KR101040752B1 - system for a customized card service and method therefore - Google Patents

Abstract

My style custom card service system according to the present invention, the customer can select the merchant loyalty service selectively according to my style, the card is convenient, you can feel the convenience and intimacy with the use card, the merchant is a member company and sales And advertising effects, and financial institutions can provide differentiated and competitive card products from other financial institutions, and provide merchant services so that customers can select discount stores and receive discount or accumulation services. Merchant service processing unit; Local service processing unit for providing a local service so that the customer can receive a discount or earning services by directly selecting the merchant location or merchant industry; A performance service processing unit that provides a discount or earning service based on the performance of the credit card used by the customer; And a central controller for selectively controlling the performance service processor, the local service processor, and the affiliated service processor.

Personalized, card, service, discount, earning, secure

Description

My style customized card service system and method

The present invention relates to my style customized card service system and method, and more specifically, a customer who is registered as a member of my style customized card service to a card company can be provided with a loyalty service according to customer tendency anytime, anywhere in the field 24 hours a day. My style custom card service system and method.

With the development of credit card infrastructure and the development of electronic commerce on the Internet, card users such as credit cards are increasing. Card companies are providing various additional services to attract or attract more customers. It is opening up and expanding.

However, according to the conventional credit card service method, the credit points of the card company is made only at the affiliated shop secured by the card company through a separate service contract. Therefore, from the member's point of view, there is a problem in that the service cannot be provided unless the visitor has the card.

Therefore, the member's point of view is to give up the long-distance merchant loyalty service from the beginning because it must try to find a certain affiliated place near their home or irrespective of their living range, which causes a problem of poor use of the card service. .

According to another conventional credit card service method for solving such a problem, if there is a card of a type providing a service desired by a member, a method of applying for and issuing this service has been proposed.

For example, a customer is issued a credit card of his choice among a gas card, a car card, a point credit card, and a specific company or a group membership card to receive an additional service provided by the card.

However, such a credit card service method also has a problem that can not actively respond to the customer's lifestyle, because the service that a member can receive is limited or specified in the service of some specific areas of interest.

In addition, the existing card loyalty service methods are unilaterally provided regardless of the merchants they frequently use, so they still do not satisfy the need for customer-oriented credit card services.

Accordingly, the present invention has been created to solve the above problems, the object of the present invention is my style customized card service system and method that the customer can actively select the loyalty service according to customer preferences according to my lifestyle To provide.

My style customized service system according to the present invention for achieving this object is a merchant service processing unit for providing a merchant service so that customers can directly select a merchant to receive a discount or earned services; Local service processing unit for providing a local service so that the customer can receive a discount or earning services by directly selecting the merchant location or merchant industry; A performance service processing unit that provides a discount or earning service based on the performance of the credit card used by the customer; And a central controller for selectively controlling the performance service processor, the local service processor, and the affiliated service processor. Preferably, the central control unit can directly select the discount service and the accumulation service.

The service system may further include a security service processing unit that provides a card security service for selectively restricting a transaction type by limiting a usage type of a card, an industry type limit, a time limit, and a service limit.

The service system stores a member information DB for storing personal information of a customer, a card use history DB for storing a card use history, a merchant information DB for storing information related to an affiliated store used by a customer, and information related to a selected service that is a customer. The database may further include a database including the customer selection information DB.

In addition, my style personalized service method according to the present invention is the step of applying for my style personalized service through the Internet network, the step of selecting a benefit service of the customer directly discount services and earned services from the homepage of the style personalized service Selecting a usage service of one of a merchant service, a local service, and a performance service on the homepage of the personalized service, and selectively restricting the type of card to be used on the homepage of the personalized service; Selecting a card security service to limit the industry.

The merchant service stores the card number of the customer and the merchant number of the merchant in association with each other, comparing the card number used when using the customer's credit card and the merchant number of the user and the stored card number and the merchant number, and the customer's It is preferable to include the step of providing a discount or accumulation service when the card number used when using the credit card and the merchant number of the place of use and the stored card number and the merchant number match.

The affiliated store number can be confirmed by searching for a business name of the affiliated store or searching a postal code for each region.

The local service selects the location of the merchant to use a credit card, comparing the location of the merchant and the location selected by the customer when the customer uses the credit card, and the location of the merchant and the customer selected. Providing a discount or earning service that matches the location.

The location of the affiliated store preferably uses a part of the postal code.

The performance service may provide a discount or earning service according to the ranking by managing the card use history for each merchant by card type.

In the card security service, it is preferable to provide a limited form by use type limitation, industry type limitation and time limitation.

The industry type limit is preferably managed to generate an industry type code.

