KR20030090216A - Advertisement and settlement system and method using a discounting cash - Google Patents

Abstract

The present invention relates to an advertisement and payment system using a discount cache and a method thereof, and provides a product information that can be purchased with the discount cache for each buyer who has obtained the discount cache, and the buyer in advance through the confirmation of the corresponding buyer for offline purchase The present invention relates to an advertisement and payment system using a discount cache in which a personal shopping mall is built internally so that payment can be automatically made by a secured discount cache, and a method thereof.

In particular, the discount cache is a new concept of Gwanggyo, which includes both the advertising function of the advertiser, the transfer of the discount rate through the sale of the discount cache, the accumulation of the par value given to the discount cache, and the settlement function through the discount cache. To build a shopping mall.

According to the present invention, by purchasing the discount information for each buyer who has obtained a discount cache, by individually outputting product information to increase the desire to purchase a product and make a purchase plan in advance, the buyer when purchasing the product offline By confirming and verifying the certification, the discount cash secured by the buyer is automatically applied to make sure that the discount is reflected on the purchase of the product, eliminating the need for the buyer to carry the discount coupon and whether the discount is available. It is very convenient to use because it is automatically paid without checking.

In addition, it is effective to promote the distribution of discount cash by registering the discount cache information secured by each buyer and discount cache information for the current sell / buy, and confirming the registered sale reservation information in real time. You can check the distribution of discounted cash at once, and if you do not have enough discounted cash when purchasing a specific product, you can borrow the discounted cash in the form of a loan and later secure the corresponding discounted cash to repay the entire transaction. Since the discount rate can be applied to the purchase, the product can be purchased at a low price.

On the other hand, there is an advantage that it is possible to build a new concept individual advertising shopping mall consisting of advertising using a discount cache, the transfer of the discount cache, the accumulation of the discount cash, and the product shopping are one stop on a single web page.

Description

ADVERTISEMENT AND SETTLEMENT SYSTEM AND METHOD USING A DISCOUNTING CASH}

The present invention relates to an advertisement and payment system using a discount cache and a method thereof, which provides product information that can be purchased with the corresponding discount cache for each buyer who has obtained the discount cache in detail, and through the confirmation of a separate buyer for offline purchases. The present invention relates to an advertisement and payment system using a discount cache in which a personal shopping mall is built so that payment can be automatically made by a discount cache secured by a buyer in advance.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

As these infrastructures are gradually established, recently, not only online but also offline companies are adopting various reserve systems in order to double the advertising effect as well as securing customers.

However, such a reserve system does not recognize the advantages greatly from the customer's point of view, because the extremely small amount of the reserve is provided through a cash back or various products compared to the purchase price of the product to be purchased. Therefore, the reserve system has a problem that does not secure a fixed customer unlike the initial intention.

In addition, since the customer does not significantly recognize the merits of the reserve in the base of the reserve system, the effect of the advertisement using the reserve system is also greatly reduced.

Therefore, in order to solve the above problems, the applicant filed a patent application No. 10-2002-14139 (name of the invention: a lottery system and method through the payment data interface) on March 15, 2002.

The lottery system through the payment data interface is a method of paying a small number of people who have won by lottery, such as a small number of reserves relatively small compared to the purchase price of the customer. Such a method is to pay a large number of reserves to a small number of winners, so the amount of the reserves will be relatively large, there is an effect that the customer can recognize a greater advantage.

However, since the lottery system through the payment data interface is determined only by the luck of the customer, whether or not the payment of the reserves is precisely determined, since it does not take the form of accumulation, it is somewhat inadequate in terms of securing a fixed customer. In addition, since the customer has a one-time characteristic of purchasing a specific product and confirming whether or not to win it, the advertising effect was rather insignificant.

Accordingly, the applicant has filed a patent application No. 10-2002-26926 (name of the invention: slot coupon management system and method for managing advertisements and reserves) on May 15, 2002 to overcome the above-mentioned point. have.

The slot coupon management system and method for managing advertisements and reserves manage the slot coupons provided for managing the reserves for the advertisement and product purchase price of a plurality of subscribers, and enable the sale of the desired coupons to further increase the advertising effect. Along with the increase, the present invention relates to a slot coupon management system and method for managing advertisements and reserves to further activate commerce of subscribers.

However, the above-mentioned slot coupon management system for advertising and reserve management and its method also use the corresponding discount slot coupons at merchants or other payment centers in order to receive the discount rate when paying for the product price on the screen of the mobile phone. There was a problem that you need to print or submit the corresponding slot coupon.

In addition, although the above-mentioned slot coupon management system for advertisement and reserve management provides product information to each buyer, this may reduce the purchase intention by providing a large amount of advertisement product information irrespective of the current discount rate. There is a problem that there is.

On the other hand, there is a problem that the promotion of the aggressive advertising product is limited because the separate information about the product that the buyer wants to purchase cannot be provided personally, and the information about the purchased product can not be registered personally.

In addition, since the total amount of the slot coupons distributed in the slot coupon management system for advertisement and reserve management is not provided for each buyer to recognize, the buyer may be somewhat damaged if the advertiser discontinued the goods. There was concern.

The present invention has been made in view of the above-described circumstances of the prior art, and provides a product information that can be purchased with a corresponding discount cache for each buyer who has obtained a discount cache to enhance the willingness to purchase a product and allow the buyer to plan a purchase in advance. The purpose of the present invention is to provide an advertisement and payment system and method using a discount cache.

Another object of the present invention is an advertisement and payment using a discount cache to make a payment reflecting the discount rate for the purchase of the product automatically by the discount cache secured by the buyer in advance through the confirmation and authentication of the buyer when the product is purchased offline The present invention provides a system and a method thereof.

Another object of the present invention is to register the discount cache information secured by each buyer and the discount cache information for the current sale / purchase, and to confirm the registered sale reservation information in real time to promote the distribution of discount cash The present invention provides an advertisement and payment system using a cache and a method thereof.

Another object of the present invention is to register the buyer to check the current distribution of the discount cache information secured by buyer and the discount cache information exhausted after the purchase is completed in real time so that the buyer can make a purchase plan using the discount cache To provide an advertising and payment system and its method.

Another object of the present invention is to provide a product that can be purchased with a discount cash secured by each buyer to provide a personalized shopping mall for each buyer so that the product can be purchased using a discount cache secured for each buyer on a web page that is output when the buyer is logged in The present invention provides an advertisement and payment system using a discount cache and a method for making the purchase immediately.

Figure 1a, 1b, 1c is a block diagram showing the configuration of an advertisement and payment system using a discount cache according to a first embodiment of the present invention,

2A and 2B illustrate data processing states processed through an advertisement and payment system using a discount cache according to a first embodiment of the present invention;

3 is a block diagram showing the configuration of an individual discount cache providing server of the advertisement and payment system using the discount cache according to the first embodiment of the present invention;

4A and 4B illustrate individual web processing screens of an advertisement and payment system using a discount cache according to the first embodiment of the present invention;

5A, 5B, and 5C are signal flow diagrams illustrating signal flows of an advertisement and payment system using a discount cache according to a first embodiment of the present invention;

6 is a block diagram showing a configuration of an advertisement and payment system using a discount cache according to a second embodiment of the present invention;

7 is a signal flow diagram illustrating a signal flow of an advertisement and payment system using a discount cache according to a second embodiment of the present invention;

8 is a block diagram showing the configuration of an advertisement and payment system using a discount cache according to a third embodiment of the present invention;

9A and 9B are diagrams illustrating a data processing state of an advertisement and payment system using a discount cache according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1 to An: Buyer terminal, H1 to Hn: Mobile terminal,

CD1-CDn: card payment terminal, AS1-ASn: advertiser server,

CCCS: Card authentication server, IDCPS: Individual discount cache server.

In order to achieve the above object, according to a preferred embodiment of the present invention and the card payment terminal for reading the card information of the buyer; An advertisement company server for providing a plurality of buyers with a discount cache in which a company logo and specific product information are displayed in exchange for product purchase or advertisement viewing; A card authentication server which is connected with a plurality of financial servers and receives card information and payment information from the card payment terminal and performs card authentication processing for credit payment; Provides a discount cache provided by the advertiser between the card payment terminal, the advertiser server, and the card authentication server, and provides the buyer with the discount information and discountable product information. An individual discount cache providing server which reads the discount cache information and automatically makes a payment through the card authentication server for the applied discount amount, and brokers the sale of the discount cache secured by the buyer; Using a discount cache comprising a first database for storing the discount cache information secured for each buyer and the discount cache reservation information reserved for the sale / purchase of the current discount cache provided in the individual discount cache providing server for each individual An advertising and payment system is provided.

