the country where the gift certificate inquiry means is located, the international gift certificate issuing and processing method. A number of means for issuing card vouchers, which are distributed in countries around the world where international vouchers are available, for issuing card-type international vouchers with a fixed amount and containing internationally recognized voucher information; It is distributed to merchants in countries around the world where international vouchers can be used, and the voucher information obtained from card-type international vouchers issued through the vouchers of one's own or other countries is read out to verify the validity of the vouchers, and thus A plurality of gift voucher inquiry means for enabling the payment of the bill amount according to the use, and notifying the payment details of the card-type international gift voucher made through the communication network, The exchange of local currency for merchants that have been placed in financial institutions in countries around the world where international vouchers are commonly used, receives the payment details of the card type international vouchers for which the amount has been settled through the telecommunication network, and has settled the card type international vouchers. Multiple financial settlement instruments performed The plurality of gift certificate issuance means and the gift certificate inquiry means are provided in the countries of the world distributed, by providing the internationally recognized gift certificate information to each of the gift certificate issuing means to issue a card-type international gift certificate, each of the gift certificate inquiry means A plurality of gift certificate management means for receiving the payment history according to the payment result using the card-type international gift certificate and transmits it to the financial settlement server to enable the local currency exchange of merchants by payment of the gift certificate amount; Gift certificate authentication means for having the certificate information of the card-type international gift certificate issued by the plurality of gift certificate issuing means, and performs a gift certificate authentication process in response to the inquiry request of the gift certificate inquiry means; An international gift certificate issuing and processing system, comprising: main management means for collectively managing gift certificate information for card-type international gift certificates of countries worldwide managed by the plurality of gift certificate management means. The method of claim 20, And an exchange rate information providing means for providing current exchange rate information of the country in which the gift certificate inquiry means is located for payment through the card type international gift certificate. The method of claim 20, The card-type international gift certificate is an international gift certificate issuing and processing system, characterized in that the gift certificate information is stored in the information recording form of the magnetic record form in the form of a card. The method according to any one of claims 20 to 22, The plurality of gift certificate inquiry means includes a card reader unit for reading gift certificate information from an information recording unit in the form of a magnetic recording unit provided in the card-type international gift certificate; A memory for temporarily storing gift voucher information read from the card-type international gift voucher, local gift voucher value information converted from current exchange rate information, and payment history information of the amount processed by the international voucher; By providing the gift certificate information read from the card-type international gift certificate to the gift certificate management means and gift certificate authentication means of the relevant country to request the validity of the gift certificate, and converts the amount of gift certificates in the local area based on the result of the gift certificate authentication and the current exchange rate information; A main processor for providing the payment history information according to the payment result of the card type international gift certificate to the gift certificate management means and the financial settlement means; An international gift certificate issuing and processing system, comprising a communication module for performing data communication for proceeding authentication of card-type international gift certificates and application of exchange rates and provision of payment details through a communication network. The method of claim 20, The voucher information is an international voucher issuing and processing system, characterized in that it comprises the issued amount of the voucher, the voucher serial number, the classification information of the voucher. The method of claim 24, The gift certificate serial number is an international gift certificate issuing and processing system comprising a unique number for each country, a unique number for each amount, and a unique number for each category of gift certificates. The method of claim 20, The gift certificate authentication means may include: a main authentication server which collectively internationally authenticates overall card-type international gift certificates issued worldwide by the plurality of gift certificate management means; A plurality of countries that are provided in the countries of the world equipped with the plurality of gift certificate management means, and performs a domestic authentication process for the international gift certificate is requested from the gift certificate inquiry means of the corresponding country in accordance with the international certification of the main authentication server International gift certificate issuing and processing system comprising a gift certificate authentication server. The method of claim 20, The gift certificate inquiry means is to enable the payment processing using a partial amount of the total amount set in the card-type international gift certificate, The gift certificate management means receives the payment