KR101092950B1 - Digital name card system and operating method thereof - Google Patents

Abstract

The present invention relates to a digital business card system and an operation method for providing a digital business card capable of providing various information on the affiliated store according to a user's use of the affiliated store, thereby increasing its recyclability and interest in the affiliated store. When using, send the digital business card configured with additional information and functions including the map information of the affiliated store to the user terminal so that the user can check the transaction details along with the transaction details through the corresponding business card at any time. And by making it possible to use, there is an effect that can effectively promote the merchant while promoting the convenience of the user.

Digital business cards, electronic maps, merchant locations, add-ons, credit cards, authorization history

Description

Digital business card system and operating method thereof

The present invention relates to a digital business card system and a method of operating the same, and in particular, to provide a digital business card that can provide a variety of information on the merchant in accordance with the user's use of the digital business card to increase its recyclability and interest in the merchant A system and a method of operating the same.

Credit cards or debit cards used in various financial transactions go through the approval process when the user uses the merchant.In order to prevent fraudulent use, recently, the authorization details of the use of these cards are briefly read to the card user's mobile terminal. It is provided through the Short Message Service (SMS).

1 shows a configuration for a general credit card using system, the merchant terminal 10 connected to the card company server 40 through the communication network 30, and the approval for payment received and approved by the card company server 40 The SMS sending unit 50 transmits the details to the SMS, and the user terminal 22 receiving the approval details transmitted by the SMS sending unit 50. To this end, the card company server 40 uses a database 45 including merchant information and user information (user terminal information).

When using the credit card 21 at the affiliated store where the affiliated store terminal 10 is located, the payment information is transmitted to the card company server 40, and when the card company server 40 confirms and approves the payment details, the corresponding approval information. Is provided to the merchant server 10 to terminate the transaction. The card company server 40 may provide an immediate notification service for the card approval details, and provide the approval details to the SMS sending unit 50 to the user terminal 22.

Through this configuration, it is possible to notify the user of the details of the card usage in real time, thereby preventing fraudulent use of the card and allowing the user to manage the usage history on the terminal.

On the other hand, due to the recent emergence of location-based services and the development of applications thereof, a method of identifying unauthorized use in consideration of the location of the merchant terminal 10 and the location of the user terminal 22 of the card user, or a user terminal ( 22 and additional services such as providing advertisements or coupons to affiliated stores may be provided when passing through the predetermined region 11.

However, the SMS reception of the card payment information is provided only due to the limited message capacity (80 bytes), the amount of the transaction and the name of the merchant, and some of them may not be delivered due to the capacity limitation.

In many cases, the registered name of the merchant may be different from the name of the actual service provider. In this case, it is difficult to remember where the transaction was made even if the user later checks the payment information, and it is difficult to manage mixed with other kinds of messages. Often deleted along with spam messages.

Therefore, if you check the list of card usage provided monthly, you often forget which service you received from which merchant, and it is difficult to manage the information about the merchant that you were satisfied with in the transaction. Will occur. This inconvenience may be a user complaint to the card company, causing a situation in which merchants miss valid customers.

On the other hand, in the case of providing advertisements by region using location-based services, advertisements are provided based on location irrespective of the user's intention, so they are often processed as spam messages by users, and SMS is mostly provided even when coupons are provided. Because the callback URL method is used, users are likely to spend excessive unintentional communication costs when accessing such data. As a result, it may give a bad impression on the target of the advertisement, and thus, the advertisement or the coupon offer may be adversely affected.

As transactions with credit cards, debit cards, and new and emerging electronic currencies are being activated and generalized, transactions through them are very frequent, and users are required to understand their usage more clearly. There is a need for a means of effectively informing oneself and allowing a user with repeated experiences to come back repeatedly.

However, until now, it is only a method of providing the visitor with analog and easily lost types such as paper transaction statements, merchant business cards, or flyers, so that the details of the transaction can be checked by means of a kind suitable for the ubiquitous digital era. At the same time, merchants are urgently required for a system or method to introduce themselves effectively.

The purpose of the embodiments of the present invention newly proposed for checking the new payment details and introducing an effective merchant is to provide a user with a digital business card configured with additional information and functions including map information for the affiliated store together with the approval details provided when using the affiliated store. The present invention provides a digital business card system and a method of operating the same so that a user can always check and utilize detailed information on the affiliated store together with the approval details through the corresponding business card.

Another object of the embodiments of the present invention is to use a merchant to deliver a digital business card to a user terminal, which provides map information and detailed information of the affiliated store and related coupon information or surrounding information according to a user selection according to the use of the affiliated store through a credit card. It is to provide a digital business card system and its operation method to improve the quality of service provided by credit card companies by providing a wealth of information.

