System and method for goods-and-services subscription service enabling reception of virtual tokens usable for purchasing goods or services

Abstract

Disclosed is a goods-and-services subscription service exchange system which provides a subscription service subscriber with virtual tokens enabling purchase of goods and services sold by a store registered as a member company. To this end, the goods-and-services subscription service exchange system is provided, the system comprising: a user terminal having a subscription service app installed therein, wherein the app receives personal authentication information from a user, generates subscription request information including a subscription type according to a signal input by the user, and transmits the personal authentication information and the subscription request information to the outside; and an issuance server which is connected to the user terminal through a communication network, processes a login procedure for a user account by using the personal authentication information, analyzes the subscription request information, and issues pre-designated virtual tokens to the user account or the user terminal according to the subscription type. According to the present invention, virtual tokens having a value greater than cost paid through a subscription-type service may be provided, and goods and services sold by a store of a member company may be purchased using the virtual tokens at a discounted price.

Description

A system and method for a subscription service for goods and services that provides virtual tokens that can be used to purchase goods or services.

[0001] The present invention relates to a goods and service subscription service system and method that provides a subscription service for goods or services, and more specifically, to a goods and service subscription service system and method that provides virtual tokens that can be used to purchase goods or services sold at stores registered as member companies to members who have subscribed to a paid subscription service.

[0002]

[0003] In general, the basic method of purchasing a product is that the user goes directly to the seller's store, pays for the product, and receives the corresponding product.

[0004] This traditional, basic method of purchasing goods is now being developed in various forms in response to the recent development of communication infrastructure such as the Internet, mobile communications, and interbank payment systems, as well as the development of payment methods that can replace cash, such as credit cards, gift certificates, and electronic wallets.

[0005] This basic method of purchasing goods can be said to be a method in which the movement of goods and the movement of product price occur simultaneously.

[0006] In contrast, among other types of product purchasing methods where the movement of the product is separated from the movement of the product price, representative examples of changes in the payment method include the post-payment method using a credit card and the pre-payment method using a gift certificate.

[0007] Despite their convenience, credit cards carry significant risks of malicious misuse. Therefore, various payment methods have been proposed to replace them. One such method is the mobile gift certificate, which combines the convenience of carrying a card with the concept of a traditional gift certificate.

[0008] Typically, purchasing a mobile gift certificate is similar to purchasing a traditional gift certificate. Recently, balance management-type mobile gift certificates have emerged, allowing users to conveniently divide the displayed amount into smaller payments.

[0009] These mobile gift certificates allow payments only up to the amount displayed when held alone. However, multiple gift certificates can be used together to cover a higher amount. Furthermore, mobile gift certificates can be used by minors, and because they can be stored across multiple mobile devices, the risk of loss is minimal.

[0010] However, while offline stores may offer various additional benefits, such as card discounts and cash discounts, for customer management and marketing purposes, customers using mobile gift certificates may not receive these additional benefits.

[0011] Additionally, mobile gift certificates received as gifts from others are not only difficult to refund, but also difficult to find a platform where you can reliably trade with others.

[0012]

[0013] Accordingly, the first object of the present invention is to provide a subscription service for a member company selling goods or services, and to provide a goods and service subscription service system that provides a virtual token designated in advance according to the type of subscription selected by a member who has subscribed to the subscription service, and allows the purchase of goods or services sold by the member company with the virtual token.

[0014] In addition, the second purpose of the present invention is to provide a subscription service for goods and services that allows the purchase of goods or services sold offline at a discounted price, provide virtual tokens that can be exchanged for goods and services to members who have signed up for this subscription service, and provide a method for a subscription service for goods and services that allows the free purchase of goods or services sold at various stores registered as member companies with virtual tokens held.

[0015]

[0016] In order to achieve the first object of the present invention described above, in one embodiment of the present invention, a subscription service system for goods and services is provided, including a user terminal having a subscription service app installed that receives personal authentication information from a user, generates subscription request information including a subscription type according to a signal input by the user, and transmits the personal authentication information and the subscription request information to the outside, and an issuance server that is connected to the user terminal through a communication network, processes a login procedure for a user account using the personal authentication information, analyzes the subscription request information, and issues a virtual token designated in advance to the user account or the user terminal according to the subscription type.

