KR100591912B1 - Method and system for providing personalized card usage information - Google Patents

Abstract

The present invention relates to a method and system for providing personalized card usage information, wherein a web server selling at least one or more goods and / or services is connected to the web server through a wired / wireless communication network to purchase goods and / or services. And a server providing personalized card usage information to the client, wherein the client collects transaction information between the client and the web server when purchasing the goods and / or services from the web server. When provided to the server, the product is a predetermined discount rate applied to the purchase of the predetermined product and / or service in the server, a predetermined point is generated or a predetermined benefit is provided to the product and / or service purchase client Or the payment method information according to the service purchase A method of providing personalized card usage information provided to a client to enable the client to process a payment with a payment method that can receive more benefits when purchasing the product and / or service, and to increase the use rate of a specific payment method; It is about the system.

Card, personalization

Description

System and Method for Providing Customized Using Information of Card}             

1 is a view showing a preferred configuration according to the present invention.

Figure 2 is an exemplary view showing a simple flow for the process of the present invention is implemented.

Figure 3 is an exemplary view showing a simple flow for the process of the present invention is implemented.

4 is a simple flowchart of a preferred embodiment of the present invention.

Figure 5 is a block diagram showing an embodiment of a personalized card usage information providing system according to the present invention.

6 is a simple flowchart for implementing another preferred embodiment according to the present invention.

7 is a simple flowchart for implementing another preferred embodiment according to the present invention.

8 is a simple data structure diagram of an information storage medium according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: interface unit

110: extraction unit 115: generation unit

120: judgment unit 125: policy information DB

130: user information DB 135: personal information DB

140: card information DB 145: client terminal

150: client program 155: control module

160: acquisition module 165: transmission module

170: output module 175: storage module

180: web server

The present invention provides a personalized card usage information to a client who accesses the web server and purchases the goods and / or services through a web server selling at least one product and / or service and a wired / wireless communication network. And a server, and when the client purchases goods and / or services from the web server, collects transaction information between the client and the web server and provides the information to the server. And / or provide payment means information according to the purchase of goods and / or services for which a predetermined discount rate is applied or a predetermined point is generated or a certain benefit is provided to the goods and / or services purchase client. Allow the client the product / Or simultaneously to process payments as the payment method that you can get a lot of benefits than the purchase of services related to the personalized card system and provides information about how to to increase the utilization of certain payment means.

A credit card is a payment and payment method used by a card owner presenting a card in person at a pre-authorized merchant, verifying at a merchant, and signing a slip issued by the merchant.

The credit card generally transmits card information read from the card holder's card through a predetermined terminal to the card company through a network such as a value added network (VAN), and is authorized on the network. It has been used in the form of.

However, with the recent rapid development of wired and wireless Internet infrastructure, the use of credit cards has been extended to be applicable online. This is because credit cards are relatively easy to apply online compared to physical exchange payment methods (eg cash, check, etc.).

These cards grew rapidly through various promotional strategies and various value-added services of the card companies, and recently, one customer had many cards.

Therefore, it is time to find new and differentiated methods for the use of the card to the customer having a plurality of cards.

An object of the present invention to solve the above problems and the client to access the web server through a wired / wireless communication network and a web server selling at least one or more goods and / or services and to purchase the goods and / or services A method of providing personalized card usage information, comprising: a server providing personalized card usage information to a client, wherein a predetermined discount rate is applied or a predetermined point is applied when purchasing a predetermined product and / or service in the server. A first step of setting a policy of applying a payment method according to the purchase of goods and / or services for which the product and / or service purchase client provides a predetermined benefit to the product and / or service purchase client, and storing it in a predetermined database; In the client-side program provided in the In the second step of the client collects at least one or more transaction information generated when the client accesses the web server through a wired / wireless communication network to select or purchase goods and / or services, In the client-side program provided in the client or the web server A third step of transmitting the collected selection and / or purchase transaction information of the goods and / or services to the server, and reading the transaction information from the server to make the client select and / or purchase the goods and / or services The fourth step of identifying the type of the service, the type information of the goods and / or services identified by the server and the payment means application policy previously stored in the database, a predetermined discount rate according to the purchase of the product and / or service Is applied or a predetermined point is generated or the product and / or Is a fifth step of extracting or generating payment means information provided with a predetermined benefit to a service purchase client from the database and providing the client with payment means information for purchasing the goods and / or services purchased from the server. It provides a method for providing personalized payment means use information comprising a sixth step.

It is still another object of the present invention to provide a personalized card to a client and a client for accessing the web server and purchasing a product and / or service through a wired / wireless communication network and a web server selling at least one product and / or service. A method of providing personalized card usage information, comprising: a server providing usage information, wherein the server comprises at least one of personal information of the client, payment information of the client, and payment method usage information of the client; The first step of receiving the client information including one or more from the client or the web server, a predetermined discount rate is applied to the purchase of the predetermined product and / or service in the server or a predetermined point is generated or the product and And / or service purchases to clients In the second step of linking the payment policy according to the purchase of goods and / or services provided with a predetermined benefit in association with the client information stored in a predetermined database, and in the client-side program provided in the client or web server A third step of collecting at least one transaction information generated when the client accesses the web server through a wired / wireless communication network to select or purchase goods and / or services, and a client-side program provided in the client or the web server. A fourth step of transmitting the collected or selected transaction of the goods and / or services and the client information to the server; and reading and reading the transaction information from the server to be selected and / or purchased by the client. Identify the types of goods and / or services Is a predetermined discount rate according to the purchase of the goods and / or services in the payment means application policy previously stored in the database based on the fifth step and the type information of the goods and / or services identified by the server and the client information; A sixth step of extracting or generating payment means information that is applied or a predetermined point is generated or a certain benefit is provided to the product and / or service purchase client; and the product and / or extracted or generated by the server A method of providing personalized payment means usage information comprising a seventh step of providing payment means information for a service purchase to the client.

It is still another object of the present invention to provide a personalized card to a client and a client for accessing the web server and purchasing a product and / or service through a wired / wireless communication network and a web server selling at least one product and / or service. A system for providing personalized card usage information, comprising a server providing usage information, wherein the web server sells at least one product and / or service and is connected to the web server through a wired / wireless communication network. In the system for providing personalized card usage information, characterized in that it comprises a server for purchasing goods and / or services and a personalized card usage information to the client, the server is sold in the web server A certain discount on the purchase of certain goods and / or services A storage medium for which a rate is applied, a predetermined point is generated, or a payment means applying policy according to a purchase of a product and / or service for which a predetermined benefit is provided to the product and / or service purchase client; Interface that receives at least one transaction information generated when selecting or purchasing the product and / or service from the client-side program included in the client or the web server when the client accesses the web server to select or purchase the product and / or service. Section (1) and the transaction information to read and identify the type of goods and / or services the client wants to select and / or purchase, and writes the type information of the identified goods and / or services and the storage medium. Compare the stored payment method application policy, the product and / or An extraction unit for extracting payment means information from the database, wherein a predetermined discount rate is applied according to a service purchase, a predetermined point is generated, or a predetermined benefit is provided to the product and / or service purchase client; A generation unit for generating predetermined payment means use application information for recommending a payment method to be used when the client purchases the goods and / or services, and the generated payment means use application information to the client based on the extracted payment means information; It is to provide a personalized card usage information providing system, characterized in that it comprises an interface unit 2 for providing.

