KR101354684B1 - Apparatus and method for providing discount information and card benefit information - Google Patents

Abstract

Disclosed are an apparatus and method for providing discount information and card benefit information. The present invention provides a user financial information database that stores the benefit information of at least one credit card or a check card previously registered by the user, a discount information database storing discount information of a product or service company provided from the outside, and a pre-registration. And a communication unit forming a communication channel with the user terminal, and an information providing unit for providing each card benefit information stored in the user financial information database and discount information of a related product or service company to the user terminal through the communication unit. According to the present invention, a user can simultaneously enjoy a discount and a card use benefit.

Description

Device and method of providing discount information and card benefit information {APPARATUS AND METHOD FOR PROVIDING DISCOUNT INFORMATION AND CARD BENEFIT INFORMATION}

The present invention relates to an apparatus and method for providing discount information and card benefit information, and more particularly, to a benefit coupon of at least one credit card or a check card used by a user, and a discount coupon of a product or service company associated therewith. The present invention relates to an apparatus and method for providing discount information and card benefit information, by providing discount information so that a user can simultaneously enjoy a discount benefit and a card use benefit.

In modern society, credit cards and check cards are used as a payment method when purchasing goods or services, and the use ratio is very high.

Each card company of a credit card or a check card presents various types of benefit information that a user can enjoy when using a card in order to increase his / her use of the card. Thus, it is common for a user to be interested in various types of benefits provided by each card company and to sign up as a card member of at least one credit card or check card.

However, it is impossible for a user to remember all the benefits provided by each card company of each credit card or check card he holds. Therefore, when a user wants to purchase from a specific product or service company, it is troublesome to search for the type of cards that can receive the card benefit from the company and check whether the credit card or the check card that he owns belongs to it.

Therefore, a method of providing a user with benefit information of each credit card or check card possessed by the user at a glance has been proposed in the related art to help the user to perform more economical consumption without additional time and effort.

Recently, social commerce, a type of electronic commerce using social network services (SNS) such as Facebook and Twitter, has become part of the economic life.

Social commerce is a sales method that offers products at a discount of 50% to 90% when a certain number of buyers are gathered. For example, if more than 100 people make a purchase, 50% of the list price will be discounted.

As such, the social commerce company sells a discount coupon of a product or service company on the condition that a predetermined number or more must be purchased. Therefore, the user can enjoy the discount of the product or service company by purchasing a discount coupon from the social commerce company.

However, the benefits provided by each card company of the card owned by the user can be received only when the purchase is made by a product or service company that is a member of the card. Therefore, the current social commerce sales method does not allow the user to simultaneously enjoy discounts and card use benefits through discount coupons.

Publication No. 10-2002-0050219 (Published 26 June 2002) Publication No. 10-2001-0074258 (published Aug 04, 2001)

Accordingly, the present invention provides the discount information, such as discount coupons of goods or service companies associated with the benefit information of at least one credit card or check card used by the user, so that the user can simultaneously enjoy the discount benefits and card use benefits. It is an object of the present invention to provide a discount information and a card benefit information providing apparatus that enables.

In order to achieve the above object, the discount information and card benefit information providing apparatus according to the present invention, the user financial information database for storing the benefit information of at least one credit card or check card registered in advance by the user; A discount information database storing discount information of a product or service company provided from an outside; A communication unit forming a communication channel with a pre-registered user terminal; And information for providing discount information of a product or service company related to each card benefit information to the user terminal through the communication unit among the card benefit information stored in the user financial information database and the discount information stored in the discount information database. It includes a providing unit.

The apparatus according to the present invention may further include storing the user's card usage record information of the user, according to the user's card use record information among the card benefit information stored in the user's financial information database. And a card benefit information extracting unit for extracting each card benefit information available to the user, wherein the information providing unit includes benefit information of each card available to the user extracted by the card benefit information extracting unit, and the extracted card benefit information of each card. Discount information of a product or service company related to the benefit information may be provided to the user terminal.

According to an embodiment of the present invention, the user financial information database further stores the user's card usage information, and the user makes a purchase for each card by using the user's card usage information stored in the user financial information database. It further comprises a consumption propensity analysis unit for analyzing a preferred product or service industry, wherein the information providing unit, the consumption when providing the discount information of the goods or service companies associated with the benefit information of each card and the benefit information of each card; According to the analysis result of the propensity analysis unit, whether the user corresponds to a product or service business that a user prefers to purchase may be provided to the user terminal.