[0017] In addition, in order to achieve the second object of the present invention, in one embodiment of the present invention, a subscription service method for goods and services is provided, including a connection step in which a user terminal connects to an issuance server through a subscription service app, a login step in which the user terminal processes a login procedure requested by the issuance server based on personal authentication information input from the user terminal through the subscription service app, a subscription application step in which the user terminal generates subscription request information including a subscription type according to a signal input from the user through the subscription service app and transmits the subscription request information to the issuance server, and a service provision step in which the issuance server analyzes the subscription request information and pays a virtual token designated in advance according to the subscription type to a user account that provided the subscription request information.

[0018]

[0019] According to the present invention, a virtual coupon, token, point, etc. having a higher value than the actual cost paid can be provided through a subscription service, and goods and services sold at a store registered as a member can be purchased with such virtual coupon, token, point, etc., so that a member receiving a subscription service can purchase goods and services at a discounted price compared to purchasing them with cash or a card.

[0020] Furthermore, the present invention allows subscribers to purchase goods and services at lower prices than the retail price by utilizing the benefits provided by subscribing to a subscription service, and to easily sell surplus benefits by liquidating them. Specifically, the present invention allows members who find it difficult to directly use mobile gift certificates acquired through a subscription service to easily trade mobile gift certificates between members using a transaction site linked to the subscription service operator instead of a separate transaction site, thereby reducing the burden of using excess mobile gift certificates.

[0021] In addition, the present invention allows an administrator (operator) providing a subscription service for goods and services to receive payment in advance from members of a subscription fee determined between the cost of sales and the selling price of the goods and services before providing the goods and services, thereby securing not only the operating expenses of the member company but also sales demand for the goods and services.

[0022] Furthermore, the present invention provides subscribers with virtual tokens worth a higher value than the amount they paid to subscribe to the subscription service, allowing them to secure financial gains by selling virtual tokens through peer-to-peer transactions. In other words, the present invention provides ordinary consumers with the opportunity to utilize subscription services as a means of financial investment.

[0023]

[0024] FIG. 1 is a configuration diagram for explaining a subscription service system for goods and services according to one embodiment of the present invention.

[0025] FIG. 2 is a schematic diagram illustrating a subscription service system for goods and services according to another embodiment of the present invention.

[0026] Figure 3 is a schematic diagram for explaining a subscription service system for goods and services according to the present invention.

[0027] Figure 4 is a schematic diagram for explaining a subscription service of a subscription service system for goods and services according to the present invention.

[0028] Figure 5 is a flowchart for explaining a subscription service method for goods and services according to the present invention.

[0029]

[0030] Hereinafter, with reference to the attached drawings, a goods and services subscription service system (hereinafter referred to as “goods and services subscription service exchange system”) that provides virtual tokens that can be used for purchasing goods and services according to preferred embodiments of the present invention will be described in detail.

[0031]

[0032] FIG. 1 is a schematic diagram for explaining a subscription service exchange system for goods and services according to one embodiment of the present invention, and FIG. 2 is a schematic diagram for explaining a subscription service exchange system for goods and services according to another embodiment of the present invention.

[0033] Referring to FIGS. 1 and 2, a subscription service exchange system for goods and services according to the present invention includes a user terminal (100) in which a subscription service app (110) is installed, which generates subscription request information including a subscription type selected by a user and transmits the generated subscription request information to the outside, and an issuance server (200) which issues a pre-designated virtual token according to the subscription type of the subscription request information provided from the user terminal (100). Optionally, the system may further include a member terminal (300) which transmits virtual token issuance condition information selected by a member to the issuance server (200), and an exchange server (400) which provides a transaction site so that a user can trade virtual tokens provided through a subscription service with others. Here, the virtual tokens may include mobile gift certificates, membership points that can be exchanged for the mobile gift certificates, virtual coupons, tokens, etc.

[0034] In this way, in the subscription service system according to the present invention, subscribers to the subscription service for goods and services can use virtual tokens such as mobile gift certificates instead of cash or cards when purchasing goods and services sold at stores (shopping malls) such as restaurants and gyms where they are registered as members.

[0035] At this time, the value displayed on the virtual token is the same as the real currency paid when purchasing goods and services, but since the virtual token can be obtained at least 50% more than the cost paid as a subscription fee for the subscription service, it provides the economic benefit of purchasing goods and services at a lower price than the actual price to subscribers.

[0036]

[0037] Below, each component is described in more detail with reference to the drawings.

[0038] Figure 3 is a schematic diagram for explaining a subscription service exchange system for goods and services according to the present invention.

[0039] Referring to FIGS. 1 to 3, the subscription service exchange system for goods and services according to the present invention includes a user terminal (100).