Still another object of the present invention is to collect at least one transaction information generated when a client selects or purchases a product and / or a service by accessing a web server through a wired / wireless communication network, and the collected product and / or Or a function of transmitting service selection or purchase transaction information to a server on a wired / wireless communication network, and receiving and receiving payment method information from the server based on the transaction information to generate incentives when purchasing the goods and / or services. And an electronic information management program for realizing a function of outputting the received payment means information to the client.

The present invention provides a personalized card usage information to a client who accesses the web server and purchases the goods and / or services through a web server selling at least one product and / or service and a wired / wireless communication network. And a server, and when the client purchases goods and / or services from the web server, collects transaction information between the client and the web server and provides the information to the server. And / or provide payment means information according to the purchase of goods and / or services for which a predetermined discount rate is applied or a predetermined point is generated or a certain benefit is provided to the goods and / or services purchase client. Reward the goods, by the client / Or simultaneously to process payments as the payment method that you can get a lot of benefits than the purchase of services related to the personalized card system and provides information about how to to increase the utilization of certain payment means.

The technical implementation process for implementing the present invention is as follows.

The present invention provides a personalized card usage information to a client who accesses the web server and purchases the goods and / or services through a web server selling at least one product and / or service and a wired / wireless communication network. A method of providing personalized card usage information, comprising a server, wherein a predetermined discount rate is applied or a predetermined point is generated when a predetermined product and / or service is purchased in the server. In the first step of setting a payment method application policy according to the purchase of goods and / or services that provides a predetermined benefit to the purchase client in a predetermined database, the client in the client-side program provided in the client or web server Web site mentioned above through wired / wireless communication network A second step of collecting at least one transaction information generated at the time of selecting or purchasing a product and / or service by accessing a server; and of the collected product and / or service in a client-side program included in the client or web server. A third step of transmitting selection or purchase transaction information to the server, a fourth step of reading the transaction information at the server and identifying the type of goods and / or services that the client wants to select and / or purchase; The server compares the type information of the goods and / or services identified with the payment means application policy previously stored in the database, and a predetermined discount rate is applied or a point is generated according to the purchase of the goods and / or services. Or a certain benefit to the client purchasing the goods and / or services And a fifth step of extracting or generating payment means information provided from the database, and a sixth step of providing payment means information for purchasing the goods and / or services to the client.

In addition, according to another technical implementation process for implementing the present invention, the present invention is connected to the web server through a wired / wireless communication network and a web server selling at least one or more goods and / or services goods and / or services In the method of providing a personalized card usage information, characterized in that it comprises a client to purchase a personalized card usage information to the client and the client, the server's personal information, payment means owned by the client The first step of receiving the client information from the client or the web server including at least one information, payment means usage information of the client, and a predetermined discount rate is applied when the predetermined goods and / or services are purchased in the server or Or a certain point is generated Or a second step of processing a payment means application policy according to a purchase of a product and / or service for which a predetermined benefit is provided to the product and / or service purchase client in association with the client information and storing the same in the database; A third step of collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing the web server through a wired / wireless communication network in a client-side program provided in the web server; Or a fourth step of transmitting the collected or selected transaction information of the goods and / or services and the client information to the server in a client-side program provided in a web server, and reading the transaction information from the server. Clients choose and / or phrase A fifth step of identifying a type of goods and / or services to be desired; and the goods in a payment means application policy previously stored in the database based on the type information of the goods and / or services identified by the server and the client information; And / or a sixth step of extracting or generating payment means information for which a predetermined discount rate is applied, a predetermined point is generated, or a predetermined benefit is provided to the product and / or service purchase client according to the service purchase. And a seventh step of providing the client with payment means information for the product and / or service purchase.

According to the present invention, the setting of the payment means application policy and storing in a predetermined database may include applying a predetermined discount rate or generating a predetermined point when the predetermined product and / or service is purchased. And / or storing a policy of applying a payment method according to a purchase of a product and / or a service that provides a predetermined benefit to a service purchase client for each product and / or service sale web server, thereby storing the product and / or service sale web server. Separate policies can be established and applied.

In addition, referring to another technical configuration for implementing the present invention, the present invention is connected to the web server through a wired / wireless communication network and a web server selling at least one or more goods and / or services to provide goods and / or services A personalized card usage information providing system, comprising: a client for purchasing and a server for providing personalized card usage information to the client, wherein the web server sells at least one product and / or service. A personalized card usage information providing system comprising: a client accessing the web server through a wireless communication network to purchase goods and / or services, and a server providing personalized card usage information to the client. The server is sold in the web server When purchasing a defined product and / or service, a payment method is applied according to the purchase of a product and / or service in which a predetermined discount rate is applied or a predetermined point is generated or a predetermined benefit is provided to the product and / or service purchase client. A storage medium to be set and stored, and when the client accesses the web server to select or purchase goods and / or services, and selects or purchases the goods and / or services from a client-side program included in the client or web server. The interface unit 1 for receiving at least one transaction information, and reading the transaction information to determine the type of goods and / or services that the client wants to select and / or purchase, and the identified goods and / or Type of service and pre-stored in the storage medium Comparing the means applying policy, payment means information for which a predetermined discount rate is applied according to the purchase of the product and / or service, a predetermined point is generated, or a predetermined benefit is provided to the product and / or service purchase client. A generation unit for generating predetermined payment means use application information for recommending a payment method to be used by the client when purchasing the goods and / or services based on the extraction unit extracted from the database and the payment means information extracted by the extraction unit; And an interface unit 2 providing the generated payment means use application information to the client.

According to the present invention, the client-side program has a function of collecting at least one transaction information generated when the client accesses a web server through a wired / wireless communication network to select or purchase goods and / or services, and the collected A function for transmitting selection or purchase transaction information of goods and / or services to a server on a wired / wireless communication network, and payment means information for generating incentives when purchasing the goods and / or services based on the transaction information from the server is generated and transmitted. And a recording medium characterized in that an electronic information management program is recorded for realizing a function of receiving the same and outputting the received payment means information to the client. Wired terminal and And / or located in the wireless terminal, or in the web server.

According to the present invention, the client-side program is automatically recognized by the browser, can be provided in the form of a plug-in that can be easily installed and used as part of a web browser, according to the present invention, the client-side program mounted on the client terminal is The transaction information collected by identifying a transaction formed between the client terminal and the web server may vary in form and format. (For example, the transaction information may be formed by confirming a client's intention to purchase a web page for a payment transaction. Web page information, etc.) and / or one or more product-specific identification codes, price information, information on a specific product (item), etc.)

Further, according to the present invention, at least one or more transaction information collected by the client-side program from at least one or more web servers (eg, a server providing goods and / or services) is communicated with a server-side program on a communication network. The server-side program provided to the server, wherein the server-side program on the communication network may store the client information (eg, personal information, card information, card usage information, etc.) and / or preset policies (eg, pre-stored through transaction information provided from the client-side program). The card usage application information applicable to the use of a specific payment method (e.g., a specific card and / or a specific account, etc.), based on a card usage policy including a point-related policy, a discount policy, and the like. Perform a series of judgments to create and / or provide It characterized.