According to an embodiment of the present invention, the customer may be provided with a loyalty service in the field by immediately selecting an affiliated store according to my lifestyle, around my home, around my company, or within my activities.

In addition, according to an embodiment of the present invention from the customer's point of view of the loyalty service that can be missed by the financial institution or merchant by using a postal code, credit card number, merchant number, etc., additionally by card, industry by month For example, it can be provided according to the performance of merchants.

In addition, according to an embodiment of the present invention, from the standpoint of the merchant, it is possible to secure more regular customers and at the same time promote the advertising effect and sales increase effect.

In addition, according to an embodiment of the present invention, from a financial institution's point of view, it can have a differentiation from card service products of other financial institutions, ensure competitiveness, and increase the number of members and increase sales.

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

In the present specification, "royalty service" includes discounts, points, coupons, etc. provided to a customer by a merchant or a financial institution according to the number of visits, the amount of purchase, etc. of the customer.

1 is a block diagram showing the configuration of my style custom card service system according to an embodiment of the present invention.

As shown in Figure 1, my style customized card service system according to an embodiment of the present invention includes an Internet network 100, customer terminal 200, merchant terminal 400 and the card company server (300).

The internet network 100 may include a wired internet network of the TCP / IP protocol and a wireless internet network of the WAP protocol, and the customer terminal 200, the merchant terminal 400, and the card company server 300 may also have data with an external device. It is a matter of course that a communication device such as a modem and a LAN card for transmitting and receiving and a separate communication module (not shown) for performing data communication by driving the communication device are omitted. do.

When the customer terminal 200 already has a credit card or a customer who wants to apply for a credit card and wants to apply for a customer benefit service or a customer use service, the customer terminal 200 accesses the card company server 300 to register or change a service. Used. The customer benefit service is provided to customers based on their credit card performance, which can be classified into discount service and earned service, and can be selected by the customer. Customer use service is a service that allows customers to select their own services according to the location or type of merchant using a credit card, which may be classified into regional services, merchant services, and performance services. Let's explain.

The merchant terminal 400 is a terminal possessed by a merchant that purchases goods and the like so that a corresponding credit card can be used, and through this, details of the results of the customer using the credit card are stored in the card company server 300. Is sent to.

The card company server 300 includes a central controller 320, a merchant service processor 320, a local service processor 340, a performance service processor 350, a security service processor 360, and a database 310. The database 310 includes a member information DB 311, a card usage history DB 312, a merchant information DB 313, and a customer selection information DB 314.

The merchant service processing unit 330 provides a merchant service selected by the credit card customer through the customer terminal 200 or by visiting the bank directly by the customer, through which the customer selects and stores a preferred card number and merchant number. The merchant service processor 330 may provide a merchant verification function to a customer. The merchant check function allows you to search the merchants by entering the merchant name of the merchant, and you can query the merchants by using the postal code or the city name of the city or district.

The central control unit 320 associates the customer card number and the merchant number selected by the customer from the information stored in the affiliate store information DB 313 and the member information DB 311, and stores the stored information in the customer selection information DB 314. When the credit card is used, the merchant number and the card number coincide with the information stored in the customer selection information DB 314, so that the customer is provided with a loyalty service such as a discount or an earning service.

The loyalty service is a customer benefit service, which the customer can select according to the customer's intention while registering or using a credit card, and is stored in the member information DB 311 so as to be linked with the personal information of the member.

The local service processing unit 340 provides a regional service that a credit card customer selects through the customer terminal 200 or by visiting the bank directly, and the customer provides a royalty service according to the region where the credit card is to be used. It can be provided, by selecting the region and the corresponding merchant industry, you can select the region and industry at the same time, in this case, there is an advantage to receive a greater customer benefit service.

That is, it is possible to select a limited number of types of merchants to all regions or to select all types of merchants by region or to limit the types of merchants at the same time.

The selected information is stored in the customer selection information DB 314 in association with the personal information of the member, and when the customer uses the credit card, the customer's billing address stored in the member information DB 311 is utilized. Merchants in the industry and customers use the postal codes of the regions that receive billing statements to determine whether they match and provide royalty services.

The performance service processor 350 provides a performance service that a credit card customer selects through the customer terminal 200 or by visiting the bank directly, and the performance service processor 350 stores the card usage history DB 312. Analyzes the information on the card and tracks the amount of card use, industry, and merchants by card, industry, and merchant each month, providing merchant loyalty services based on the amount or frequency of use, or providing discounts and earning services. You may.

The central processing unit 320 controls each of the processing units 330, 340, 350, and 360 to provide a customer use service of the performance service, the local service, and the merchant service, and also provides the card security service through the customer terminal 200. Content is provided for selection, and contents for the card security service are provided to the affiliated store terminal 400 through the security service processor 360.