Preferably, in the first database, the discount cache is registered such that the discount cache sale reservation information and the discounted cash information, except for the current distribution amount of the discount cache information secured for each buyer and the discount cache exhausted after the purchase completion, can be checked. Provided is an advertisement and payment system.

Preferably, the individual discount cache providing server checks the card payment price of the buyer by using the discount cache, characterized in that the processing to provide to the buyer by differentially adjusting the face value of the discount cache according to the amount of the payment price paid An advertising and payment system is provided.

Preferably, the card information of the buyer read through the card payment terminal at the time of cash purchase is provided with an advertisement and payment system using a discount cache, characterized in that for identifying the buyer to read the discount cache information of the buyer.

Preferably, in place of the card payment terminal, a buyer terminal for inputting and transmitting card information or a phone terminal for generating a key input signal for ARS product purchase may be selectively included. A system is provided.

Preferably, the discount cache information provided to the buyer in the individual discount cache providing server is provided with an advertisement and payment system using a discount cache, characterized in that the discount information, the discountable product information, the discountable purchase period information.

Preferably, the individual discount cache providing server comprises a communication module for performing data communication; An individual discount cache manager for managing individual discount cache information; A discount cache sell / buy register unit linked to the individual discount cache manager to register a discount cash transaction reservation information; A selling / buying reservation management unit for managing discount cash selling / buying information registered by the subscriber; An advertiser discount rate management unit that manages a product discount rate through a discount cache provided by an advertiser; A discount payment management unit that manages the subscriber to apply the discount rate presented by the advertiser discount rate management unit after checking the corresponding subscriber information when purchasing a specific product; A discount cache lottery management unit that checks the lottery status of the slot bar granted to the discount cache and manages information according to whether or not to win; A buyer profile DB for storing personal information of the buyer; A discount cache DB for each buyer that stores discount cache information secured for each buyer; An individual DB for storing product advertisement or discount advertisement data provided for each individual; A discount cache transaction DB for classifying and storing product purchase information through a discount cache for each buyer; A payment DB for storing payment information on the remaining payment amount discounted through the discount cache; A product-specific discount rate DB for storing product-specific discount rate information provided by the advertiser; The discount cash information provided for each buyer is classified and registered for each buyer, and the data and the price are brokered so that the discount cash can be sold and the card information provided to the card authentication server at the time of the buyer's payment is interfaced with the corresponding payment price. Controls to automatically apply discount rate by judging whether the discount is available, and to output the product information and advertisement that can be purchased through the discount cache differentiated for each buyer according to the type and discount rate of discount cash secured by each buyer. Provided is an advertisement and payment system using a discount cache consisting of.

Preferably, the individual discount cache providing server is provided with an advertisement and payment system using a discount cache, characterized in that further comprising processing to receive a discount cache for the pre-purchased reservation for each purchaser terminal side.

Preferably, the individual discount cache providing server is provided with an advertisement and payment system using a discount cache, characterized in that further comprising processing to output different event information provided by the advertiser to each buyer terminal.

Preferably, the individual discount cache providing server is provided with an advertisement and payment system using a discount cache, characterized in that it further comprises processing to apply a discount rate for the purchase of goods by differentially for each buyer.

Preferably, the individual discount cache providing server is the total discount disclosure rate information provided by the product provider, the personal highest purchase discount rate information representing the highest rate that the individual can receive a discount on the product, and the discount rate exhausted by the purchase And a separate database further including distribution discount rate information for outputting discount rate information currently circulated, information on expiration date of the Magic Cash, pre-purchase redemption history information, pre-purchase redemption period information, and fee information. Provided is an advertisement and payment system using a discount cache, characterized in that the configuration.

Preferably, the individual discount cache providing server provides differentiated information for purchasers registered as items of interest according to the buyer's purchase inclination according to the face value of the discount cache and the purchase tendency of the buyer according to the discount cache information for each buyer. And, there is provided an advertisement and payment system using a discount cache, characterized in that the payment algorithm is built so that payment is possible on the web page that the information is output.

Preferably, the individual discount cache providing server (IDCPS) by the DB to enable the extraction of data by advertisers, affiliates of advertisers, products for sale by advertisers, advertisers, buyers by advertisers and advertisers affiliates respectively In addition, an advertisement and payment system using a discount cache is provided, which is classified and constructed to identify an entry status and a sale product for each sale product.

Preferably, the individual discount cache providing server (IDCPS) is to grant the administrator ID and password to the advertising company administrator to access or load the information and image data of the specific product provided for each buyer by access from each advertiser. An advertisement and payment system using a discount cache is provided.

On the other hand, the present invention provides a process for providing a discount cache information to the individual discount cache providing server advertising server; A buyer watching an advertisement or purchasing a product of an advertisement company; Providing a discount cache including discount rate and payable face value information to the buyer; Storing the discounted cache information separately for each buyer; Transmitting the card information by the corresponding buyer for card payment; Determining whether there is a discount cache of the corresponding buyer; Recalculating the settlement amount by applying the discount rate to the settlement amount; Making a card settlement of the amount of the rearrangement; There is provided an advertisement and payment method using a discount cache, characterized in that the process of transmitting the payment processing information to the buyer side.

Preferably, an advertisement and payment method using a discount cache is provided, further comprising the step of providing product information and discount rate information that can be purchased with the current discount cache for each buyer according to the discount cache information of the buyer.

Preferably, when the buyer's discount rate is less than a certain amount, the buyer applies for a pre-purchase to receive a discount cache in advance in a loan method; Determining whether the redemption date of the discount cache has arrived; Notifying the buyer that the redemption date has arrived; Advertisers and payment methods using a discount cache, characterized in that the buyer further comprises the process of repaying the loan discount cash in cash or discount cash.

Preferably, an advertisement and payment method using a discount cache is provided so that a buyer can compare the amount to be repaid with the discount cash selling information so as to select and repay a small expense.

Preferably, the purchaser further includes a process of determining whether to pay at the face value given to the discount cache or to pay according to the discount rate given to the discount cache when the payment is made to the discount cash for the specific product. An advertisement and payment method using a discount cache is provided.

Preferably, the advertisement company is provided with an advertisement and payment method using a discount cache, characterized in that can provide differentiated individual advertisement by time zone, region, occupation, age for each buyer.

Preferably, the discount cache is provided with an advertisement and payment method using a discount cache, characterized in that it is possible to determine the discount rate and the face value of the discount cache of the individual discount cache providing server or advertiser.

Preferably, the process of determining whether or not the period of discount granted to each discount cache has passed; An advertisement and payment method using a discount cache is provided, further comprising a process of deleting an image of a company or a product of the discount cache.

Preferably, the process of applying for a discount cache for a specific company or product before the buyer is granted a discount cache; The buyer makes the payment; Granting the applied discount cache; Storing the discount cache grant history; Determining whether the corresponding buyer purchases the item using the discount cache; Notifying the advertising company whether to purchase the product through the discount cache; A simple transfer of the discount cache provides an advertisement and payment method using the discount cache, characterized in that the process further comprises a process of granting a penalty to the buyer.

On the other hand, the present invention is a mobile terminal with an IC chip embedded therein; A card payment terminal having an IC chip reader embedded therein so as to read card information from the IC chip of the mobile terminal in a contact manner; An advertisement company server for providing a plurality of buyers with a discount cache in which a company logo and specific product information are displayed in exchange for product purchase or advertisement viewing; A card authentication server which is connected with a plurality of financial servers and receives card information and payment information from the card payment terminal and performs card authentication processing for credit payment; Provides a discount cache provided by the advertiser between the card payment terminal, the advertiser server, and the card authentication server, and provides the buyer with the discount information and discountable product information. An individual discount cache providing server which reads the discount cache information and automatically makes a payment through the card authentication server for the applied discount amount, and brokers the sale of the discount cache secured by the buyer; Using a discount cache comprising a first database for storing the discount cache information secured for each buyer and the discount cache reservation information reserved for the sale / purchase of the current discount cache provided in the individual discount cache providing server for each individual An advertising and payment system is provided.

