KR101238635B1 - Card member management apparatus, communication subscriber management apparatus, selective advertisement apparatus, card advertisement system, and card advertisement method - Google Patents

Abstract

The present invention relates to a card member management device, a communication subscriber management device, a screening advertisement device, a card advertisement system and a method. Generating credit card information by evaluating the creditworthiness of the same member as the user among the card members; and when the comprehensive credit rating based on the communication service credit information and the credit card information meets the preset criteria, And providing the card-related advertisement information to users who have passed their own credit ratings, so that the user who receives the advertisement information can at least issue a card, so that the card-related advertisement information is provided. As a source of pollution or advertising pollution By minimizing the risk that is providing the card-related advertising information by selecting a card based on the communication service orientation and card orientation, itgie the user may be interested in advertising information has the advantage that improves the usefulness of the advertising information.

Description

CARD MEMBER MANAGEMENT APPARATUS, COMMUNICATION SUBSCRIBER MANAGEMENT APPARATUS, SELECTIVE ADVERTISEMENT APPARATUS, CARD ADVERTISEMENT SYSTEM, AND CARD ADVERTISEMENT METHOD}

The present invention relates to a card advertisement for transmitting card-related advertising information, and more particularly to a card advertising system for transmitting card-related advertising information to users who have passed their own credit rating and performing the card advertising through the same. A method, a card member management device, a communication subscriber management device, and a selective advertisement device capable of configuring such a system.

As is well known, as the card infrastructure grows, cards (eg, credit cards, etc.) are in the spotlight as indirect payment methods that replace cash (or checks).

These cards are released in various forms such as credit cards, check cards, and debit cards, and the most widely used credit cards use credit settlement. Credit settlement means that the credit card member receives goods or services from the merchants recruited by the credit card company with the credit card company's credit, and pays the use fee to the credit card company on the subsequent payment date. A payment method that receives payment for goods or services from a credit card company.

Credit cards, etc., can be conveniently paid online, especially in the offline market, due to the advantages of reducing the inconvenience of having to carry a small amount of cash (or checks), etc. have.

In addition, when using the card, transaction details are transparently disclosed to prevent tax portals, so the use of the card is widely promoted nationally, so each credit card company makes a lot of efforts to secure membership and performs numerous advertisements. Doing.

However, such a card advertisement may act as a factor causing advertisement flood or advertisement pollution.

In particular, as described above, credit cards can be issued only when the credit rating satisfies the set level due to the characteristics of using the credit settlement. As a result, card advertisements provided to users whose credit rating does not meet the set level are pollutants. There was a functioning problem.

The present invention has been proposed to solve the problems of the prior art, by providing a card-related advertising information to users who have passed their own credit rating to minimize the risk of acting as a source of advertising flood or advertising pollution.

The present invention further improves the usefulness of advertisement information by selecting a card based on a communication service usage tendency and a card usage tendency and providing card related advertisement information.

A card advertising system according to the first aspect of the present invention is a communication subscriber management device that transmits communication service credit information by evaluating the creditworthiness of the same subscriber as the user of the user communication device among the communication service subscribers, and the same as the user among the card members. A card member management device that evaluates a member's credit rating and transmits card credit information, and if the received communication service credit information and the comprehensive credit rating based on the card credit information meet predetermined criteria, the card-related advertisement information is transmitted to the user. It may include a selective advertisement device for transmitting to the device.

The communication subscriber management apparatus transmits communication use tendency information together with the communication service credit information, the card member management apparatus transmits card use tendency information together with the card credit information, and the selective advertisement device is configured to: The consumption log of the user may be generated based on communication use tendency information and the card use tendency information, and the card related advertisement information may be transmitted in consideration of the consumption log.

According to a second aspect of the present invention, there is provided a method of advertising a card by a card advertising system, the method comprising: generating communication service credit information by evaluating a credit rating of a subscriber identical to a user of a user communication device among communication service subscribers; Generating credit card information by evaluating the credit rating of the same member; and providing card-related advertisement information to the user when the comprehensive credit rating based on the communication service credit information and the card credit information meets a predetermined criterion. It may include.

The card advertisement method may further include: generating usage tendency information by diagnosing communication service usage tendency of the same subscriber, generating usage tendency information by diagnosing card usage tendency of the same member; Selecting one or more cards from a plurality of types of cards based on the information and the usage tendency information, and generating selection card information, wherein the providing to the user comprises: relating to the cards based on the selection card information. Advertisement information can be provided.

