Payment coupon guide method, computer device and computer program

Abstract

This invention discloses a method, computer device, and computer program for guiding users to download coupons within a payment screen. The coupon guidance method may include: a payment screen display step, displaying the payment screen of the franchise store as the result of scanning the visual encoding pattern of the franchise store; and a coupon download guidance text display step, displaying coupon download guidance text within the payment screen when available coupons have not been downloaded.

Description

[Technical Field]

[0001] The following explains the technology for providing information on franchise store coupons. [Previous Technology]

[0002] With the development of information and communication technology (ICT), ultra-high-speed Internet has become widely popular, and various e-commerce platforms that conduct transactions based on this Internet are being commercialized.

[0003] Recently, in order to promote purchases and sales by both consumers and suppliers on e-commerce platforms, promotional activities are being actively carried out to send discount coupons to consumers to induce purchase intentions.

[0004] As an example of coupon technology, Korean Patent Publication No. 10-2007-0074514 (publication date: July 12, 2007) discloses a technology for providing coupons (e.g., consumer points, discount coupons, tickets, etc.) to areas where customers make frequent payments. [Summary of the Invention]

[0005] Even if a coupon is available, a user interface can be provided to guide the user on whether to download the coupon without their knowledge.

[0006] When scanning the QR code (quick response code) of a franchise store to access the payment screen, a user interface that guides users to download coupons can be provided through the payment screen.

[0007] The present invention provides a method for guiding payment coupons, the method comprising: a payment screen display step, wherein the payment screen of the franchise store is displayed by scanning the visual code pattern of the franchise store; and a coupon download guidance text display step, wherein if the available coupons have not been downloaded, coupon download guidance text is displayed on the payment screen.

[0008] According to one embodiment, in the above payment screen display step, the payment screen can be displayed that includes order information of the franchise store’s waiting payment status obtained by scanning the above pattern.

[0009] According to another embodiment, in the above payment screen display step, the above payment screen can be displayed, which includes franchise store information, product information and payment amount as the franchise store's waiting payment status.

[0010] According to another embodiment, in the above-mentioned coupon download guide text display step, in the case where the above-mentioned payment screen is accessed when the coupon that can be used for payment at the above-mentioned franchise store has not been downloaded, the above-mentioned coupon download guide text can be displayed on the above-mentioned payment screen.

[0011] According to another embodiment, the above-mentioned coupon download guide text display step may include the following steps: after downloading at least one coupon through the above-mentioned payment screen, the above-mentioned coupon download guide text is not displayed in the above-mentioned payment screen.

[0012] According to another embodiment, in the above-mentioned coupon download guide text display step, the above-mentioned coupon download guide text can be displayed on the above-mentioned payment screen for users who have payment records in the above-mentioned franchise stores.

[0013] According to another embodiment, the above-mentioned payment coupon guidance method may further include a coupon catalog provision step. Through at least one processor, if the user selects the coupon download guidance text on the payment screen, a downloadable coupon catalog is provided on the payment screen.

[0014] According to another embodiment, the above-mentioned coupon catalog provision steps may include the following steps: displaying the above-mentioned coupon catalog in sorted order according to discount amount or discount period.

[0015] According to another embodiment, the above-mentioned coupon catalog provision step may include the following steps: if there are coupons for promotional activities that meet predetermined conditions among the coupons included in the above-mentioned coupon catalog, a pop-up window for immediately downloading the corresponding coupon is provided.

[0016] According to another embodiment, the above-mentioned coupon catalog provision step may include the following steps: the above-mentioned coupon catalog is constructed differently based on the user's profile information or payment record, the time information or location information of the time point when the payment screen is accessed.

[0017] The present invention provides a computer program stored in a computer-readable recording medium for enabling a computer device to execute the above-described payment coupon guidance method.