Another object of the embodiments of the present invention is to provide the user terminal with digital business card information as the map information of the affiliated store according to the use of the merchant, and to utilize an electronic map service including road guidance and traffic guidance through the map information. In addition, the present invention provides a digital business card system and a method of operating the same, which can deliver such contents to other users, thereby enhancing the user's convenience and maximizing access to the merchant.

Another object of the embodiments of the present invention is to provide a user with a digital business card including the map information of the merchant and the details of the affiliate store according to the use of the affiliated store to the user terminal, as well as the map information of the digital card and the route guidance of the user terminal (navigation). It is to provide a digital business card system and its operation method to increase the accessibility of the digital business card to the merchant by interlocking services.

Another object of the embodiments of the present invention is to provide information provided by the transaction information notification service according to the financial transaction as well as the credit card to the digital business card including the point where the financial transaction occurred or online merchant information so that the transaction with the transaction information It is to provide a digital business card system and a method of operating the same to further provide additional information related to.

Another object of the embodiments of the present invention is to provide merchant digital business card information to various user terminals in various formats, and manage the digital business card information through a dedicated management means such as a widget or manage the digital business card through an online digital business card site. The present invention provides a digital business card system and a method of operating the digital business card which can enhance the maintenance, management and use of the digital business card.

In order to achieve the above object, a digital business card system according to an embodiment of the present invention includes a transaction result receiving unit for receiving a transaction result including transaction details, user information and account information from an external financial company server; A map information processor for providing customer electronic map information corresponding to geographic information according to the customer information; An additional information manager for providing additional information about the transaction; The user terminal according to the user information is a digital business card having the trading partner electronic map information received from the map information processing unit and the additional information provided by the additional information management unit, an additional function utilizing the electronic map and the additional information, and the transaction result. It comprises a digital business card generating unit configured to correspond to.

The digital business card generating unit may further include a digital business card sending unit configured to transmit the digital business card generated by the at least one or more formats of callback SMS, MMS, email, and dedicated data to the user terminal.

The transaction may be at least one of payment using a credit-based payment method including a credit card and a debit card, and an electronic payment according to a change in the account details deposited and withdrawn through a financial computer network.

The account may include one or more of a card merchant, a financial company payment machine, an automatic teller machine.

The map information processing unit extracts, from the electronic map information, electronic map information of a predetermined area centered on geographic information according to the customer information in a form of data applied to a picture or a map linked application.

The digital business card generator may include a map providing application link to which the data applied to a map interworking application is applied to the digital business card, and provide the digital business card by e-mail.

The additional information management unit provides at least one or more information of coupons, advertisements, detailed information, coupons, advertisements, and detailed information of the neighboring customers near the customers, to the digital business card generation unit.

The digital business card generator may configure the digital business card in a form in which the additional information may be added to the received business partner electronic map information or additionally provided through a user's terminal operation. The digital business card generator may request the additional information. An additional function for providing the additional information management unit to the additional information management unit may be inserted into the digital business card using the communication function of the user terminal.

Here, the additional information manager transmits the digital business card or the customer electronic map information to another terminal, an address, or a predetermined specific website according to the request information received from the user terminal, or collects additional information to collect the user terminal. Can be sent to.

A digital business card system according to another embodiment of the present invention is a digital business card system for receiving transaction information according to the use of a card at a card merchant from a card company and providing the transaction information and merchant information as a digital business card to the card user terminal. Acquisition of corresponding location information based on the merchant information included in the transaction information received from the card company, through this to obtain map information centered on the merchant location information on the electronic map, the transaction information and the merchant information and obtained A digital management server for generating a digital business card including affiliated store map information; And a digital business card sending unit for transmitting the digital business card generated by the digital management server to one or more terminals designated as the card user terminal.

The digital management server may further include an affiliate store database including affiliate store information including at least one of the affiliate store location information, affiliate store detailed information, coupon information, advertisement information, and traffic information.

The digital management server transmits the digital business card or the electronic map to another terminal or address or a web server through the card user terminal operation, connects a telephone to the affiliated store, provides traffic information about the affiliated store, or provides the affiliated store. The digital business card may include information for providing at least one or more of additional functions for providing detailed information regarding the affiliated store or a coupon or advertisement of the affiliated store or neighboring stores.

According to another aspect of the present invention, there is provided a method of operating a digital business card system, the method comprising: obtaining transaction details and user information and merchant information from a card company and acquiring map information according to a merchant location by receiving transaction information and user information and merchant information; ; An additional information obtaining step of obtaining additional information about the affiliated store according to the received affiliated store information; A digital business card generation step of generating a merchant map information obtained in the transaction details and map information acquisition step and additional information and transaction history information obtained in the additional information acquisition step into a multimedia-based digital business card; And a transmitting step of transmitting the digital business card to the user terminal according to the user information.