The card advertising method may further include generating consumption logs by diagnosing usage tendency information of the same subscriber as the user of the user communication device among the communication service subscriber and the card member, and generating the consumption information related to the card. The providing to the user may provide the card related advertisement information in consideration of the consumption log.

The card advertisement method may further include generating store information within a set radius at the current location of the user based on location-based information, identifying a card not owned by the user based on the consumption log, and storing the store information. And selecting a card for which a discount service or a point earning service is provided based on the non-retained recommendation card information as the card-related advertisement schedule.

As a third aspect of the present invention, a card member management apparatus includes a member information storage unit for storing card member information, a usage history storage unit for storing card usage history information, and a card information storage unit for storing a plurality of types of card information And a member evaluation processing unit for generating and transmitting card credit information by evaluating creditworthiness of the same member as the user of the user communication device among card members based on the previously stored card member information, and based on the previously stored card usage history information. A use tendency diagnosis unit for generating use tendency information by diagnosing the use tendency of the same member, and selecting one or more cards from among a plurality of types of cards according to the previously stored card information based on the use tendency information to select selection card information; It may include a card sorting processing unit for generating and transmitting.

Here, the card sorting processing unit may generate the sorting card information based on communication service use tendency information and the use tendency information of the same communication service subscriber as the user.

As a fourth aspect of the present invention, a communication subscriber management apparatus includes a subscriber information storage unit for storing subscriber information of a communication service, a usage history storage unit for storing usage history information of the communication service, and based on the previously stored subscriber information. And a subscriber evaluation processing unit for generating and transmitting communication service credit information by evaluating the creditworthiness of the same subscriber as the user of the user communication device among the subscribers, and diagnosing the use tendency of the same subscriber based on the stored usage history information. It may include a tendency diagnosis unit for generating and transmitting information.

As a fifth aspect of the present invention, a selective advertisement device evaluates a comprehensive credit rating based on communication service credit information of a subscriber identical to a user of a user communication device among communication service subscribers and card credit information of a member identical to the user among card members. And a user evaluation processor configured to generate comprehensive credit information, and an advertisement processor configured to generate and transmit card-related advertisement information based on pre-stored advertisement information when the comprehensive credit information satisfies predetermined criteria.

Here, the advertisement processor may generate the card-related advertisement information based on the selection card information based on the communication service usage tendency and the card usage tendency.

The user evaluation processing unit diagnoses the usage tendency information of the same subscriber as the user of the user communication device among the communication service subscriber and the card member, and generates a consumption log, and the advertisement processing unit is related to the card in consideration of the consumption log. Advertisement information can be provided.

The screening advertisement device generates a location information store by extracting store information within a set radius from the current location of the user from a store information storage unit for storing location based store information, and the store information. And a card recommendation processing unit which selects a card provided with a discount service or a point earning service based on the card, and provides card recommendation information, wherein the advertisement processing unit identifies a card not owned by the user based on the consumption log. In addition, based on the store information, a card that provides a discount service or a point earning service may be selected to provide the unowned recommendation card information as the card-related advertisement routine.

According to an embodiment of the present invention, by providing card-related advertisement information to users who have passed their own credit rating, the user who is provided with the advertisement information can at least issue a card, so the card-related advertisement information is advertised. The risk of being a source of flooding or advertising pollution is minimized.

In addition, by selecting a card based on a communication service use tendency and a card use tendency, the card-related advertisement information is provided, so that the user may be interested in the advertisement information, thereby improving the usefulness of the advertisement information.

1 is a block diagram of a card advertising system according to a first embodiment of the present invention.
2 is a block diagram of a card member management apparatus according to a first embodiment of the present invention.
3 is a block diagram of a communication subscriber management apparatus according to a first embodiment of the present invention.
4 is a block diagram of a screening advertisement device according to a first embodiment of the present invention.
5 is a flowchart illustrating a screening advertisement method according to a first embodiment of the present invention.
6 is a block diagram of a card advertising system according to a second embodiment of the present invention.
7 is a block diagram of a screening advertisement device according to a second embodiment of the present invention.
8 is a flowchart illustrating a screening advertisement method according to a second embodiment of the present invention.
9 is a view showing a card recommendation example screen according to a second embodiment of the present invention.
10 is a view showing an example of a non-holding recommendation card according to a second embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus so that the instructions, which may be executed by a processor of a computer or other programmable data processing apparatus, And means for performing the functions described in each step are created. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

<First Embodiment>

1 is a block diagram of a card advertising system according to a first embodiment of the present invention.

