KR100654613B1 - System for Providing the Credit Card Customer Oriented - Google Patents

Abstract

The present invention relates to a system for providing a customer-based (credit) card, comprising: means for receiving desired service item data to be included in a (credit) card from a client; Credit) means for generating, classifying and storing the card, means for counting the number of issuance requests for the issuance (credit) card, and the counting data exceeding a certain limit (limit according to the card issuance criteria). And means for issuing and providing the (credit) card to the client which has transmitted the desired service item data included in the issuance target (credit) card. It includes a system for providing a selected or presented (credit) card.

 Customer base, (credit) card

Description

System for Providing the (Credit) Card Customer Oriented}             

1 is a main configuration of a customer-based (credit) card issuing server that provides differentiated customer service through (credit) card purchases and issued customer-based (credit) cards by multiple participants.

2 is a simple flowchart illustrating the overall process of implementing the invention.

FIG. 3 is a simple flowchart illustrating an issuance process for a case where a client who wants to issue a card in the process of FIG. 2 is a specific community or a community having a common interest.

FIG. 4 is a simple flowchart illustrating an issuance process for a case where a client who wants to issue a card in the process of FIG. 2 is a specific community or a community having a common interest.

FIG. 5 is an example of a simple web browser in which a client selects services that can be included in a (credit) card that the client wants to issue.

6 is a simple example of a web browser screen in which the client checks the issueable quantity of the card selected by the client.

<Description of main parts of drawing>

100: issue server 105: data input / output

110: service request receiving unit 115: issuing condition processing unit

120: product classification unit 125: issuance review unit

130: issuer 135: member information management

140: propensity analysis unit 145: AS provider

150: Issuance Conditions D / B 155: Card Goods D / B

160: Personal Information D / B 165: Propensity Analysis D / B

170: client

The present invention relates to a customer-based (credit) card providing system using a customer-based (credit) card purchase of a plurality of participants, from one or more clients connected to the customer-based (credit) card issuing server to be implemented through the present invention Receiving a desired service that can be included in the (credit) card to be issued by the client, presenting the conditions for the issuance of the card (annual fee calculation, number of copies, etc.) to the client; Determining whether to accept the service, classifying and storing each client by the (credit) card to be issued, and determining whether to issue the service by referring to the issuance request quantity and personal information of each of the classified (credit) cards. Step and issuing to clients who requested the corresponding (credit) card when the issuance request quantity exceeds a certain limit. Authorizing the client, analyzing the client personality by referring to the services included in the (credit) card selected by the authorized clients, and providing differentiated services to the client based on the analyzed client personality. Include.

Also, if the client is a particular community or community with a common interest rather than an unspecified number, input a design (including logos, text and images, etc.) on the (credit) card desired by the particular community (community, etc.). The receiving step further includes.

Issuance of credit cards is determined by other issuance restrictions, such as age or credit criteria, but credit cards are the most widely used payment method except cash, and they have been built offline. Based on experience and experience, the company has entered the online e-commerce market, which has recently grown rapidly, and has become a representative payment method of e-commerce.

Initially, credit cards were issued offline before the Internet became widespread, but as the Internet infrastructure spread nationwide, it was also possible to issue credit cards online. In addition, as the number of users of credit cards increases, each credit card issuer presents a large number of card products, resulting in increased number of active advertisements and promotions.

However, the card products provided by the credit card issuers to the user have a problem in that the user's inclination and positive communication are virtually ineffective in selecting a predetermined product according to his or her taste.

In addition, in the issuance of the existing credit card, only the individual issuance of the card is issued, so users cannot enjoy the benefits (such as exemption or reduction of annual fee) that can be obtained through issuance of multiple participants for the card. It was.

An object of the present invention to solve the above problems is to receive the desired service that can be included in the (credit) card to be issued by one or more clients connected to the customer-based (credit) card issuing server to the client Present conditions for card issuance (annual fee calculation, number of purchases, etc.), check whether the client accepts the conditions presented above, classify and store for each (credit) card that each client wants to be issued, and classify Issuance is determined by referring to the number of issuance and personal information of each issued credit card, and if the amount of the issuance exceeds a certain limit, the client is requested to issue the credit card. Analysis of client personality by referring to services included in selected (credit) cards In addition, the present invention provides a method and system for providing a differentiated service to a corresponding client based on the analyzed client personality.

Another object of the present invention is to design a design (logo, text and image, etc.) on a (credit) card that the particular community (community, etc.) desires when the client is a particular community or community with a common interest rather than an unspecified majority. It includes in) providing a method further comprising the process of receiving input.