[0040] The above user terminal (100) is a terminal that installs a subscription service app (110) through an app installation file, and is connected to an issuance server (200) and an exchange server (400) through a wired / wireless communication network (hereinafter, abbreviated as “communication network”).

[0041] Here, a communication network means a connection structure that enables information exchange between each node, such as multiple terminals and servers, and examples of such a communication network include a local area network (LAN), a wide area network (WAN), the Internet (WWW), a wired and wireless data communication network, a telephone network, and a wired and wireless television communication network. Examples of wireless data communication networks include, but are not limited to, 3G, 4G, 5G, 3GPP (3rd Generation Partnership Project), 5GPP (5th Generation Partnership Project), LTE (Long Term Evolution), WIMAX (World Interoperability for Microwave Access), Wi-Fi, the Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth network, NFC (Near-Field Communication) network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, virtual network, virtual computer, etc.

[0042] The subscription service app (110) may receive member information including an individual identification number (ID) to apply for a subscription service for goods and services, and transmit the member information to the issuing server (200) via a communication network. At this time, the member information may include one or more of the user's date of birth, address, phone number, email, ID for login, and password.

[0043] The above subscription service app (110) receives personal authentication information from a user to access the issuing server (200) and obtain the authority to transmit and receive various data, and can transmit the personal authentication information to an external issuing server (200) via a communication network.

[0044] The above subscription service app (110) generates subscription request information including a subscription type according to a signal input by a user so that the user can select a subscription type for the subscription service, and transmits the subscription request information to an external issuance server (200).

[0045] Figure 4 is a schematic diagram for explaining a subscription service of a subscription service exchange system for goods and services according to the present invention.

[0046] These subscription types include one-time subscriptions, where the entire subscription fee is paid in full, and recurring subscriptions, where the subscription fee is paid monthly, as illustrated in Figure 4. A one-time subscription requires a one-time fee to continue providing the subscription service for a pre-determined period, while a recurring subscription requires a monthly fee to continue providing the service. Depending on your needs, recurring subscriptions can also be offered with voluntary payments from subscribers, rather than automatic monthly payments.

[0047] Users who choose a one-time subscription can receive a wide range of long-term benefits by paying a high cost in one go, can sell unused surplus benefits, and can make investments by securitizing long-term benefits.

[0048] Users who choose a regular subscription will receive the benefits of regular payments, and can purchase any excess benefits from a one-time subscription as needed. They can also make purchases when needed instead of paying regularly, thereby eliminating the burden of maintaining a regular subscription.

[0049] The above subscription service app (110) can generate an exchange request signal based on a user's input signal and transmit it to the issuing server (200) so that a mobile gift certificate can be purchased with membership points accumulated in the user's account, and can output a list of mobile gift certificates provided from the issuing server (200) through the screen of the user's terminal (100).

[0050] The above subscription service app (110) can generate a transaction request signal based on a user's input signal and transmit it to the issuing server (200) so that the mobile gift certificate can be sold to another member, and can output the transaction site provided by the issuing server (200) through the screen of the user terminal (100).

[0051] The subscription service app (110) tracks the current location of the user terminal (100), and when the user terminal (100) enters within a preset interval between itself and an event member company, it extracts event information from the event database (DB) of the issuing server (200), generates notification information, and outputs the notification information on the screen of the user terminal (100). Here, an event member company refers to a member company registered with the issuing server that has registered event information with the issuing server (200).

[0052] This subscription service app (110) can be installed on a user terminal (100) through the app installation file downloaded from the issuing server (200) through an Android market such as Play Store or One Store, an app store, or a web page.

[0053] As needed, the user terminal (100) can access the issuing server (200) through the subscription service app (110) to receive subscription services for goods and services, but can also access the issuing server (200) through a website provided by the issuing server (200) to receive subscription services for goods and services.

[0054] The user terminal (100) described above is configured to be able to connect to an issuance server (200) that provides subscription services for goods and services through a wireless communication network including a number of base stations, base station controllers, mobile communication exchanges, and WAP gateways, and a wired communication network such as the Internet. For example, the user terminal (100) may be a smartphone, tablet PC, laptop computer, virtual network, virtual computer, etc.

[0055]

[0056] Referring to FIG. 1, the subscription service exchange system for goods and services according to the present invention may further include a member terminal (300).

[0057] The above-mentioned member terminal (300) is a terminal installed in a store (shopping mall) that sells goods and services and is registered as a member of a subscription service, and is connected to the issuance server (200) via a communication network. At this time, the member operates the store at a pre-agreed location, and the store includes both offline and online forms.