For example, the server-side program refers to the client specific information (eg card information, account information, etc.), and at least one that the client can be provided by using a specific card and / or a specific account (eg payment). Determine the above benefits (eg, points or other services).

In addition, according to the present invention, the client-side program is automatically (e.g., automatic driving when the terminal is booted) according to the operation of the client terminal and / or personal authentication information input from the client (e.g., input of a unique ID, password, etc.) Or through a separate session of each of the client terminals and at the same time the session is formed with at least one web server.

Further, according to the present invention, the client-side program includes at least one or more client information (eg, card information, account information, etc.) or includes the client information in order to more effectively provide a user interface for implementing the present invention. It can operate in conjunction with a smart card. In addition, the billing transaction of the client may be provided to further include an auto-fill (Auto-Fill) function to automatically fill in the client information.

Further, according to the present invention, the predetermined personalized information provided from the server to the client terminal and applied to the card use of the client includes transaction information transmitted from a client-side program and previously stored client information (eg, an individual). Information, card information, card usage information, etc.) and / or predetermined policies (e.g., a card usage policy including all points-related policies, discount policies, etc.), and the like, to determine whether they are provided. .

In a preferred embodiment of the present invention, a client accesses a shopping mall site and clicks on a product of interest (such as a web page where more specific information about the product is provided), and / or a purchase information input page for purchase may be provided. At this time, the client-side program provided in the client terminal according to the present invention checks the transaction information (eg, product unique code or payment webpage information), and provides the server to the server through the server-side program.

According to the present invention, when the corresponding product is purchased through a payment means (e.g., a card and / or account) that interoperates with the server, the server determines an incentive that can be provided to the client and the user through the client side program. It is provided to the client terminal.

For example, when the server is a card company server and determines an incentive that can be provided to a client, the server may be determined based on card usage information of the client and / or personal information of the client. For example, when the server checks the card usage information of the client, and the card is being used for a specific purpose (for example, to pay taxes or other bills, etc.), the server may allow the client to continuously use the card. Confirms that the card is in use, but does not use it in various ways, and determines to provide an incentive for the client to use the card in various ways, and provides the determination result (personalized card use application information) to the client terminal. can do.

In addition, according to the present invention, the card is characterized in that it includes all credit cards, debit cards, check cards and the like.

According to another embodiment of the present invention, the driving position of the client-side program may vary. For example, the client-side program is a plug-in program, and may be presented in a form of being located in a web server linked to and / or linked with the server (eg, a web server providing the program to a client terminal browser). have.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 is a view showing a preferred configuration according to the present invention.

In accordance with the present invention, FIG. 1 illustrates a personalized card usage information providing system, which is an organic combination of a server 100, a client terminal 145, a web server 180, and the like through a wired or wireless communication network. Preferably expressed as

In the personalized card usage information providing system, the server is located on a wired / wireless communication network, and for smooth implementation of the present invention, the server may be included in a card company server or a server interoperating with a card company server.

According to the present invention, the server 100 checks at least one or more transaction information provided from the client terminal 145, and stores various information (eg, personal information, card information, card usage information) stored in association with the corresponding client. Information, including all of the information, etc.), and determines and generates card use application information optimized for the corresponding client, and provides the generated information to the client terminal 145.

According to this figure, in order to perform the function, the server 100 searches for and retrieves a server-side program (interface part) 105 for data communication with the client terminal 145, client information and / or card related information. And / or an extraction or retrieval unit 110 for extracting, a usage information application determining unit 120 for determining application of card usage information for the client, and a card for generating appropriate card usage application information to be provided to the client terminal. Usage information generation unit 115 and a storage medium or database (personal information database, card information database, policy information database, usage application information database) that stores various information for providing personalized card usage application information according to the present invention. And the like).

Since each component in the server 1000 described above is presented as an embodiment for implementing the present invention, those skilled in the art implement the present invention, the components in the server 100 does not depart from the spirit of the present invention. It is expressly stated that modifications, variations or additions are possible within the scope.

The server side program (or interface unit) 105 in the server 100 serves as an interface for data communication with the client side program 150 included in the client terminal 145 according to the present invention. For example, the server side program 105 manages communication with the client side program 150 through a predetermined protocol in a valid state of a communication network, and is collected by the client side program 150 of the client terminal 145. A function of receiving at least one or more transaction information and client authentication information (eg, password or unique identification information) to be transmitted, and personalized card usage information to be provided to the client terminal 145 through the server 100. It characterized in that it has a function to deliver to the client side program 150.

The interface unit 105 is a client-side program 150 provided in the client terminal 145 or the web server when the client terminal 145 accesses the web server 180 to select or purchase goods and / or services. Receiving at least one or more transaction information generated when selecting or purchasing the goods and / or services; and providing the generated payment means use application information to the client (2).

The extraction or retrieval unit 110 in the server, after the confirmation of at least one or more transaction information and / or the corresponding client authentication information provided from the client terminal 145 through the server-side program 105 is completed, the transaction information And / or extract or retrieve predetermined information (eg, client personal information or card information, etc.) in connection with a database based on the client information, for generating and determining personalized card use application information according to the present invention. Do it.

In addition, the extraction unit 110 reads the transaction information to determine the type of goods and / or services to be selected and / or purchased by the client, and the type information and the storage of the identified goods and / or services Comparing the payment method application policy previously stored in the medium, a predetermined discount rate is applied or a predetermined point is generated according to the purchase of the product and / or service, or a predetermined benefit is provided to the client purchasing the product and / or service. Extract payment means information from the database.

The usage information application determination unit 120 in the server 100 determines whether the personalized card usage information can be applied and provided to the client based on the information retrieved or extracted through the extraction or search unit 110. It is used to judge whether

For example, when the usage information application determination unit 120 purchases a corresponding product through a payment means (for example, a card, etc.) linked to or linked with the server 100, an incentive that can be applied and / or provided to the client ( For example, points, etc.) can be determined.

The card usage information generation unit 115 in the server may refer to information such as incentives valid for the corresponding client determined by the usage information application determination unit 120 to obtain personalized card usage application information to be provided to the client. It creates a role.

For example, the generation unit 115 generates predetermined payment means use application information for recommending a payment method to be used when the client purchases the goods and / or services based on the payment means information extracted by the extraction unit 110. Do it.

For example, the personalized card usage application information generated by the card usage information generating unit 115 is based on client information (including card information) and is information including at least one or more incentives, and the like. It is transmitted to the client side program 150 via 105, and is output to the client terminal 145.

Databases (storage media) shown in the server of this figure has been presented to help the understanding of the present invention, it is specified that the database (or information) can be stored in any storage media that cooperates with the server.

When the storage medium purchases a certain product and / or service sold by the web server 180, a predetermined discount rate is applied, a predetermined point is generated, or a predetermined benefit is provided to the product and / or service purchase client. Set and save the payment method application policy according to the purchase of goods and / or services.

The personal information database 135 is a database that stores personal information (name, ID, password, address, date of birth, work information, income information, etc.) of the client, and the personal information is personalized card use application information according to the present invention. It will provide a basis for providing.

The card information database 140 is a database including card related information of the client such as card product information owned by the client and card usage history (evaluation) information, and together with the personal information database 135, Stores information necessary to provide personalized card usage application information.

