KR101268047B1 - Giveaway providng and advertising system linked credit card payment, and method thereof - Google Patents

Abstract

PURPOSE: A card payment combined prize offering, an advertisement system and a method thereof are provided to make a user select a prize request on a push message and check a prize winning result directly. CONSTITUTION: When a prize check request is inputted from a user confirming a push message transmitted after the card payment from a screen of a user terminal, a prize winning probability calculator calculates the winning probability depending on the card usage type obtained by an analysis of the card usage detail of the user(S210-S225). A prize winning processor determines the prize winning of the user based on the calculated winning probability(S230). A prize winning result providing unit provides the prize winning result to the user terminal(S235). [Reference numerals] (AA) Start; (BB) End; (S205) Transmit a card payment authorization detail to a push server; (S210) Transmit a push message including the card payment authorization detail to a user terminal; (S215) Prize winning check requested?; (S220) Transmit a prize winning check message by an application; (S225) Calculate a prize winning probability; (S230) Determine prize winning; (S235) Display a prize winning result; (S237) Win prize?; (S240) Input prize delivery information; (S254) Provide an additional prize winning term

Description

[0001] GIVEAWAY PROVIDING AND ADVERTISING SYSTEM LINKED CREDIT CARD PAYMENT, AND METHOD THEREOF [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a system and a method for providing a prize and an advertisement system, and more particularly, to a system and a method for providing a prize and an advertisement in conjunction with a push message including a card payment approval statement.

Various services that link credit card payment and prize winning are being introduced. For example, Korean Patent Laid-Open Publication No. 2009-0013335 discloses a technology for providing a prize winning result and related information on the Internet at the same time as a credit card payment approval. Specifically, a prize winning confirmation is confirmed through a barcode system installed in a store and a terminal .

Korean Patent Publication No. 2002-0021948 discloses a credit card approval and a prize lottery method in which a winner is drawn and a prize is paid out among the credit card users, and a method of weighting a winning probability based on the number of counts .

Various services that link the credit card payment and the prize winning have been disclosed. However, the technique of transferring the credit card payment approval history to the push message, and the user can select the prize application on the push message and check whether the prize is won Is not disclosed. In addition, there is not disclosed a technique of calculating a prize winning rate, determining a winning prize type, and providing an advertisement by interlocking card usage and lifestyle of a card user.

KR 2009-0013335 A KR 2002-0021948 A

Accordingly, a problem to be solved by the present invention is to promptly check whether a prize is won when a user selects a message check on a push message including a credit card payment approval history. In addition, the card usage type and lifestyle of a card user are linked to calculate a prize winning rate, And to provide a system and a method for providing a winning prize type determination and advertisement.

According to another aspect of the present invention, there is provided a method of providing and advertising a prizes linked to a card, the method comprising the steps of: when a prizes confirmation request is received from a user who has confirmed a push message transmitted from a user terminal, Calculating a winning probability according to the card usage pattern obtained by analyzing the usage history, determining whether the user wins the prize based on the calculated winning probability, and providing a prize winning result to the user terminal, And displaying the prize winning result on a screen of the user terminal through a mobile application associated with the message, wherein when a predetermined advertisement is exposed on the screen of the user terminal through the mobile application while waiting for the prize winning result, .

The push message may include a credit card payment approval history and a user interface for selecting a prize confirmation request from the user.

The card usage pattern may include at least one of a recency of card settlement corresponding to how recently the user has paid the card, a card settlement frequency corresponding to how frequently the user has paid the card, And a monetary rate corresponding to the card settlement amount, and the winning probability is preferably increased as the recentity of the card settlement, the frequency of the card settlement, and the score corresponding to the card sales are high.

When the NFC tag information acquired from the NFC tag located at the other merchant located near the merchant where the card settlement is made is received from the user terminal, it is preferable that the winning probability calculated according to the card usage pattern is higher by a predetermined standard Do.

Preferably, at least one of the prizes and advertisements provided to the user is determined in consideration of the sex, residence area, age, and card usage details of the user.

It is preferable that gift information distribution information that can be received in an area located near the merchant where the card settlement is made is included in the advertisement or displayed after the confirmation screen of the prize winning result.

The coupon can be issued at another merchant located in the vicinity of the merchant whose payment has been made by reflecting the credit card payment approval details.

The push message may include location information for an affiliated store where the NFC tag is installed.

When receiving NFC tag information from the user terminal installed at a merchant where payment of a card is made, the user can provide a gift or a coupon that can be collected at another merchant near the merchant.