[0058] If necessary, a subscription service app for sellers can be installed on the member terminal (300) through an app installation file.

[0059] This subscription service app for sellers receives the barcode or identification number of the mobile gift certificate along with the payment amount, generates approval request information, and transmits the approval request information to the issuing server (200) via a communication network.

[0060] In addition, the subscription service app for sellers can receive response information categorized as approval or rejection in response to approval request information from the issuing server (200) and display it on the screen of the member terminal (300). In this case, the response information for rejection may include the previous usage date and time or previous balance of the mobile gift certificate, and the response information for approval may include the balance after usage of the mobile gift certificate.

[0061] As needed, the member terminal (300) may receive event information including discounted products and discounted prices from the chain manager for the purposes of inventory management, promotion, etc. and transmit the information to the issuing server (200).

[0062] These seller subscription service apps can be installed on member terminals (300) through the app installation file downloaded from the issuing server (200) via the Android market such as Play Store or One Store, the App Store, or a web page.

[0063] In this way, the member terminal (300) can connect to the issuing server (200) through the seller subscription service app to send approval request information related to the subscription service and receive response information thereto, but can also connect to the issuing server (200) through the website provided by the issuing server (200) to provide approval request information.

[0064] Additionally, the member terminal (300) can select subscription details related to the store operated by the member company. To this end, the member terminal (300) can transmit the virtual token issuance information selected by the member company to the issuance server (200). The virtual token issuance information may include subscription benefits such as the subscription sales price, the virtual token amount paid per subscription, the virtual token usage period, and the virtual token payment method.

[0065] The aforementioned member terminal (300) is configured to be able to connect to the issuing server (200) that provides subscription services via a wireless communication network including multiple base stations, base station controllers, mobile communication exchanges, and WAP gateways, and a wired communication network such as the Internet. For example, the member terminal (300) may be a smartphone, tablet PC, laptop computer, desktop computer, virtual network, virtual computer, etc.

[0066]

[0067] Referring to FIG. 2, the subscription service exchange system for goods and services according to the present invention may further include an exchange server (400).

[0068] The above exchange server (400) is connected to a user terminal (100) and an issuing server (200) via a communication network, and connects subscribers and actual users (user consumers) who wish to use virtual tokens online, thereby helping subscribers sell any unused virtual tokens paid as benefits of the subscription service before they expire. Here, actual users can purchase unused virtual tokens and enjoy the benefits of the subscription service without having to pay for the subscription service.

[0069] More specifically, the exchange server (400) provides a trading site where virtual tokens paid as a subscription service can be traded, and subscribers and actual users can each open a trading page where their desired purpose is disclosed.

[0070] In addition, the exchange server (400) may receive and store member information from the issuance server (200), and provide a transaction site where membership points, mobile gift certificates, or both can be traded as transaction items to a user terminal (100) accessed through a subscription service app (110). To this end, the exchange server (400) may search for virtual tokens stored in the subscriber's user account at the subscriber's request through the user terminal (100), register the virtual token selected by the subscriber as a transaction item, and register the price entered by the subscriber as the selling price of the transaction item.

[0071] In this way, the exchange server (400) provides an environment in which surplus benefits can be freely traded, and the selling price of the traded product can be freely set at the market price.

[0072] In addition, the exchange server (400) can automatically provide the transaction product from the seller's user account to the buyer's user account when the seller approves the transaction.

[0073]

[0074] Referring to FIG. 3, the subscription service exchange system for goods and services according to the present invention may further include a guarantor server (500).

[0075] The above-mentioned guarantor server (500) is a guarantor server that guarantees the use of virtual tokens so that the virtual tokens can be used stably, and is connected to the issuing server (300) through a communication network.

[0076] When the guarantor server (500) receives issuance information for a bond-type token from the issuance server (200), it creates a payment guarantee certificate for the bond-type token and sends it back to the issuance server (200).

[0077] In addition, when the guarantee application information requesting performance of the payment guarantee agreement is transmitted from the purchaser terminal (100), the guarantee server (500) pays the cost to the purchaser according to the agreement of the payment guarantee agreement.

[0078] More specifically, the guarantor server (500) pays the purchaser a compensation amount that can be used to purchase goods and services when the virtual token for which a payment guarantee exists is not exchanged for goods and services.

[0079]

[0080] Referring to FIG. 1, the subscription service exchange system for goods and services according to the present invention includes an issuance server (200).