As shown in the drawing, the card advertisement system may include a card member management apparatus 100, a communication subscriber management apparatus 200, a selective advertisement apparatus 300, a user communication apparatus 400, and the like.

The card member management apparatus 100 generates and transmits card credit information by evaluating the creditworthiness of the same member as the user among the card members, diagnoses the card use tendency of the same member, generates the use tendency information, and the generated tendency to use the card. Based on the information and the communication subscriber usage tendency information generated by the communication subscriber management apparatus 200, one or more cards are selected from a plurality of types of cards to generate and transmit selection card information. Detailed components of the card member management apparatus 100 will be described with reference to FIG. 2 below.

The communication subscriber management apparatus 200 generates and transmits communication service credit information by evaluating the creditworthiness of the same subscriber as the user among the communication service subscribers, and generates and transmits the use tendency information by diagnosing the communication service usage tendency of the same subscriber. Detailed components of the communication subscriber management apparatus 200 will be described with reference to FIG. 3 below.

The screening advertisement device 300 generates a comprehensive credit rating based on the communication service credit information received from the communication subscriber management apparatus 200 and the card credit information transmitted from the card member management apparatus 100, and the generated comprehensive credit rating is used. If it satisfies the setting criteria, the card-related advertisement information is transmitted to the user communication device 400 based on the selection card information received from the card member management apparatus 100. Detailed components of the selective advertisement device 300 will be described with reference to FIG. 4 below.

2 is a block diagram of a card member management apparatus according to a first embodiment of the present invention.

As shown in the drawing, the card member management apparatus 100 includes a member evaluation processing unit 110, a usage tendency diagnosis unit 120, a card selection processing unit 130, a member information storage unit 140, and a usage history storage unit 150. , Card information storage unit 160, and the like.

The member information storage unit 140 stores card member information, the usage history storage unit 150 stores card usage history information, and the card information storage unit 160 stores a plurality of types of card information.

The member evaluation processing unit 110 generates and transmits card credit information by evaluating the credit rating of the same member among the card members based on the card member information previously stored in the member information storage unit 140.

The use tendency diagnosis unit 120 generates use tendency information by diagnosing the use tendency of the same member as the user based on card use history information previously stored in the use history storage unit 150.

The card sorting processor 130 generates and transmits sorting card information by selecting one or more cards from a plurality of types of cards according to card information previously stored in the card information storage unit 160 based on the usage tendency information. The card sorting processor 130 may generate sorting card information based on communication service use tendency information and use tendency information of the same communication service subscriber as the user.

3 is a block diagram of a communication subscriber management apparatus according to a first embodiment of the present invention.

As described above, the communication subscriber management apparatus 200 may include a subscriber evaluation processor 210, a usage propensity diagnosis unit 220, a subscriber information storage unit 230, a usage history storage unit 240, and the like.

The subscriber information storage unit 230 stores subscriber information of the communication service, and the usage history storage unit 240 stores usage history information of the communication service.

The subscriber evaluation processing unit 210 generates and transmits communication service credit information by evaluating the credit rating of the same subscriber as the user among the subscribers based on the subscriber information previously stored in the subscriber information storage 230.

The use tendency diagnosis unit 220 generates and transmits the use tendency information by diagnosing the use tendency of the same subscriber as the user based on the use history information previously stored in the use history storage 240.

4 is a block diagram of a selective advertisement device according to a first embodiment of the present invention.

As shown in this, the screening advertisement device 300 may include a user evaluation processor 310, an advertisement processor 320, a user information storage 330, an advertisement information storage 340, and the like.

The user evaluation processing unit 310 generates a comprehensive credit information by evaluating the comprehensive credit rating based on the communication service credit information of the same subscriber among the communication service subscribers and the card credit information of the same member among the card members.

The user information storage unit 330 stores comprehensive credit information.

The advertisement information storage unit 340 stores advertisement information.

The advertisement processing unit 320 generates and transmits card-related advertisement information based on the advertisement information previously stored in the advertisement information storage unit 340 when the comprehensive credit information meets preset criteria. The advertisement processor 320 may generate card-related advertisement information based on the selection card information generated by the card member management apparatus 100 based on the communication service use tendency and the card use tendency.

5 is a flowchart illustrating a screening advertisement method according to a first embodiment of the present invention.