In addition, the apparatus according to the present invention further comprises a user information database for storing a user's preset product or service information, the information providing unit, associated with the benefit information of each card and the benefit information of each card In the case of providing discount information of a product or service company, whether the user corresponds to a product or service business that the user prefers to purchase using the user's favorite product or service business information stored in the user information database is also included. It may be provided to the user terminal.

In the present invention, the discount information stored in the discount information database, the name of the product or service provider providing a discount, the location information of the company, the contact information of the company, the discount rate of the product or service provided by the company, the At least one of a discount period of the goods or services provided by the company, and a discount coupon barcode.

The apparatus according to the present invention further includes a map information database, wherein the information providing unit stores the location of the goods or service companies corresponding to the respective card benefit information and the discount information provided to the user terminal in the map information database. It is characterized in that the display on the map information provided to the user terminal.

In addition, in the device according to the present invention, the information providing unit, a product that exists within a predetermined distance from the current location of the user terminal among the goods or service providers corresponding to each of the card benefit information and the discount information provided to the user terminal Or providing information on a service provider to the user terminal.

The method for providing discount information and card benefit information according to the present invention includes a benefit information of at least one credit card or a check card that the discount information and card benefit information provision device is pre-registered by the user, and a product or service company provided from the outside. Storing discount information of the; And providing, by the apparatus for providing discount information and card benefit information, discount information of a product or service company related to the benefit information of each card among the stored card benefit information and the discount information to a user terminal. .

The providing of the card benefit information and the discount information to the user terminal may be performed by the discount information and card benefit information providing apparatus according to the user's use of each card among the stored card benefit information. Extracting each possible card benefit information; And providing, by the device for providing discount information and card benefit information, the extracted card benefit information and discount information of a product or service company related to the extracted card benefit information to a user terminal.

In the present invention, after the step of extracting each card benefit information available to the user, when the user purchase preference display request is input from the user terminal, the discount information and card benefit information providing apparatus is provided by each device of the user Analyzing a product or service business that the user prefers to purchase for each of the cards by using the usage information, and in the step of providing each extracted card benefit information and the discount information to the user terminal, the discount information And the card benefit information providing apparatus may provide whether the user corresponds to a product or a service business that the user prefers to purchase according to the analysis result.

In addition, in the present invention, if the user purchase preference display request is input from the user terminal after the step of extracting each card benefit information available to the user, the discount information and card benefit information providing apparatus pre-set by the user The method may further include identifying preferred product or service business information. In the providing of the extracted card benefit information and the discount information to the user terminal, the discount information and card benefit information providing apparatus may be provided according to the verification result. Whether or not the user corresponds to a product or service business that a user prefers to purchase may be provided together.

In the method for providing discount information and benefit information according to the present invention, when a request for location information of a product or a service company is input from the user terminal, the discount information and card benefit information providing apparatus of the product or service company for which the location information is requested is provided. The method may further include displaying the location on the map information and providing the location to the user terminal.

The method for providing discount information and card benefit information requesting the current location information of the user terminal to the user terminal when a request for searching for a neighboring company is input from the user terminal; And when the discount information and card benefit information providing device receives the current location information of the requested user terminal from the user terminal, goods or services corresponding to the respective card benefit information and the discount information provided to the user terminal. The method may further include providing information on goods or service companies located within a predetermined distance from the current location of the user terminal among the companies.

According to the present invention, by providing a user terminal with discount information and a card benefit information for a product or service provider that provides additional discount benefits and merchants that can receive card benefits, the user can simultaneously enjoy a discount and a card use benefit. To make it possible. In this case, the present invention can provide the user with information on the card benefits actually available according to the current user's card use performance.

In addition, the present invention provides location information of a product or service company that allows a user to simultaneously enjoy a discount and a card use benefit, or provides a company information located nearby. Thus, the present invention helps the user to enjoy a variety of benefits and economical consumption activities.