The policy information database 125 is a database containing policy information related to providing personalized card usage application information to a corresponding client according to the present invention. For example, the policy information database may include policies related to incentives that can be differentially provided to a corresponding client according to a specific product or a specific date and time or a specific card product.

The usage application information database 130 is a database for storing and managing details about personalized usage application information provided to the corresponding client terminal 145 according to the present invention.

As shown in the figure, the client terminal 145, which is another component constituting the personalized card usage information providing system, provides a wired / wireless product or service on a wired / wireless communication network and / or predetermined Interworking with a web server 180 providing a payment transaction, etc., providing at least one or more transaction information with the web server 180 to the server 100 for a wired / wireless communication network, and performed by the server 100. It is characterized in that the role of receiving the card usage information application history of the client.

According to the present invention, the client terminal 145 includes both a personal computer capable of wired and wireless Internet access and / or browsing and a wireless communication device.

According to the present invention, the client terminal 145 is provided with a client side program 150 to perform the above-described functions, the client side program 150 is more specifically the transaction information collection module 160, and transaction lines And an information transmission module 165, a personalized usage information output module 170, an information storage module 175, and the like.

According to the present invention, the transaction information collecting module 160 of the client side program 150 in the client terminal 145 establishes a communication session with an arbitrary web server 180 through a wired / wireless communication network. And at least one transaction information between the client terminal 145 and the web server 180 through the formed communication session.

For example, the transaction information collection module 160 may include information in a browser provided to the client terminal 145 through the communication session (for example, web page information formed by confirming the purchase intention of the client or at least one or more products unique). Identification code, price information, information on a specific product (item), etc.) and the like, and provide the confirmed information to the transaction information transmission module 165 to provide the server 100.

The transaction information transmission module 165, which is another component of the client side program 150, may transmit at least one transaction information identified by the transaction information collection module 160 to the server side program 105 in the server 100. In conjunction with the transmission.

The personalized usage information output module 170, which is another component of the client-side program 150, includes at least one stored in association with the client by the server 100 receiving the transaction information transmitted from the client-side program 150. In the process of determining and generating whether the card usage information of the client is applied based on the above information (for example, information including all of personal information, card information, card usage information, etc.) and providing it to the client terminal 145, Personalized card usage application information provided to the client terminal 145 is output to the client terminal 145.

The information storage module 175, which is another component of the client-side program 150, provides client terminal system information for optimal communication between the client-side program 150 and the server-side program 105 on a valid communication network. And, it stores the environment information for driving the client-side program and the like, and also includes a temporary storage function for the transaction information collected through the transaction information collection module 160.

In addition, the information storage module 175 may further include personal authentication information for client authentication.

The web server 180 shown in the figure is connected to the client terminal 145 according to the present invention through a wired or wireless communication network, and forms a communication session with the client terminal 145, and provides a wired or intangible product or service; And / or provide a predetermined payment transaction.

In addition, according to a preferred embodiment of the present invention, it is noted that the web server 180 may include a client side program 150.

Figure 2 is an exemplary view showing a simple flow for the process of the present invention is implemented.

This embodiment diagram illustrates at least one transaction on a communication channel formed between the client terminal 145 and the product or service providing web server 180 through the client side program 150 included in the client terminal 145 according to the present invention. The process of collecting information and transmitting it to the server side program 105 is shown.

The process according to the drawing is a product in which a predetermined discount rate is applied when a predetermined product and / or service is purchased in the server 100, a predetermined point is generated, or a predetermined benefit is provided to the product and / or service purchase client And / or set the payment means application policy according to the service purchase in a predetermined database (200), and start by checking whether the client side program 150 according to the present invention is provided on the client terminal (205).

The client side collects at least one transaction information exchanged on a predetermined communication session between the client terminal 145 and the web server 180 according to the present invention, and provides it to the server side program 105 on the wired / wireless communication network. If the program 150 exists (210), if the client terminal 145 connects to the product or service providing web server 180 through a valid communication network (215), the client side program 150 is driven. (220).

On the other hand, if the client side program 150 according to the present invention does not exist in the client terminal 145 (225), it may be to download the client side program 150 from the server 100 via a wired or wireless communication network ( 230).

According to the present invention, the driving of the client side program 150 may be implemented in various ways. For example, the client terminal 145 may be driven at the same time as driving (eg, booting), or may be driven through a predetermined procedure (eg, manual) such as logging in of the client.

When the client side program 150 is driven in the client terminal 145, the client side program 150 attempts to establish a communication session with the server side program for data communication (235).

The communication session connection between the client side program 150 in the client terminal 145 and the server side program 105 in the server 100 is successful (240) and the server side in the client side program 150 and the server 100 is connected. When a communication session between the programs 105 is connected (245), the client side program 150 performs an initialization operation for collecting and transmitting transaction information exchanged between the client terminal 145 and the web server 180. (250).

The initialization task includes a series of tasks (eg, securing a work space (memory), confirming a communication protocol, etc.) and checking update information of a program for the client-side program 150 to run on the client terminal 145.

When the initialization of the client-side program 150 is completed (255), the transaction information collection module 160 in the client-side program 150 is at least one transaction exchanged between the client terminal 145 and the web server 180 Collect information (260).

For example, the transaction information may include web page information (such as web page information formed by confirming the purchase intention of the client) for payment transaction and / or at least one or more product-specific identification code, price information, information of a specific product (item) Means information generated when the client accesses the web server 180 through a wired / wireless communication network to select or purchase a product and / or a service.

On the other hand, if the initialization of the client-side program 150 is not completed (265), the client-side program 150 performs an initialization operation such as securing memory and checking whether or not to update the program to complete the initialization operation ( 270).

Transaction information collected through the transaction information collection module 160 of the client-side program 150 is transmitted to the transaction information transmission module 165 (275), the transaction information transmission module 165 is a transaction information collection module ( In operation 280, the transaction information provided from the 160 is transmitted to the server-side program 105 for the determination and generation of the personalized card use application information according to the present invention.

3 is an exemplary diagram illustrating a simple flow of a process of implementing the present invention.

In this embodiment, at least one of the client side programs 150 included in the client terminal 145 is exchanged on the communication channel formed between the client terminal 145 and the web server 180 for providing goods or services through the process of FIG. 2. After collecting and transmitting the transaction information to the server-side program 105, in the process of determining the application of the personalized card usage information according to the present invention in the server 100, to provide to the client terminal 145 Here is a simple flow chart.

This embodiment is initiated via the communication session connection of the client side program 150 in the server 100 and the client terminal 145 (300).

When the server-side program 105 receives at least one transaction information from the client-side program 150 through the process of FIG. 2 (305), the server-side program 105 is the transaction information and the client information (ID) Unique recognition information, etc.) and checks and transmits it to the extraction or search unit 110 in the server 100 (310).

The extraction or retrieval unit 110 retrieves or extracts the client related information in association with a database (eg, a personal information database, a card information database, a policy information database, etc.), thereby reading the transaction information and selecting the client. And / or identify the type of goods and / or services to be purchased (315).

For example, the client-related information may include at least one client personal-related information including at least one or more of a name, ID, password, address, date of birth, work information, income information, and / or card product information, card usage history (evaluation) information, and the like. Includes one or more client card related information.