According to another aspect of the present invention, there is provided a system for providing and intercepting a prizes linked to a card, the method comprising: when a prizes confirmation request is received from a user who has confirmed a push message transmitted from a user terminal, A prize winning prize calculation unit for calculating a prize winning probability according to a card usage form obtained by analyzing card usage history, a prize winning prize processing unit for determining whether the prize is won by the user based on the calculated winning probability, A result of the prize winning result being displayed on a screen of the user terminal through a mobile application associated with the push message, A predetermined advertisement And a processing unit for the ad to be exposed.

A computer-readable medium according to another embodiment of the present invention records a program for causing a computer to execute any one of the above methods.

According to the present invention, a user can select a prize application on a push message to confirm whether or not a prize is won on the spot. By calculating a prize winning rate, determining a prize winning type, and providing an advertisement in conjunction with a card usage form and a lifestyle of a card user, The satisfaction of the user can be increased. In addition, card users can visit nearby merchants and use cards. It can increase the frequency of customers' use of the card and contribute to the sales of the card company.

1 is a block diagram for explaining a card payment interlocking prize offering and advertisement system according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating an operation of providing a card payment interlocking prize and an advertisement system according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention.

1 is a block diagram for explaining a card payment interlocking prize offering and advertisement system according to an embodiment of the present invention.

Referring to FIG. 1, a card payment interlocking offering and advertisement system 200 (hereinafter, referred to as a 'gift providing and advertising system') according to an embodiment of the present invention connects with a user terminal 100 through a communication network 10 So that various information and data can be exchanged.

The communication network 10 includes a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), Internet, 3G, 4G mobile communication network, Wi-Fi, And it may be any wired or wireless network and any communication method may be used.

The user terminal 100 includes a memory means such as a smart phone, a tablet PC, a personal digital assistant (PDA), a web pad, etc., and is equipped with a microprocessor and has a mobile communication function Various applications can be installed, and various services can be provided to the user.

In particular, the user terminal 100 according to the present invention may be provided with a mobile application (hereinafter referred to as 'mobile application') for providing a prize for interlocking with a card payment and an advertisement service.

The mobile application displays various kinds of information related to the offering of the prize offering and the advertisement service provided by the advertisement system 200 on the screen of the user terminal 100, receives commands and data from the user, And the advertisement system 200 according to the present invention.

In particular, the mobile application according to the present invention can be displayed on the screen by receiving a push message including a payment approval detail of the card from the user terminal 100, . In addition, the mobile application may transmit a gift request to the advertisement providing system 200 when the user selects a gift confirmation request button included in the push message, and may receive the prize winning result according to the result and display the result on the screen. The user interface for selecting a request for confirmation of a prize from the user can be implemented in various ways in addition to the prize confirmation button.

On the other hand, the mobile application can display a predetermined advertisement on the idle screen until the prize winning result is delivered from the prize offering and advertisement system 200. In addition, the mobile application can display coupons issued in real time from the prize offering and advertisement system 200. A coupon of the appropriate type may be issued according to the credit card payment approval details transmitted in the push message. For example, as a result of analyzing card payment usage patterns of card users, it is assumed that users who watched a movie in a movie theater have a tendency to visit a coffee shop around the theater, the prize offering and advertisement system 200 can recognize a movie ticket A coupon to be used in a coffee shop around the theater may be issued to the user who paid the card, and a coupon may be displayed on the waiting screen as a result of the prize winning. Of course, you can pay a discount coupon or win a coffee voucher. In this way, a coupon or a prize can be provided according to the immediately preceding card payment approval statement, and in the case of a coupon, the issuance fact can be displayed on the waiting screen as a result of the prize winning.

The mobile application can be installed in the user terminal 100 by downloading an installation file from an application market (not shown) such as an app store, an Android market, and the like.

The prize offering and advertisement system 200 includes a prize winning probability calculation unit 210, a prize winning process unit 220, a prize winning result providing unit 230, an advertisement processing unit 240, a push server 250, and a database unit 260 : DB).

The prize winning probability calculation unit 210 analyzes the user's card usage history when a prize confirmation request is input from the user who has confirmed the push message transmitted from the user terminal 100 after the card payment is made, . The prize winning probability calculation unit 210 may calculate the prize winning probability for each user in advance and store it in the database unit 260 according to the embodiment. In this case, it is possible to calculate the prize winning probability per user for each predetermined period, for example, one day, one week, or one month. There is no need to calculate the winning probability each time a prize draw is requested.

The prize winning processing unit 220 performs a function of determining whether or not a prize is won by the user based on the calculated winning probability.