In the digital business card generation step, the digital business card may include an additional function of processing the location information of the affiliate store included in the digital business card into information that can be accommodated in another type of road guide service and transmitting the same to the digital business card. .

According to an embodiment of the present invention, a digital business card system and a method of operating the same may be provided to a user terminal by transmitting a digital business card configured with additional information and a function including a map information of the affiliated store and providing transaction details when using the affiliated store. By allowing the business card to check and utilize the transaction details along with the detailed information of the affiliated store at any time, it is possible to effectively promote the merchant while promoting the convenience of the user. In addition, the digital business card can be handled and managed as an electronic receipt, and therefore, it is possible to manage expenses.

According to an embodiment of the present invention, a digital business card system and a method of operating the same may include a user terminal having a digital business card that provides map information, detailed information, relevant coupon information, and surrounding information of the affiliated store according to a user selection according to the use of the affiliated store through a credit card. By delivering to, by providing a wealth of information according to the use of the merchant there is an effect that can increase the service satisfaction provided by credit card companies.

According to an embodiment of the present invention, a digital business card system and an operation method thereof provide electronic map information including a road guide and a traffic guide through the map information while providing map information of the affiliated store as digital business card information according to the use of the affiliated store. Not only can the map service be used, but also the contents can be delivered to other users, thereby increasing the user's convenience and maximizing the accessibility of the merchant, and thus the merchant has a high advertising effect at a low cost.

According to an embodiment of the present invention, a digital business card system and a method of operating the same provide a user with a digital business card including a map information of an affiliated store and detailed information of the affiliated store according to the use of the affiliated store, and the map information of the digital business card and the user terminal. By interlocking with the route guidance service, the effect of maximizing the accessibility of the digital business card to the merchant and the utilization of the route guidance service are effective.

The digital business card system and its operation method according to an embodiment of the present invention to provide the information provided by the transaction information notification service according to the financial transaction as well as the credit card to the digital business card including the point where the financial transaction occurred or online merchant information. Along with the transaction information, it is possible to provide additional information related to the transaction, thereby increasing the user's satisfaction.

The digital business card system and its operation method according to an embodiment of the present invention provide merchant digital business card information to various user terminals in various formats, and manage the digital business card information through a dedicated management means such as a widget or manage an online digital business card site. By managing the digital business card through, it is possible to maximize the function as a practical business card by increasing the convenience of maintenance and management and use of the digital business card.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings.

Figure 2 shows the configuration of the card approval history guidance system applying the digital business card system according to an embodiment of the present invention, the merchant terminal 110 is disposed in the affiliated store 115 located at a specific place as shown, and the affiliated store It is connected to the terminal 110 and the communication network 130 to receive payment information and provide payment approval information, and when such a payment is completed, request a service to externally transmit the approval details information to the user terminal (122, 123) Receiving transaction information, user information and merchant information from the card company server 140 and the card company server 140, the electronic map information, additional functions, additional information and the transaction information based on the location information of the merchant Recalling a digital business card management server 150 for generating a digital business card including, and a digital business card generated by the digital business card management server 150; User includes a digital business card sending unit 160 for transmitting to the terminal (122, 123).

The card company server 140 may use an affiliated store and a customer information database 145 for processing payment according to the use of a card, and the digital business card management server 150 manages additional information of affiliated stores to be included in the digital business card. Merchant database 155 may be used.

As shown, the digital business card management server 150 provides map information for the affiliated store 115 by using an external electronic map providing server, which may be included if necessary. The map information may be a picture or data for a predetermined map utilization application. For this purpose, the digital business card provided to the user terminals 122 and 123 of the user of the card 121 may have a multimedia form. That is, when provided as an SMS, the user receives a digital business card and uses a callback URL such as providing a digital business card or a web address provided with the digital business card according to a user's selection. The digital business card may be provided in the form of a verifiable multimedia message (hereinafter referred to as MMS) or in the form of an e-mail message that may provide various functions. Here, unlike MMS, since an e-mail message has a high risk of hacking, only the entire digital card or the transaction details can be encrypted and transmitted using the user's personal information.

On the other hand, the form that can be provided is not limited to such a general message and may be composed of predetermined dedicated data, which delivers the dedicated data to a terminal provided with a dedicated widget program, a messenger supporting the corresponding function, or a separate dedicated program. Method can be used. In addition, if necessary, such a dedicated program can be automatically downloaded and installed in the user terminal.