The present invention relates to a customer-based (credit) card providing system using a customer-based (credit) card purchase of a plurality of participants, from one or more clients connected to the customer-based (credit) card issuing server to be implemented through the present invention Receiving a desired service that can be included in the (credit) card to be issued by the client, presenting the conditions for the issuance of the card (annual fee calculation, number of copies, etc.) to the client; Determining whether to accept the service, classifying and storing each client by the (credit) card to be issued, and determining whether to issue the service by referring to the issuance request quantity and personal information of each of the classified (credit) cards. Step and issuing to clients who requested the corresponding (credit) card when the issuance request quantity exceeds a certain limit. Authorizing and issuing, analyzing the client personality by referring to the services included in the (credit) card selected by the authorized clients, and providing differentiated services to the client based on the analyzed client personality Steps.

Also, if the client is a particular community or community with a common interest rather than an unspecified number, input a design (including logos, text and images, etc.) on the (credit) card desired by the particular community (community, etc.). The receiving step further includes.

The system configuration of the present invention is a customer-based (credit) card issuing server and the customer-based (credit) for providing a personalization service using the issued (credit) card data and issuance of a customer-based (credit) card according to the client's selection on the Internet. And a service request receiving unit for receiving a desired service that can be included in the (credit) card that the client wants to be issued, and the client issuing the selected card to the client. Issuance condition processing unit for presenting the conditions for the acceptance and confirming their acceptance, a product classification unit for classifying and storing each (credit) card requested by each client to be issued, and the quantity and personal information of each issuance of the (credit) card. Issuing examination unit to determine whether to issue with reference to, and the client issuing Provides a differentiated service to the client based on the card issuer for issuing the card to the client, a propensity analyzer for analyzing the client's personal propensity based on the services included in the issued (credit) card, and the analyzed personal propensity. And an AS (Application Service) providing unit. The customer-based (credit) card issuing server includes a database of card issuance and customer disposition analysis.

In addition, the present invention provides a customer service method using a customer-based (credit) card purchase of a large number of participants through the steps described below through the operation of the system as described above.

That is, the issuance of the customer-based (credit) card and the issuance of the customer-based (credit) card and the customer-based (credit) card that provide personalization services using the issued (credit) card data according to the client's choice on the Internet. Characterized in that it is composed of at least one or more clients wanting, receiving the desired service that can be included in the (credit) card to be issued by the at least one client connected to the customer-based (credit) card issuing server And presenting the conditions for the card issuance (annual fee calculation, the number of issuance, etc.) to the client, confirming whether the client accepts the presented conditions, and which each client wants to receive (credit). ) Storing and classifying by card, issuance request quantity of each of the classified (credit) cards, and Determining whether the card is issued based on personal information, permitting issuance to clients requesting the corresponding (credit) card when the number of the issuance requests exceeds a certain limit, and selecting (credit) cards selected by the authorized clients. Analyzing the individual personality of the client with reference to the services included, and providing a differentiated service to the client based on the analyzed client personality, characterized in that the Internet through the above steps The present invention relates to a method of providing customer service using a customer base (credit) card purchase of a large number of participants.

In addition, the present invention further includes the step of receiving a design on the (credit) card desired by the particular community when a specific community or community having a common interest accesses a customer-based (credit) card issuing server. The present invention relates to a method of providing a customer service using a customer base (credit) card purchase of a plurality of participants.

In addition, the means for issuing and providing a (credit) card through the present invention can use a wired / wireless internet network as its communication means, and the (credit) card is a (credit) card of a credit card company, a (credit) card of a bank. And a digital format card and an IC card that can be distributed over wired or wireless.

When the wireless Internet network is used as a communication means, the (credit) card information data can be provided in real time by using a wireless communication terminal as a medium (mediator of all cards that can be inserted into or detached from a wireless communication device including an IC card). Say.

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 main configuration diagram of a customer base (credit) card issuing server 100 that provides differentiated customer service through a (credit) card purchase and issued customer base (credit) card by multiple participants.

Customer-based (credit) card issuing server 100 is the data input / output unit 105, service request receiving unit 110, issuance condition processing unit 115, product classification unit 120, issuing examination unit 125, issuing unit 130, the member information management unit 135, the propensity analysis unit 140, the AS (Application Service) providing unit 145 and the issuance condition database 150, the card product database 155, and the personal information database ( 160, the propensity analysis database 165, etc., and their respective functions are as follows.

The data input / output unit 105 serves as a gateway of the issuing server 100, and functions as a gateway for data input from the client 170 or data transmitted from the issuing server 100 to the client 170. The data includes transmission / reception means on the Internet such as mail.