The prize winning result providing unit 230 provides the prize winning result to the user terminal 100 and displays the prize winning result on the screen of the user terminal 100 through the mobile application associated with the push message.

The advertisement processing unit 240 performs a function of exposing a predetermined advertisement to a screen of the user terminal 100 through a mobile application while waiting for confirmation of a prize winning result.

The push server 250 generates a push message including a card payment approval history transmitted from a credit card payment approval server (not shown) and transmits the generated push message to the user terminal 100 in a pushing manner. The push message may include a user interface for receiving a request for confirmation of a prize confirmation from the user together with a credit card payment approval history. Of course, according to the embodiment, it is possible that the push message for transmitting the credit card payment approval details and the push message for selecting the prize confirmation request are separated and transmitted separately.

The database unit 260 stores various kinds of information and data necessary for providing a card payment interlocking prize and providing an advertisement service according to the present invention. The database unit 260 includes a prize winning probability calculation unit 210, a prize winning process unit 220, (230) and the advertisement processing unit (240). More specifically, the database unit 260 (DB) can store card usage details, prize contents, advertisement contents, card user information, and the like, and can also store information on prize winning results and the like.

Hereinafter, a method of providing and advertising a prizes linked to a card payment according to an embodiment of the present invention will be described in detail.

FIG. 2 is a flowchart illustrating an operation of providing a card payment interlocking prize and an advertisement system according to an embodiment of the present invention.

Referring to FIG. 2, when a user makes a card settlement at a merchant, a credit card company's payment approval server (not shown) transmits the credit card payment approval details to the push server 250 (S205).

Then, the push server 250 pushes the push message including the card payment approval details to the user terminal 100 in a push manner (S210).

When the user confirms the push message and inputs a prize winning confirmation request (S215-Y), the mobile application transmits a prize winning confirmation request message to the advertisement providing system 200 (S220). In step S220, the prize winning confirmation request message may include the USIM ID of the user terminal 100 and the card payment authorization amount. In some embodiments, only the mobile phone number of the user terminal 100 is used instead of the USIM ID . Other information for user identification may also be conveyed.

Then, the prize winning probability calculation unit 210 may calculate the winning probability according to the obtained card usage pattern by analyzing the card usage history of the user (S225). In the step S225, the card usage pattern includes the latest recency of the card settlement corresponding to how recently the user has paid the card, the card settlement frequency corresponding to how frequently the user has paid the card, And a card sale (Monetary) corresponding to the total card payment amount of the card. The probability of winning can be increased as the recentness of the card settlement, the frequency of the card settlement, and the score corresponding to the card sales are higher.

For example, the number of users who have paid for a card within the past one month is 50, the number of users who have paid for a card within the past two months is 40, and the number of users who have paid for a card within the past three months is 30 . According to the frequency of the card settlement, it can be given as 10 points, 2 times 20 points, 3 times 30 points, 4 times 40 points, etc. according to the frequency of the card payment. Lastly, 10 points for payment of 50,000 won or less, 20 points for 50,000 won or more and 100,000 won or less, 30 points for 100,000 won or more, and 40 points for 1 million won or less, Can be given. The probability of winning a prize can be calculated according to the score thus awarded. Of course, it is also possible to calculate the prize winning probability according to the card usage form other than the one presented here.

Meanwhile, according to the embodiment, it is also possible to adjust the probability of winning a prize according to a specific condition to a prize winning probability calculated according to a card usage form, by a predetermined standard. For example, after receiving the push message including the card payment approval details, the user visits the nearby merchant and brings the user terminal 100 to the near field communication (NFC) tag located at the affiliated shop, By sending along with the request, the probability of winning a prize can be increased by a predetermined standard. For example, if the probability of winning a prize calculated according to the card usage type is 15%, the case where the NFC tag information of a nearby merchant is delivered together can be increased to 20%. If the probability of winning the prize is increased according to the acquisition of the NFC tag information of the nearby merchant, it is advantageous to induce the card payment user to visit another merchant and thereby to induce additional card settlement. Here, the nearby franchise point means another franchise point located within a predetermined distance range from the franchise shop where payment is made.

Meanwhile, the push message can be conveniently displayed by the user including the information of the nearby merchant installed with the NFC tag so that the user can conveniently check and visit the merchant installed with the NFC tag.

According to the embodiment, even when the user terminal 100 transmits the NFC tag information acquired from the NFC tag installed at the merchant that made the card payment together with the request for winning the prize, the probability of winning the prize can be increased as described above.