In addition, the present invention provides a process for registering a sale or purchase information for the discount cache for a specific buyer to a third party; Comparing and determining whether the seller's sell or buy information on the discount cache is matched; Performing a sell buy process when the sell buy condition is matched; There is provided an advertisement and payment method using a discount cash, characterized in that the process of the settlement and transfer process for the purchase price.

Preferably, the advertisement and payment method using a discount cash, characterized in that further comprising the step of transmitting the real-time buying information to the seller and the buyer of the discount cache before the seller buy processing if the seller buy conditions match Is provided.

Preferably, the face value of the discount cash provided to the buyer is provided in proportion to the amount of the purchase price of the goods of the buyer is provided with an advertisement and payment method using a discount cache.

Preferably, a discount validity period of the discount cache is given a fixed period so that the discount rate for the product is not applied, and only refunded to the face value, the advertising and payment method using the discount cache This is provided.

EMBODIMENT OF THE INVENTION Hereinafter, the 1st Embodiment of this invention is described in detail with reference to drawings.

1A, 1B and 1C are block diagrams illustrating the configuration of an advertisement and payment system using a discount cache according to a first embodiment of the present invention.

Referring to this, the advertisement and payment system using the discount cache according to the first embodiment of the present invention provides product information that can be purchased with the corresponding discount cache for each buyer who has obtained the discount cache, thereby enhancing the willingness to purchase the product and allow the buyer to advance. Make a purchase plan.

At this time, the discount cash (aka, Magic Cash) exemplified in the present invention is similar to the slot coupon exemplified in the patent filed by the applicant first, in the present invention, the concept of payment and advertising, lottery, reserve, sale, payment means Including the purchase, the buyer can be provided in exchange for the purchase of goods or in exchange for watching advertisements to perform lottery, accumulation, and payment.

Further, the advertisement and payment system using the discount cache according to the first embodiment of the present invention automatically discounts the purchase of the product by the discount cache secured by the buyer in advance through the confirmation and authentication of the buyer when the product is purchased offline. This reflected payment is to be made, and real-time settlement for it is made.

Meanwhile, the present invention registers discount cache information secured by buyers and discount cache information reserved for current sell / buy, and enables real-time confirmation of registered sales and reservation information, and the current distribution of discount cache information secured by buyers. And by registering the buyer to confirm the discount cache information exhausted after the purchase is completed in real time, so that the buyer can make a purchase plan using the discount cache.

To this end, the first embodiment of the present invention, as shown in Figure 1a, is provided in the merchant, such as a card payment terminal (CD1 ~ CDn) for reading the card information of the buyer. In addition, the present invention is configured to request advertising to be printed by the company's logo printed on the discount cache, the advertiser's server (AS1 ~ ASn) that provides a variety of product information that can be purchased by applying a discount rate to the discount cache .

In addition, a card authentication server (CCCS), which is connected with a plurality of financial servers BS1 to BSn and receives card information and payment information from the card payment terminals CD1 to CDn, performs card authentication processing for credit settlement. It is provided.

On the other hand, the present invention provides a discount cache provided from the advertising provider between the card payment terminals (CD1 ~ CDn), the advertising server (AS1 ~ ASn), the card authentication server (CCCS), the discount information, discount Providing possible product information to the buyer, reading the discount cache information secured by the buyer when the buyer pays the card, and automatically applying the discounted amount to the credit settlement through the card authentication server (CCCS), and the discount secured by the buyer An individual discount cache providing server (IDCPS) for brokering cash transactions is provided.

The individual discount cache providing server IDCPS may register the discount cache information secured for each buyer and the discount cache reservation information for the purchase / purchase of the current discount cache in the first database DB1. 1 Allows the buyer to check the real-time reservation information registered in the database (DB1) in real time, and the remaining discount cache information except for the current distribution volume of the discount cache information acquired for each buyer and the discount cache exhausted after the purchase is completed. So that you can register.

Meanwhile, the individual discount cache providing server (IDCPS) provides unique product information for each individual, and the product information may be purchased according to the face value of the discount cache secured by each buyer or according to the purchase tendency of the corresponding buyer. Since it is about the purchased goods registered as the item of interest, the individual discount cache providing server (IDCPS) outputs the corresponding products on the web page output due to the purchaser's login, and the product can be immediately purchased from the web page. In this case, the discount cache may be purchased by applying a discount rate when purchasing a specific product, but may be settled at a face value given to the discount cache.

That is, the purchaser may decide whether to pay at the face value given to the discount cache or to apply the discount rate applied to the discount cache when paying the discount cash for the specific product.

At this time, the individual discount cache providing server (IDCPS) can be provided to the buyer by adjusting the face value of the discount cache differentially according to the large and small amount of the payment price paid by the buyer through the card payment terminals (CD1 ~ CDn). For example, when the buyer pays the product purchase price of 50,000 won compared to when the buyer pays the product purchase price of 10,000 won, the discount cash having a face value of 5 times can be provided to the buyer.

In addition, FIG. 1A shows the payment for the direct purchase of goods on-line through the card payment terminals CD1 to CDn. When the buyer pays cash, the buyer pays cash inside the card payment terminals CD1 to CDn. A separate algorithm for generating buyer confirmation data may be built in, and a separate cash payment button (not shown) may be configured in the card payment terminals CD1 to CDn.

Therefore, the card information is read from the card C1 to Cn of the purchaser using the card payment terminals CD1 to CDn, and then the key discount signal for the cash payment of the buyer is combined to provide the individual discount cache providing server IDCPS. The individual discount cache providing server (IDCPS) is processed to confirm the buyer through the card information to provide a discount cache for payment. That is, according to the above-described method, it is possible to provide a discount cache for not only online but also offline payment and cash payment.

FIG. 1B is a diagram illustrating the configuration of online goods purchase through the purchaser terminals A1 to An and the settlement thereof. Referring to this, when a purchaser makes a purchase online through the terminals A1 to An, Individual discount cache providing server (IDCPS) provides a discount cache to the buyer in proportion to the payment amount.

Discount cache is provided by the advertisement server (AS1 ~ ASn) to activate the advertising price and product sales, the individual discount cache providing server (IDCPS) is automatically provided by using the buyer's card information when providing, managing, and payment Process the discount rate.

Meanwhile, in FIG. 1C, when the ARS module (ARSM) is embedded in the individual discount cache providing server (IDCPS), when the buyer orders and pays the goods through the telephone terminals T1 to Tn, the discount cache is provided to the corresponding buyer. When the buyer subsequently orders and pays for the product to which the discount cache's discount rate applies, the IDCPS automatically pays for the product to the buyer. Ensure that the discount rate is applied to

In this case, the individual discount cache providing server (IDCPS) may apply the discount rate only to the company product of the logo posted in the discount cache. In addition, the discount cache refers to a value means provided to the buyer as a price for advertising viewing, and the face value that can be converted into cash is displayed. In addition, the discount rate may be applied to only some of the discount caches.

If the discount cache is limited to only a portion of the discount cache to allow the discount rate to be applied to the price of the product, only the discount cache to which the discount rate is applied is transferable. This is because discount cash without discount rate has a fixed value at face value and the value does not change due to the difference between buyer and seller.

On the other hand, the individual discount cache providing server (IDCPS), when building the database, by setting up a DB to extract data by advertisers, affiliates of advertisers, products for sale by advertisers, advertisers, buyers You can check the status of entry and sales by advertisers, affiliates, and sales products.

2A and 2B illustrate a data processing state processed through an advertisement and payment system using a discount cache according to a first embodiment of the present invention.

Referring to this, in the advertisement and payment system using the discount cache according to the first embodiment of the present invention, the advertiser 100 may provide a differentiated advertisement for each buyer. To this end, the individual discount cache providing server (IDCPS) provides the discount cache acquired by each buyer to be viewed for each buyer, and provides information on the goods that can be purchased with the discount cache acquired by each buyer for each buyer.