[0018] The present invention provides a computer device including at least one processor for executing computer-readable instructions, wherein at least one of the processors performs the following steps: generating a visual encoding pattern for order information of a franchise store; providing the visual encoding pattern as a personal payment code for the order information; receiving information related to the visual encoding pattern from the user device by scanning the visual encoding pattern through the user device; and providing the user device with information related to available coupons of the franchise store, wherein if the available coupons in the coupons have not been downloaded to the user device, displaying coupon download guidance text on the screen of the user device.

Implementation Method

[0020] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

[0021] This invention relates to the technology of providing information on franchise store coupons.

[0022] In embodiments including the solutions specifically disclosed in this specification, when accessing the final payment screen including the payment amount, the user can be actively encouraged to use the coupon by notifying the user within the corresponding payment screen that a downloadable coupon exists.

[0023] The payment coupon guidance device of this embodiment can be implemented by at least one computer device, and the payment coupon guidance method of this embodiment can be executed through at least one computer device included in the payment coupon guidance device. In this case, a computer program of this embodiment can be set in the computer device and can be driven by the computer device. The computer device can execute the payment coupon guidance method of this embodiment by controlling the driven computer program. In order to be combined with the computer device and execute the payment coupon guidance method in the computer, the above-mentioned computer program can be stored in a computer-readable recording medium.

[0024] FIG1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. In the example of FIG1, the network environment includes multiple electronic devices 110, 120, 130, 140, multiple servers 150, 160, and a network 170. FIG1 is only an example for illustrating the present invention, and the number of electronic devices or servers is not limited to the number shown in FIG1. ​​Furthermore, the network environment of FIG1 is only used to illustrate one example of the environment applicable to this embodiment, and the environment applicable to this embodiment is not limited to the network environment shown in FIG1.

[0025] The multiple electronic devices 110, 120, 130, and 140 can be fixed or mobile terminals embodied in a computer device. For example, the multiple electronic devices 110, 120, 130, and 140 can be smartphones, mobile phones, navigators, computers, laptops, digital broadcasting terminals, personal digital assistants (PDAs), portable multimedia players (PMPs), tablet computers, etc. As an example, Figure 1 shows the shape of a smartphone as an example of electronic device 110. However, in this embodiment of the invention, electronic device 110 can be one of a variety of physical computer devices that actually communicate with other multiple electronic devices 120, 130, 140 and / or servers 150 and 160 via a network 170 using wireless or wired communication methods.

[0026] The communication method is not limited to this. In addition to communication methods that may include the communication network of network 170 (for example, mobile communication network, wired network, wireless network, and broadcast network), it may include short-range wireless communication between multiple devices. For example, network 170 may include any one or more of the following networks: personal area network (PAN), local area network (LAN), campus area network (CAN), metropolitan area network (MAN), wide area network (WAN), broadband network (BBN), and Internet. Furthermore, network 170 may include one or more of the following network topologies: bus network, star network, ring network, mesh network, star-bus network, tree network, or hierarchical network, but is not limited to these.

[0027] Servers 150 and 160 can be implemented by computer devices or multiple computer devices that communicate with multiple electronic devices 110, 120, 130, and 140 via network 170 to provide instructions, code, files, content, services, etc. For example, server 150 can provide services (e.g., payment services) to multiple electronic devices 110, 120, 130, and 140 connected via network 170.

[0028] FIG2 is a block diagram illustrating an example of a computer device according to an embodiment of the present invention. The plurality of electronic devices 110, 120, 130, 140 and the plurality of servers 150, 160 described above can be implemented by the computer device 200 shown in FIG2.

[0029] As shown in FIG. 2, the computer device 200 may include a memory 210, a processor 220, a communication interface 230, and an input / output interface 240. The memory 210, as a computer-readable recording medium, may include random access memory (RAM), read-only memory (ROM), and non-volatile mass storage devices such as disk drives. Unlike the memory 210, non-volatile mass storage devices such as read-only memory and disk drives can be disposed as separate permanent storage devices in the computer device 200. Furthermore, the memory 210 may store an operating system and at least one program code. These multiple software structural elements can be loaded into the memory 210 from a computer-readable recording medium different from the memory 210. Such computer-readable recording media may include floppy disk drives, hard disks, magnetic tapes, DVD / CD-ROM drives, memory cards, and other computer-readable recording media. In another embodiment, the multiple software structural elements may also be loaded into the memory 210 through the communication interface 230, rather than through a computer-readable recording medium. For example, multiple software structural elements can be loaded into the memory 210 of the computer device 200 based on a computer program set up by multiple files received through the network 170.