When the corresponding client related information is extracted or searched through the extraction or searching unit 110, the usage information application determining unit 120 in the server 100 may search the extracted or related client related information and / or the server ( In step 100), the type information of the goods and / or services identified is compared with a payment means application policy previously stored in the database, and a predetermined discount rate is applied or a point is generated according to the purchase of the goods and / or services. In operation 320, it is determined whether payment means information (card usage information, etc.) that provides a predetermined benefit to the product and / or service purchase client can be extracted or generated from a database.

For example, the determination of whether to apply the personalized card usage information may be applicable (provided) to the client by generating appropriate and effective information (eg, incentive granting information according to the use of the card) with the client by referring to the client related information. It means a series of tasks to judge.

If a determination result is obtained to apply the personalized card usage information (325), the usage information application determination unit 120 transmits the determination result to the personalized card usage information generation unit 115 (330), The card usage information generator 115 extracts or generates personalized card usage application information to be provided to the client terminal 145 (335).

When the personalized card usage application information to be provided to the client is generated through the above process, the server-side program 105 in the server 100 generates the personalized card usage application information (the product extracted or generated from the server). And / or payment means information for service purchase) to the client-side program 150 (340).

The usage information output module 170 in the client-side program 150 checks the received personalized card usage application information and displays it through a browser or the like on the client terminal 145 so that the client can recognize it. (345).

When the personalized card usage application information is provided to the client terminal 145, the server 100 updates the database by storing the personalized card usage application information provided to the client terminal 145 in a database (350). .

4 is a simple flowchart of a preferred embodiment of the present invention.

According to another embodiment of the present invention, the driving position of the client-side program 150 is a plug-in program, which is located in a web server 180 or the like that interoperates with and / or cooperates with the server 100. This is an illustration of the process to be implemented.

In this embodiment, the client terminal 145 is connected to a web server 180 having a client-side program 150 that communicates with the server 100, so that the server 100 receives the personal information of the client and the client. In operation 400, the client information including at least one ownership payment means information and payment method usage information of the client is provided from the client terminal 145 or the web server 180.

The server 100 stores the client information provided from the client or the web server 180 in association with the payment means application policy in which a predetermined benefit is provided to the client at the time of purchasing the product and / or service of the client. (405).

The at least one client-side program 150 included in the web server 180 or the client is generated when the client accesses the web server 180 through a wired / wireless communication network to select or purchase goods and / or services. Collecting transaction information, and provides the collected transaction information and the client information to the server 100 (410).

For example, the transaction information includes product or service (payment) information and card information (eg, card number information, etc.) of the client, and provides a basis for running a program (client side) in the web server 180. .

The server 100 checks the transaction information and the client information (unique identification information such as ID, password, etc.) provided from the web server 180 or the program 150 of the client (415).

The server 100, based on the confirmed transaction information and the client information (unique recognition information such as ID, etc.), interlocks with a database to determine the type of goods and / or services that the client wants to select and / or purchase. Thus, a predetermined discount rate is applied or a predetermined point is generated according to the purchase of the product and / or service in the payment means application policy previously stored in the database based on the client information. Search or extract payment method information provided with a predetermined benefit (420), and determines whether it can be provided to the client (425). As a result of the determination, if it is possible to provide payment means information to the client (430), based on the extracted payment means information, the predetermined payment means for recommending the payment means to be used when the client purchases the product and / or service Generate usage information (435).

The server 100 provides the generated personalized payment means usage information (card usage information) to the client terminal browser (440), and the personalized card usage application information provided to the client terminal 145 in a database. Save (445).

The embodiments described below are specific card usage policies that apply a certain discount rate or grant a certain point when purchasing certain goods and / or services on a server, or provide certain benefits to a client who purchases the goods and / or services. Set to provide the client with the predetermined benefit provision information according to a specific card use of the client.

In the method of providing personalized card use information for achieving the present embodiment, a predetermined discount rate is applied or a predetermined point is granted when a predetermined product and / or service is purchased in the server 500, or the product and / or service purchase is performed. In a first step of setting a specific card usage policy that provides a predetermined benefit to a client and storing the same in a predetermined database 505, the client-side program 525 included in the client 520 or the web server 530 may be used. A second step of collecting at least one transaction information generated when the client 520 accesses the web server 530 through a wired / wireless communication network and selects or purchases a product and / or a service, and the client 520 Or in the client-side program 525 included in the web server 530, a selection or purchase transaction of the collected goods and / or services. A third step of transmitting the selection information to the server 500 and reading the transaction information from the server 500 to determine the type of goods and / or services that the client 520 wants to select and / or purchase. The fourth step of identifying the product, the type information of the goods and / or services identified by the server 500 and the specific card usage policy previously stored in the database 505, the product and the And / or the fifth step of extracting or generating, from the database 505, predetermined discount rate applied information, predetermined point grant information, or predetermined benefit provision information provided to the client 520 when the service is purchased. The predetermined discount rate application information, the predetermined point granting information, or the predetermined benefit providing information according to the extracted or generated use of the specific card may be recalled. Characterized in that it comprises a sixth step of providing to the client 520.

Preferably, a specific card usage policy for applying a predetermined discount rate or granting a predetermined point in purchasing the predetermined product and / or service or providing a predetermined benefit to the product and / or service purchase client 520 may be recalled. The process of storing the predetermined database 505 may be classified and stored for each product and / or service selling web server 530.

Preferably, in the first step, the client information includes the client information including at least one or more personal information of the client, information on a payment method owned by the client, and information on using payment means of the client. Or step 1-1 provided from the web server 530 and applying a predetermined discount rate or granting a predetermined point when purchasing the predetermined product and / or service in the server, or providing the product and / or service. When storing a specific card use policy that provides a predetermined benefit to a purchase client in the predetermined database 505, the card 1-1 is processed in association with the client information and stored separately for each of the product and / or service purchase clients. Characterized in that it further comprises two steps.

Preferably, in the second step, the transaction information, web page information for a predetermined payment transaction is formed by confirming the intention to purchase the goods and / or services of the client 520, and the goods and / or At least one product-specific identification code for service recognition, price information of the product and / or service, specific item information about the product and / or service, and specific card information used to purchase the product and / or service Characterized in that it comprises at least one or more.

5 is a block diagram showing an embodiment of a personalized card usage information providing system according to the present invention.

Referring to FIG. 5, the personalized card usage information providing system includes a web server 530 that sells at least one product and / or service, a predetermined product sold by the web server 530 using a specific card, and And / or the specific card information and / or the specific card usage policy information for applying a predetermined discount rate or granting a predetermined point or providing a predetermined benefit to the product and / or service purchase client when purchasing a service. A storage medium 505 for storing in association with card use client information, a function of collecting at least one transaction information generated when a product and / or service is selected or purchased by accessing the web server; and the collected product And / or to transmit a service selection or purchase transaction information to the server 500 on the wired or wireless communication network. A client terminal 520 having an client-side program 525, an interface unit 1 for receiving the transaction information collected and transmitted by the client-side program 525 in the client terminal 520, and the interface Read the transaction information received by section 1 to read the product and / or service information that the client wants to select and / or purchase, and the specific card information that the client wants to use, and the read specific card information. And predetermined discount rate applied information provided to the client when purchasing the product and / or service from the storage medium 505 to the specific card based on the product and / or service information, and / or predetermined point providing information and / or The product and / or the extraction unit 510 for extracting the benefit information, and the specific card extracted from the extraction unit 510 And a server 500 including an interface unit 2 for providing predetermined discount rate applied information and / or predetermined point providing information and / or benefit information to the client terminal 520 when the service is purchased. It is characterized by.