In addition, the individual discount cache providing server (IDCPS) provides the product information and the discount cache information when the buyer registers the information on the desired product to purchase in advance. In other words, the buyer can provide information on the discount rate of the product, and how much discount cache should be obtained in order to obtain the discount rate. Therefore, buyers can plan purchases for the products they wish to purchase, and advertisers frequently see the logos displayed in the discount cache as buyers browse to check their discount caches, thereby increasing indirect advertising effects. It becomes possible.

On the other hand, at a price range other than the distribution margin, the buyer can make a purchase, and the advertiser can make a direct deal with the consumer together with the company or the product advertisement.

To this end, as shown in FIG. 2A, the advertiser 100 registers information on the discount cache, discount information, and product information provided by the advertiser in the second database DB2 of the individual discount cache providing server IDCPS. The individual discount cache providing server IDCPS registers the discount cache information and the buyer information provided for each buyer in the first database DB1.

Accordingly, the individual discount cache providing server (IDCPS) provides not only information about discount caches acquired for each subscriber 200a to 200n, but also information on products desired by the subscribers 200a to 200n. Provides information on products that can be purchased with the discounted cash. In addition, when the individual discount cache providing server (IDCPS) wants to sell the discount caches acquired by each of the subscribers 200a to 200n, the third party may register the desired discount cache information and the desired price information on the sale and then view it by a third party. It also provides mediation and payment.

FIG. 2b shows that the individual discount cache providing server IDCPS is any one of a card payment terminal CD1, a subscriber terminal A1, and a phone T1 for ARS payment and a card authentication server CCCS. A diagram showing a data processing state of automatically applying a discount rate between the card information and the payment information from one of the card payment terminal CD1, the subscriber terminal A1, and the phone T1. When authorized to the discount cache providing server (IDCPS) side, the individual discount cache providing server (IDCPS) reads the buyer's discount cache information from the first database (DB1) based on the card information.

In addition, the individual discount cache providing server (IDCPS) checks the merchant or product provider information included in the payment information to determine whether the discount rate is applicable. If the product that the buyer wants to purchase or the company that wants to pay the payment is a special affiliate store, the actual amount is calculated by applying the discount rate to the payment and the discount cash information is settled.

Then, the individual discount cache providing server (IDCPS) to provide the actual payment amount information and card information to the card authentication server (CCCS) to perform the authentication and then credit payment. Then, the payment processing information is transmitted to the card payment terminal CD1, the subscriber terminal A1, and the phone T1 so that the buyer can check the discount information.

In this case, the purchaser does not have to check the sales clerk in the state of possessing a discount coupon at the time of purchase of the product, and the discount processing is automatically performed even without presenting a specific card or the like to confirm the discount. In addition, the buyer can check the discount cache that he owns frequently see the company logo posted in the discount cache, the advertising effect is very large.

3 is a block diagram illustrating a configuration of an individual discount cache providing server of an advertisement and payment system using a discount cache according to a first embodiment of the present invention.

Referring to this, the individual discount cache providing server (IDCPS) is a communication module, the individual magic cache management unit, the magic cache sell / buy registration unit, sell / buy reservation management unit, advertiser discount management unit, discount payment management unit, magic cash lottery management unit therein It consists of a buyer's personal DB, a buyer's magic cache DB, an individual advertisement DB, a magic cache transaction DB, a payment DB, a product discount rate DB, and a controller.

At this time, the magic cache is another expression of the discount cache.

More specifically, reference numeral 2 denotes a communication module for performing data communication for the card payment terminals CD1 to CDn and the subscriber terminals A1 to An, the telephones T1 to Tn, and the card authentication server CCCS. Indicates.

Reference numeral 4 denotes an individual magic cache management unit for managing individual magic cache information, and reference numeral 6 is linked to the personal magic cache management unit 4 so as to allow the subscriber to register the Magic Cash transaction reservation information. Represents a register.

Reference numeral 8 denotes a sell / buy reservation management unit that manages the purchase / purchase information of the Magic Cash registered by the subscriber, and reference numeral 10 denotes an advertiser discount rate management unit that manages the product discount rate through the magic cache provided by the advertiser.

Reference numeral 12 denotes a discount payment management unit that manages a subscriber to apply the discount rate presented by the advertiser discount rate management unit 10 after checking the corresponding subscriber information when purchasing a specific product, and reference numeral 14 denotes a slot bar assigned to the magic cache. Check the status of the draw indicates the Magic Cash draw management unit that manages the information according to whether or not to win.

Reference numeral 16a denotes a buyer's personal DB which stores personal information of the buyer, reference numeral 16b denotes a buyer's magic cache DB which stores the magic cache information secured by each buyer, and reference numeral 16c denotes a product provided for each individual. Represents an individual advertisement DB for storing advertisement or discount advertisement data. Since the payment algorithm is further included in the individual advertisement DB 16c, the individual discount cache providing server (IDCPS) may provide the individual shopping mall to the buyer. Will be. That is, the buyer can immediately make a payment for a particular item on the web page of the buyer's magic cache information and the product information or company information extracted from the individual advertisement DB 16c.

In addition, the advertising company is given a separate administrator ID and password to load the information and image data of a specific product in the individual advertising DB (16c), the fixed period of the fixed period, the future possible management period If the elapsed time is passed, the administrator ID and password are updated. In this case, the manager of the advertising company freely accesses the individual advertisement DB 16c to perform management such as updating various product information and image data.

In addition, the individual advertisement DB 16c may provide various advertisement data by an advertisement company. In this case, the individual discount cache providing server IDCPS may transmit some data of the buyer's personal DB 16a to the corresponding advertiser. Advertisers can provide differentiated personal advertisements by time zone, region, occupation, and age.

In other words, time-of-day advertisements are advertisements that allow the corresponding buyers to mainly advertise in the time zones for accessing the computer, and the advertisements for a single buyer may be different for morning, lunch, dinner, and night depending on the time zone.

Reference numeral 16d denotes a Magic Cash Transaction DB that stores and stores product purchase information through Magic Cash for each buyer, and reference numeral 16e denotes payment information for the remaining payment amount discounted through Magic Cash or the advertisement DB for each individual (16c). ) Represents a payment DB for storing payment information for the goods stored in the product, and reference numeral 16f indicates a product-specific discount rate DB for storing product-specific discount rate information provided by the advertiser.

Reference numeral 18 classifies and registers the Magic Cash information provided for each buyer by each buyer, performs data and payment brokering so that the Magic Cash can be traded, and is provided to the card authentication server (CCCS) when the buyer pays. The card information is interfaced to determine whether a discount is available for the corresponding payment, and the discount rate is automatically applied. The product information that can be purchased through the differentiated Magic Cash for each buyer according to the type and discount rate of the Magic Cash secured by each buyer And a controller for controlling an advertisement to be output, and for performing a payment process so that a buyer can make an immediate payment on a web page on which product information extracted and provided through the individual advertisement DB 16c is output.

4A and 4B illustrate individual web processing screens of an advertisement and payment system using a discount cache according to a first embodiment of the present invention.

Referring to this, when a buyer accesses the individual discount cache providing server (IDCPS) using the terminals A1 to An, the individual discount cache providing server (IDCPS) is secured by the buyer based on the login information of the buyer. One magic cache information is differentially provided as shown in FIG. 4A.

Magic cache information (22, 24) obtained by the buyer is largely output on the magic cache page screen 20 output to the web browsers of the buyer terminals A1 to An, and the magic cache information is displayed in the product information output column 30 ), A product image information field 26, a discount rate information field 28 obtained by the buyer of the product, a golden cache information field 32, a current total amount of magic cache information 34, , The golden cash quantity information field 36a and the magic cash quantity information field 36b, and a 'shopping basket' button 38 for generating a purchase request signal when the corresponding product is purchased is output. In addition, the pre-purchase request button 40 and the event button 42 are formed, respectively. At this time, in the case of the shopping cart button 38, as a means for the buyer to immediately make a payment using the magic cache on the web page, the present invention deviates from the existing advertising concept, and is not a form of a simple advertisement but a credit processing. Of course, payment processing can be performed on one web page.