details according to the partial payment result of the card-type international gift certificate from the gift certificate inquiry means and provides it to the main management means. The method of claim 27, When the main management means receives the payment history information according to the partial payment of the card-type international gift certificate from the gift certificate management means, the card-type international gift certificate receives the remaining amount at the merchant or the affiliated country of the other country based on the payment history information. International gift voucher issuing and processing system characterized in that the management to enable the payment. A first step in which a predetermined amount is set and a card-type international gift certificate containing internationally recognized gift certificate information is issued and sold to the buyer; A second step in which the buyer of the international gift certificate proceeds with a request for payment of a purchase of a product or use of a paid service by a card-type international gift certificate at a domestic or another affiliated store; A third step of authenticating the validity of the gift certificate through the gift certificate information contained in the card-type international gift certificate in the gift certificate inquiry means provided in the home country or another affiliated store; A fourth step of converting the local amount to the amount set in the card-type international gift certificate by applying the current exchange rate of the home country or another country, and performing the payment for the purchase price of the product or the use of the paid service; And a fifth step of transmitting payment history information of the card-type international gift certificate that has been settled in the gift certificate inquiry means of the affiliated store to a financial institution through a communication network so as to be exchanged in a local currency. The method of claim 29, In the first step, the card-type international gift certificate is an international gift certificate issuing and processing method, characterized in that the gift certificate information is stored in the information recording unit in the form of a magnetic record in the form of a card. The method of claim 29, In the first step, the gift certificate information is an international gift certificate issuing and processing method, characterized in that consisting of the issued amount of the gift certificate, gift certificate serial number, classification information of the gift certificate. The method of claim 31, wherein In the first step, the gift certificate serial number is a unique number for each country, the unique number for each amount, the international gift certificate issuing and processing method, characterized in that consisting of the unique number for each classification of the gift certificate. The method of claim 29, The fourth step, the exchange rate information providing server further comprises the step of providing the current exchange rate information of the country where the gift certificate inquiry means is located, the international gift certificate issuing and processing method. The method of claim 29, The fourth step includes the step of performing a payment process using a partial amount of the total amount set in the card-type international gift certificate, The fifth step may include the step of transmitting the payment details according to the partial payment result of the card type international gift certificate in the gift certificate inquiry means to the financial institution through a communication network to be exchanged for local currency. And treatment method. The method of claim 34, wherein The fifth step may further include a step of allowing the card-type international gift certificate to be settled using the remaining amount at the affiliated store of the home country or another country based on the payment history information on the partial amount of the card-type international gift certificate. International gift certificate issuing and processing system, characterized in that made. It is distributed in countries all over the world where international vouchers are available, and is issued a rechargeable card type international voucher that can be repeatedly charged for a certain amount of money and contains internationally recognized voucher information. A number of means for issuing / charging vouchers, It is distributed in merchants in countries around the world where international gift certificates can be used, and the product purchase or paid service is obtained by reading the gift certificate information contained in the rechargeable card-type international gift certificates issued through the gift certificate means of the home country or another country. A plurality of gift voucher inquiry means for enabling the payment of the bill amount according to the use, and notifying the payment details of the rechargeable card-type international gift certificate through the communication network, Placed in financial institutions of countries around the world where international vouchers are commonly used, receiving the payment details of the rechargeable card type international vouchers for which the amount has been settled through the network and performing the payment of the rechargeable card type international vouchers for Multiple financial settlement means for conducting exchanges And a plurality of gift certificate issuing / charging means and gift certificate retrieval means are provided in countries around the world, and internationally recognized gift certificate information is provided to each of the gift certificate issuing / charging means to issue a rechargeable card type international gift certificate. In addition, it is possible to charge the additional gift certificate amount of the rechargeable card-type international gift certificate, receiving the payment details according to the payment result using the rechargeable card-type international gift certificate of each gift certificate inquiry means by sending to the financial settlement server A plurality of gift certificate management means for