 In the present embodiment, the digital business card service provided by the digital business card management server 150, unlike the existing card approval history notification service that provides payment information as limited text information, maximizes detailed information and re-accessibility of the affiliated store. By delivering digital business cards with maps and add-ons to card users, they can also provide information about transactions, allowing users to obtain more specific information about transactions and more accurate information about the merchants they have actually used. The merchant can expect the user's revisit through the digital business card, which is an easy re-access means. In addition, the card company can provide a detailed payment history according to the user's use of the card, thereby greatly increasing the service quality for the user and thereby increasing the user's satisfaction.

For example, even if it is difficult for the user to check which transaction is based only on the date, payment amount, and the name of the client, the digital business card of the present invention can be used to confirm which transaction was specifically used in which affiliated store, so that the transaction can be easily confirmed. If you want to return to your home country, you can easily return to the map.

In addition, such a digital business card may be managed as an electronic receipt in the future, and the affiliated store may use a digital business card without approval details as a promotion or promotion means by utilizing the digital business card usage history. In this case, additional information or functions of the digital business card can be modified or changed as the merchant wants.

3 to 5 show an example of the configuration of a digital business card according to an embodiment of the present invention, through which the configuration and function of the digital business card of the present invention.

3 illustrates an example of providing a digital business card according to the use of a card, and illustrates that the card approval details are received by the mobile communication terminal 180 after the card is used at the affiliate store 170. On the screen 181 of the digital business card received by the illustrated mobile communication terminal 180, basic approval details 182, such as date and time, amount, and merchant information, are completely provided, and visually confirming location information of the merchant is electronic map. Provided at 183.

On the other hand, the electronic map 183 may be provided as a simple fixed picture, but may be configured and transmitted to function as an electronic map capable of enlarging / reducing or moving at least a certain area. Its content can be varied according to the support function of MMS. However, since the digital business card of the present embodiment is not limited to the MMS message, the specific form and providing function of the provided electronic map may vary according to the type of the terminal and the providing format of the user. For example, in case of using e-mail message format with various data utilization and free network link, the map providing application link with data applied to the map interlocking application can be added to the digital business card as electronic map information. You can take advantage of the various functions of.

In addition, the illustrated electronic map 183 may further provide additional functions in addition to the information about the simple merchant location, so that when the additional functions such as directions, directions, and surrounding information are selected, the corresponding information may be provided. do. For example, the directions may be simply to provide more geographic information about the merchant in a letter or a picture, or may provide route information for reaching the affiliate store by identifying the actual user's location. For example, public transportation information or driving information may be provided. In order to provide the above-mentioned path information, functions such as location checking of the user terminal and path search through the same are required, which may be selectively applied according to the type of the user terminal, the format of the digital card and the communication state.

Through the manipulation of the mobile communication terminal 180, the use of the electronic map 183 (expand / reduce / move) or additional functions (direction, providing surrounding information, etc.) may be used, and to check additional information on the affiliated store. If you do, you can also find additional details such as the merchant's specific address, phone number, history, industry, introduction, and advertisements.

Figure 4 shows an example of receiving and using the digital business card received in the form of MMS, as shown in the MMS message inbox screen 181 by selecting the digital business card of the merchant name can be checked at any time the digital business card. You can reconfirm and recycle your card usage and business card content. If you manage them by dividing them into separate categories, you can only check and search digital business cards. Through this, it is possible to expect the function of managing the card authorization history and the accessibility management function for the merchants used, and it can also be used as an electronic receipt.

When the received message corresponding to the digital business card is selected, the digital business card screen 192 as described above is provided. In the case of a mobile communication terminal having a limited interface, since a specific operation may be difficult, an operation screen 193 composed of multimedia or text may be further provided.

This allows you to use a variety of additional features, such that the user can easily use the digital business card, such as contact, check additional information, receive coupons, or access information (transportation, directions) You can get the location, or make the location as an appointment and transfer the location to another person's terminal as text or map, or you can download the digital business card with other terminal or other kinds of data of the terminal.

To this end, the digital business card management server may receive additional information for providing additional functions from the affiliate store and manage the additional business card through the affiliate store database, and the additional information may be changed according to a connection or request of the affiliate store (subscriber). On the other hand, in some cases, the merchant may request to send a digital business card as a means of promotion or promotion, and thus may be utilized as a new form of advertising means.

In addition, the additional function provided by the digital business card is provided with all the contents included in the corresponding digital business card and is provided according to the user's operation of the terminal (in case of providing additional information) or processed by the terminal itself (calling, location transmission, etc.). It may be configured as a local message, but in some cases, the request information is provided to the digital business card management server so that the digital business card management server receives such a request, and thus additional information message (additional information provision request). In the case of), or to perform an operation according to the instruction (when the use of a server function such as a download of a digital business card or a request for delivery to another terminal is economical).