1 is a block diagram of an apparatus for providing discount information and card benefit information according to a first embodiment of the present invention.
2 is a block diagram of an apparatus for providing discount information and card benefit information according to a second embodiment of the present invention.
3 is a block diagram of an apparatus for providing discount information and card benefit information according to a third embodiment of the present invention.
4 is a flowchart illustrating a method of providing discount information and card benefit information according to a first embodiment of the present invention.
5 is a flowchart illustrating a method of providing discount information and card benefit information according to a second embodiment of the present invention.
6 is a flowchart illustrating a method of providing discount information and card benefit information according to a third embodiment of the present invention.
7 is a flowchart illustrating an operation when a user's location information request is input in the present invention.
8 is a flowchart illustrating an operation when a user searches for a neighboring company in the present invention is input.

Hereinafter, the present invention will be described in detail with reference to the drawings. It is to be noted that the same elements among the drawings are denoted by the same reference numerals whenever possible. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

1 is a block diagram of an apparatus for providing discount information and card benefit information according to a first embodiment of the present invention.

In general, when a product having a consumer price of 20,000 won is purchased using a conventional social commerce, a consumer purchases a 50% discount coupon at 10,000 won in social commerce. The coupon is then presented to the corresponding merchandise vendor to purchase the product with a consumer price of 20,000 won. In this case, the amount used by the consumer is 10,000 won.

However, if the seller of the product is a member of an A card (credit card or check card) company to which the consumer is a member, it would be desirable to provide additional economic benefits when the customer pays for the product using A card. .

In other words, by allowing consumers to pay 10,000 won, which is the amount of coupon discount 50%, with the A card, the benefit that the A card company originally offered (for example, if it is 5% discount, pay 10,000 won) 5% of 500 won, or 5% points or mileage if you earn 500 won) to enjoy additional coupon discounts.

In this case, the 500 won profits enjoyed by the consumer will be borne by the card company. At this time, the card company provides the benefits to the consumer by using the card membership sign-up contract, and additionally, the temporary promotion event regardless of whether the discount coupon is used. It is common to provide card benefits as part of the. Therefore, if the A card merchant only meets the conditions for payment by the headquarters A card, the consumer should be able to enjoy the benefits of using the card, which he or she would like to receive according to the card member subscription agreement or his own performance.

For this reason, FIG. 1 illustrates a configuration of a discount information and card benefit providing apparatus 100 that enables a user to simultaneously enjoy a discount benefit and a card use benefit.

As shown in FIG. 1, the discount information and card benefit information providing apparatus 100 includes a user financial information database (DataBase, DB) 110, a discount information database 120, a map information database 130, The communication unit 140 and the information providing unit 150 may be configured.

Hereinafter, the operation of each component will be described.

The user financial information database 110 stores the benefit information of at least one credit card or check card previously registered by the user. Each card benefit information stored in the user financial information database 110 is directly provided from each card company financial system (not shown) or indirectly provided by the card company financial system (not shown) to the user terminal 200. The configuration can be provided through several routes such as provided.

Here, each card benefit information is information on price discounts received when purchasing a product or service with a card, information on earning points including economic value such as points or air mileage, or benefits specified in a contract at the time of membership, or after membership. It includes information about benefits provided by the card company for a limited time.

The discount information database 120 stores discount information of a product or service company provided from the outside.

For example, when an external discount coupon provider provides discount information to the user, the discount information database 120 stores discount information provided from the external discount coupon provider. If the embodiment of the present invention directly operates a discount information providing service of a product or service company to a user, the discount information provided by the embodiment of the present invention will be stored in the discount information database 120. .

The discount information refers to information including the content of a kind of discount coupon. The discount information may include a business name of a product or service provider providing a discount, location information of the company, a contact number of the company, a discount rate of a product or service provided by the company, a discount period of a product or service provided by the company, And a discount coupon barcode.

The communication unit 140 forms a communication channel through an external communication network with the user terminal 200 in which the user has already registered to receive discount information and card benefit information.

The information providing unit 150 provides the respective card benefit information stored in the user financial information database 110 to the user terminal 200 through the communication unit 140. In addition, the information providing unit 150 provides the user terminal 200 through the communication unit 140 the discount information of the product or service company related to the benefit information of each card among the discount information stored in the discount information database 120. .

In other words, the information providing unit 150 may provide discount information for a product or service company that provides additional discount benefits and merchants that can receive the benefits of each card, so that the user can simultaneously enjoy the discount benefits and card use benefits. The card benefit information is provided to the user terminal 200.

Preferably, the information providing unit 150 provides the discount information and card benefit information to the user terminal 200 at a predetermined time point or at a predetermined time interval (for example, once a week or once a month). Make economic consumption activities possible.

