SYSTEM FOR OPERATING CERTIFICATE GIFT ISSUED BY BANK, DEVICES FOR OPERATING CERTIFICATE GIFT AND RECORDING MEDIUM

摘要

The present invention for the system and the voucher management apparatus and a recording medium therefor for operating the voucher issued by the bank, the voucher information for the bank and gift certificates owned by the client for the bank wireless terminal information and the wireless terminal information (and / or vouchers for bank reserved is provided to correspond to the client information) in connection with a wireless terminal in the association process the virtual account information stored in a storage medium and reserved voucher for the bank a client to store the value of the voucher for the bank, the a gift certificate for banking and replaced with a second gift certificate to the client request, the providing a replacement second voucher information to the wireless terminal, in response to the voucher exchange of the second voucher for the stored bank to the virtual account information the ever renewed and goods vouchers owned by the client for the bank According to the determination that the check for voucher information for the bank stored at refund request, the virtual account and, voucher utilization factor (%) for the bank corresponds to a refundable utilization factor, and determined that the voucher for the banks stored in the virtual account It characterized in that the residual value of a cash refund to be processed, and / or to the new account to the client who transfers the residual value vouchers for the banks is stored in the virtual account. As a result, a predetermined virtual account 700, the token for the bank associated with the drive, the virtual account for the voucher used by making use of a gift certificate for the bank to real-time exchange with possible vouchers used in a predetermined store by convenience and usability It has the advantage of maximizing. ; Virtual accounts, vouchers, exchange