In the illustrated example, a function of providing a location of an affiliated store in detail through an operation of a mobile communication terminal, a function of providing a coupon or advertisement of the affiliated store or neighboring stores, a function of directly connecting a phone to the affiliated store, and traffic related to the affiliated store A function of guiding information, a function of providing a road guide regarding the affiliated store, a function of transmitting the electronic map to another terminal, an address or a web server, a function of providing detailed information of the affiliated store, and a digital business card of another type. It is an example of providing as an additional function the ability to download data or download it to another terminal, an e-mail address, or a web server.

The additional functions may be provided through a link or a predetermined application (flash, etc.) in the case of other types of formats, and if the digital business card is provided in the form of being received through a widget, a messenger, or another type of dedicated program, It may be provided in the form using the format and interface according to.

FIG. 5 illustrates an example of an additional configuration of the digital business card, in which additional information is provided together on the basic digital business card screen shown in FIG. 3. The screen 200 showing a part of the illustrated digital business card shows additional information additionally provided under the electronic map 220 when the screen 210 of FIG. 3 is scrolled down 210. In the illustrated example, a lucky number 230 for inducing the digital business card to be maintained for a certain period by using the digital business card as a kind of luck ticket (used in a lottery, etc.), a coupon 240 provided by the merchant, and neighboring merchants Advertisement or coupon 250 is shown to be provided with the form. Such additional information may increase the utilization of the digital business card, thereby increasing its preservation potential and increasing the advertising effect on the affiliated store.

In the case of a mobile terminal, which is always carried by the user, MMS has a high transmission cost compared to SMS, but its utilization is low. The gap is expected to diminish. In addition, in the face of fierce competition among card companies, such a difference in cost is not a big problem because the benefits that can be expected from the improvement of the service quality are greater. In addition, when the emergence of the MVNO in the mobile communication market becomes visible, the cost of sending these MMSs is expected to drop significantly. Therefore, it is economical to provide digital business cards with card approval information using these MMSs. Is enough.

6 and 7 show examples of screens of digital business cards. FIG. 6 is an example of a digital business card that can be received through a mobile communication terminal, and FIG. 7 is an example of a digital business card that can be received via an e-mail.

In the exemplary configuration shown, there are some differences in size and provided information, but basically, the card information and the electronic map information and additional information about the affiliated store are provided as a single unit information, a digital business card, and they are the same digital. It can be considered a business card.

In a preferred embodiment, as shown in Figures 6 and 7, the digital business card is preferably provided in a state capable of direct utilization of the electronic map using the data communication in an environment in which free communication is possible, and additional functions and additional information can also be selected by link or direct selection. It is preferably provided via an interface (using a pointer).

Recently, since mobile communication terminals provide a large screen equipped with a touch screen, and products having enhanced Internet communication functions are widely used, a digital business card such as the illustrated example screen may be provided, and this may be easily used through an interface such as a touch. Can be.

8 illustrates the configuration of the digital business card management server 300 according to an embodiment of the present invention. In the illustrated example, the transaction of the credit card company according to the use of a credit card (or debit card, etc.) as well as the transaction of the card company is shown. Another example is the support of other financial company guidance services that provide historical guidance.

The transaction history guide through the user terminal may include a card approval history guide provided by the card company according to the use of a credit card, and a deposit and withdrawal guide provided by a financial company according to the change of account information according to the deposit and withdrawal transaction. On the other hand, the deposit and withdrawal guide due to the change of account information is also provided by SMS, but due to the limitation of the amount of data (80bytes), some of the contents are not provided frequently, and complaints are being raised. Therefore, the deposit and withdrawal guide according to the change of the account information can also improve the service quality for the user by providing accurate transaction details, location information on the point where the deposit and withdrawal occurred, and customized additional information of the financial sector. Through this map information and additional information, useful information can be obtained.

 As shown in the figure, a transaction result receiving unit 310 which receives a transaction result including a transaction history, user information, and an account information from an external financial company server, and a map providing an electronic map information corresponding to the geographic information according to the account information. The information processing unit 340, the additional information management unit 350 for providing additional information about the customer, and the customer electronic map information received from the map information processing unit 340 and the additional information provided by the additional information management unit 350. And a digital business card generator 330 configured to correspond to the user terminal according to the user information, the digital business card including the information, the additional function utilizing the electronic map and the additional information, and the transaction result.

The digital business card management unit 300 is based on the customer information received from the financial company server, detailed information about the merchants subscribed to the digital business card service as a customer, location information (address information, latitude / longitude information, electronic map index information, etc.) ), Coupon information, advertisement information, etc. may be configured as the merchant database 360. In addition, at the request of the digital business card generation unit 330, location information is transmitted from the affiliate store database 360 to the map information processing unit 340, and additional information related to the affiliate store is transmitted to the additional information manager 350, and affiliate store information. Collecting may further include a merchant information management unit 320 to store in the merchant database 360 and update the existing information. This may be integrated with the digital business card generator 330 as necessary.