managing the local currency exchange of merchants by payment of Gift certificate authentication means for having the certificate information of the card-type international gift certificate issued and charged by the plurality of gift certificate issuing / charging means, and performs a gift certificate authentication process in response to the inquiry request of the gift certificate inquiry means; An international gift certificate issuing and processing system, comprising: main management means for collectively managing gift certificate information for card-type international gift certificates of countries worldwide managed by the plurality of gift certificate management means. The method of claim 36, And an exchange rate information providing means for providing current exchange rate information of a country in which the gift certificate inquiry means is located for payment through the rechargeable card type gift certificate. The method of claim 36, The rechargeable card type international gift certificate is an international gift certificate issuing and processing system, characterized in that the gift certificate information is stored in the semiconductor information integrated circuit element inserted in the card shape. The method of claim 36 or 38, The plurality of gift voucher issuing / inquiry means, the card reader unit for reading the gift voucher information already recorded when the purchase in the rechargeable card-type gift certificate and generates a read signal; A charging recorder which performs a recording operation for recording the additional gift card value charged in the rechargeable card type gift certificate; A key input unit configured to perform key input according to a request for authentication of a gift certificate for additional charging of the rechargeable card type international gift certificate, and key input for selecting an amount of a gift certificate to be charged; Memory for temporarily storing the gift certificate information of the rechargeable card-type international gift certificate read through the card reader unit, and the additional information of the gift certificate amount charged; A main processor which performs a control process for issuing a rechargeable card type international gift certificate and charging an additional gift card amount; Issuing and processing international gift certificates, comprising a communication module for online connection with the gift certificate management server and gift certificate authentication server provided in the corresponding country through the value-added network to perform data communication for issuing gift certificates and additional charging of the gift certificate amount. system. The method of claim 39, And an item charged in the rechargeable card type gift certificate by the charging recorder is separate gift certificate information including information of a gift certificate amount. The method according to any one of claims 36 to 38, The plurality of gift certificate inquiry means includes a card reader unit for reading gift certificate information from an information recording unit in the form of a magnetic recording unit provided in the rechargeable card type international gift certificate; A memory for temporarily storing gift certificate information read from the rechargeable card-type international gift certificate, local gift certificate amount information converted by current exchange rate information, and payment history information of the amount processed by the international gift certificate; By providing the gift certificate information read from the rechargeable card-type international gift certificate to the gift certificate management means and gift certificate authentication means of the corresponding country to request the validity of the gift certificate, and converts the amount of gift certificate amount based on the result of the gift certificate authentication and the current exchange rate information And a main processor for providing the payment history information according to the payment result of the card type international gift certificate to the gift certificate management means and the financial settlement means, An international gift certificate issuing and processing system comprising a communication module for performing data communication for the authentication of a rechargeable card-type international gift certificate through a communication network, application of exchange rates, and provision of payment details. A first step in which a certain amount of money is set, an internationally recognized gift certificate information is included, and a rechargeable card-type international gift certificate that can be recharged is issued and sold to a buyer; When the buyer of the international gift certificate requests a payment for the purchase of a product or the use of a paid service by a card-type international gift certificate from a domestic or another affiliated store, the purchaser of the international gift certificate according to the validation of the rechargeable card-type international gift certificate by the merchant certificate inquiry means The second step of making a payment using the current exchange rate of another country, A third step of transmitting payment history information of a rechargeable card type international gift certificate, which has been settled in the gift certificate inquiry means of the affiliated store, to a financial institution through a communication network to be exchanged for a local currency; A fourth step of charging an additional gift certificate amount in a rechargeable card type international gift certificate using a gift voucher charging means in another country or another country; And a fifth step of proceeding with the purchase of goods or payment for the use of a paid service in the home country or another country by using the additionally charged gift card amount. The method of claim 42, The fourth step, the international gift certificate issuing and processing method characterized in that the rechargeable card-type international gift certificate is filled with additional gift certificate information including the information of the gift certificate amount.