[0030] The processor 220 can process computer program instructions by performing basic arithmetic, logic, and input / output operations. Instructions can be provided to the processor 220 through memory 210 or communication interface 230. For example, the processor 220 can execute the received instructions using program code stored in a storage device such as memory 210.

[0031] The communication interface 230 can provide a function for communication between the computer device 200 and other devices (e.g., the various storage devices described above) via the network 170. For example, the processor 220 of the computer device 200 can transmit requests or instructions, data, files, etc., generated by program code stored in a recording device such as memory 210 to other devices via the network 170 under the control of the communication interface 230. Conversely, the computer device 200 can receive signals or instructions, data, files, etc., from other devices via the network 170 and using the communication interface 230 of the computer device 200. Thus, signals or instructions, data, etc., received through the communication interface 230 can be transmitted to the processor 220 or memory 210, while files, etc., can be stored in a storage medium (the aforementioned permanent storage device) additionally included in the computer device 200.

[0032] The input / output interface 240 can be a unit for connecting to the input / output device 250. For example, the input device may include a microphone, keyboard, or mouse, and the output device may include a display, speaker, or other similar device. Alternatively, the input / output interface 240 can also be a unit for connecting to a device that integrates input and output functions, such as a touchscreen. The input / output device 250 can also be integrated with the computer device 200 into a single device.

[0033] Furthermore, in another embodiment, the computer device 200 may also include fewer or more structural elements than those shown in FIG. 2. However, it is not necessary to explicitly show most of the prior art structural elements. For example, the computer device 200 may include at least a portion of the input / output devices 250 described above, or it may also include other structural elements such as a transceiver and a database.

[0034] Hereinafter, the technology of guiding users to download coupons within the payment screen will be described through specific embodiments.

[0035] In this specification, coupons, as a payment method in financial technology (FinTech) applications such as quick payment services, refer to discount coupons that deduct a specified amount or percentage from the payment amount.

[0036] In addition to providing coupons based on payment results, such as providing coupons for franchise stores adjacent to the user based on the user's location or providing coupons based on payment compensation through payment linkage, there are other methods of providing coupons, such as providing discounts through linkage with coupons accumulated by offline stores.

[0037] Even if a user has an available coupon, this embodiment can notify the user of the existence of a coupon that can be downloaded and used immediately before the final payment stage, without the user's knowledge.

[0038] The computer device 200 of this embodiment can provide payment services using a dedicated application set on a client or by accessing a webpage / mobile website associated with the computer device 200. A payment coupon guidance device implemented via a computer can be built on the computer device 200. As an example, the payment coupon guidance device can be implemented as a stand-alone program, or it can be configured as an in-app of a specific application, and can operate on the aforementioned specific application.

[0039] The processor 220 of the computer device 200 may be implemented by structural elements for performing the following payment coupon guidance method. According to an embodiment, the processor 220 may selectively include or exclude multiple structural elements of the processor 220. Furthermore, according to an embodiment, in order to realize the function of the processor 220, the multiple structural elements of the processor 220 may also be separated or combined.

[0040] The processor 220 and its various structural elements described above can control the computer device 200 to execute the various steps included in the following payment coupon guidance method. For example, the processor 220 and its various structural elements can execute instructions of operating system-based code and at least one program code stored in memory 210.

[0041] The multiple structural elements of the processor 220 can be expressions of different functions executed by the processor 220 according to instructions provided by the program code stored in the computer device 200.

[0042] The processor 220 may read the required instructions from the memory 210 that loads control-related instructions of the computer device 200. In this case, the read instructions may include instructions that control the processor 220 to perform the following steps.