The card security service provided through the security service processor 360 includes a usage type restriction, an industry type restriction, a time limit, and a service restriction in association with each card number, and may selectively restrict a transaction type. The restriction information is stored in the member information DB 311 and the customer selection information DB 314. This security service is provided in connection with the card number, and service restriction can selectively limit the customer use service and the customer benefit service, and the time limit restricts the time for using the card in connection with the card number. Restrictions are restrictions on installments, lump sum payments, cash services, etc., and industry restrictions restrict the use of credit cards for specific businesses by restricting merchants to codes or restricting the use of credit cards to specific businesses. The use of the card can be restricted, and the youth can be protected from harmful environments such as games and gambling to promote sound card use.

The member information DB 311 stores basic information about a customer who uses a credit card. The information is constructed by the card company as a customer name, a customer ID, a password, a mail account, an address, a social security number, a contact number, Stores information about card number, card password, card type, card expiration date, usage amount, service type, etc.

The card usage history DB 312 stores the usage history of the credit card used by the customer, the transaction authorization number, customer name, customer card number, purchase date, purchase method, details (merchants), purchase amount, etc. It can be classified and stored in various ways by member, period, affiliated store, date, etc.

The merchant information DB (313) stores the information of the merchants to provide a customized service system according to an embodiment of the present invention, merchant code, merchant ID, password for the merchant ID, merchant industry, merchant location, Stores information about related companies, etc.

The customer selection information DB 314 stores the information required to provide a customer use service, the service information selected by the customer among the customer use service and the card number and the affiliated store number in association with the service information is stored therein Provide services, local services and performance services.

Next, a service method using my style customized card service system according to an exemplary embodiment of the present invention will be described in detail with reference to the accompanying drawings.

2 is a flowchart illustrating a method of customizing a style card according to an embodiment of the present invention in order.

First, as shown in Figure 2, in my style customized card service method according to an embodiment of the present invention, the card company to the homepage provided through the Internet network 100 and the customer terminal 200 by the card company server 300 Through the application for my style custom card service to promote and recruit, through which customers who want to apply for a credit card or to apply for a credit card for my style custom service (S110). You can also apply for this style custom service by visiting your bank.

Subsequently, the customer selects a customer benefit service, that is, a discount service or a earning service, that provides a service with respect to the performance of using the card (S120). Typically, the discount service is a service that discounts the price for the goods purchased at the merchant, the earning service is a service that earns a certain share of the amount to purchase. At this time, the selection information of the customer benefit service is stored in the member information DB 311.

Subsequently, the customer selects a card security service that selectively restricts the type of card to be used or restricts the type of business while accessing the homepage of the bank through the customer terminal 200 (S130). In the card security service, transaction types can be selectively restricted by usage type restrictions, industry restrictions, time restrictions, and service restrictions, and these security services are performed in association with the card number. The service limit selectively restricts the customer use service and the customer benefit service, and it is possible to select different restrictions by card number. In the time limit, it is possible to selectively limit the use time of the card based on 0-24 hours. For example, installment restrictions, lump sum payments, cash services, etc. can be restricted.In industry restrictions, merchants can be classified into codes to restrict the use of credit cards for certain types of businesses, or to use cards only for certain types of business. It is possible to limit so that.

Subsequently, the customer selects one of a customer use service of the bank provided through the Internet network 100, that is, a merchant service, a local service, and a performance service (S140).

First, if the merchant service is selected (S150), the customer can check the merchant number through the screen provided on the homepage, such merchant number can be searched by entering the business name or by entering the postal code by region or city-gu- The name of the agreement can be entered and inquired, and this inquiry is made through the central control unit 320 and the affiliated store service processing unit 330, and all information about the affiliated store is provided from the affiliated store information DB 313. When the customer selects the merchant number and then selects his / her preferred card number and the preferred merchant number and stores them in association with each other (S160), the information is stored in the customer selection information DB 314 through the merchant service processor 330. Stored. After selecting such a merchant service, when a customer purchases goods and pays at the merchant using a credit card, the merchant service processing unit 330 selects the card number of the card used for payment and the merchant number of the merchant using the card. Comparing with the merchant number and the card number of the customer stored in association with each other in the DB (314) (S170). At this time, if the card number and merchant number of the card used for payment and the merchant number stored in the customer selection information DB 314 and the card number of the customer match, the customer selects directly by providing a larger discount and earning service. It provides a card service (S180).