Even if the request for a prize winning confirmation is not input manually from the user on the push message screen including the credit card payment approval details, when the user terminal 100 is brought to the NFC tag installed in the store where the card payment is made, Or the like.

Referring again to FIG. 2, the prize winning unit 220 determines whether the user wins a prize based on the prize winning probability calculated in step S225 (S230).

If there are various types of prizes available at step S230, the type of the prizes can be determined in consideration of the lifestyle of the user such as the user's sex, residence area, age, and card usage details. For example, in the case of a woman in his twenties, a movie gift certificate, cosmetics, etc. can be offered as a prize. Based on the card usage history, the user who has recently purchased the diaper may determine the diaper as a winning prize.

Of course, the prizewinning prize can be pre-selected in consideration of the lifestyle of the user before sending the push message including the card payment approval details according to the embodiment. In this case, the prizes can be implemented so as to include the prizewinning prize information in the push message. That is, in step S215, the user can confirm that the prize can be won and select whether or not to confirm the prize.

In addition, in step S215, a prize desired to be received by the user may be selected from the prize winning list, and the prize draw calculation logic may be applied to the selected prize type differently.

On the other hand, if the prize winning probability of each user is calculated in advance, the prize winning probability may be included in the push message and transmitted. In this case, step S225 may be omitted. Meanwhile, by allowing the prize winning probability to be confirmed in advance, the user can further increase the prize winning rate. In order to increase the probability of winning a prize, the card may be more aggressively used.

Then, the prize winning result providing unit 230 provides the prize winning result to the user terminal 100 to display the prize winning result on the screen of the user terminal 100 through the mobile application associated with the push message (S235).

Meanwhile, the mobile application can display the advertisement on the screen of the user terminal 100 from the step S215 for inputting a prize winning confirmation request to the step S235 for displaying a prize winning result. The advertisement displayed by the mobile application can be determined according to the user's lifestyle such as the user's sex, residence area, age and card usage details. The advertisement may be provided to the user terminal 100 in advance or may be provided from the database 260 and delivered to the advertisement processing unit 240 in accordance with the lifestyle of the user after the request for a prize winning confirmation request (S215) have.

The prize delivery information may be input from the user (S237-Y) who won the prize after step S235 (S240).

On the other hand, a user who has not won a prize (S237-N) may provide an opportunity to win additional prize (S245). In step S245, the mobile application may provide an opportunity to win additional prizes in conjunction with the prizewinner processing unit 220 when the user selects the additional prizes.

In addition, the mobile application can be provided with advertisement distribution information, which can be received in an area located near the merchant where the card settlement is made, from the advertisement processing unit 240, and may be included in the advertisement or displayed after the confirmation screen of the prize winning result. Here, the expression " located near " means that it is located within a predetermined distance from a predetermined place. Thereby, there is an advantage that the card payment user can be guided to visit another merchant to induce additional card payment.

On the other hand, as described above, the award offering and advertisement system 200 may provide a gift item or a usable coupon that can be received from another merchant located near the merchant through the mobile application, . For example, if a user who has paid a certain amount or more of a card at Restaurant A is found to have a tendency to pay a card at B Wine Bar, the coupon that can be used at B Wine Bar can be provided after confirming the prize winning screen have.

When the user who has received the push message including the card payment approval details brings the user terminal 100 to the NFC tag installed in the store, the mobile application can provide the NFC tag information to the award offering and advertisement system 200 . Then, the prize winning probability calculator 210 processes the prize winning probability at 100%, and the prize winning processor 220 may provide the user with a gift or a usable coupon that can be received at the nearby merchant store of the store.

Embodiments of the present invention include a computer-readable medium having program instructions for performing various computer-implemented operations. This medium records a program for executing the card payment interlocking prize offering and advertising method described above. The medium may include program instructions, data files, data structures, etc., alone or in combination. Examples of such media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD and DVD, programmed instructions such as floptical disk and magneto-optical media, ROM, RAM, And a hardware device configured to store and execute the program. Or such medium may be a transmission medium, such as optical or metal lines, waveguides, etc., including a carrier wave that transmits a signal specifying a program command, data structure, or the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, Of the right.