As described above, the selective advertisement method of the present invention includes the steps of generating the communication service credit information by evaluating the creditworthiness of the same subscriber among the communication service subscribers (S501 to S505), and using the same subscriber as the user. Diagnosing and generating usage tendency information (S507), generating credit card information by evaluating credit ratings of the same member among the card members (S509 to S513), and diagnosing card usage tendency of the same member as the user; Generating usage tendency information (S515), and generating selection card information by selecting one or more cards from a plurality of types of cards based on the communication service usage tendency information and the card usage tendency information (S517); Selected if comprehensive credit rating based on service credit card and credit card information meets preset criteria Based on the card information and may include a step (S519 to S525), such as to provide a card-related advertisement information to the user.

Hereinafter, the card member management apparatus 100, the communication subscriber management apparatus 200, the screening advertisement apparatus 300, the user communication apparatus 400, and the like according to the first embodiment of the present invention will be described with reference to FIGS. 1 to 5. The card advertising process by the card advertising system will be described in time series.

First, a procedure for agreeing a user evaluation, for example, a credit rating and use of information thereof, is performed between the selective advertisement device 300 and the user communication device 400. This may be performed through an information transmission / reception procedure between the selective advertisement apparatus 300 and the user communication apparatus 400, and the corresponding information may be input to the selective advertisement apparatus 300 by an offline consent procedure (S501).

Thereafter, the user evaluation processing unit 310 of the screening advertisement device 300 requests the communication subscriber management device 200 to evaluate the communication service subscriber (S503), and the subscriber evaluation processing unit 210 stores the subscriber information storage 230. Based on the subscriber information stored in advance, credit information of the same subscriber among users is evaluated to generate credit information of a communication service. For example, the creditworthiness of the subscriber may be evaluated based on whether or not the communication service fee is overdue (S505).

In addition, the use tendency diagnosis unit 220 of the communication subscriber management apparatus 200 generates the use tendency information by diagnosing the use tendency of the same subscriber as the user based on the use history information previously stored in the use history storage unit 240. . For example, the usage tendency of the subscriber may be diagnosed based on the usage rate for each content type (S507).

The communication service credit information and the usage tendency information thus generated are transmitted from the communication subscriber management apparatus 200 to the select advertisement device 300 (S509).

The user evaluation processing unit 310 of the screening advertisement device 300 requests the card member management device 100 to evaluate the card member (S511), and the member evaluation processing unit 110 of the card member management device 100 stores the member information. Based on the card member information previously stored in the storage unit 140, credit card information of the same member as the user is evaluated to generate card credit information. For example, the creditworthiness of the member may be evaluated based on whether or not the credit card payment is overdue (S513).

In addition, the use tendency diagnosis unit 120 of the card member management apparatus 100 may generate use tendency information by diagnosing the use tendency of the same member as the user based on the card use history information previously stored in the use history storage unit 150. do. For example, the use propensity information may be diagnosed based on the utilization rate by the affiliated store business type (S515).

In addition, the card selection processing unit 130 of the card member management apparatus 100 is one of a plurality of cards according to the card information previously stored in the card information storage unit 160 based on the communication service use tendency information and the card use tendency information. The above cards are sorted to generate sorted card information. For example, a user's interest field may be estimated based on communication service use tendency information and card use tendency information, and a card that may be provided with a discount or points when purchasing goods or services of the estimated interest field may be selected (S517). .

The card credit information and the selection card information generated as described above are transferred from the card member management device 100 to the selection advertisement device 300 (S519).

The user evaluation processing unit 310 of the screening advertisement device 300 collects the communication service credit information received from the communication subscriber management device 200 and the card credit information received from the card member management device 100 to evaluate the comprehensive credit rating. Generate comprehensive credit information, which is stored in the user information storage 330.

In addition, the advertisement processing unit 320 of the selective advertisement device 300 determines whether the comprehensive credit information satisfies a predetermined standard, and determines whether the comprehensive credit rating of the user of the user communication device 400 satisfies a condition for issuing a card. In operation S521, when the comprehensive credit rating of the user satisfies the condition, the card-related advertisement information is generated based on the advertisement information previously stored in the advertisement information storage unit 340. For example, the card-related advertisement information may be generated as customized advertisement information based on the selection card information generated by the advertisement sorting apparatus 300 (S523).

Finally, the screening advertisement device 300 transmits the generated card-related advertisement information to the user communication device 400, the user communication device 400 outputs the received card-related advertisement information to the outside via a screen or the like ( S525).

&Lt; Embodiment 2 >

6 is a block diagram of a card advertising system according to a second embodiment of the present invention.

As shown therein, the card advertisement system includes a card member management apparatus 100, a communication subscriber management apparatus 200, a user communication apparatus 400, an information collection apparatus 600, a location based information providing apparatus 700, and selective advertisement. Device 800 and the like.