Preferably, the client side program 525 in the client terminal 520 may provide the predetermined discount rate application information, and / or the predetermined point providing information and / or benefits provided from the interface unit 2 in the server 500. The information is output to the client and provided.

The specific card information and / or the specific card usage client information stored in the storage medium 505 may include card usage type information including the specific card usage count and / or usage amount information of the client. It features.

Preferably, the client terminal 520 includes a wired terminal or a wireless terminal, and the client-side program 525 included in the client terminal 520 identifies the client based on the transaction information from the server 500. Incentive information provided to the client upon purchase of the goods and / or services by a card is generated and transmitted to the client terminal 520, and further includes a function of receiving the output and the function of outputting the received incentive information to the client.

The server 500 includes a recording medium recording an electronic information management program for realizing a predetermined function by using a computer, etc. Preferably, the recording medium is interlocked with the client-side electronic information management program, A function of receiving selection or purchase transaction information of goods and / or services transmitted from the client-side electronic information management program, and reading and receiving the received transaction information to allow the client to select and / or purchase Based on the service information, the function of reading the specific card information to be used by the client, and the specific card information and the goods and / or service information based on the read specific card information and the product and / or service information, The predetermined discount rate applied information provided, and / or the predetermined fabric A function of generating or extracting the provision providing information and / or the benefit information, and predetermined discount rate applied information provided to the client when purchasing the goods and / or services with the generated or extracted specific card, and / or predetermined point providing information And / or record an electronic information management program for realizing a function of transmitting benefit information to the client-side electronic information management program.

6 is a simplified flowchart for implementing another preferred embodiment according to the present invention.

Referring to FIG. 6, the server 500 receives client information including the client's personal information, ownership payment means information, and payment means use information from the client 520 or the web server 530 (600). The server 500 stores, in association with the client information, specific card usage information that provides a predetermined benefit when purchasing a predetermined product and / or service of the client (605).

For example, the linked storage process of the specific card usage information and the client information may be stored separately for each corresponding product and / or service sales web server 530.

When the client 520 accesses the web server 530 through a wired / wireless communication network and selects or purchases a product and / or a service (610), the client side program 525 provided in the client terminal 520 may receive the product. And / or collect transaction information generated at service selection or purchase (615).

For example, transaction information collected by the client-side program 525 from the web server 530 may include payment web page information, product specific identification code information selected or purchased by the client, price information, specific item information, and the client. At least one specific card information to be used is included.

Also, preferably, the client-side program 525 may be provided in the product and / or service providing web server 530.

The client-side program 525 collects payment transactions for goods and / or services of the client from the web server 530 and transmits the collected transaction information to the server 500 (620).

The server 500 reads the transaction information transmitted by the client-side program 525 to identify the goods or services that the client wants to select and / or purchase (625).

For example, the reading of the transaction information is performed based on the product and / or service information, the product code information, and the like included in the transaction information transmitted from the client side program 525.

The server 500 determines whether to extract or generate benefit information to be provided to the client by comparing the identified product or service type information with the previously stored specific card use policy (630). If it is not possible to extract or generate benefit information corresponding to the client, the process of providing benefit information according to this drawing ends (635).

On the other hand, if it is possible to extract or generate benefit information provided to the client based on a specific card use policy previously stored in the storage medium 505 (640), the server 500 is the product or service Due to the purchase, the benefit information provided to the client is extracted or generated (645), the extracted predetermined benefit information is transmitted to the client-side program 525, and forwarded to the client (650).

7 is a simple flowchart for implementing another preferred embodiment according to the present invention.

FIG. 7 further includes a process of extracting, by the server 500, specific card information that the client intends to use when purchasing a predetermined product and / or service, and the extracted specific card information includes the client. The storage medium 505 stores predetermined benefit information that can be provided to the client together with goods and / or service type information identified from the transaction information transmitted from the client side program 525 of the terminal 520 to the server 500. Prepare the basis for extracting from

7 is a web server 530 that sells at least one product and / or service and a client who accesses the web server 530 to purchase the goods and / or services through a wired / wireless network and personalized to the client. The process of providing personalized card usage information including a server 500 for providing card usage information is schematically illustrated.

Referring to FIG. 7, the server 500 includes the client information including at least one personal information of the client, information on a payment method owned by the client, and information on using a payment method of the client. Provided from the server 530 (1-1), applying a predetermined discount rate or granting a predetermined point when purchasing a certain product and / or service with the specific card in the server 500, or giving the product and / or When storing a specific card usage policy that provides a predetermined benefit to a service purchase client in the predetermined database 505, the card information is stored in association with the client information and separately stored for each product and / or service purchase client (1). -2).

Preferably, the specific card usage policy for applying a predetermined discount rate or granting a predetermined point or providing a predetermined benefit to the client for purchasing the product and / or service when the predetermined product and / or service is purchased with the specific card. In storing in a predetermined database, the product and / or service sales web server 530 may be stored separately.

When the specific card use policy and the client information are processed in association with each other, the client side program 525 included in the client 520 or the web server 530 may be configured by the client 520 via the wired / wireless communication network. By accessing the web server 530 (2-1) and collecting at least one transaction information generated when selecting or purchasing goods and / or services (2-2).

When transaction information generated by the client's product and / or service selection is collected through the client-side program 525, the client-side program 525 included in the client 520 or the web server 530 is collected. Transmitting selected or purchased transaction information of the goods and / or services to the server (3).

The server 500 reads the transaction information transmitted from the client-side program 525 to identify the type of goods and / or services that the client wants to select and / or purchase, and the client wants to use when making a payment. Extract card information (4).

The server 500 compares the extracted specific card information and the type information of the identified goods and / or services with a specific card use policy previously stored in the database 505, and uses the specific card to store the goods and And / or extract or generate predetermined discount rate applied information, predetermined point granting information, or predetermined benefit provision information provided to the client at the time of service purchase (5).

In addition, the server 500 provides the client 520 with predetermined discount rate application information, predetermined point grant information, or predetermined benefit provision information according to the extracted or generated use of the specific card (6).

Preferably, in the step (2), the transaction information is a predetermined payment transaction formed by confirming specific card information used when purchasing the product and / or service, and intention of purchasing the product and / or service of the client. At least one webpage information for the at least one product-specific identification code for recognizing the goods and / or services, price information of the goods and / or services, and specific item information for the goods and / or services. It is characterized by including the above.

8 is a simple data structure diagram of an information storage medium according to a preferred embodiment of the present invention.

Referring to FIG. 8, a simple example of a storage medium storing specific card usage policy information providing a predetermined benefit when purchasing a predetermined product and / or service sold by a corresponding web server using a specific card is shown.

The storage medium may be included in a server according to the present invention, or may be a separate server interworking with the server.