To this end, the individual discount cache providing server (IDCPS) provides a unique product information for each individual, the product information is based on the purchase value of the product or the purchase tendency of the buyer according to the face value of the discount cache secured by each buyer in advance Accordingly, since it is about a purchased product registered as an item of interest, the individual discount cache providing server (IDCPS) outputs the corresponding products on the web page output due to the purchaser's login and makes the product immediately available for purchase on the web page. In this case, the discount cache may be purchased by applying a discount rate when purchasing a specific product, but may be settled at a face value given to the discount cache.

Therefore, the advertising company can build a personal shopping mall at a low price, and become a form of entering the individual shopping mall, and the discount cache provided in the shopping mall is an advertisement function of the advertising company, a function of transferring the discount rate through the sale of the discount cache, It is possible to build a new concept Gwanggyo shopping mall that includes both a function of accumulating the face value granted to the discount cache and a payment function through the discount cache.

On the other hand, the individual discount cache providing server (IDCPS), when building the database, by setting up a DB to extract data by advertisers, affiliates of advertisers, products for sale by advertisers, advertisers, buyers You can check the status of entry and sales by advertisers, affiliates, and sales products.

In this case, the golden cache is a cache having a larger face value than the general magic cache, and the advertiser requests the individual discount cache providing server (IDCPS) to provide the buyer with an additional golden cache for each predetermined amount of magic cache. Can provide. In this case, the golden cache or the magic cache is preferably randomly provided to a particular buyer during the process of accessing the advertiser's site or the individual discount cache providing server (IDCPS).

As the accumulated amount of the Magic Cash or Golden Cash increases, the discount rate for the corresponding product also increases. Therefore, the buyer can immediately recognize how much the product can be purchased at a discount with the Magic Cash or Golden Cash secured by him.

In addition, in the present invention, when purchasing a product listed in the corresponding cash, a predetermined face value is described in addition to the magic cache or the golden cache to which a discount rate can be applied, and a brand cache that can make a payment for the value of the face value is Is provided. The amount of face value is described in the Golden Cash or Magic Cash, and the discount rate can be applied, but the brand cache has only the value of the face value, and no separate discount rate is applied.

In summary, the discount cache proposed in the present invention may determine the discount rate of the individual discount cache providing server (IDCPS) or the advertiser's discount cache arbitrarily, and the face value may be arbitrarily determined and provided to the buyer.

Here, the pre-purchase application means that when the total amount of the Magic Cash or Golden Cash for a specific product is insufficient, the Magic Cash for the product is provided in advance in the form of a loan so that the product can be purchased. The IDCPS shall be executed at a discount cache providing server, and the cash should be repaid by the contracted date. Therefore, the buyer may secure the magic cache or purchase the magic cache. If other buyers are not willing to buy the product, they will try to sell the Magic Cash, so it is preferable to buy it by a buyer who is obligated to pay it if the quantity sold for the product is registered at a price less than the face value.

When the magic cache image or the corresponding product image 26 is clicked in FIG. 4A, a screen 50 including the cache disclosure popup window 52 as shown in FIG. 4B is output, and the cache disclosure popup window 52 is displayed. A total discount rate information field 54a provided by the product provider (for example, Sony), and a personal maximum discount rate information field 54b indicating the highest rate at which an individual can discount the product. , A discount rate information field 54c for outputting discount rate information excluding the discount rate exhausted by purchase, a validity period information field 54d of the magic cache, a pre-payment redemption history information field 54e, and a pre-purchase The repayment period information field 54f and the commission information field 54g to be provided to the individual discount cache providing server IDCPS for pre-purchase.

The usage validity information field 54d of the magic cache means a discount validity period that can be discounted using the magic cache. If the discount validity period has elapsed, the magic cache has a face value (eg, 12,000 won). ), The Magic Cash is not available for sale.

At this time, the individual discount cache providing server (IDCPS) separately manages information on the validity period of each discount cache secured by the buyer. That is, the individual discount cache providing server (IDCPS) is built a database so as to check in real time that the buyer's discount cache has exceeded the discount available period. In other words, if a lost discount cache that has passed the discountable period is generated, the system is constructed so that the data can be immediately checked.

On the other hand, the individual discount cache providing server (IDCPS) for the discount cache has passed the expiration date of the discount is a means that the discount cache is not applicable to the discount rate for the purchase of the product, only the value of the face value, so that the individual web page It is preferable to delete the product information and the image of the discount cache on the screen.

In addition, the event button 42 illustrated in FIG. 4A is an event button 42 that enables the advertiser to provide a differentiated event for each buyer. In this case, the advertiser selectively provides an event according to a purchasing tendency and the like. More discounts or benefits can be provided to buyers. However, even in this case, since the corresponding event information is output only when the buyer clicks on the event button 42, the buyer should always click the event button 42 frequently.

The function and operation of the advertisement and payment system using the discount cache according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

5A, 5B, and 5C are signal flow diagrams illustrating signal flows of an advertisement and payment system using a discount cache according to a first embodiment of the present invention.

First, the advertisement company servers AS1 to ASn provide discount cache (= magic cache) information to the individual discount cache providing server IDCPS. In this case, the discount cache information provided from the advertisement server servers AS1 to ASn and registered in the individual discount cache providing server IDCPS includes information on how much to supply a discount cache having a total face value, and a discount rate of each discount cache. Information and the maximum discount information that the individual can receive the maximum discount for each product is registered in the individual discount cache providing server (IDCPS) (S1).

With the registration of the discount cache information for the individual discount cache providing server (IDCPS) is completed, the buyer accesses the individual discount cache providing server (IDCPS) or the advertising company server (AS1 to ASn) to watch the advertisement or the individual When the product of the corresponding advertiser is purchased through the discount cache providing server (IDCPS) (S2), the individual discount cache providing server (IDCPS) provides the discount cache to the corresponding buyer and provides the information to the corresponding buyer ( S3).

At this time, the individual discount cache providing server (IDCPS) can select the company or product type posted in the discount cache received due to payment of the product price according to the buyer's request, the buyer is the individual discount cache providing server ( IDCPS) may apply to provide discount cash for a specific company or item when paying for the purchase price.

Basically, in principle, the discount cache is provided at random within the individual discount cache providing server (IDCPS), but in order to provide a buyer to a real buyer, the present invention applies to providing a discount cache for a specific company or product. Limited discount cash is provided only. The discount cache offer history is stored in the individual discount cache providing server (IDCPS) to check whether the corresponding buyer actually purchases the product using the discount cache or whether the discount cache is simply sold.

The individual discount cache providing server (IDCPS) can check whether or not to purchase the product using the discount cache, or simply sold the discount cache, as well as the distribution of the discount cache, This is because the sale is made in the individual discount cache providing server (IDCPS).

Therefore, the individual discount cache providing server (IDCPS) can determine the actual purchase amount due to the discount cache and transmit it to the advertiser in advance, and can determine whether the actual purchase is made. Advertisers can also use this data to determine the buyer's propensity to buy, as well as to build up data on the effectiveness of advertising through a discount cache.

If it is determined by the individual discount cache providing server (IDCPS), if a buyer who receives a desired discount cache does not make a real purchase using the discount cache, a separate penalty is granted to the buyer. For example, a penalty such as personally raising the fee rate required for payment by the individual discount cache providing server (IDCPS) may be given when the discount cache is sold or preempted.

In this state, when the buyer pays the card to the card payment terminals CD1 to CDn provided offline, such as an affiliate store (S4), the card payment terminals CD1 to CDn discount the card information and payment information for each individual. Send to the cache providing server (IDCPS) (S5).

Then, the individual discount cache providing server IDCPS reads the discount information of the buyer matching the corresponding card information from the first database DB1 therein to determine whether the discount rate is applied, and if applicable, the discount rate. Is applied to the settlement price to be recalculated (S6).

The individual discount cache providing server IDCPS transmits settlement payment information and card information to the card authentication server CCCS. Then, the card authentication server (CCCS) performs the authentication based on the card information (S7), and then transmits the payment information and the credit request signal to the financial server (BS1 ~ BSn) (S8).

When the credit settlement is completed in the financial servers BS1 to BSn, the financial servers BS1 to BSn transmit the confirmation information on the completion of payment processing to the card authentication server CCCS (S9), and the card authentication server ( CCCS) transmits the payment processing information to the individual discount cache providing server (IDCPS) (S10).