The service request receiving unit 110 serves to receive the services included in the (credit) card to be issued by the individual of the plurality of participating clients 170 connected to the issuing server 100, the issuing server 100 ) May present a plurality of services to the client 170 to select from the client 170, and the client 170 may directly present a desired service.

The issuance condition processing unit 115 presents the conditions for issuance of a (credit) card including the desired service when the client 170 inputs his / her desired service and the conditions presented by the client 170. The function to check whether the acceptance of the process, and the details of the issuance condition processing is stored in the issuance condition database 150.

In addition, the (credit) card issuance conditions include the annual fee of the (credit) card issued and the number of issuances, such as when the issue is possible, and the number of issuances. It may be determined through the Q & A process between the client 170 and the issuing server 100, or the like.

The product classification unit 120 functions to classify and store each (credit) card to be issued by a plurality of clients 170, and the classified (credit) cards are issued by the issue condition processor 115, etc. Issuance is judged based on the criteria. In addition, the product classification unit 120 serves to database the products classified in association with the card product database 155.

The issue review unit 125 refers to the issuance request quantity of each of the classified (credit) cards and personal information (such as a minor or a bad credit person) input by each client 170, and if the issue request exceeds a certain limit, Issuing a (credit) card, such as to determine whether the client (170) card issuance (credit) and to handle the process.

Issuing unit 130 serves to issue the card to the client 170 issuance of the (credit) card through the issue screening unit.

The member information manager 135 includes a personal information database 160, and the personal information necessary for issuing a (credit) card is basically recorded.

The propensity analysis unit 140 refers to the services included in the (credit) card selected by the client 170 that is allowed to issue, and analyzes the personal preferences of each client 170, and analyzes the propensity data. Is stored in the propensity analysis database 165.

The AS provider 145 functions to provide differentiated services to the client 170 in which the propensity analysis is completed.

In the case of the existing (credit) card issuance, the differentiated service means that the client 170 selects a small number of card products designated by the (credit) card issuing agency, thereby allowing the client 170 to select a card suitable for his or her taste. There is a tendency to choose a card that is relatively most advantageous than the choice of. For example, the use of A card is defined as' use of amusement park, state discount, flower delivery service, ... ', etc., and B card is' movie discount, sports discount, transportation card, ... ` When there is an arbitrary client 170 who wants a service such as 'use amusement park, movie discount, fueling discount' and the like, when the use service is determined, the client 170 selects an A card to save a movie. Will not be provided. Therefore, the client 170 is not selected by the client 170, such as amusement park, gas discount, flower delivery service, etc., according to the present invention, the client 170 is a service desired by the client. You can make your own decision, so a more reliable personality analysis is done.

The AS provider 145 may provide the client 170 with information about appropriate DM shipments, related products and items when the reliable personality analysis is performed, and each client 170 prefers them. Aggregation of items can provide a source of new item development for items with high preference.

According to the present invention, a plurality of clients 170 apply for a (credit) card that includes the service desired by the client, and the (credit) card exceeds the appropriate number of issuances, etc. presented in the issuance conditions of the issuing server 100. By issuing a case, the client 170 can be issued by applying for a (credit) card for the service desired by the client, and also issued with the client 170 of the same taste as the person, so Make adjustments possible.

In addition, the issuing server 100 can more accurately grasp the taste of the client 170, can provide a differentiated and carefully selected personal service, it is possible to secure the card user membership.

Figure 2 is a simple flow diagram illustrating the overall process of implementing the present invention.

A plurality of clients 170 are connected to the customer-based (credit) card issuing server 100 to input the desired service to be included in the (credit) card to be issued (200), the issuing server 100 is The client 170 checks whether it is an unspecified majority or a specific community (205).

The unspecified majority refers to a general individual, and the unspecified majority refers to a specific group or community having common interests. In the case of a specific community (210), it is necessary to confirm that the identification is necessary because the logo or image, which means the specific community, can be inserted on the (credit) card to be issued.

If the connected client 170 is not an unspecified individual but a specific community, it is described through A of FIG. 3 below. If the accessed client 170 is an unspecified individual (215), the card selected by the client 170 is determined. The condition for issuance is presented (220).

The issuance conditions may include the annual fee, the minimum number of purchases, etc. according to the card, which may be determined according to the service selected by the client 170 and the terms of the card issuer.

The issuing server 100 checks whether the client 170 accepts the conditions according to the issuance of the card selected by the client 170 (225). If the client 170 accepts the 230 (230), the client 170 To store the (credit) card to be issued, at this time stores the same card (235). However, if the client 170 does not accept the presented condition (240), the issuing server 100 requests the selection of a new card and if the client 170 accepts it (245), the process is executed. Repeat, otherwise (250) the process ends.