The card member management apparatus 100 provides card credit information and card usage propensity information which evaluates the credit rating of the same member among the card members as the user of the user communication device 400.

The communication subscriber management apparatus 200 provides communication service credit information and communication usage tendency information that evaluates the credit rating of the same subscriber among the communication service subscribers as the user of the user communication device 400.

The information collecting device 600 collects card usage tendency information and card credit information from the card member management device 100 and the communication subscriber management device 200, and provides the card advertisement management information to the selective advertisement device 800. ) Collects the credit information of the communication service and the propensity to use the communication to provide the selected advertisement device 800.

The location-based information providing apparatus 700 may provide location-based information corresponding to a user's consumption log generated by the screening advertisement device 800 and may provide location-based store information.

The screening advertisement device 800 generates a consumption log of the user based on the communication use tendency information and the card use tendency information, and if the comprehensive credit rating based on the communication service credit information and the card credit information meets the preset criteria, the consumption log is generated. The card related advertisement information is transmitted to the user communication device 400. In addition, the screening advertisement device 800 generates store information within a set radius at the current location of the user communication device 400 based on the location-based information, and identifies a card not owned by the user based on the consumption log. Based on the store information, recommendation card information or non-retained recommendation card information generated by selecting a card provided with a discount service or a point earning service may be transmitted as an advertisement related to the card.

7 is a block diagram of a selective advertisement device according to a second embodiment of the present invention.

As shown in this, the selective advertisement device 800 includes a user evaluation processor 810, an advertisement processor 820, a user information storage unit 830, an advertisement information storage unit 840, a store information storage unit 850, and a card. The recommendation processor 860 may be included.

The user evaluation processing unit 810 diagnoses the use tendency information of the same subscriber among the communication service subscribers and the card members and generates consumption logs for each user. Determine if it meets the setting criteria.

The advertisement processing unit 820 provides the card-related advertisement information in consideration of the consumption log when the comprehensive credit rating satisfies the setting criteria, identifies the card not owned by the user based on the consumption log, and discounts or points based on the store information. Cards for which the accumulated service is provided are selected to provide the unowned recommendation card information as a card-related advertisement schedule.

The user information storage unit 830 stores the consumption log for each user generated by the user evaluation processing unit 810.

The advertisement information storage unit 840 stores the non-retained recommendation card information generated by the advertisement processing unit 820.

The store information storage unit 850 stores location based store information.

The card recommendation processing unit 860 extracts store information within a set radius from the user's current location from the store information to generate location-based store information, and selects a card for which a discount service or point earning service is provided based on the store information. Provide card recommendation information.

Although the main functions of the individual components constituting the card advertisement system and the individual components constituting the screening advertisement device 800 have been described above with reference to FIGS. 6 and 7, they have been described in detail according to the first embodiment of the present invention. Among the individual components constituting the advertisement system and the selective advertisement apparatus, the corresponding components may perform functions, which can be understood from the following description.

8 is a flowchart illustrating a screening advertisement method according to a second embodiment of the present invention.

As described above, the selective advertisement method of the present invention comprises the steps of (S901 to S909) generating the consumption log by diagnosing the use tendency information of the same subscriber among the communication service subscriber and the card member (S901 to S909), and based on the location-based information. Providing the store information within the set radius at the current location of (S911 to S921), and providing a recommendation card information by selecting a card that is provided discount services or points earning services based on the store information (S923 to S929) ), And determining whether the total credit rating based on the communication service credit and the card member credit of the same subscriber meets the preset criteria (S931), and if the comprehensive credit rating satisfies the preset criteria, the user does not possess it based on the consumption log. Identify a credit card that you haven't purchased yet, and can also Steps (S933 to S937) provided by Suga selected by miboyu like card information to the card-related ads jeongro the card is provided, and the like.

Hereinafter, the card member management apparatus 100, the communication subscriber management apparatus 200, the screening advertisement apparatus 300, the user communication apparatus 400, and the like according to the second embodiment of the present invention will be described with reference to FIGS. 6 to 10. The card advertising process by the card advertising system will be described in time series.

First, the information collecting device 600 receives the user's card use tendency information from the card member management apparatus 100 (S901) and also receives the user's communication use tendency information from the communication subscriber management apparatus 200 (S903). By using the collected information on the user's propensity (S905), and transmits the collected usage propensity information to the screening advertisement device (800) (S907).