The individual discount cache providing server IDCPS transmits the payment processing information and the discount information to the card payment terminals CD1 to CDn (S11) and outputs it as a receipt (S12). When the data processing is completed, the financial server (BS1 ~ BSn) will pay the sale price for the product to the advertiser (S13).

FIG. 5B is a flowchart illustrating a signal flow for transmitting individual product information and advertisement data and performing payment. First, the advertisement company servers AS1 to ASn use a discount cache (= magic) to the individual discount cache providing server IDCPS. Cache) information S20 and product information S21 are provided. At this time, the individual discount cache providing server (IDCPS) provides the buyer's discount cache holding information for each buyer stored in the first database (DB1) to the advertiser's server (AS1 ~ ASn) at a predetermined period to provide product information from the advertiser. When different buyers can be provided with differentiated product information.

With the registration of the discount cache information and product information for the individual discount cache providing server (IDCPS) is completed, the buyer accesses the individual discount cache providing server (IDCPS) or the advertising company server (AS1 to ASn) to watch an advertisement. Or if you purchase the product of the advertising company through the individual discount cache providing server (IDCPS) (S22), the individual discount cache providing server (IDCPS) provides a discount cache to the buyer and the information to the buyer Provide and settle (S23).

In this state, when the purchaser accesses the individual discount cache providing server IDCPS via the subscriber terminals A1 to An, the individual discount cache providing server IDCPS passes the purchaser to the corresponding subscriber terminal A1 to An. Correspondingly, the product information available for purchase at the individual discount rate provided in advance from the advertisement company servers AS1 to ASn is transmitted (S24).

In other words, on the web page that the product information provided by the individual discount cache providing server (IDCPS) is output, the buyer can make payments directly, and because the product information is differentiated for each buyer, payment of advertisement and product price It can be said that a personal shopping mall is possible. In addition, this web page is also possible to apply for the transfer / transfer of the discount cache is a new complex advertising / discount cash sale / shopping mall.

If a product purchase request signal from the corresponding buyer is transmitted to the individual discount cache providing server (IDCPS) including card information (S25), the individual discount cache providing server (IDCPS) reads the discount rate information of the corresponding buyer and corresponds to the corresponding buyer. It is determined whether or not the discount rate for the product is applied, and if applicable, the discount rate is applied to the payment price and recalculated (S26).

The individual discount cache providing server IDCPS transmits settlement payment information and card information to the card authentication server CCCS. Then, the card authentication server (CCCS) performs the authentication based on the card information (S27), and then transmits the payment information and credit request signal to the financial server (BS1 ~ BSn) (S28).

When the credit settlement is completed in the financial servers BS1 to BSn, the financial servers BS1 to BSn transmit the confirmation information about the completion of payment to the card authentication server CCCS (S29). CCCS) transmits the payment processing information to the individual discount cache providing server (IDCPS) (S30).

The individual discount cache providing server IDCPS transmits the payment processing information and the discount information to the subscriber terminals A1 to An to output the screen (S31). When the data processing is completed, the financial server (BS1 ~ BSn) will pay the sale price for the product to the advertiser (S32).

Meanwhile, FIG. 5C illustrates a signal flow in which a buyer applies for a pre-purchase, receives a discount rate in advance in a loan method, and performs processing thereof when the discount rate of the buyer is less than or equal to a predetermined amount. The individual discount cache providing server (IDCPS) provides a discount cache (= magic cache) information (S40) and product information (S41). At this time, the individual discount cache providing server (IDCPS) provides buyers with discount cache retention information for each buyer stored in the first database (DB1) to the advertiser server (AS1 ~ ASn) at a predetermined period to provide product information from the advertising company. When different buyers can be provided with differentiated product information.

With the registration of the discount cache information and product information for the individual discount cache providing server (IDCPS) is completed, the buyer accesses the individual discount cache providing server (IDCPS) or the advertising company server (AS1 to ASn) to watch an advertisement. Or if you purchase the product of the advertising company through the individual discount cache providing server (IDCPS) (S42), the individual discount cache providing server (IDCPS) provides a discount cache to the buyer and the information to the buyer Provide and settle (S43).

In this state, when the purchaser accesses the individual discount cache providing server IDCPS via the subscriber terminals A1 to An, the individual discount cache providing server IDCPS passes the purchaser to the corresponding subscriber terminal A1 to An. The product information and pre-purchase condition information corresponding to the above-mentioned and available at an individual discount rate previously provided from the advertisement company servers AS1 to ASn are transmitted (S44).

If the product purchase request signal and the pre-purchase request signal from the corresponding buyer are transmitted to the individual discount cache providing server (IDCPS) including card information (S45) (S46), the individual discount cache providing server (IDCPS) is the corresponding buyer. The discount rate information is read to determine whether the discount rate is applied to the corresponding product, and the pre-purchase application information is transmitted to the advertiser server AS1 to ASn (S47). Accordingly, when the advertiser server AS1 to ASn accepts the pre-purchase request (S48), the individual discount cache providing server IDCPS provides the pre-purchase acceptance information to the terminals A1 to An of the corresponding purchaser (S48). S49).

According to the pre-purchase acceptance information, when the buyer transmits the card information via the terminals A1 to An (S50), the individual discount cache providing server (IDCPS) receives the card information and applies the discount rate to the corresponding product price. The price is recalculated (S51).

The individual discount cache providing server IDCPS transmits settlement payment information and card information to the card authentication server CCCS. Then, the card authentication server CCCS performs authentication based on the corresponding card information (S52), and then transmits the payment information and the credit settlement request signal to the financial servers BS1 to BSn (S53).

When the credit settlement is completed in the financial servers BS1 to BSn, the financial servers BS1 to BSn transmit the confirmation information on the completion of payment processing to the card authentication server CCCS (S54), and the card authentication server ( CCCS) transmits the payment processing information to the individual discount cache providing server (IDCPS) (S55).

The individual discount cache providing server IDCPS transmits the payment processing information and the discount information to the subscriber terminals A1 to An to output the screen (S56).

When the contract period arrives, the individual discount cache providing server IDCPS transmits a payment request signal of the discount cache loaned at the time of pre-purchase to the subscriber terminals A1 to An (S57). Then, the buyer should check the discount cache sell information of the other buyers registered in the individual discount cache providing server (IDCPS), and must purchase a discount cache for the product (S58).

When the buyer purchases a discount cache for the corresponding product, the discount cache is settled for the individual discount cache providing server IDCPS (S59).

At this time, the repayment processing for the discount cache can be repaid in installments for a certain period.

On the other hand, the individual discount cache providing server (IDCPS) separately manages information on the validity period of each discount cache secured by the buyer. That is, the individual discount cache providing server (IDCPS) is built a database so as to check in real time that the buyer's discount cache has exceeded the discount available period. In other words, if a lost discount cache has elapsed beyond the discountable period, the system is constructed so that the data can be immediately checked.

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

6 is a block diagram illustrating a configuration of an advertisement and payment system using a discount cache according to a second embodiment of the present invention.

Referring to this, in the advertisement and payment system using the discount cache according to the second embodiment of the present invention, an IC chip in which card information is embedded in the mobile terminals H1 'to Hn' is embedded, and the corresponding mobile terminal is contacted. The card payment terminals CD1 'to CDn' in which the IC chip reader MCR is embedded are configured to read card information from the IC chips H1 'to Hn'.

Therefore, when the mobile terminals H1'-Hn 'are brought into contact with the card payment terminals CD1'-CDn', the card information of the internal IC chip is read and payment is made. In addition, the discount information processed at this time may be displayed on the mobile terminal (H1 '~ Hn') or output through the receipt of the card payment terminal (CD1 '~ CDn').

The function and operation of the advertisement and payment system using the discount cache according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

7 is a signal flow diagram illustrating a signal flow of an advertisement and payment system using a discount cache according to a second embodiment of the present invention.

First, the advertisement company servers AS1 to ASn provide discount cache (= magic cache) information to the individual discount cache providing server IDCPS. In this case, the discount cache information provided from the advertisement server servers AS1 to ASn and registered in the individual discount cache providing server IDCPS includes information on how much to supply a discount cache having a total face value, and a discount rate of each discount cache. Information and the maximum discount information that the individual can receive the maximum discount is provided for each product and registered in the individual discount cache providing server (IDCPS) (S60).