The affiliated store information management unit 320 may manage the affiliated store database 360 by collecting information provided through direct access (web access through the subscriber terminal) of affiliated stores and information provided from a financial company server or other information provider.

On the other hand, although not shown, the digital business card management server 300 may further include a digital business card sending unit for transmitting the digital business card generated by the digital business card generator 330 in a format suitable for the user terminal.

Here, the customer includes a card merchant, a financial institution payment machine, an automated teller machine, or an online payment (using the merchant location information, the offline location of the merchant or the Internet access area where the payment was made, and the online access address). Transactions made in the illustrated configuration may include a payment using a credit-based payment method including a credit card and a debit card, and an electronic payment according to a change in account details deposited and withdrawn through a financial computer network.

The map information processor 340 uses the location information of a customer provided through the affiliate database 360 or directly provided through a financial institution server to display the electronic map information centered on the corresponding location in a picture or map linked application. The data is extracted and applied to the digital business card generator 330. In this case, the map information processing unit 340 may include map information for providing an electronic map therein, but for efficient processing, the electronic map information and various map related functions (route search, traffic information, traffic flow, It is desirable to request and provide electronic map information in conjunction with an electronic map providing server that provides public transportation information, photo information, and the like. The electronic map providing server may utilize a server of an electronic map specialized company that is used for a portal, a web page, or a mobile from the outside. The location information of the customer may be latitude / longitude information, index information of an electronic map, or simple address information. Even if you use simple address information, the electronic map contains information about the number, so you can know the exact location through the address.

The additional information manager 350 provides basic details, coupons, and advertisements of the affiliated store as additional information to the digital business card generation unit 330 from the affiliate store database 360 and additionally provides additional information for various additional functions. Can provide

For example, if the user terminal is capable of using a navigation service (navigation service) (for example, any navigation software may be installed and used, or a mobile navigation service (for example, Tmap)). And the like) may generate data for designating location information of the affiliated store as a destination or waypoint in the service and provide the digital business card generator.

In addition, the additional information management unit 350 classifies users based on user information provided from the financial institution server or user related information obtained through separate information collection based on the user information, or based on a payment amount, a place of use, a time, etc. In addition, a kind of targeting function may be performed by selecting additional information, coupons, advertisements, etc. suitable for the corresponding user and providing the additional information to the digital business card generator.

In addition, the user can check the usage status of the affiliated store for each user, or generate various statistical information by using the degree of use of the affiliated store, and provide such information to the outside.

In addition, the additional information management unit 350 may directly or indirectly receive predetermined additional function request information from the user terminal, if necessary, to provide or process the corresponding information. For example, according to the request information received from the user terminal, the digital business card or the merchant electronic map information is transmitted to another terminal or address or a predetermined specific website, or additional information is collected to directly or generate the digital business card. Through the unit 330 may be delivered to the user terminal.

On the other hand, such a digital business card may not only be transmitted in a known general communication message. That is, if a digital business card program (for example, a widget, a messenger, or other dedicated program) is installed in the user terminal in addition to the formats of SMS, MMS, e-mail, etc., the digital business card may be delivered in a format and communication method suitable for the digital business card. In this case, the business cards can be managed, sorted and searched more effectively, and additional functions that can be added can be further extended and the amount of data transmitted can be reduced.

9 is for explaining the operation of the card approval history guide system applying the digital business card system according to an embodiment of the present invention, as shown in the user 610 uses the card in the affiliated store 620 and accordingly The authorization details are received through the user terminal. In the illustrated embodiment, the card authorization details are received in the form of a digital business card including map information and additional functions and additional information about the affiliate store 620.

Meanwhile, the affiliated store 620 applies for a digital business card service to the card company 630 in advance, and provides the related information to the digital business card system 640 directly or through the card company 630. Although not shown, if necessary, the digital business card system 640 may provide additional information or update previously provided additional information.

The card company 630 transmits user information, merchant information and transaction information to the digital business card system 640 and requests the transmission of the digital business card, and if necessary, uses the digital business card service of the user 610 or the merchant 620 before such a request. The service can be selectively provided by checking whether the service can be selectively provided, thereby providing differentiated services to customers or merchants.

The digital business card system 640 generates a digital business card having a more accurate card approval history, affiliate information, electronic map information, and additional functions according to the type of the user terminal or the type of the delivery message, and then generates the digital business card to the user terminal. If necessary, it may receive an additional request from the user terminal to perform a corresponding function.

The basic operation process between these service systems is as follows. First, when the user 610 uses the card in the affiliate store 620, the affiliate store 620 provides the card payment information to the card company 630, and the card company 630 confirms the payment information and then approves the payment. Information is provided to the affiliated store 620.