In addition, the information providing unit 150 maps the location of a product or service company that provides an additional discount and an affiliated store where the user can benefit from the card company when using the map information stored in the map information database 130. The information may be displayed on the information and provided to the user terminal 200.

The information providing unit 150 is one of information about a product or a service company that can enjoy the two benefits, so that the user can enjoy the discount and the card use benefit at the same time, the user terminal 200 with the location information of the company. Can be provided. In addition, the information providing unit 150 may provide the location information of the corresponding company to the user terminal 200 as simple text information.

Meanwhile, when the user terminal 200 is a mobile communication terminal, the information providing unit 150 may search for a neighboring product or service company using a location based service (LBS) function supported by the mobile communication terminal. It can work.

The information provider 150 receives the current location information of the user terminal 200 from the user terminal 200 through the communication unit 140. The information providing unit 150 is a product or service existing within a predetermined distance from the current location of the user terminal 200 among the goods or service companies corresponding to each of the card benefit information and the discount information provided to the user terminal 200. Search for a business. In addition, information about the found product or service company is provided to the user terminal 200.

In another embodiment, the information providing unit 150 receives specific location information desired by the user from the user terminal 200. The information provider 150 may search for a product or a service company located within a preset range based on the input location information and provide the search result to the user terminal 200.

As such, the device 100 for providing discount information and card benefit information according to the present invention provides location information of a product or service company that allows a user to simultaneously enjoy a discount and a card use benefit, or searches for a company located nearby. To help the user economical consumption.

2 is a block diagram of an apparatus for providing discount information and card benefit information according to a second embodiment of the present invention. As shown in FIG. 2, the discount information and card benefit information providing apparatus 100 includes a user financial information database (DB) 110, a discount information database 120, a map information database 130, and a communication unit ( 140, the card benefit information extracting unit 160, the consumption propensity analyzing unit 170, the user information database 180, and the information providing unit 150 may be configured.

Here, operations of the discount information database 120, the map information database 130, and the communication unit 140 are the same as described above with reference to FIG. 1, and thus description thereof will be omitted.

Compared with the user financial information database 110 shown in FIG. 1, the user financial information database 110 shown in FIG. 2 further stores each card use performance information of the user and each card use history information of the user.

The card benefit information extracting unit 160 extracts each card benefit information that is actually available to the user according to the card usage record information of the user among the card benefit information stored in the user financial information database 110.

The card benefits that each card company provides to the user are available only when the user pays a certain amount of money in the previous month with the card, or when there is a condition for receiving the card benefits such as a certain number of benefits per month. There is.

However, it is not easy for the user to check and memorize whether or not such conditions are satisfied. In other words, it is difficult for a user to see what benefits he or she actually enjoys for each card he holds.

Therefore, in the present invention, the card benefit information extracting unit 160 uses a card use record information of each credit card or check card registered in advance by the user, and among the card benefit information provided by each card company, the card can be used by the actual user. Extract benefit information.

The information providing unit 150 stores the card benefit information filtered by the card benefit information extracting unit 160 by the user card usage record information and the discount information of the related product or service company through the communication unit 140. Provided at 200. Accordingly, the present invention provides the user with information to simultaneously enjoy the card benefits that can be enjoyed according to the current user's card use performance and the discounts of the related products or service companies.

In particular, when looking at the position of a company that provides discount information stored in the discount information database 120, the present invention basically provides discount information of goods or service companies to card users whose card use is a certain amount or more. In other words, the present invention allows their discount information to be provided to customers with the possibility of purchasing a product or service, i. Thus, in the practice of the present invention, a product or service company that provides discount information may attract more customers.

The consumption propensity analysis unit 170 analyzes a product or service business that the user prefers to purchase for each card by using the card usage history information of the user stored in the user financial information database 110.

The apparatus according to the present invention includes a consumption propensity analyzing unit 170, and provides a result of analysis of the consumption propensity analyzing unit 170 when providing the user's card benefit information and discount information of a product or service company related thereto. Therefore, it allows the user to provide a product or service that the user prefers to purchase.

For example, in the present invention, the information providing unit 150 prioritizes the discount information and the card benefit information of the product or service company in the order in which the user prefers to purchase according to the analysis result of the consumption tendency analysis unit 170. It may be provided to the terminal 200.