The user evaluation processing unit 810 of the screening advertisement device 800 receives and accumulates the usage tendency information of the users from the information collecting device 600, credit card holding information, card usage history information, cash receipt usage history information, etc. for each user. The usage pattern is diagnosed to generate a consumption log, and the generated user consumption log is stored in the user information storage 830 (S909).

In addition, the user evaluation processing unit 810 of the screening advertisement device 800 may request the location-based information providing apparatus 700 for location-based information corresponding to the consumption log in order to associate the user-specific consumption log with the location information. When the base information providing apparatus 700 transmits the location-based information (S911), the base information providing apparatus 700 receives the location-based information, accumulates the location-based information associated with the consumption log for each user, and stores the accumulated location-based information in the user information storage unit 830. (S913).

Meanwhile, a user of the user communication device 400 may select a card recommendation service by selecting a predetermined button or menu, and the user communication device 400 transmits a card recommendation service request message to the selective advertisement device 800. do. For example, the user may request a card recommendation service by selecting a business classification menu 1107 on the card recommendation example screen 1100 of FIG. 9 (S915).

When the card recommendation processing unit 860 of the screening advertisement device 800 receives a card recommendation service request message, the card recommendation processing unit 860 stores a store within a set radius at a current location of the user communication device 400 among store information previously stored in the store information storage unit 850. Extract location information to generate location-based store information. If the store information is not stored in the store information storage unit 850 in advance, the store information storage unit 850 may acquire location information from the location-based information providing apparatus 700 in real time to generate location-based store information (S917).

The card recommendation processing unit 860 of the screening advertisement device 800 transmits the adjacent store information to the user communication device 400 (S919), and the user communication device 400 displays the received adjacent store information as a screen. In operation S921, when the user selects a specific store on the display screen, store selection information is transmitted to the selection advertisement device 800 (S923).

The card recommendation processor 860 of the screening advertisement device 800 receives the store selection information, and reads the consumption log of the corresponding user from among the consumption logs for each user previously stored in the user information storage unit 830 and based on the consumption log. The card recommendation information is generated by selecting a card provided with a discount service or a point earning service from a selected store among the cards possessed by the user (S925), and transmitting the generated card recommendation information to the user communication device 400 (S927). ).

The user communication device 400 receives card recommendation information from the select advertisement device 800 and displays the received card recommendation information on a screen so that the user can recognize the card recommendation information. For example, in the “coffee shop 1” selected by the user on the card recommendation example screen 1100 of FIG. 9, a card providing a discount service or a point earning service may be displayed through the card recommendation window 1109 (S929). In FIG. 9, reference numeral 1101 denotes address information of the current location, 1103 denotes the current location of the user, 1105 denotes a radius for providing store information, and 1111 denotes a store around the current location. It is.

Next, the screening advertisement device 800 evaluates the creditworthiness of the user of the user communication device 400 by transmitting and receiving information between the communication subscriber management device 200, the card member management device 100, and the information collecting device 600. (S931). Step S931 of the present embodiment corresponds to steps S503 to S521 of the first embodiment described above.

In step S931, the user evaluation processing unit 810 of the selective advertisement device 800 aggregates the communication service credit information received from the communication subscriber management device 200 and the card credit information received from the card member management device 100. The credit rating is evaluated to generate comprehensive credit information, which is stored in the user information storage 830.

In addition, the advertisement processor 820 of the screening advertisement device 800 determines whether the comprehensive credit information satisfies a predetermined standard, and determines whether the comprehensive credit rating of the user of the user communication device 400 satisfies a condition for issuing a card. If the user's comprehensive credit rating satisfies the condition, he selects the non-owned card as an advertisement target, and selects a card with excellent discount service or earned service from the non-owned card that the user does not possess and guides it with the recommended store information. A non-reserved card recommendation service can be provided.

To this end, the advertisement processing unit 820 of the screening advertisement device 800 screens a card that is provided with a discount service or points earning service at a store within a set radius among the cards not owned by the user based on the consumption log of the user. The non-retained recommendation card information is generated (S933), and the generated non-retained recommendation card information is stored in the advertisement information storage unit 840 and transmitted to the user communication device 400 (S935).

The user communication device 400 receives the non-retained recommendation card information from the selective advertisement device 800 and displays the received non-retained recommendation card information on the screen so that the user can recognize it. For example, the non-retained recommendation card information screen 1200 of FIG. 10 may display the non-retained recommendation card information through the non-retained card recommendation window 1207 (S937). In FIG. 10, reference numeral 1201 denotes a recommended store, 1203 denotes address information of a recommended store, and 1205 denotes a recommendation card among cards owned by the user.