[0081] The above issuance server (200) is connected to a user terminal (100) and a member terminal (300) via a communication network, processes a login procedure for a user account using personal authentication information transmitted from the user terminal (100), and analyzes subscription request information provided from the user terminal (100) to periodically issue a pre-designated virtual token to the user account or user terminal (100) according to the subscription type.

[0082] When personal authentication information is provided from a user terminal (100), the above-mentioned issuance server (200) creates member information including a user account that can pass the login procedure with the personal authentication information, and can transmit the member information including the payment details of membership points, mobile gift certificates, or both paid to the user account to an external exchange server (400).

[0083] If the subscription type is a one-time subscription that requires payment of the entire subscription fee at once, the issuance server (200) can periodically pay membership points exceeding the subscription fee to the user account in the form of virtual tokens over a pre-designated period. Furthermore, the issuance server (200) can provide the subscription service app (110) with a list of mobile gift certificates that can be exchanged for membership points, allowing the user to purchase mobile gift certificates with the membership points accumulated in the user account.

[0084] As a first embodiment, the issuance server (200) according to the present invention can, when a user who has selected a one-time subscription pays 150,000 won through the electronic payment method of the issuance server (200), accumulate a total of 300,000 points in the user's account by dividing 1,000 points per day for 300 days, or accumulate a total of 300,000 points in the user's account by dividing 30,000 points per month for 10 months.

[0085] In a second embodiment, the issuance server (200) according to the present invention may, when a user who has selected a one-time subscription pays 150,000 won through the electronic payment method of the issuance server (200), issue a mobile gift certificate worth 30,000 won per month for 10 months via text message to the user's account or member information phone number, or issue 10 mobile gift certificates worth 30,000 won each via text message to the user's account or member information phone number. In this way, when multiple mobile gift certificates are provided at once, the validity periods of each mobile gift certificate may be set differently.

[0086] The above issuance server (200) can, if the subscription type is a one-time subscription that pays the entire subscription fee at once, temporarily or regularly pay membership points designated in advance as virtual tokens to the user account, and can pay membership points designated in advance to the user account based on the performance of events such as daily attendance checks through the subscription service app (110).

[0087] For example, if a user who has selected a one-time subscription pays 150,000 won through the electronic payment method of the issuance server (200), the issuance server (200) temporarily grants a total of 150,000 points to the user's account or periodically grants the total of 150,000 points to the user's account as a one-time benefit by dividing the total of 150,000 points into installments and granting them to the user's account on a regular basis. In addition, 1,000 points are granted to the user's account each time a daily attendance check is performed through the subscription service app (110) for 300 days. In other words, a user who has performed an attendance check every day for 300 days receives a total of 300,000 points, and a user who has not performed an attendance check at all for 300 days receives a total of 150,000 points. By granting points each time an attendance check is performed, access to the subscription service app (110) and the issuance server (200) can be induced, thereby generating additional revenue such as advertising revenue.

[0088] The above issuance server (200) can issue a mobile gift certificate in the form of a virtual token to a user account or user terminal (100) on a regular basis every month if the subscription type is a regular subscription that pays the subscription fee every month.

[0089] For example, if a user who has selected a regular subscription pays 20,000 won through an automatic payment method, the issuance server (200) according to the present invention issues a mobile gift certificate worth 30,000 won to the user's account for the same month, or issues it to the phone number in the member information via text message, messenger, etc.

[0090] The issuance server (200) can provide subscribers with a transaction site that allows members to trade mobile gift certificates. This is to enable subscribers who have acquired mobile gift certificates to sell them on the subscription service app (110) without having to use a separate secondhand trading site. This transaction site can be accessed by users who have completed the issuance server (200) login process via the subscription service app (110).

[0091] In this way, the issuance server (200) provides an environment in which subscribers can find a transaction target for a mobile gift certificate within a subscription service exchange system for goods and services without paying a separate fee.

[0092] The above-mentioned issuance server (200) may receive member information from member terminals (300) and store it in a member database (DB) so that the types of goods and services can be searched for on user terminals (100) connected to the issuance server (200). At this time, the member information may include descriptions of goods and services, member location, phone number, etc.

[0093] The above issuance server (200) can classify a member company that has transmitted event information through a member company terminal (300) as an event member company, and store the store information and event information of the member company classified from the event member company together in an event database (DB).

[0094] The above issuance server (200) can store member information provided from the user terminal (100) in the member DB.