In addition, the information providing unit 150 highlights such as displaying the discount information and card benefit information of a product or service company that the user prefers to purchase in a special letter color according to the analysis result of the consumption tendency analysis unit 170. It may be provided to the user terminal 200.

The user information database 180 stores the preferred product or service business information set by the user in advance.

According to the present invention, even when the consumer disposition analysis unit 170 does not include the component or the consumer disposition analysis unit 170, the user directly inputs discount information related to a preferred product or service business and A user information database 180 may be provided to provide card benefit information.

When the information providing unit 150 provides the benefit information of each card and the discount information of the related product or service company, the information providing unit 150 checks the user's preferred product or service business information stored in the user information database 180 and provides the user with information. Whether it corresponds to a product or service business that is preferred to be purchased is also provided to the user terminal 200.

In this case, the information providing unit 150 may provide the user terminal 200 with priority information in the order in which the user prefers to purchase discount information and card benefit information of a product or service company that the user prefers to purchase. In addition, the information providing unit 150 may be provided to the user terminal 200 so that the user can highlight the display, such as displaying the discount information and card benefit information of a product or service company that a user prefers to purchase in a special letter color.

3 is a block diagram of an apparatus for providing discount information and card benefit information according to a third embodiment of the present invention. As shown in FIG. 3, the discount information and card benefit information providing apparatus 100 includes a user financial information database (DB) 110, a discount information database 120, a map information database 130, and a communication unit ( 140, the card benefit information extracting unit 160, the consumption propensity analyzing unit 170, the user information database 180, the user determining unit 190, and the information providing unit 150 may be configured. .

Here, operations of the discount information database 120, the map information database 130, and the communication unit 140 are the same as described above with reference to FIG. 1. The operations of the user financial information database 110, the card benefit information extracting unit 160, and the consumption propensity analyzing unit 170 are the same as described above with reference to FIG. 2. Therefore, description thereof will be omitted here.

The apparatus according to the present invention shown in FIG. 3 has a user determination unit 190 for performing a user confirmation operation with a user terminal 200 connected through an external communication network.

The user determination unit 190 receives the user identification information from the user terminal 200 that forms a communication channel through the communication unit 140. And it is compared with the predetermined user identification information to determine whether or not. Here, the user identification information previously input and set by the user may be stored in the user determination unit 190 itself or may be configured to be stored in the user information database 180.

As a result of the determination by the user determining unit 190, the information providing unit 150 provides the user terminal 200 with information on each card benefit of the corresponding user and discount information of a related product or service company.

As described above, the present invention, when viewed from the user's point of view, allows the user to simultaneously receive information such as discount coupons provided by the benefit information of each card he holds and related products or service companies. This allows the user to enjoy both the card benefits and the discounts of products or service companies in the consumer's life.

In addition, the present invention, when looking at the product or service company that provides the discount information, by providing the discount information provided by each card with the benefit information can secure more card users to the customer base.

In particular, the present invention, as a minimum requirement for receiving each card benefit using each card use history information of the card user, the discount information of the product or service company may be provided only to the user who paid the card for a certain amount or more. . Therefore, a product or service company that provides discount information will be able to secure a card user who frequently consumes a consumer life.

The present invention, when looking at each card company of a credit card or a check card, provides card users with each card benefit information and additional discount information related thereto according to individual card usage status to secure more card users. It allows you to. In addition, existing card users will be encouraged to use the card more often, which will increase card usage.

4 is a flowchart illustrating a method of providing discount information and card benefit information according to a first embodiment of the present invention.

Referring to the present invention, the discount information and card benefit information providing apparatus 100 according to the present invention may first obtain benefit information of at least one credit card or check card registered in advance by the user, and discount information of a product or service company provided from the outside. Save (S400).

Here, the discount information and card benefit information providing apparatus 100 may provide various routes such as receiving each card benefit information directly from each credit card company financial system or indirectly providing the credit card provided to the user terminal in each credit card company financial system. Can be provided and stored through.

The discount information and card benefit information providing apparatus 100 may receive and store discount information provided by an external discount coupon provider. If the embodiment of the present invention directly operates a discount information providing service of a product or service company to a user, the discount information and card benefit information providing apparatus 100 may provide discount information provided by the embodiment of the present invention. Can be stored.

The apparatus 100 for providing discount information and card benefit information provides the user terminal 200 with the stored card benefit information of the user and discount information of a product or service company related thereto (S430).