[0043] The multiple steps included in the payment coupon guidance method described below may be performed in a different order than that shown in the figure. Some of the multiple steps may be omitted, or additional steps may be included.

[0044] The payment coupon guidance method includes multiple steps that can be executed by the server 150. According to an embodiment, at least some of the multiple steps can also be executed by the client.

[0045] FIG3 is a flowchart illustrating an example of a method executable by a computer device according to an embodiment of the present invention.

[0046] Referring to FIG3, in step S310, the processor 220 may scan a visual encoding pattern via a camera according to a user request. The visual encoding pattern may include a QR code; the following description uses a QR code as an example. In step S310, the processor 220 may perform a QR code scan via a camera according to a user request. After the user executes the application for payment, if the camera is executed, the QR code of the franchise store can be scanned via the camera. As the franchise store's QR code is scanned, the processor 220 can identify the order information of the corresponding franchise store's pending payment status. In this case, the order information may include franchise store information, product information, payment amount, etc. As an example, the franchise store's QR code scanned via the camera may directly include the order information of the pending payment status. The franchise store may generate a QR code related to the order information including franchise store information, product information, payment amount, etc., and provide it as the user's personal payment code. In this case, the order information of the corresponding franchise store's pending payment status can be identified simply by scanning the QR code. According to the embodiment, the order information of the franchise store's pending payment status can be received via a server 150 linked to the payment application. For example, the processor 220 transmits the QR code of the franchise store scanned by the camera of the payment application to the server 150 linked with the payment application. In this case, the server 150 can receive the order information entered from the franchise store corresponding to the QR code as order information in a pending payment state.

[0047] In step S320, the processor 220 may display a payment screen, which includes order information corresponding to the QR code as the QR code scanning result. The payment screen may be set to automatically fill in the order information obtained through QR code scanning that is in a pending payment status, such as franchise store information, product information, payment amount, etc.

[0048] In step S330, the processor 220 can display a coupon download guide on the payment screen based on the QR code scanning result. In other words, even if the user holds an available coupon, when accessing the final payment screen including the payment amount without their knowledge, the processor 220 can notify the user within the payment screen that a downloadable coupon exists. The processor 220 transmits the QR code of the franchise store scanned by the camera of the payment application to the server 150 linked with the payment application. In this case, the server 150 can provide all available coupons of the franchise store corresponding to the QR code by searching the database DB that maintains and manages coupons for each franchise store. As an example, if the user holds an available coupon from a franchise store but has not downloaded it, the processor 220 can display a coupon download guide on the payment screen. Even if the user holds a coupon that can be used for payment at a franchise store, if the user does not download the corresponding coupon due to ignorance, when accessing the payment screen, a guide can be displayed on the payment screen indicating that a downloadable coupon exists. After the user downloads at least one coupon through the payment screen, the coupon download guide is not displayed on the payment screen. As another example, if the user holds a coupon that can be used at a franchise store and has a payment record at the corresponding franchise store, the processor 220 can display coupon download instructions on the payment screen. In this case, the payment record, as the basis for displaying the coupon download instructions, refers to payment records of a specified number of times (e.g., once) or more throughout the entire period, or payment records within the most recent specified period.

[0049] Figures 4 and 5 are illustrative diagrams for illustrating a payment screen of an embodiment of the present invention.

[0050] Referring to FIG4, when a QR code for payment at a franchise store is scanned by a camera executed by a payment application, the processor 220 can provide a payment screen 400 including order information such as the waiting payment status of the corresponding franchise store.

[0051] The payment screen 400, which is the final payment screen including the payment amount, can be set to automatically fill in the order information obtained through QR code scanning that is in the pending payment status, such as franchise store information, product information, payment amount, etc.

[0052] At the time of accessing the payment screen 400, if a coupon that can be used for the corresponding payment event is held but no coupon has been downloaded, the processor 220 may display coupon download guide text 401 on the payment screen 400.

[0053] The coupon download guide text 401 may consist of text notifying that a coupon can be downloaded, and the coupon can be used for payment events made by scanning a QR code.