[0095] When location information is provided from the user terminal (100), the above-mentioned issuing server (200) detects event members existing within a pre-designated radius from the user terminal (100) from the event DB and returns event information of the event members to the user terminal (100).

[0096] When the approval request information is transmitted from the member terminal (300), the issuing server (200) receives payment for the cost of goods and services from the balance of the mobile gift certificate included in the approval request information, generates approval response information including the balance of the mobile gift certificate after use, and transmits the response information to the member terminal (300) that provided the approval request information. At this time, if the balance of the mobile gift certificate included in the approval request information is less than the cost of the goods and services, the issuing server (200) generates rejection response information including the most recent usage date or existing balance of the mobile gift certificate, and transmits the response information to the member terminal (300) that provided the approval request information. If necessary, the issuing server (200) may also transmit the response information to the user account that owns the mobile gift certificate included in the approval request information.

[0097] The above issuance server (200) can receive payment for one-time subscriptions and regular subscriptions using electronic payment methods such as electronic tokens or blockchains to facilitate complex payment and settlement due to the diversity of service types and the diversity of usage scopes.

[0098] As needed, the issuing server (200) can generate virtual token issuance information that can be used by a member company at the request of a member company terminal (300) and store the virtual token issuance information in a virtual token database (DB).

[0099] After issuing a virtual token, the above-mentioned issuance server (200) transmits the virtual token issuance information provided from the member terminal (300) to the guarantor server (500) to guarantee the performance of the virtual token, and receives a payment guarantee certificate for the virtual token from the guarantor server (500) in return. At this time, the issuance server (200) stores the payment guarantee certificate provided from the guarantor server (500) so that it matches the bond-type token that is the subject of the issuance information.

[0100]

[0101] Figure 5 is a flowchart for explaining a subscription service method for goods and services according to the present invention.

[0102] Referring to FIG. 5, a subscription service method for goods and services (hereinafter, abbreviated as “subscription service method for goods and services”) for receiving a virtual token that can be used for purchasing goods and services according to the present invention includes a connection step (S100) in which a user terminal (100) connects to an issuing server (200), a login step (S200) in which the user terminal (100) processes a login procedure of the issuing server (200) based on personal authentication information, a subscription application step (S300) in which the user terminal (100) generates subscription request information including a subscription type and transmits it to the issuing server (200), and a service provision step (S400) in which the issuing server (200) issues a virtual token designated in advance according to the subscription type of the subscription request information.

[0103] The above connection step (S100) is a step in which the user terminal (100) connects to the issuing server (200) through the subscription service app (110), downloads an app installation file from the issuing server (200) through the Android Market, App Store, or web page, and installs the subscription service app (110) through the app installation file.

[0104] In addition, in the connection step (S100), the user terminal (100) inputs member information to receive subscription services for goods and services, and transmits the member information to the issuing server (200) via a communication network to proceed with the member registration process. At this time, the issuing server (200) stores the member information provided from the user terminal (100) in a member database (DB) and registers the user who provided the member information as a member.

[0105] The above login step (S200) is a step in which the user terminal (100) processes the login procedure requested by the issuing server (200) based on the personal authentication information entered by the user, and the user terminal (100) performs the login procedure for the issuing server (200) through the subscription service app (110).

[0106] More specifically, in the login step (S200), when personal authentication information is entered by the user, the subscription service app (110) transmits the personal authentication information to the issuing server (200) via a communication network. At this time, the issuing server (200) processes the login procedure for the user account using the personal authentication information transmitted from the user terminal (100).

[0107] The above subscription application step (S300) is a step in which the user terminal (100) generates subscription request information including the subscription type according to a signal input by the user. The user terminal (100) generates subscription request information through the subscription service app (110) and then transmits it to the issuance server (200). At this time, the subscription type may include a one-time subscription or a regular subscription.

[0108] The above service provision step (S400) is a step in which the issuing server (200) analyzes subscription request information to determine the subscription type and then issues a virtual token corresponding to the determined subscription type. A virtual token designated in advance for each subscription type is issued to the user account or user terminal (100) that provided the subscription request information.

[0109] In the above service provision step (S400), if the subscription type is a temporary subscription that pays the entire subscription fee at once, the issuing server (200) may divide membership points exceeding the subscription fee into virtual tokens over a pre-specified period and regularly pay them to the account of the user who applied for the temporary subscription, or may regularly pay mobile gift certificates as virtual tokens over a pre-specified period to the account of the user who applied for the temporary subscription, or may pay them via text message to the user's contact information.