In addition, in storing a specific card use policy that provides a predetermined benefit according to the present invention, it may be stored in association with the client information using the specific card and / or the specific card information.

According to FIG. 8, the storage medium includes at least one client information data file, a specific card usage policy information data file, and the client information data file and the specific card usage policy information data file are stored in association with each other. .

Preferably, the client information data file includes specific card information, unique ID information, specific card usage count information, usage amount information, etc. of the client.

Preferably, the specific card usage policy information data file associated with the client information data file is provided with the corresponding product and / or service information (eg, product code, product name, product manufacturer, etc.) and the product and / or service purchased. The information includes discount rate applied information (eg, whether or not discount rate is applied, discount rate (%), etc.), and point providing information (eg, whether or not to provide point, provided point (pt), etc.) provided when purchasing the corresponding product and / or service. In addition, the specific card use policy information data file may further include benefit information such as a coupon.

According to the present invention, personalized to read the predetermined transaction information formed by the client terminal and the web server to the server, and to determine and generate card usage information that can be provided to the client through the server to provide to the client By presenting a method and a system for providing card usage information, a card user can be provided with more useful card usage information that is made appropriate for him or her in using the card.

In addition, the card company has an advantage that can increase the card usage rate by providing a personalized high quality service based on the card user.

Claims (33)