[0054] According to the embodiment, for users with historical payment records of the corresponding franchise stores, if the available coupons for the corresponding payment event are not downloaded at the time of accessing the payment screen 400, the coupon download guide text 401 can be displayed in the payment screen 400.

[0055] As shown in Figure 5, if the user has no historical payment record of the franchise store or there is at least one available coupon for the corresponding payment event that has been downloaded at the time of accessing the payment screen 400, or after downloading at least one coupon through the coupon download guide text 401 displayed in the payment screen 400, the coupon download guide text 401 may not be displayed in the payment screen 400.

[0056] Figures 6 and 7 are illustrative diagrams illustrating a coupon catalog of an embodiment of the present invention.

[0057] Referring to Figure 6, when the user selects the coupon download guide text 401 in the payment screen 400, the processor 220 can provide the coupon screen 610 on the payment screen 400.

[0058] The coupon screen 610 may include a coupon catalog 611 that catalogs at least one coupon that can be used for the corresponding payment event.

[0059] The processor 220 can provide a coupon catalog 611 that represents the discount content of each coupon based on text or images.

[0060] As an example, the processor 220 can display the coupon catalog 611 in descending order of discount rate or discount amount. In this case, the actual discount amount can be displayed according to each coupon included in the coupon catalog 611.

[0061] As another example, the processor 220 can display the coupon catalog 611 in order of proximity of the discount period. In this case, the remaining period of each coupon included in the coupon catalog 611 can be displayed.

[0062] The order of the coupon catalog 611 is not limited to the discount level or discount period, and other criteria can be applied as long as the arrangement criteria are beneficial to the user.

[0063] When the user selects the coupon download guide text 401 on the payment screen 400, the processor 220 provides a coupon screen 610 on the payment screen 400. In this case, as shown in FIG7, if there are coupons for promotional activities that meet the predetermined conditions among the coupons included in the coupon catalog 611, a coupon pop-up window 712 that allows immediate download of the corresponding coupon can be provided. For example, if there are coupons issued for temporary promotional activities based on a time frame, the coupon pop-up window 712 can be displayed on the coupon screen 610 and used as the coupon with the highest priority.

[0064] According to the embodiment, different coupon catalogs 611 can also be generated and provided based on user profile information or payment records (including coupon usage records) or time information of the time of accessing the payment screen 400 or user location information.

[0065] Figures 8 to 10 are illustrative diagrams for illustrating the coupon usage process of an embodiment of the present invention.

[0066] Referring to Figure 8, if a specific coupon discount content 801 is selected in the coupon catalog 611, the processor 220 can provide a coupon details screen 800.

[0067] The coupon details screen 800 can display detailed information about the coupon, such as discount details, issuer, issuance period, validity period, and usage method. Furthermore, the coupon details screen 800 may include a "Download" button 802 for downloading the corresponding coupon.

[0068] After confirming the details of the coupon through the coupon details screen 800, the user can use the "Download" button 802 to download the corresponding coupon.

[0069] In the coupon details screen 800, if the corresponding coupon is downloaded via the "Download" button 802, the "Download" button 802 can be converted into a "Use" button 803 that can be used directly for payment.

[0070] Referring to FIG9, when a coupon screen 610 is provided on the payment screen 400, the processor 220 may enable and display a “Download” button 904 for immediately downloading the corresponding coupon according to each coupon included in the coupon catalog 611.

[0071] After confirming the discount details of each coupon in the coupon catalog 611 on the coupon screen 610, the user can download the coupon using the "Download" button 904.

[0072] In the coupon catalog 611 on the coupon screen 610, if the corresponding coupon is downloaded via the "Download" button 904, the "Download" button 904 of the corresponding coupon can be switched to an inactive state or a hidden state.

[0073] If the user selects the "Use" button 803 on the coupon details screen 800, or if the user selects the discount content 801 of the downloaded coupon in the coupon catalog 611 on the coupon screen 610, the processor 220 can provide the coupon usage result generated by directly using the corresponding coupon on the payment screen 400.