With the registration of the discount cache information for the individual discount cache providing server (IDCPS) is completed, the buyer accesses the individual discount cache providing server (IDCPS) or the advertising company server (AS1 to ASn) to watch the advertisement or the individual When the product of the corresponding advertiser is purchased through the discount cache providing server (IDCPS) (S61), the individual discount cache providing server (IDCPS) provides the discount cache to the corresponding buyer and provides the information to the corresponding buyer ( S62).

In this state, when the purchaser makes contact with the card payment terminals CD1 'to CDn' provided offline such as a merchant, the mobile terminal H1 'to Hn' reads card information from the internal IC chip (S63). The card payment terminals CD1 'to CDn' transmit corresponding card information and payment information to the individual discount cache providing server IDCPS (S64).

Then, the individual discount cache providing server IDCPS reads the discount information of the buyer matching the corresponding card information from the first database DB1 therein to determine whether the discount rate is applied, and if applicable, the discount rate. Is applied to the settlement price to be recalculated (S65).

The individual discount cache providing server IDCPS transmits settlement payment information and card information to the card authentication server CCCS. Then, the card authentication server CCCS performs authentication based on the corresponding card information (S66), and then transmits the payment information and the credit payment request signal to the financial servers BS1 to BSn (S67).

When the credit settlement is completed in the financial servers BS1 to BSn, the financial servers BS1 to BSn transmit the confirmation information on the completion of payment processing to the card authentication server CCCS (S68), and the card authentication server ( CCCS) transmits the payment processing information to the individual discount cache providing server (IDCPS) (S69).

The individual discount cache providing server IDCPS transmits the payment processing information and the discount information to the card payment terminals CD1 'to CDn' (S70), and the card payment terminals CD1 'to CDn' are mobile terminals. The payment processing information and the discount information are provided at (H1 'to Hn') and displayed on the screen (S71). When the data processing is completed, the financial server (BS1 ~ BSn) will pay the sale price for the product to the advertiser (S72).

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

8 is a block diagram illustrating a configuration of an advertisement and payment system using a discount cache according to a third embodiment of the present invention.

Referring to this, in the advertisement and payment system using the discount cache according to the third embodiment of the present invention, a specific buyer registers the sale or purchase information for the discount cache in an individual discount cache providing server (IDCPS), When the sale or purchase information on the discount cache is registered in the individual discount cache providing server (IDCPS), the individual discount cache providing server (IDCPS) compares and judges whether the corresponding registration information is matched, and within the preset similar range. If such terms and conditions are included, notify each buyer.

In addition, the individual discount cache providing server (IDCPS) is a mobile terminal (H1 ~ Hn) to the mobile terminal (H1 ~ Hn) based on the buyer's personal information stored in the first database (DB1) for prompt confirmation of the sale of the discount cache, each means by the means such as text data Send the trading information of the opponent.

Meanwhile, in the advertisement and payment system using the discount cache according to the third embodiment of the present invention, a specific purchaser registers the sale or purchase information for the discount cache in the individual discount cache providing server (IDCPS), and the discount cache of other buyers. When the sell or buy information for the registered in the individual discount cache providing server (IDCPS), the individual discount cache providing server (IDCPS) compares and determines whether the registration information is matched, if the match automatically sells, A purchase process is performed to broker a sale.

Accordingly, the advertisement and payment system using the discount cache according to the third embodiment of the present invention is provided with a mobile communication server (MCS) for providing specific discount cash sale information to the mobile terminals H1 to Hn.

The function and operation of the advertisement and payment system using the discount cache according to the third embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

9A and 9B illustrate data processing states of an advertisement and payment system using a discount cache according to a third embodiment of the present invention.

Referring to this, the individual discount cache providing server (IDCPS) allows the discount cache buyer request 400 to register by transmitting the purchase information ①, discount cash sellers wish 300 to send each of the selling information to register. ②.

And, the individual discount cache providing server (IDCPS) transmits the transmitted buy information and sell information to each seller and buyer ③, if the buyer transmits the purchase doctor ④ conducts the transaction processing, and the price of the discount cache sell ⑤ to the sender 300.

FIG. 9B illustrates data processing in which an individual discount cache providing server (IDCPS) performs a transaction process by comparing and selling information of a seller on its own in an advertisement and payment system using a discount cache according to a third embodiment of the present invention. The discount cash purchase requester (400) transmits the purchase information to the individual discount cache providing server (IDCPS) to register, and the discount cash purchaser 300 transmits the selling information to the individual discount cache providing server (IDCPS) Register ①.

Then, the individual discount cache providing server (IDCPS) determines whether the selling / buying conditions match, and if the conditions are matched, the sell / buy processing, and the buyer buy information 300 each buyer and buyer Send to 300.

On the other hand, such a discount cache may secure a desired discount cache, or at the time of payment of goods or watching advertisements through the purchase and sale of the transfer of the discount cache, as described above, but is not limited thereto. The discount cache can be secured by the winner through the game.

To this end, although not shown in the present invention, the game data provided by the game company is loaded in the individual discount cache providing server (IDCPS), and the buyers can participate in the game to play the game for each discount cache. The winner may be programmed into the individual discount cache providing server (IDCPS) to take the discount cache in the form of transfer.

Accordingly, even in the case of securing a discount cache through the game, the discount cache is displayed at the upper portion of the game screen, thereby enabling the online game market to be activated by combining the online game market with a personal shopping mall as well as the advertisement of the company. .

Meanwhile, the advertisement and payment system and the method using the discount cache according to the embodiment of the present invention are not limited to the above embodiments, but various modifications can be made without departing from the technical gist of the present invention.

As described above, the advertisement and payment system using the discount cache and the method according to the present invention to increase the desire to purchase goods by separately outputting the product information that can be purchased with the discount cache for each buyer who obtained the discount cache, The purchase plan can be made in advance, and when the product is purchased offline, the discount is automatically reflected to the purchase of the product by the discount cache secured by the buyer in advance through the confirmation and certification of the buyer. Removed the hassle of having to carry a coupon, it is very convenient to use because it is automatically paid without checking whether the discount is available.

In addition, it is effective to promote the distribution of discount cash by registering the discount cache information secured by each buyer and discount cache information for the current sell / buy, and confirming the registered sale reservation information in real time. You can immediately check the discount cash distribution volume of the product, and if you do not have enough discount cash when you purchase a specific product, you can get the discount cash in the form of a loan and later secure the corresponding discount cache to repay the entire transaction. Since the discount rate can be applied to the purchase, the product can be purchased at a low price.

On the other hand, there is an advantage that it is possible to build a new concept individual advertising shopping mall consisting of advertising using a discount cache, the transfer of the discount cache, the accumulation of the discount cash, and the product shopping are one stop on a single web page.

Claims (29)