In addition, steps S933 to S937 may be performed in the case where the evaluated credit rating satisfies the setting condition after evaluating the user's credit rating in step S931 as in the above-described embodiment, but continues after step S929 without performing step S931. It can also be done with

Card advertisement method according to embodiments of the present invention can be written in a computer program. The code and code segments that make up this computer program can be easily deduced by a computer programmer in the field. In addition, the computer program is stored in a computer readable medium (computer readable medium), a computer or a communication subscriber management device, card member management device, screening advertisement device, user communication device, etc. according to an embodiment of the present invention It can be implemented by reading and executing the card advertising method. The information storage medium includes a magnetic recording medium, an optical recording medium and a carrier wave medium. A computer program implementing the card advertisement method according to an embodiment of the present invention may be stored and installed in an internal memory of a user communication device. Alternatively, an external memory such as a smart card (eg, a subscriber identity module) that stores and installs a computer program for implementing a card advertisement method according to an embodiment of the present invention may be installed in a user communication device through an interface.

According to an embodiment of the present invention, the card-related advertisement information is provided to users who have passed their own credit rating, and the card-related advertisement information may be provided by selecting the card based on the communication service usage tendency and the card usage tendency. Can be. Therefore, when applied to an online or offline card issuing system, a card issuing related advertisement providing system, etc., it is possible to increase the efficiency of the advertisement.

100: card member management device 110: member evaluation processing unit
120: propensity to use diagnostic unit 130: card sorting processing unit
140: member information storage unit 150: usage history storage unit
160: card information storage unit 200: communication subscriber management device
210: subscriber evaluation processing unit 220: use propensity diagnosis unit
230: subscriber information storage unit 240: usage history storage unit
300, 800: screening advertisement device 310, 810: user evaluation processing unit
320, 820: advertising processing unit 330, 830: user information storage unit
340, 840: advertising information storage unit 400: a user communication device
600: information collecting device 700: location-based information providing device
850: store information storage unit 860: card recommendation processing unit

Claims (13)