[0074] As shown in Figure 10, the processor 220 not only displays the coupon information 1001 applied to the corresponding payment on the payment screen 400, but also displays the final payment amount 1002 using the coupon.

[0075] In this embodiment, the payment screen 400 accessed via scanning a QR code can guide whether a coupon can be downloaded and the downloaded coupon can be used in the final payment process, rather than directly linking with the coupon.

[0076] Payment guided by coupon downloads can be used not only for offline franchise store payments, but also for online payments.

[0077] As described above, according to an embodiment of the present invention, when a payment screen is accessed by scanning a QR code, a downloadable coupon can be notified within the corresponding payment screen, thereby actively encouraging the use of the coupon during the payment stage.

[0078] The apparatus described above can be implemented through hardware structural elements, software structural elements, and / or combinations of hardware structural elements and software structural elements. For example, the apparatus and structural elements described in the embodiments can be embodied in at least one general-purpose computer or special-purpose computer, including a processor, controller, arithmetic logic unit (ALU), digital signal processor, microcomputer, field-programmable gate array (FPGA), programmable logic unit (PLU), microprocessor, or other device capable of executing and responding to instructions. The processing device can execute an operating system (OS) and at least one software application running on the aforementioned operating system. Furthermore, the processing device can access, store, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, although the case of using only one processing device has been described, those skilled in the art should understand that the processing device can include multiple processing elements and / or multiple types of processing elements. For example, the processing device can include multiple processors or one processor and one controller. Furthermore, it may include other processing configurations, such as parallel processors.

[0079] Software may include computer programs, code, instructions, or combinations thereof, capable of constituting a processing device in a manner that functions as needed or issuing instructions to a processing device independently or collectively. Software and / or data may embody in any type of mechanical component, physical device, computer storage medium, or device for interpretation by the processing device or for providing instructions or data to the processing device. Software may be distributed across computer systems connected via a network, or may be stored or executed using a distributed method. Software and data may be stored on at least one computer-readable recording medium.

[0080] The method of the embodiment can be recorded on a computer-readable medium through program instructions executed by various computer units. In this case, the medium can also be temporarily stored for continuous storage, execution, or downloading of a computer-executable program. Furthermore, the medium can be a combination of multiple recording or storage devices composed of one or more hardware components, and is not limited to a medium directly connected to a computer system, but can also exist distributed across a network. As an example, the medium includes magnetic media such as hard disks, floppy disks, and magnetic tapes; optical recording media such as CD-ROMs and DVDs; magneto-optical media such as floppy disks; and devices for storing program instruction languages ​​such as read-only memory, random access memory, and flash memory. Furthermore, examples of other media include application stores for selling applications, websites that provide or sell various other software, and recording or storage media managed by servers.

[0081] Although the embodiments have been described above with reference to the specific embodiments and accompanying drawings, those skilled in the art to which this invention pertains can make various modifications and variations based on the above description. For example, the described techniques may be performed in a different order than the described methods, and / or the described systems, structures, devices, circuits, and other structural elements may be combined or integrated in a different manner than the described methods. Alternatively, appropriate results may be achieved even if replaced or substituted by other structural elements or equivalent technical solutions.

[0082] Therefore, other implementation methods, other embodiments, and contents equivalent to the scope of the invention application patent also fall within the scope of the invention application patent of this invention. [Simplified Explanation of the Diagram]

[0019] FIG1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. FIG2 is a block diagram illustrating an example of a computer device according to an embodiment of the present invention. FIG3 is a flowchart illustrating an example of a method executable by the computer device according to an embodiment of the present invention. FIG4 and FIG5 are illustrative diagrams illustrating a payment screen according to an embodiment of the present invention. FIG6 and FIG7 are illustrative diagrams illustrating a coupon catalog according to an embodiment of the present invention. FIG8 to FIG10 are illustrative diagrams illustrating a coupon usage process according to an embodiment of the present invention.