On the other hand, when a customer applies for local service through a screen provided on the homepage, a screen is provided for selecting a business type of a preferred merchant or limiting a preferred region using a card (S190). Through this, the customer selects the business area of the region or the merchant to use the card, or selects the location of the merchant and the business type of the merchant at the same time with the region and the industry (S200). At this time, you can select a limited number of merchants to all regions or select a limited number of merchants to all sectors, and you can select a limited number of merchants at the same time in order to receive more customer discounts or earned services. . Subsequently, when the customer uses a credit card, the local service processor 340 stores the billing address of the customer stored in the member information DB 311 and the merchant and address of the selected business type using the card number of the customer. Extracting from the DB 313 compares the location using the card and the location of the merchant through the postal code to determine whether or not to provide a discount or earning service (S180).

On the other hand, if the credit card customer selects the performance service through the homepage provided through the customer terminal 200, the performance service processing unit 350 for each month by the card information, stored in the card usage history DB 312, Analyzes and manages the amount of use of the card by industry and merchant (S220), thereby extracting the top few merchants or businesses based on the most used merchant number and providing discount and earning services (S230).

As described above, in my style customized card service system and method according to an embodiment of the present invention, the customer directly selects a discount or earning service, and the customer directly selects a service related to an affiliate store, region, and performance using the card. By providing a personalized service, you can attract more customers and improve card utilization. In addition, the customer can improve the utility of the card and at the same time can use the efficient discount or earning services, thereby improving the customer's satisfaction. In addition, merchants can secure more regular customers and at the same time increase sales.

1 is a block diagram showing the configuration of my style custom card service system according to an embodiment of the present invention,

2 is a flowchart illustrating a method of customizing a style card according to an embodiment of the present invention in order.

Claims (12)

Merchant service processing unit for allowing the customer to directly select the merchant to receive a royalty service provided by the merchant; A local service processing unit providing local services so that customers can select a merchant business type according to the location of the customer and receive royalty services; A performance service processor for providing a royalty service based on the performance of the credit card used by the customer; And A central control unit for selectively controlling the performance service processor, the local service processor, and the affiliated service processor; A security service processor providing a card security service for limiting a transaction type; Member information DB to store the personal information of the customer, Card usage history DB to store the card usage history, Merchant information DB to store information related to the merchant used by the customer, and customer selection information to store information related to the service selected by the customer Includes a database containing a DB, The local service processing unit, Receiving the selection of the location of the merchant to use the credit card from the customer terminal; After receiving the merchant location from the merchant terminal when using the customer's credit card, and compares the location of the merchant selected from the customer terminal, Loyalty service is provided when the location of the merchant and the location selected by the customer terminal coincide with each other, The local service processing unit checks the location of the affiliate store using a postal code, The security service processor provides a usage type restriction, a business type restriction, and a time restriction service to the card security service. The industry limitation is my style customized service system, characterized in that the security service processor generates and manages the industry code. The method of claim 1, The central control unit my style customized card service system that allows the customer to directly select a discount or earning services of the loyalty service. delete delete Receiving a request for a custom style service from the client terminal through the Internet through the central control unit; Providing, by the central control unit, a homepage of the personalized service of my style, and selecting one of a discount service and an accumulation service from the customer terminal; Selecting, by the central control unit, one of a merchant service, a local service, and a performance service from the customer terminal on the homepage of the personalized service; And And receiving, by the central control unit, a card security service for selectively restricting a type of card use or restricting a business type from the customer terminal on the homepage of the user's style customized service, The local service Receiving, by the local service processor, a location of the affiliated store to use a credit card from the customer terminal; Receiving, by the local service processor, a merchant location from a merchant terminal when using a credit card of a customer, and comparing the locations of the merchants selected from the customer terminal; And And providing the loyalty service to the local service processor when the location of the affiliated store at the location of use and the location selected by the customer terminal match. The local service processing unit checks the location of the affiliate store using a postal code, The security service processor provides a usage type restriction, a business type restriction, and a time restriction service to the card security service. The industry limitation is my style customized service method that the security service processor generates and manages the industry code. The method of claim 5, The merchant service Storing, by the merchant service processor, a card number of the customer and an affiliate store number of the affiliate store; Comparing, by the merchant service processor, a used card number received from the merchant terminal when the customer uses a credit card and the merchant number of the user with the stored card number and the merchant number; And The merchant service processing unit provides a royalty service when the card number used when the customer uses the credit card and the merchant number of the store and the stored card number and the merchant number match. The method of claim 6, The merchant number is my style customized service method that the merchant service processing unit to check the merchant name of the merchant or search by searching the postal code by region. delete delete The method of claim 5, The performance service is a style-specific service method that provides a loyalty service to the performance service processing unit according to the ranking by tracking the card, industry, merchant, card usage history. delete delete

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