Accordingly, the present invention provides a user with discount information and card benefit information for a merchant or a product or service provider that provides additional discount benefits, so that the user can simultaneously enjoy discounts and card use benefits. Provided to the terminal 200.

5 is a flowchart illustrating a method of providing discount information and card benefit information according to a second embodiment of the present invention. 5 illustrates an embodiment of providing discount information and card benefit information after performing a user confirmation operation with a user terminal 200 connected through an external communication network.

The discount information and card benefit information providing apparatus 100 stores the benefit information of at least one credit card or check card previously registered by the user and discount information of a product or service company provided from the outside (S500).

The discount information and card benefit information providing apparatus 100 receives user identification information from the user terminal 200 and determines whether the user is already registered using the user identification information (S530).

As a result of the determination, if it matches, the discount information and the card benefit information providing apparatus 100 provide the user terminal 200 with each card benefit information of the user and discount information of a product or service company related thereto (S550).

The present invention provides the user terminal 200 with discount information of a product or service company and benefit information of cards held by the user so that the user can perform more economical consumption activities.

6 is a flowchart illustrating a method of providing discount information and card benefit information according to a third embodiment of the present invention.

In operation S600, the discount information and card benefit information providing apparatus 100 may store benefit information of at least one credit card or a check card that the user has registered in advance and discount information of a product or service company provided from the outside (S600). . Then, from the stored card benefit information, the benefit information of each card available to the user is extracted according to the user's use of each card (S630).

As described above, the discount information and card benefit information providing apparatus 100 extracts card benefit information available to an actual user from card benefit information provided by each card company by using usage information of each card held by the user. . In addition, it provides information to simultaneously enjoy the card benefits that can be enjoyed according to the current user's use of the card and the discounts of related products or service companies.

The discount information and card benefit information providing apparatus 100 checks whether a purchase preference display request of the user has been input (S650). If the request is not input, only the benefit information of each card available to the extracted user and discount information of the related product or service company are provided to the user terminal 200 (S670).

When the user's purchase preference display request is input, the discount information and card benefit information providing apparatus 100 may determine whether the user corresponds to a product or service that the user prefers to purchase together with the information provided to the user terminal 200. Whether it is also provided to the user terminal 200 (S690).

Here, in step S690, the discount information and the card benefit information providing apparatus 100 confirm the product or service business that the user prefers to purchase as the information previously set by the user as the product or service business that the user prefers to purchase. And according to the check result, it may be configured to provide to the user terminal 200 whether the user corresponds to the goods or services that the user prefers to purchase.

In another embodiment, in step S690, the discount information and card benefit information providing apparatus 100 analyzes a product or service business that the user prefers to purchase using the user's card usage information. According to the result of the analysis, the user may be configured to provide the user terminal 200 with a corresponding product or service industry that the user prefers to purchase.

7 is a flowchart illustrating an operation when a user's location information request is input in the present invention.

The discount information and card benefit information providing apparatus 100 checks whether a location information request of a product or a service company is input from the user terminal 200 (S700). When the location information request is input, the location information of the corresponding product or service company is checked and the location of the corresponding company is displayed on the map information to the user terminal 200 (S730).

8 is a flowchart illustrating an operation when a user searches for a neighboring company in the present invention is input.

The apparatus 100 for providing discount information and card benefit information checks whether a nearby business search request is input from the user terminal 200 (S800). When the search for the neighboring company is input, the terminal requests current location information to the user terminal 200 (S830). Then, the terminal receives the current location information of the requested terminal from the user terminal 200 (S850).

The discount information and card benefit information providing apparatus 100 searches for a product or service company located within a predetermined distance from the current location of the received user terminal 200 and transmits information about the found company to the user terminal 200. Provided (S880).

While the above has been shown and described with respect to preferred embodiments and applications of the present invention, the present invention is not limited to the specific embodiments and applications described above, the invention without departing from the gist of the invention claimed in the claims Various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical idea or the prospect of the present invention.