The card company 630 guides the approval details to a general SMS according to the availability of the digital business card service of the affiliate store 620 or the user 610, or requests the digital business card system 640 to transmit the digital business card as shown. Provide payment information, user information, and merchant information. The payment information may include user information or merchant information.

The digital business card system 640 obtains location information (address or specific location data) from payment information and affiliate store information obtained from the card company 630, obtains electronic map information centering on the corresponding location, and relates to the affiliate store. The additional information is selectively obtained through predetermined filtering (selection of target information according to a predetermined classification condition), and the type of terminal (mobile communication terminal telephone number, e-mail address, predetermined website address) is obtained using the user information included in the user information. , A predetermined dedicated program account, etc.), and the digital card is generated and transmitted to the user terminal by arranging the information according to the format available in the terminal and adding additional functions.

The user 610 may check the contents of the digital business card received by the user terminal to know accurate and various transaction information and merchant information, and may use various additional information or use the corresponding digital business card through an additional function. do. Among these, the predetermined additional function may apply a method of transmitting predetermined request information to the digital business card system 640 and receiving a result or response to the request.

In order to perform the additional function according to the request, the digital business card system 640 may include a configuration supporting the additional function, and may be linked with an external dedicated additional function providing server.

Meanwhile, the digital business card system 640 may obtain various statistical results, such as the utilization of the digital business card, the activation of the affiliated store, the degree of use of the card, etc. by combining the transmission of the digital business card and the user's request. It can be used for analysis of commercial business including affiliated stores.

10 illustrates an example in which the digital business card can be linked with other types of user applications, wherein the user terminal supports a road guidance service (for example, a navigation program is installed or is subscribed to an online navigation service). Or a route guidance function, or a case where it can be linked to an online electronic map), a function of delivering location information of affiliated stores included in the digital business card to the user application among the additional functions of the digital business card. You can add

For example, when the user terminal supports an online road guidance service (for example, a Tmap service (http://tmap.tworld.co.kr/)), the wayfinding or destination setting function provided in the digital business card is provided. If the location of the merchant is delivered to the terminal program for the road guidance service or online server for the road guidance service as the destination setting information of the road guidance service can be guided to the route from their location to the merchant, and automatically Route guidance may be provided immediately by entering the corresponding service mode.

Or, if the user terminal is in a state of free internet communication, an online electronic map (portal electronic map service or dedicated electronics) showing a route from its location to the destination when using the directions or the destination setting function provided in the digital business card. Map service interworking) may be provided through a browser of the terminal.

This can increase the utilization of the digital business card, it is possible to maximize the accessibility to the merchant.

FIG. 11 illustrates an example in which a digital business card is supported by multiple terminals, and may be utilized at any time even when different terminals are used for easy and immediate access of the digital business card.

Recently, a multi-screen service concept such as 3 screens and 4 screens has been introduced for seamless connection of services when users use various terminals and screens. In other words, research is being conducted to link services even when a user uses a portable device, a PC, an Internet Protocol TV (IPTV), or adds an interworking with a vehicle multimedia navigation or telematics system.

Even in the case of the digital business card described above, the user can download the digital business card to a plurality of terminals according to the user's selection so that the user can use it at any time through any terminal. That is, the digital business card download function may be used as the above-described additional function, or when the information about the plurality of terminals is added to the user information.

In addition, by configuring such a digital business card to be managed in an online website, the digital business card management website that the user can access the digital business card at any time while providing a digital business card to at least one of the user terminal (410, 420) ( 460, the user can access the website using any terminal, manage and use the digital business card, and transmit the digital business card to other terminals 430 and 440. On the other hand, such an online website can also be used as an electronic receipt storage.

In the above, certain preferred embodiments of the present invention have been illustrated and described. However, the present invention is not limited to the above-described embodiments, and various changes and modifications may be made by those skilled in the art without departing from the scope of the present invention. .

1 is a block diagram of a conventional credit card authorization history guidance system.

Figure 2 is a block diagram of a credit card approval history guidance system applying a digital business card system according to an embodiment of the present invention.

3 to 5 are diagrams illustrating the configuration of a digital business card according to an embodiment of the present invention.

6 and 7 are diagrams illustrating screen configurations of a digital business card according to an embodiment of the present invention.

8 is a block diagram of a digital business card management server according to an embodiment of the present invention.

9 is a signal flow diagram of a credit card authorization history guidance system according to an embodiment of the present invention.

10 is an exemplary view of utilizing a digital business card according to an embodiment of the present invention.

11 is an exemplary configuration of supporting multiple screens of a digital business card according to an embodiment of the present invention.