[0110] In the above service provision step (S400), if the subscription type is a one-time subscription that pays the entire subscription fee at once, the issuing server (200) temporarily or regularly pays membership points designated in advance as virtual tokens to the user account, and the issuing server (200) can pay membership points designated in advance to the user account based on daily attendance check through the subscription service app (110).

[0111] In the above service provision step (S400), if the subscription type is a regular subscription that pays the subscription fee every month, the issuing server (200) can issue a mobile gift certificate as a virtual token to the account of the user who applied for the regular subscription on a regular basis every month, or send a text message to the user's contact information.

[0112] If necessary, the subscription service method for goods and services according to the present invention may further include a notification information output step after the service provision step.

[0113] The above notification information output step is a step in which the subscription service app (110) tracks the user's current location through the user terminal (100) and informs the user of event information of member companies located around the user.

[0114] More specifically, in the notification information output step, the subscription service app (110) generates real-time location information of the user based on location data collected from the GPS module of the user terminal (100), compares and analyzes the location information of the event member company collected from the event DB of the issuing server (200) and the real-time location information of the user, and when the interval between the user terminal (100) and the event member company is read to be within a preset interval, extracts event information from the event DB of the issuing server (200) to generate notification information, and outputs the notification information on the screen of the user terminal (100).

[0115]

[0116] Meanwhile, the subscription service method for goods and services according to the present invention may further include a virtual token exchange step and a virtual token transaction step after the service provision step.

[0117] The above virtual token exchange step is a step in which the user terminal (100) receives a list of mobile gift certificates through the subscription service app (110) so that the user can purchase mobile gift certificates with membership points accumulated in the user account, and the user terminal (100) purchases mobile gift certificates with membership points through the above mobile gift certificate list.

[0118] More specifically, in the virtual token exchange step, when a gift certificate selection signal for a specific mobile gift certificate among the mobile gift certificates by amount included in the membership point list is input by the user, the subscription service app (110) transmits the gift certificate selection signal to the issuing server (200). At this time, the issuing server (200) issues a mobile gift certificate matching the gift certificate selection signal and then pays the issued mobile gift certificate to the first account that transmitted the gift certificate selection signal, or pays the mobile gift certificate by text message to the phone number included in the member information of the first account.

[0119] The above virtual token transaction step is a step for selling mobile gift certificates that are difficult to use directly to another person, preferably another member who has signed up for a subscription service. In order for the user to trade the mobile gift certificate, the user terminal (100) accesses the exchange server (400) linked to the issuing server (200) through the subscription service app (110) and sells the virtual tokens, such as mobile gift certificates, issued by the issuing server to the actual user on the transaction site provided by the exchange server (400). At this time, the transaction site may be configured as a website that has an environment where mobile gift certificates can be traded between members who have signed up for the subscription service.

[0120] More specifically, when sales request information for directly selecting a first mobile gift certificate from a user is entered at the virtual token transaction stage or sales request information including an identification number of the first mobile gift certificate is entered, the subscription service app (110) creates a sales opening post for the first mobile gift certificate and registers it on the transaction site.

[0121] Next, when purchase request information for the first mobile gift certificate registered as a product for sale on the transaction site is received at the virtual token transaction stage, the issuing server (200) creates transaction approval request information and provides the transaction approval request information to the subscription service app (110) logged in with the first account that registered the sales initiation post.

[0122] Finally, when transaction approval information is transmitted in response to the transaction approval request information from the subscription service app (110) logged in with the first account that registered the sales initiation post in the virtual token transaction stage, the issuing server (200) issues the first mobile gift certificate, which is the subject of the sales initiation post, to the second account that provided the purchase request signal and deletes the first mobile gift certificate registered to the first account. At this time, the sales amount for the first mobile gift certificate may be provided directly by the purchaser to the seller through a bank transfer or the like, or the seller may provide it to the purchaser through the issuing server (200) as an intermediary.

[0123] In these connection steps (S100), login steps (S200), subscription application steps (S300), service provision steps (S400), notification information output steps, virtual token exchange steps, and virtual token transaction steps, the detailed components included in the aforementioned goods and service subscription service exchange system are used, so overlapping content is omitted.

[0124]

[0125] Although the present invention has been described above with reference to preferred embodiments thereof, it will be understood by those skilled in the art that various modifications and changes may be made to the present invention without departing from the spirit and scope of the present invention as set forth in the claims below.