100: device for providing discount information and card benefit information
110: user financial information database (DB)
120: discount information database (DB) 130: map information database (DB)
140: communication unit 150: information provider
160: card benefit information extraction unit 170: consumption propensity analysis unit
180: user information database (DB) 190: user determination unit
200: User terminal

Claims (13)

Price discount information you will receive when you purchase goods or services for at least one credit card or check card that you have pre-registered, information about points or flight miles earned, information specified in your contract, and limited time offer A user financial information database storing at least one of the benefit information, each card use history information of the user, and each card use history information of the user;
Company name of a product or service company providing a discount from outside, location information of the company, contact information of the company, discount rate of the product or service provided by the company, discount period and discount of the product or service provided by the company A discount information database for storing discount information of at least one of the coupon barcodes;
A user information database storing user-preferred goods or service information and user identification information for user identification previously set by the user;
A map information database storing map information;
A communication unit forming a communication channel with a pre-registered user terminal;
A card benefit information extracting unit for extracting benefit information of each card available to the user according to the card usage record information of the user among the card benefit information stored in the user financial information database;
A consumption propensity analysis unit for analyzing a product or service business that the user prefers to purchase for each of the cards by using the user's card usage information stored in the user financial information database;
A user determination unit receiving user identification information from the user terminal forming a communication channel through the communication unit, and comparing the user identification information with the user identification information stored in the user information database to determine whether or not there is a match; And
Discount information of a product or service company related to each of the card benefit information among the card benefit information stored in the user financial information database and the discount information stored in the discount information database;
Discount information of a product or service company associated with benefit information of each card available to the user extracted by the card benefit information extracting unit;
According to an analysis result of the consumption propensity analysis unit, whether the user corresponds to a product or a service business that the user prefers to purchase;
Whether the user corresponds to a product or service business that the user prefers to purchase using the user's favorite product or service business information stored in the user information database;
Updated map information in which the location of goods or service companies corresponding to the respective card benefit information and the discount information provided to the user terminal is displayed on the map information stored in the map information database;
At least one of information on goods or service providers existing within a predetermined distance from the current location of the user terminal among the card benefit information provided to the user terminal and the goods or service companies corresponding to the discount information.
According to a determination result of the user determination unit at a predetermined time point or at a predetermined time interval, the user terminal through the communication unit only when the user identification information transmitted from the user terminal and the user identification information stored in the user information database match. Information providing unit provided by;
Discount information and card benefit information providing device configured to include.
delete delete delete delete delete delete Storing, by the device for providing discount information and card benefit information, benefit information of at least one credit card or check card previously registered by a user and discount information of a product or service company provided from an outside;
Extracting, by the device for providing discount information and card benefit information, each card benefit information available to the user according to the user's use of each card from the benefit information of the stored cards;
Receiving user identification information from a user terminal and comparing the user identification information with the registered user identification information to determine whether the user is a registered user;
According to the determination result in the step of determining whether the registered user,
If the user identification information received from the user terminal matches the registered user identification information,
Providing the card benefit information extracted by the discount information and card benefit information providing apparatus and discount information of a product or service company associated with each extracted card benefit information to a user terminal;
When a request for location information of a product or service company is input from the user terminal,
Providing, by the device for providing the discount information and the card benefit information, the location of the product or service company for which the location information is requested to the user terminal by displaying the location of the goods on the map information;
When a neighbor business search request is input from the user terminal,
Requesting, by the device for providing discount information and card benefit information, the current location information of the user terminal to the user terminal; And
The discount information and card benefit information providing apparatus receives the current location information of the user terminal requested from the user terminal, and provides a product or service company associated with the card benefit information provided to the user terminal and the extracted card benefit information. Providing information on goods or service providers located within a predetermined distance from the current location information of the user terminal among discount information of the;
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After performing the step of extracting each card benefit information available to the user,
When a user purchase preference display request is input from the user terminal,
Analyzing, by the discount information and card benefit information providing apparatus, a product or service business that the user prefers to purchase for each of the cards by using the card usage history information of the user;
Confirming, by the discount information and card benefit information providing apparatus, the preferred product or service business information set by the user in advance;
Do more,
According to the analysis result in the step of analyzing the product or service business,
In the providing to the user terminal, the card benefit information and the discount information of the product or service company associated with each extracted card benefit information are provided together with whether the user prefers to purchase the product or service industry. ,
According to the confirmation result in the step of confirming the product or service business information,
In the providing to the user terminal, the card benefit information, and whether the discount information of the product or service company associated with each extracted card benefit information corresponds to whether the user prefers to purchase the product or service industry together; Method for providing discount information and card benefit information, characterized in that. delete delete delete delete delete

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