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

300: digital business card management server 310: transaction result receiver

320: merchant information management unit 330: digital business card generation unit

340: map information processing unit 350: additional information management unit

360: merchant database

Claims (16)

The digital business card system includes a transaction result receiving unit which receives a transaction result including transaction details, user information, and account information from an external financial institution server; A map information processor for providing customer electronic map information corresponding to geographic information according to the customer information; An additional information manager which provides additional information about the customer; The user terminal according to the user information is a digital business card having the trading partner electronic map information received from the map information processing unit and the additional information provided by the additional information management unit, an additional function utilizing the electronic map and the additional information, and the transaction result. Including a digital business card generator configured to correspond to, The additional function, Send the digital business card or electronic map to another terminal or address or web server, connect a telephone to the affiliated store, provide traffic information about the affiliated store, provide detailed information about the affiliated store, At least one or more of the functions to provide a merchant coupon or advertisement, The digital business card system, characterized in that processed by the user terminal itself in accordance with the operation of the user terminal. The digital business card system of claim 1, further comprising a digital business card sending unit configured to transmit the digital business card generated by the digital business card generating unit to at least one of callback SMS, MMS, email, and dedicated data to the user terminal. . The digital business card system according to claim 1, wherein the transaction is at least one of payment using a credit-based payment means including a credit card and a debit card, and an electronic payment according to a change in account details withdrawn or debited through a financial computer network. The digital business card system according to claim 1, wherein the customer includes at least one of a card merchant, a financial company payment machine, and an automatic teller machine. The method of claim 1, wherein the map information processing unit extracts electronic map information of a predetermined area centered on geographic information according to the customer information from the electronic map information in the form of a data applied to a picture or a map linked application. Digital business card system. The digital business card system of claim 5, wherein the digital business card generator comprises a map providing application link to which the data applied to a map linked application is applied to the digital business card, and provides the digital business card by e-mail. The digital business card system of claim 1, wherein the additional information manager collects one or more pieces of information of the account information received from the transaction result receiver and the previously collected and stored detailed information of the customer, and provides the digital business card generation unit. . The digital business card generation unit of claim 1, wherein the additional information manager provides at least one or more information of coupons, advertisements, detailed information, coupons, advertisements, and detailed information of the neighboring customers near the customers. Digital business card system. The method of claim 1, wherein the digital business card generation unit is linked with the road guidance service supported by the user terminal to the digital business card to further add a function for delivering the location information of the customer to use in the road guidance service when the user selects Digital business card system, characterized in that. The method of claim 1, wherein the additional information management unit selects the additional information based on at least one of the user information and the user-related information obtained by using the same, the payment amount or place of use, and time to provide to the digital business card generation unit Digital business card system. A digital business card system for receiving transaction information according to the use of a card at a card merchant from a card company and providing the transaction information and merchant information as a digital business card to the card user terminal. Acquisition of corresponding location information based on affiliated store information included in the transaction information received from the card company, thereby obtaining map information based on the affiliated store location information on an electronic map, and obtaining the transaction information and affiliated store information and acquisition A digital management server for generating a digital business card including a merchant map information; Including a digital business card sending unit for transmitting the digital business card generated by the digital management server to one or more terminals designated as the card user terminal, The digital management server transmits the digital business card or the electronic map to another terminal or address or a web server through the card user terminal operation, connects a telephone to the affiliated store, provides traffic information about the affiliated store, or provides the affiliated store. The digital business card system comprising an additional function for providing at least one or more of additional functions for providing detailed information regarding the offer or coupons or advertisements of the affiliated stores or neighboring stores. delete A transaction history and map information acquisition step of receiving transaction details, user information, and merchant information based on the use of the card from the card company to obtain map information according to the location of the merchant; An additional information obtaining step of obtaining additional information about the affiliated store according to the received affiliated store information; A digital business card generation step of generating a merchant map information obtained in the transaction details and map information acquisition step and additional information and transaction history information obtained in the additional information acquisition step into a multimedia-based digital business card; Including the transmitting step of transmitting the digital business card to the user terminal according to the user information, The digital business card generation step may transmit the digital business card or electronic map to another terminal or address or a web server, connect a telephone to the affiliated store, provide traffic information about the affiliated store, or perform the affiliated store through the user terminal operation. Providing detailed information on the digital business card system, characterized in that it further comprises the information for providing at least one or more of the additional function for providing coupons or advertisements of the merchant or neighboring merchants How it works. The method of claim 13, wherein the additional information obtaining step selects different additional information based on at least one of the user information, a payment amount, a place of use, and a time. delete The digital business card generation method of claim 13, wherein the generating of the digital business card comprises processing an additional function of processing location information of the affiliated store included in the digital business card into information that can be accommodated in another type of road guide service through the user terminal manipulation. Operating method of a digital business card system, characterized in that included in.

Images