A web server selling at least one product and / or service, a client connecting to the web server to purchase the goods and / or services through a wired / wireless communication network, and a server providing personalized card usage information to the client. In the personalized card usage information providing method comprising: Payment means in which the predetermined product and / or service information and a predetermined discount rate are applied when the product and / or service is purchased at the server, a predetermined point is generated, or a predetermined incentive is provided to the product and / or service purchase client. A first step of storing a predetermined payment means application policy associated with the information in a predetermined database; A second step of collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing the web server through a wired / wireless communication network in a program provided in the client or the web server; Transmitting a selection or purchase transaction information of the collected goods and / or services to the server in a program provided in the client or the web server; A fourth step of reading the transaction information from the server to determine the type of goods and / or services that the client wants to select and / or purchase; The server compares the type information of the goods and / or services identified with the payment means application policy previously stored in the database, and a predetermined discount rate is applied or a point is generated according to the purchase of the goods and / or services. Or extracting or generating, from the database, payment means information for which a predetermined incentive is provided to the product and / or service purchase client; And And a sixth step of providing the client with the extracted payment means information from the server. The method of claim 1, wherein the first step, Personalized payment method usage information providing method characterized in that for storing the payment means application policy for each product and / or service sales web server. The method of claim 1 or 2, wherein the first step is Receiving, at the server, the client information including at least one or more of the client's personal information, the client's own payment means information, and the client's payment means use information from the client or the web server; And storing the payment means application policy in association with the client information in the server, and storing the payment means application policy for each client and storing the payment means application policy. The method of claim 1, wherein in the second step, The transaction information, Web page information for a predetermined payment transaction formed by confirming the purchase intention of the product and / or service of the client, at least one product unique identification code for recognizing the product and / or service, and the product and / or And at least one or more pieces of price information of a service and specific item information of the goods and / or services. The method of claim 1, wherein the client, Personalized payment means usage information providing method comprising a wired terminal or a wireless terminal. A web server selling at least one product and / or service, a client connecting to the web server to purchase the goods and / or services through a wired / wireless communication network, and a server providing personalized card usage information to the client. In the personalized card usage information providing method comprising: A first step of receiving, at the server, the client information including at least one or more of the client's personal information, the client's own payment means information, and the client's payment means usage information; Payment means in which the predetermined product and / or service information and a predetermined discount rate are applied when the product and / or service is purchased at the server, a predetermined point is generated, or a predetermined incentive is provided to the product and / or service purchase client. A second step of cooperatively processing the predetermined payment means application policy in which the information is cooperatively processed and storing in a predetermined database; A third step of collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing the web server through a wired / wireless communication network in a client-side program provided in the client or the web server; A fourth step of transmitting the collected or selected transaction information of the goods and / or services and the client information to the server in a client-side program included in the client or the web server; A fifth step of reading the transaction information from the server to determine the type of goods and / or services to be selected and / or purchased by the client; The server may compare the type information of the goods and / or services identified by the server and the client information with a payment method application policy previously stored in the database, and a predetermined discount rate may be applied according to the purchase of the goods and / or services. Extracting or generating payment means information in which points are generated or predetermined incentives are provided to the product and / or service purchase client; And And providing the client with the extracted payment means information from the server to the client. 7. The method of claim 6, wherein in the second step, Personalized payment method usage information providing method characterized in that for storing the payment means application policy for each product and / or service sales web server. The method of claim 6, wherein in the third step, The transaction information, Web page information for a predetermined payment transaction formed by confirming the purchase intention of the product and / or service of the client, at least one product unique identification code for recognizing the product and / or service, and the product and / or And at least one or more price information of a service and specific item information on the goods and / or services. The method of claim 6, wherein the client, Personalized payment means usage information providing method comprising a wired terminal or a wireless terminal. Linking predetermined product and / or service information with payment means information in which a predetermined discount rate is applied, a predetermined point is generated, or a predetermined incentive is provided to the product and / or service purchasing client. A storage medium for storing the predetermined payment means application policy; When the client terminal accesses a web server to select or purchase goods and / or services, the client terminal receives at least one transaction information generated when selecting or purchasing the goods and / or services from a client-side program included in the client or the web server. An interface unit 1; Read the transaction information to determine the type of goods and / or services to be selected and / or purchased by the client, and the information on the type of the goods and / or services identified and the payment means applied policy stored in the storage medium In comparison, the method of extracting payment means information from the database, in which a predetermined discount rate is applied according to the purchase of the goods and / or services, a predetermined point is generated, or a predetermined incentive is provided to the goods and / or services purchase client. Extraction unit; A generation unit generating predetermined payment means use application information for recommending a payment means to be used by the client when purchasing the goods and / or services, based on the payment means information extracted by the extraction unit; And And an interface unit (2) for providing the generated payment means use application information to the client. The method of claim 10, wherein the storage medium, Personalized payment means use information providing system, characterized in that for storing the payment means application policy for each product and / or service sales web server. The method of claim 10 or 11, wherein the storage medium, Using the personalized payment means characterized in that the payment means application policy stored in association with the client information including at least one or more of the client's personal information, the client's own payment means information, the client's payment means usage information. Informational system. The method of claim 10, wherein the transaction information, Web page information for a predetermined payment transaction formed by confirming the purchase intention of the product and / or service of the client, at least one product unique identification code for recognizing the product and / or service, and the product and / or And at least one or more price information of a service and specific item information of the goods and / or services. The method of claim 10, wherein the client, Personalized payment means using information providing system comprising a wired terminal or a wireless terminal. Collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing a web server through a wired / wireless communication network; Transmitting the collected or selected transaction information of the goods and / or services to a server on a wired / wireless communication network; A function of receiving payment means information, which is incentive upon purchase of the goods and / or services, from the server based on the transaction information; And And an electronic information management program for realizing the function of outputting the received payment means information to the client. The method of claim 15, wherein the recording medium, Located in the client wired terminal and / or wireless terminal, or The recording medium, characterized in that located on the web server. A web server selling at least one product and / or service, a client connecting to the web server to purchase the goods and / or services through a wired / wireless communication network, and a server providing personalized card usage information to the client. In the personalized card usage information providing method comprising: A specific card in which the predetermined product and / or service information and a predetermined discount rate are applied when the product and / or service is purchased, a predetermined point is generated, or a predetermined incentive is provided to the product and / or service purchase client. A first step of storing a specific card use policy associated with the information in a predetermined database; A second step of collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing the web server through a wired / wireless communication network in a client-side program provided in the client or the web server; A third step of transmitting the collected or selected transaction information of the goods and / or services to the server in a client-side program included in the client or the web server; A fourth step of reading the transaction information from the server to determine the type of goods and / or services that the client wants to select and / or purchase; Predetermined discount rate application information provided to the client when purchasing the product and / or service using a specific card, comparing the type information of the goods and / or services identified by the server with a specific card usage policy previously stored in the database. Or extracting or generating predetermined point granting information or predetermined incentive providing information from the database; And A sixth step of providing the client with predetermined discount rate application information, predetermined point grant information, or predetermined benefit provision information according to the use of the specific card extracted or generated by the server; How to Provide. 18. The method of claim 17, wherein in the first step: And storing the specific card use policy in the predetermined database, and storing the specific card use policy separately for each product and / or service selling web server. The method of claim 17 or 18, wherein the first step, Receiving, at the server, the client information including at least one or more of the client's personal information, the client's own payment means information, and the client's payment means use information from the client or the web server; When the server stores a specific card usage policy in the database, storing the data by linking with the client information, and storing them separately for each client. . 18. The method of claim 17, wherein in the second step: The transaction information, Web page information for a predetermined payment transaction formed by confirming the purchase intention of the product and / or service of the client, at least one product unique identification code for recognizing the product and / or service, and the product and / or And at least one or more of price information of a service, specific item information of the goods and / or services, and specific card information used to purchase the goods and / or services. The method of claim 17, wherein the client, Personalized payment means usage information providing method comprising a wired terminal or a wireless terminal. A web server selling at least one product and / or service, a client connecting to the web server to purchase the goods and / or services through a wired / wireless communication network, and a server providing personalized card usage information to the client. In the personalized card usage information providing method comprising: By setting a specific card use policy that applies a predetermined discount rate or grants a predetermined point or provides a predetermined incentive to the client to purchase a product and / or service with a specific card in the server A first step of storing in a predetermined database; A second step of collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing the web server through a wired / wireless communication network in a client-side program provided in the client or the web server; A third step of transmitting the collected or selected transaction information of the goods and / or services to the server in a client-side program included in the client or the web server; A fourth step of reading the transaction information from the server to determine the type of goods and / or services to be selected and / or purchased by the client, and to extract specific card information to be used for payment by the client; By comparing the specific card information extracted from the server and the type information of the identified goods and / or services with a specific card usage policy previously stored in the database, the client may purchase the goods and / or services using the specific card. Extracting or generating predetermined discount rate applied information, predetermined point granting information, or predetermined incentive providing information provided from the database; And A sixth step of providing the client with predetermined discount rate application information, predetermined point granting information, or predetermined incentive providing information according to the use of the specific card extracted or generated by the server; How to Provide. The method of claim 22, wherein in the first step: And storing the specific card use policy in the predetermined database, and storing the specific card use policy separately for each product and / or service selling web server. The method of claim 22 or 23, wherein the first step, Receiving, at the server, the client information including at least one or more of the client's personal information, the client's own payment means information, and the client's payment means use information from the client or the web server; When the server stores a specific card use policy in the predetermined database, storing the data in association with the client information, and storing them separately for each client; providing personalized payment means use information further comprising: Way. The method of claim 22, wherein in the second step: The transaction information, Specific card information used to purchase the goods and / or services, web page information for a predetermined payment transaction formed by confirming the intention to purchase the goods and / or services of the client, and for recognition of the goods and / or services. And at least one product-specific identification code, price information of the product and / or service, and at least one or more specific item information about the product and / or service. The method of claim 22, wherein the client, Personalized payment means usage information providing method comprising a wired terminal or a wireless terminal. When purchasing a certain product and / or service using a specific card, the specific card usage policy information for applying a predetermined discount rate or granting a predetermined point or providing a predetermined incentive to the product and / or service purchase client may be recalled. A storage medium for storing in association with specific card information and / or the specific card using client information; An interface unit (1) for receiving the transaction information through a program for collecting at least one transaction information generated when a client accesses a web server to select or purchase goods and / or services; Read the transaction information received by the interface unit 1 to read the product and / or service information to be selected and / or purchased by the client, and the specific card information to be used by the client, and to read the specific Predetermined discount rate application information and / or predetermined point provision information and / or incentive provided to the client when purchasing the product and / or service from the storage medium to the specific card based on card information and product and / or service information An extraction unit for extracting information; And An interface unit for providing the client terminal with predetermined discount rate application information and / or predetermined point providing information and / or incentive information provided to the client when purchasing the product and / or service with the specific card extracted by the extracting unit ( 2); Personalized payment means use information providing system, characterized in that comprises a. 28. The method of claim 27, wherein the client information stored in the storage medium, Personalized payment means use information providing system comprising the card usage form information including the specific number of card usage and / or the amount of use information of the client. Collecting at least one transaction information generated when a client selects or purchases a product and / or a service by accessing a web server through a wired / wireless communication network; Transmitting the collected or selected transaction information of the goods and / or services to a server on a wired / wireless communication network; Receiving the incentive information provided to the client when the client purchases the goods and / or services to a specific card based on the transaction information from the server and is transmitted; And And an electronic information management program for realizing the function of outputting the received incentive information to the client. The method of claim 29, wherein the transaction information, The transaction information, Specific card information used to purchase the goods and / or services, web page information for a predetermined payment transaction formed by confirming the intention to purchase the goods and / or services of the client, and for recognition of the goods and / or services. And at least one product-specific identification code, price information of the goods and / or services, and specific item information for the goods and / or services. The method of claim 29, wherein the recording medium, And a recording medium located at the client wired terminal and / or the wireless terminal. Collecting at least one transaction information generated when a client selects or purchases a product and / or service by accessing a web server through a wired / wireless communication network; Transmitting the collected or selected transaction information of the goods and / or services to a server on a wired / wireless communication network; A function of receiving incentive information provided to the client when the client purchases the goods and / or services with a specific card based on the transaction information from the server and transmitting the incentive information; And interworking with a client-side electronic information management program for realizing a function of outputting the received incentive information to the client, Receiving selection or purchase transaction information of goods and / or services transmitted from the client-side electronic information management program; Reading the received transaction information to read goods and / or service information to be selected and / or purchased by the client and specific card information to be used by the client; Based on the read out specific card information and product and / or service information, predetermined discount rate applied information provided to the client when purchasing the product and / or service with the specific card, and / or predetermined point providing information and / or benefits Generating or extracting information; And The predetermined discount rate application information and / or the predetermined point providing information and / or benefit information provided to the client when purchasing the product and / or service with the generated or extracted specific card are transmitted to the client-side electronic information management program. And an electronic information management program for realizing a function. The method of claim 32, wherein the recording medium, And a recording medium located at the server.

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