When the (credit) cards to be issued by the plurality of clients 170 are each classified, the issuing server 100 determines the issue request quantity of each (credit) card and determines whether to issue (255). If it does not reach the issueable quantity (260) can be waited until the issueable quantity (265), if possible is issued (270) will be described below through the following process through FIG.

FIG. 3 is a simple flowchart illustrating an issuing process for a case where a client 170 wishing to issue a card in the process of FIG. 2 is a specific community or a community having a common interest.

If the client 170 that wants to issue a card is confirmed that the particular community (300), the issuing server 100 will present the conditions (yearly fee calculation, number of issues, etc.) for issuing the card selected by the community (305) If the community accepts the condition (310), it stores the data containing the information of the (credit) card to be issued (315).

The issuing server 100 checks the issuance request quantity and the like with reference to the data (320) and receives a design (including a logo, text and image) that can be expressed on the (credit) card desired by the specific community (325). When the input for the design is completed, the issuing server 100 causes the community to issue a card (330).

4 is a simple flowchart showing the process after issuing a (credit) card in the process of FIG.

2 and 3, when the card issuance is completed to the corresponding client 170 (400), at the same time, the issuing server 100 checks the services included in the (credit) card selected by each client 170. In step 405, the personality of each client 170 is determined (410). When the identification of the personal propensity for each client 170 is completed, data on the development of a new product or the like is generated by referring to the differentiated service provision and the propensity analysis data to the corresponding client 170 (415).

Differentiated service means all services that can be provided by referring to more accurate and reliable personal propensity information different from the existing one as described above, and this is possible through issuance of a customer-based (credit) card according to the present invention. Unlike the conventional client 170, the client 170 directly selects the desired service to be issued his own card by having a unique card compared to other clients 170, the card issuer is a client ( By providing the card with the desired service to 170, the card usage of the client 170 can be further enhanced.

In addition, the client 170 may take advantage of the card annual fee and the like by issuing the card with another client 170 having the same taste.

5 is an example of a simple web browser in which the client 170 selects the services that can be included in the (credit) card to be issued by the client 170.

According to the present invention, the client 170 can receive a card suitable for the user, unlike the existing one-sided card product, by selecting a desired service that the user wants to the (credit) card to be issued.

In this drawing, the client 170 selects when the client 170 provides various items that can be selected by the issuing server 100. However, the present invention is not limited thereto, and the client 170 may directly present a desired service. It may be possible.

When the client 170 selects a car item, details of the car-related service items (eg, points earned or discountable gas stations, etc.) are presented, and the client 170 can select ones suitable for the user. have.

6 is an example of a simple web browser screen in which the client 170 checks the issueable quantity of the card selected by the client 170.

In the present invention, the client 170 may be issued when the card selected by the client satisfies the issuance quantity presented by the issuing server 100, and the drawing is in contrast with the allowable number of cards issued by the client 170 by the client. This is a web browser screen to check the current application quantity.

Since it is virtually impossible for each client 170 to individually issue a (credit) card containing the desired services to each client 170, select the same (credit) card as the card of your choice as in the present invention. When the sum of the clients 170 to exceed the minimum issuance quantity can be issued in a batch.

5 and 6 illustrate a process of accessing a client using a wired internet network to assist in understanding the present invention. The present invention is not limited thereto and can achieve the object of the present invention through a wireless internet network. Reveals.

According to the present invention, the client can obtain a (credit) card including the services desired by the client with a plurality of other clients, and can adjust the annual fee accordingly.

In addition, the card issuer is able to secure a large number of card members at the same time because the issuing of the card at the same time, the card includes the services desired by the client has the advantage of more accurate client propensity analysis.

Claims (12)

Data receiving means for receiving desired service item data to be included in a card from a plurality of clients; Classification / storing for determining desired service item data received from the plurality of clients, forming a group in which desired service item data matches, and classifying and storing an issue target card to be issued to a group in which desired service item data matches. Way; Counting means for counting the number of issuance requests for the classified and stored issue card; And A card that checks whether the counting data satisfies the quantity according to the card issuance criteria, and if the quantity is satisfactory, the card to be issued to a plurality of clients who have transmitted the desired service item data included in the issue target card. Customer-based (credit) card providing system, characterized in that comprises; issuance check means; delete delete delete The method of claim 1, And a means for receiving design data to be included on the issue target card from the specific community or community when the plurality of clients included in the group in which the desired service item data coincide is a specific community or community. Customer-based (credit) card provision system. delete delete The method of claim 1, wherein the card, Card company credit card, bank company credit card, customer-type (credit) card providing system, characterized in that it comprises at least one or more of the digital type card and IC card distributed on wired and wireless online. delete delete delete delete

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