10: communication network 100: user terminal
200: Award offering and advertisement system 210: Prize winning probability calculation unit
220: prize winning processing unit 230: prize winning result
240: advertisement processing unit 250: push server
260:

Claims (18)

Calculating a prize probability according to the obtained card usage pattern by analyzing the card usage history of the user upon inputting a prize confirmation request from a user who confirms a push message transmitted after payment of a prize winning probability calculation card,
The prize winning processing unit determines whether the user wins the prize based on the calculated winning probability, and
Providing the prize winning result providing unit to the user terminal and displaying the prize winning result on the screen of the user terminal through the mobile application associated with the push message,
The advertisement processing unit causes the card payment linked advertisement to be exposed on the screen of the user terminal through the mobile application while waiting for confirmation of the prize winning result,
The mobile application displays the card settlement approval statement, the prize winning result, and the card payment interlocking advertisement on the screen of the user terminal after being executed after receiving the push message,
The prize winning probability may be included in the push message and displayed on the screen of the user terminal so that the user can check the prize winning prize before requesting the prize confirmation,
When the user visits another franchise point located within a predetermined distance range from the merchant for which the card settlement has been made and the NFC tag information obtained by bringing the user terminal to the NFC tag located at the other franchisee is received from the user terminal , And the probability of winning, which is calculated according to the mode of use of the card, is higher than a predetermined standard. The method of claim 1,
Wherein the push message includes a credit card payment approval statement and a user interface for receiving a request for confirmation of a prize from the user. The method of claim 1,
The card usage pattern may include at least one of a recency of card settlement corresponding to how recently the user has paid the card, a card settlement frequency corresponding to how frequently the user has paid the card, Card sales corresponding to the card payment amount (Monetary)
Wherein the winning probability is increased as the recentity of the card settlement, the card settlement frequency, and the score corresponding to the card sales are higher. delete The method of claim 1,
Wherein at least one of the prizes and advertisements provided to the user is determined in consideration of the sex, the residence area, the age, and the card usage details of the user. The method of claim 1,
Wherein the gift information distribution information that can be received in an area located near the merchant where the card settlement is made is included in the advertisement or displayed after the confirmation screen of the prize winning result. 3. The method of claim 2,
And a coupon that is available at another merchant located in the vicinity of the affiliated store where the card settlement is made is reflected by reflecting the details of the card settlement approval. The method of claim 1,
Wherein the push message includes location information on an affiliated store where the NFC tag is installed. The method of claim 1,
Providing a prize or a coupon that can be received at another merchant near the merchant when the NFC tag information installed in the merchant having the card payment is received from the user terminal. A prize winning prize probability calculator for calculating a prize winning probability according to a card usage form obtained by analyzing a card usage history of the user when a prize confirmation request is input from a user who has confirmed a push message transmitted from a user terminal on a screen of a user terminal,
A prize win-win processing unit for determining whether to win a prize based on the calculated winning probability,
Providing a prize winning result to the user terminal to display the prize winning result on the screen of the user terminal through a mobile application associated with the push message,
And an advertisement processing unit for allowing a predetermined advertisement to be displayed on the screen of the user terminal through the mobile application while waiting for confirmation of the prize winning result,
The mobile application is executed after receiving the push message and displays the credit card payment approval result, the prize winning result, and the predetermined advertisement on the screen of the user terminal,
The prize winning probability may be included in the push message and displayed on the screen of the user terminal so that the user can check the prize winning prize before the prize confirmation is requested,
When the user visits another franchise point located within a predetermined distance range from the merchant for which the card settlement has been made and the NFC tag information obtained by bringing the user terminal to the NFC tag located at the other franchisee is received from the user terminal , And the probability of winning, which is calculated according to the mode of use of the card, is higher than a predetermined standard. 11. The method of claim 10,
Wherein the push message includes a credit card payment approval statement and a user interface for receiving a request for confirmation of a prize from the user. 11. The method of claim 10,
The card usage pattern may include at least one of a recency of card settlement corresponding to how recently the user has paid the card, a card settlement frequency corresponding to how frequently the user has paid the card, Card sales corresponding to the card payment amount (Monetary)
Wherein the winning probability increases with an increase in the recentness of the card settlement, the frequency of the card settlement, and the score corresponding to the card sales. delete 11. The method of claim 10,
Wherein at least one of the prize and the advertisement provided to the user is determined in consideration of the sex, the residence area, the age, and the card usage details of the user. 11. The method of claim 10,
Wherein the gift information distribution information that can be received in an area located near the merchant where the card settlement is made is included in the advertisement or displayed after the confirmation screen of the prize winning result. 12. The method of claim 11,
And the coupon is issued to another merchant located near the merchant through which the card payment is made, reflecting the credit card payment approval details. 11. The method of claim 10,
Wherein the push message includes location information for an affiliated store where the NFC tag is installed. 11. The method of claim 10,
Providing a prize or a coupon that can be received at another merchant near the merchant when the NFC tag information is transmitted from the user terminal.

Images