A card payment terminal for reading card information of a buyer; An advertisement company server for providing a plurality of buyers with a discount cache in which a company logo and specific product information are displayed in exchange for product purchase or advertisement viewing; A card authentication server which is connected with a plurality of financial servers and receives card information and payment information from the card payment terminal and performs card authentication processing for credit payment; Provides a discount cache provided by the advertiser between the card payment terminal, the advertiser server, and the card authentication server, and provides the buyer with the discount information and discountable product information. An individual discount cache providing server which reads the discount cache information and automatically makes a payment through the card authentication server for the applied discount amount, and brokers the sale of the discount cache secured by the buyer; Using a discount cache comprising a first database for storing the discount cache information secured for each buyer and the discount cache reservation information reserved for the sale / purchase of the current discount cache provided in the individual discount cache providing server for each individual Advertising and payment system. The method of claim 1, wherein the first database is registered such that the discounted cash sale reservation information and the discounted cash information secured for each purchaser and the remaining discounted cache information except for the discounted cache exhausted after the purchase is confirmed are registered. Advertising and payment system using a discount cache. The discount cache server of claim 1, wherein the individual discount cache providing server checks the card payment price of the purchaser and adjusts the face value of the discount cache to the buyer according to the amount of the payment price. Cash advertising and payment system. The advertisement and payment system of claim 1, wherein the card information of the buyer read through the card payment terminal is used to identify a buyer for reading the discount cache information of the buyer. [Claim 2] The discount cache according to claim 1, wherein a purchaser terminal for inputting and transmitting card information or a phone terminal for generating a key input signal for ARS product purchase may be selectively included instead of the card payment terminal. Advertising and payment system. The system of claim 1, wherein the discount cache information provided to the buyer by the individual discount cache providing server includes discount rate information, discountable product information, and discountable purchase period information. The method of claim 1, wherein the individual discount cache providing server comprises: a communication module for performing data communication; An individual discount cache manager for managing individual discount cache information; A discount cache sell / buy register unit linked to the individual discount cache manager to register a discount cash transaction reservation information; A selling / buying reservation management unit for managing discount cash selling / buying information registered by the subscriber; An advertiser discount rate management unit that manages a product discount rate through a discount cache provided by an advertiser; A discount payment management unit that manages the subscriber to apply the discount rate presented by the advertiser discount rate management unit after checking the corresponding subscriber information when purchasing a specific product; A discount cache lottery management unit that checks the lottery status of the slot bar granted to the discount cache and manages information according to whether or not to win; A buyer profile DB for storing personal information of the buyer; A discount cache DB for each buyer that stores discount cache information secured for each buyer; A personal advertisement DB for storing product advertisement or discount advertisement data provided for each individual and including a payment algorithm; A discount cache transaction DB for classifying and storing product purchase information through a discount cache for each buyer; A payment DB for storing payment information on the remaining payment amount discounted through the discount cache; A product-specific discount rate DB for storing product-specific discount rate information provided by the advertiser; The discount cash information provided for each buyer is classified and registered for each buyer, and the data and the price are brokered so that the discount cash can be sold and the card information provided to the card authentication server at the time of the buyer's payment is interfaced with the corresponding payment price. Automatically apply the discount rate by judging whether the discount is possible and control the output of product information and advertisement that can be purchased through the differentiated discount cache for each buyer according to the type and discount rate of the discount cache secured by each buyer. Advertisers and payment system using a discount cache, characterized in that the purchaser is configured to perform the payment processing so that payments can be made immediately on the web page that the product information is extracted and provided through the individual advertisement DB (16c). The system of claim 1, wherein the individual discount cache providing server further comprises a process of pre-committing a reservation purchase to each purchaser terminal and receiving a discount cache thereof. The system of claim 1, wherein the individual discount cache providing server further comprises processing event information provided by the advertiser to each buyer terminal in a different way for each buyer. The advertisement and payment system of claim 1, wherein the individual discount cache providing server further comprises processing to apply a discount rate for a product purchase by differentiating each buyer. The method of claim 1, wherein the individual discount cache providing server is the total discount disclosure rate information provided by the product provider, the personal highest purchase discount rate information representing the highest rate that the individual can be discounted for the product, and the purchase path A separate database further includes distribution discount rate information for outputting discount rate information excluding the used discount rate, expiration date information of the Magic Cash, pre-purchase redemption history information, pre-purchase redemption period information, and fee information. Advertising and payment system using a discount cache, characterized in that it further comprises. According to claim 1, wherein the individual discount cache providing server according to the buyer's discount cache information according to the buyer's information on the purchase items registered as items of interest according to the purchase value of the discount cache and the buyer's propensity to buy per buyer Advertisement and payment system using a discount cache, characterized in that the payment algorithm is provided so as to discriminately provide, and payment is possible in the web page that the information is output. The method of claim 1, wherein the individual discount cache providing server (IDCPS) is to build a DB to extract data for each advertiser, affiliates of the advertisers, and products for sale by the administrator, advertisers, buyers by advertisers and advertisers respectively Advertisement and payment system using a discount cache, characterized in that it is built and classified so as to check the status of the entry and sales products by affiliates, products sold by. According to claim 1, The individual discount cache providing server (IDCPS) is accessed by each advertising company to load or update the information and image data of the specific product provided by each buyer to each advertising company administrator ID and password Advertising and payment system using a discount cache, characterized in that the grant. Providing, by the advertiser server, discount cache information to the individual discount cache providing server; A buyer watching an advertisement or purchasing a product of an advertisement company; Providing a discount cache including discount rate and payable face value information to the buyer; Storing the discounted cache information separately for each buyer; Transmitting the card information by the corresponding buyer for card payment; Determining whether there is a discount cache of the corresponding buyer; Recalculating the settlement amount by applying the discount rate to the settlement amount; Making a card settlement of the amount of the rearrangement; Advertising and payment method using a discount cache, characterized in that the process of transmitting the payment processing information to the buyer. 16. The method of claim 15, further comprising providing product information and discount rate information that can be purchased with the current discount cache for each buyer according to the discount cache information of the buyer. 16. The process of claim 15, wherein the buyer further decides to pay at the face value given to the discount cache or to pay according to the discount rate given to the discount cache. Advertising and payment method using a discount cache, characterized in that included. 16. The method of claim 15, wherein the advertisers can provide differentiated personal advertisements according to time slots, regions, occupations, and ages for each buyer. 16. The method of claim 15, wherein the discount cache can determine the discount rate and the par value of the discount cache of the individual discount cache providing server or the advertiser. The method of claim 15, further comprising: determining whether a discount period provided for each discount cache has passed; Advertising and payment method using a discount cache, characterized in that further includes the process of deleting the image of the company or product of the discount cache. 16. The method of claim 15, further comprising: applying for a discount cache for a specific company or product before the buyer is granted a discount cache; The buyer makes the payment; Granting the applied discount cache; Storing the discount cache grant history; Determining whether the corresponding buyer purchases the item using the discount cache; Notifying the advertising company whether to purchase the product through the discount cache; Simple transfer of the discount cache The advertising and payment method using a discount cache, characterized in that further comprising the process of granting a penalty to the buyer. 16. The method of claim 15, further comprising: receiving a discount cache in advance by applying for a pre-purchase by applying a pre-purchase when the discount rate of the buyer is less than a predetermined amount; Determining whether the redemption date of the discount cache has arrived; Notifying the buyer that the redemption date has arrived; The buyer further comprises the process of repaying the loan discount cash in cash or discount cash advertising and payment method using a discount cache. 23. The method of claim 22, wherein the buyer compares the amount to be repaid with the discounted cash selling information so that the buyer can select and repay the small expense. A mobile terminal having an integrated IC chip for embedding card information; A card payment terminal having an IC chip reader embedded therein so as to read card information from the IC chip of the mobile terminal in a contact manner; An advertisement company server for providing a plurality of buyers with a discount cache in which a company logo and specific product information are displayed in exchange for product purchase or advertisement viewing; A card authentication server which is connected with a plurality of financial servers and receives card information and payment information from the card payment terminal and performs card authentication processing for credit payment; Provides a discount cache provided by the advertiser between the card payment terminal, the advertiser server, and the card authentication server, and provides the buyer with the discount information and discountable product information. An individual discount cache providing server which reads the discount cache information and automatically makes a payment through the card authentication server for the applied discount amount, and brokers the sale of the discount cache secured by the buyer; Using a discount cache comprising a first database for storing the discount cache information secured for each buyer and the discount cache reservation information reserved for the sale / purchase of the current discount cache provided in the individual discount cache providing server for each individual Advertising and payment system. Registering a sale or purchase information on the discount cache by a specific buyer to be viewed by a third party; Comparing and determining whether the seller's sell or buy information on the discount cache is matched; Performing a sell buy process when the sell buy condition is matched; Advertising and payment method using a discount cache, characterized in that the process consisting of the settlement of the purchase price and the transfer process. 26. The method of claim 25, further comprising: transmitting, in real time, the seller's selling information to the seller and seller of purchase of each discount cache before the seller is processed. Payment Method. 27. The method of claim 25, further comprising: loading game data; Presenting a discount cache so that a plurality of buyers can obtain a discount cache according to the result of the game; Proceeding with the game; Advertising and payment method using a discount cache, characterized in that it can further include the process of automatically presented discount cache to the winner buyer. The method of claim 15, wherein the par value of the discount cache provided to the buyer is provided in proportion to the amount of the purchase price of the product. 16. The advertisement using the discount cache according to claim 15, wherein a discount validity period of the discount cache is given so that a discount rate for the product is not applied when the validity period is expired, and the refund is only refunded at a par value. And payment method.