A communication subscriber management device that transmits communication service credit information by evaluating the creditworthiness of the same subscriber as the user of the user communication device among the communication service subscribers;
A card member management device that transmits card credit information by evaluating the credit rating of the same member as the user among the card members;
And a selective advertisement device configured to transmit card-related advertisement information to the user communication device when the received communication service credit information and the comprehensive credit rating based on the card credit information meet predetermined criteria.
The screening advertisement device is configured to generate comprehensive credit information by evaluating a comprehensive credit rating based on the communication service credit information of the same subscriber as the user among the communication service subscribers and the card credit information of the same member as the user among the card members. An evaluation processing unit,
If the comprehensive credit information meets the predetermined criteria, the user checks the store information within the set radius at the user's current location, and then the user holds a card provided with a discount service or a point earning service based on the store information. And an advertisement processor that selects among the cards that are not and generates card-related advertisement information for the selected cards and transmits the card-related advertisement information to the user communication device.
Card advertising system. The method of claim 1,
The communication subscriber management apparatus transmits communication use tendency information together with the communication service credit information,
The card member management apparatus transmits card use tendency information together with the card credit information,
The selective advertisement device generates a consumption log of the user based on the communication use tendency information and the card use tendency information, and transmits the card related advertisement information in consideration of the consumption log.
Card advertising system. A user evaluation processing unit for generating comprehensive credit information by evaluating the comprehensive credit rating based on the communication service credit information of the same subscriber as the user of the user communication device and the card credit information of the same member as the user among the communication service subscribers; If the comprehensive credit information meets the preset criteria, the user does not have a card for which discount service or point earning service is provided based on the store information after checking the store information within the set radius at the current location of the user. A card advertisement method according to a card advertisement system comprising a selection advertisement device including an advertisement processing unit which selects out of the cards and generates card-related advertisement information for the selected cards and transmits the generated card related advertisement information to the user communication device.
Generating a communication service credit information by evaluating the creditworthiness of the same subscriber as the user of the user communication device among the communication service subscribers;
Generating credit card information by evaluating the credit rating of the same member as the user among the card members;
When the comprehensive credit rating based on the communication service credit information and the card credit information satisfies a preset criterion, checking store information within a set radius at the current location of the user;
Generating card-related advertisement information for the selected cards by selecting a card provided with a discount service or a point earning service based on the store information from a card not owned by the user;
Providing the generated card-related advertisement information to the user.
Card advertising method. The method of claim 3, wherein
The card advertising method,
Diagnosing a communication service use tendency of the same subscriber to generate use tendency information;
Diagnosing card use tendency of the same member to generate use tendency information;
Selecting any one of the cards not owned by the user from among a plurality of types of cards based on the use tendency information and the use tendency information;
Card advertising method further comprising. The method of claim 3, wherein
The card advertising method,
Diagnosing usage tendency information of the same subscriber as the user of the user communication device among the communication service subscriber and the card member, and generating a consumption log;
Providing the card-related advertisement information to the user,
Providing the card-related advertising information in consideration of the consumption log
Card advertising method. delete A user evaluation processing unit for generating comprehensive credit information by evaluating the comprehensive credit rating based on the communication service credit information of the same subscriber as the user of the user communication device and the card credit information of the same member as the user among the communication service subscribers; If the comprehensive credit information meets the preset criteria, the user does not have a card for which discount service or point earning service is provided based on the store information after checking the store information within the set radius at the current location of the user. A card member management device that configures a card advertisement system together with a selection advertisement device including an advertisement processing unit which selects out of the non-cards and generates card-related advertisement information for the selected cards and transmits the generated card related advertisement information to the user communication device.
A member information storage unit for storing card member information;
A history storage unit for storing card usage history information;
A card information storage unit for storing a plurality of types of card information;
A member evaluation processing unit for generating and transmitting card credit information by evaluating the credit rating of the same member as the user of the user communication device among card members based on the card member information previously stored;
A use tendency diagnosis unit for generating use tendency information by diagnosing a use tendency of the same member based on previously stored card use history information;
After confirming a plurality of types of cards according to the previously stored card information on the basis of the usage tendency information, and after confirming the store information within the set radius at the current location of the user among the cards not owned by the user, the store information The card selection processing unit for selecting a card provided with a discount service or points earning service based on
Card membership management device. The method of claim 7, wherein
The card sorting processor selects a card based on communication service use tendency information and the use tendency information of the same communication service subscriber as the user.
Card membership management device. A user evaluation processing unit for generating comprehensive credit information by evaluating the comprehensive credit rating based on the communication service credit information of the same subscriber as the user of the user communication device and the card credit information of the same member as the user among the communication service subscribers; If the comprehensive credit information meets the preset criteria, the user does not have a card for which discount service or point earning service is provided based on the store information after checking the store information within the set radius at the current location of the user. A communication subscriber management device for configuring a card advertisement system together with a selection advertisement device including an advertisement processing unit which selects out of cards and generates card-related advertisement information for the selected cards and transmits the generated card related advertisement information to the user communication device.
A subscriber information storage unit for storing subscriber information of a communication service;
A usage history storage unit for storing usage history information of the communication service;
A subscriber evaluation processing unit for generating and transmitting communication service credit information by evaluating the creditworthiness of the same subscriber as the user of the user communication device based on the stored subscriber information;
A usage propensity diagnosis unit configured to generate and transmit usage propensity information by diagnosing the use propensity of the same subscriber based on previously stored usage history information;
Communication subscriber management device. A user evaluation processing unit for generating comprehensive credit information by evaluating the comprehensive credit rating based on the communication service credit information of the same subscriber as the user of the user communication device and the card credit information of the same member as the user among the communication service subscribers;
If the comprehensive credit information meets the predetermined criteria, the user checks the store information within the set radius at the user's current location, and then the user holds a card provided with a discount service or a point earning service based on the store information. And an advertisement processor that selects among the cards that are not and generates card-related advertisement information for the selected cards and transmits the card-related advertisement information to the user communication device.
Screening advertising device. 11. The method of claim 10,
The advertisement processing unit selects one of the cards not owned by the user based on the communication service use tendency and the card use tendency.
Screening advertising device. 11. The method of claim 10,
The user evaluation processing unit generates a consumption log by diagnosing usage tendency information of the same subscriber as the user of the user communication device among the communication service subscriber and the card member.
The advertisement processor may provide the card-related advertisement information in consideration of the consumption log.
Screening advertising device. 13. The method of claim 12,
The screening advertisement device, Store information storage unit for storing the location-based store information,
From the store information, the store information within the set radius is extracted from the current location of the user to generate location-based store information, and the card recommendation information is selected by selecting a card provided with a discount service or a point earning service based on the store information. The card recommendation processing unit further provided,
The advertisement processor may identify a card not owned by the user based on the consumption log, select a card provided with a discount service or a point earning service based on the store information, and select the non-retained recommendation card information based on the card-related advertisement. Provided by
Screening advertising device.

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