Claims

1. A method for guiding users to use payment coupons, wherein, include: The steps for displaying the payment screen include: 1) Scanning the visual encoding pattern of the franchise store to display its payment screen, which shows franchise store information, product information, and payment amount as the franchise store's pending payment status; 2) Displaying coupon download guidance text and a download GUI element: If an available coupon has not been downloaded, the payment screen displays the coupon download guidance text notifying the user that a coupon is available for download, and the download GUI element for downloading the coupon; and 3) Responding to the user selecting the download GUI element and completing the coupon download, the download GUI element on the payment screen is converted into a usage GUI element, which is configured to apply the coupon to the payment amount.

2. The payment coupon guidance method as described in request item 1, wherein, In the steps described above for displaying the coupon download guide text and the download GUI element, when accessing the payment screen while the coupon that can be used for payment at the aforementioned franchise store has not been downloaded, the coupon download guide text is displayed on the payment screen.

3. The payment coupon guidance method as described in request item 2, wherein, The steps for displaying the coupon download guide text and the download GUI element include the following steps: after downloading at least one coupon through the payment screen, the coupon download guide text is not displayed on the payment screen.

4. The payment coupon guidance method as described in request item 2, wherein, In the steps described above for displaying the coupon download guide text and the download GUI component, the coupon download guide text is displayed on the payment screen for users who have payment records at the aforementioned franchise stores.

5. The payment coupon guidance method as described in request item 1, wherein, The aforementioned payment coupon guidance method also includes a step of providing a coupon catalog. Through at least one processor, if the user selects the coupon download guidance text on the aforementioned payment screen, a downloadable coupon catalog is provided on the aforementioned payment screen.

6. The payment coupon guidance method as described in request item 5, wherein, The steps for providing the above-mentioned coupon catalog include the following steps: displaying the above-mentioned coupon catalog sorted by discount amount or discount period.

7. The payment coupon guidance method as described in request item 5, wherein, The steps for providing the above-mentioned coupon catalog include the following steps: if there are coupons for promotional activities that meet the predetermined conditions among the coupons included in the above-mentioned coupon catalog, a pop-up window is provided for immediately downloading the corresponding coupon.

8. The payment coupon guidance method as described in request item 5, wherein, The steps for providing the above-mentioned coupon catalog include the following steps, which constitute the above-mentioned coupon catalog differently based on the user's profile information, payment records, or time information or location information of the time when the user accessed the above-mentioned payment screen.

9. A computer program, wherein, The coupon is stored in a computer-readable recording medium so that a computer device can perform the payment coupon guidance method as described in any of claims 1 to 8.

10. A computer device, wherein, The system includes at least one processor for executing computer-readable instructions, the at least one processor performing the following steps: generating a visual encoding pattern for an order from a franchisee, wherein the order information includes franchisee information, product information, and a payment amount as a pending payment status for the franchisee; providing the visual encoding pattern as a personal payment code for the order information; receiving information related to the visual encoding pattern from the user device as the user device scans the visual encoding pattern; and providing the user device with information related to available coupons for the franchisee; if available coupons are not downloaded to the user device, displaying coupon download guidance text and a download GUI element for downloading the coupon on the payment screen of the user device displaying the order information; and in response to the user selecting the download GUI element and completing the download of the coupon, converting the download GUI element on the payment screen into a usage GUI element, the usage GUI element being configured to apply the coupon to the payment amount.

11. The computer apparatus as described in claim 10, wherein, The at least one processor performs the following steps to transmit the order information corresponding to the visual encoding pattern to the user device.

12. The computer apparatus as described in claim 10, wherein, If the user accesses the payment screen when the coupons available for payment at the aforementioned franchise stores have not been downloaded to the aforementioned user device, the user will display text guiding them to download the coupons on the payment screen.

13. The computer apparatus as described in claim 12, wherein, After downloading at least one coupon through the aforementioned payment screen, the coupon download instructions are not displayed on the payment screen.

14. The computer apparatus as described in claim 12, wherein, The processor performs the following steps: determining whether the user of the user device has a payment record with the franchise store; and if the user has a payment record, displaying the coupon download guide text on the payment screen.

Images