Claims

1. A user terminal with a subscription service app installed that receives personal authentication information from a user, creates subscription request information including a subscription type based on a signal input by the user, and transmits the personal authentication information and subscription request information to an external source; and A subscription service exchange system for goods and services, including an issuing server that is connected to the user terminal through a communication network, processes a login procedure for a user account through the personal authentication information, analyzes the subscription request information, and issues a pre-designated virtual token to the user account or user terminal according to the subscription type.

2. In paragraph 1, A subscription service exchange system for goods and services, characterized in that if the above subscription type is a one-time subscription that pays the entire subscription fee at once, the issuing server periodically pays membership points greater than the subscription fee to the user account in the form of virtual tokens over a pre-designated period of time.

3. In paragraph 1, A subscription service exchange system for goods and services, characterized in that if the above subscription type is a temporary subscription that pays the entire subscription fee at once, the issuing server temporarily or regularly pays membership points designated in advance as virtual tokens to the user account, and pays membership points designated in advance to the user account according to the performance of events, such as daily attendance checks through the subscription service app.

4. In the second or third paragraph, the issuing server A subscription service exchange system for goods and services, characterized in that it provides a list of mobile gift certificates that can be exchanged for membership points in the subscription service app so that a user can purchase mobile gift certificates with membership points accumulated in a user account.

5. In paragraph 1, A subscription service exchange system for goods and services, characterized in that if the above subscription type is a regular subscription that pays a subscription fee every month, the issuing server regularly issues a mobile gift certificate in the form of a virtual token to the user account or user terminal every month.

6. In paragraph 1, A subscription service exchange system for goods and services, characterized in that it further includes a member terminal that transmits virtual token issuance information selected by the member to the issuance server.

7. In paragraph 6, The above member terminal transmits event information to the above issuing server. The above issuing server classifies the member company that sent the above event information as an event member company, and stores the store information and event information of the member company classified from the event member company together in the event database. The subscription service app tracks the current location of the user's terminal, extracts event information from the event database when the user enters the event member company that has registered event information in the issuing server within a preset interval, and generates notification information, and outputs the notification information on the screen of the user's terminal. A subscription service exchange system for goods and services.

8. In paragraph 6, The above member company terminal receives the barcode or identification number of the mobile gift certificate along with the payment amount, creates approval request information, and installs a subscription service app that transmits the approval request information to the issuing server. A subscription service exchange system for goods and services, characterized in that the above issuing server receives payment for goods and services from the balance of the mobile gift certificate included in the approval request information, generates approval response information including the balance after use of the mobile gift certificate, and transmits the response information to the member terminal that provided the approval request information.

9. In paragraph 1, When personal authentication information is provided from a user terminal, the above issuance server creates member information including a user account that can pass the login procedure with the personal authentication information, and transmits member information including payment details of membership points, mobile gift certificates, or both paid to the user account. A subscription service exchange system for goods and services, characterized in that it receives and stores member information from the issuing server, provides a transaction site where membership points, mobile gift certificates, or both can be traded as transaction products on a user terminal accessed through the subscription service app, and further includes an exchange server that provides the transaction product from the seller's user account to the buyer's user account when the seller approves the transaction.

10. Connection step where the user terminal connects to the issuance server through the subscription service app; A login step in which the user terminal processes the login procedure requested by the issuing server based on personal authentication information entered from the user terminal through the subscription service app; A subscription application step in which the user terminal generates subscription request information including the subscription type according to a signal input from the user through the subscription service app and transmits the subscription request information to the issuing server; and A subscription service method for goods and services, including a service provision step in which the above issuing server analyzes the above subscription request information and pays a pre-designated virtual token according to the subscription type to the user account that provided the subscription request information.

11. In the 10th paragraph, in the service provision stage, A subscription service method for goods and services, characterized in that if the above subscription type is a temporary subscription that pays the entire subscription fee at once, the issuing server temporarily or regularly pays membership points designated in advance as virtual tokens to the user account, and pays the membership points designated in advance to the user account according to daily attendance check through the subscription service app.

12. In clause 10, after the service provision step A subscription service method for goods and services, characterized in that the user terminal further includes a virtual token exchange step in which the user terminal receives a list of mobile gift certificates through a subscription service app and purchases mobile gift certificates with membership points provided as virtual tokens.

13. In clause 10, after the service provision stage A subscription service method for goods and services, characterized in that it further includes a virtual token transaction step in which the user terminal connects to an exchange server linked to the issuing server through a subscription service app and sells virtual tokens paid from the issuing server on a transaction site provided by the exchange server.

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