KR101462999B1 - Wallet system for setting default card as and method thereof - Google Patents

Abstract

The present invention relates to an electronic wallet system and method in accordance with whether or not a performance standard is satisfied. More specifically, the present invention can use cards only to a certain extent even if the user does not know the cumulative amount of money of each card, The present invention relates to a technique in which it is not necessary to individually confirm or record whether the cumulative amount of money of a card providing the specific benefit exceeds a certain degree.
To this end, the electronic wallet system according to whether the performance standard according to the present invention is satisfied includes a receiving unit, a determining unit, and a default card setting unit. The receiving unit receives the card information including the identifier of each card, the performance standard for each card, and the benefit information according to the performance standard or the usage history information for each card. The determination unit determines whether the accumulated amount of the default card in the current month meets the performance standard of the default card based on the per-card usage history information. The default card setting unit sets one of the cards that does not exceed the performance criterion as a default card when the cumulative amount of money of the default card satisfies the performance criterion according to the determination result.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic wallet system,

The present invention relates to an electronic wallet system and method in accordance with whether or not a performance standard is satisfied. More specifically, the present invention can use cards only to a certain extent even if the user does not know the cumulative amount of money of each card, The present invention relates to a technique in which it is not necessary to individually confirm or record whether the cumulative amount of money of a card providing the specific benefit exceeds a certain degree.

In the modern society, cards are widely used as a means of replacing cash settlement, and tend to induce card settlement in all fields of society such as on-line and off-line stores, restaurants, hospitals and pharmacies. In the early days of card use, users used one card in their wallet. In recent years, however, according to the benefit of each card company, for example, various discounts and points service through contract with an affiliate, It is common to have cards in the field.

However, the number of cards put in the wallet increases, causing the wallet itself to become thicker. In addition to card companies, various point-earning cards and cash receipt cards provided by general service providers are stored together in the wallet. There is the inconvenience of having to put a card in the wallet or more.

Accordingly, technologies for enabling financial settlement using a personal portable terminal having an optical transceiver such as a mobile phone or a PDA instead of the plastic or magnetic type card currently being used are being developed.

On the other hand, most cards require performance from the previous month or the last three months. In other words, credit card companies use a certain amount of credit card as a method of limiting the benefits. However, in the case of using multiple cards, it is not easy to manage the performance of each card. In order to maintain the performance, it is inconvenient to check the total of each card transaction details individually.

Accordingly, in Korean Patent Publication No. 2011-0109073, "Method and apparatus for notifying the performance of a card," it is possible to inform the customer whether the usage result of the card used by the customer exceeds a certain degree, So that it can check the degree of use of the product.

However, since the above-mentioned prior art document only informs the user that the use of the card exceeds a certain degree, there is a problem that the user must distinguish a card exceeding a certain degree of use and a non-exceeding card and use the card for payment.

Also, it is desirable to use cards only to exceed a certain degree in order for the user to enjoy various benefits of using the card, but it is possible to know the cumulative amount of each card.

Further, there is a problem in that, in order for a user to receive a specific benefit in the next month, the cumulative amount of the present month of the card providing the specified benefit exceeds a certain degree, and must be used while confirming or recording. For example, if there is a schedule for "outback" in the next month, the user checks whether there is a discountable card in the "outback" and if so, the accumulated amount of the card must be used until a predetermined degree is met. There is an inconvenience to use the card considering.

Korean Patent Publication No. 2011-0109073 "Method and apparatus for notifying card performance"

The present invention aims at enabling a user to use cards only to a certain extent even if the user does not know the cumulative amount of money of each card.

In addition, the present invention aims at making it unnecessary for the user to confirm or record the cumulative amount of money of the card providing the specific benefit in excess of a certain degree in order to receive a specific benefit in the next month.

In order to achieve the above object, an electronic wallet system according to whether the performance standard is satisfied according to the present invention includes a receiving unit, a determining unit, and a default card setting unit. The receiving unit receives the card information including the identifier of each card, the performance standard for each card, and the benefit information according to the performance standard or the usage history information for each card. The determination unit determines whether the accumulated amount of the default card in the current month meets the performance standard of the default card based on the per-card usage history information. The default card setting unit sets one of the cards that does not exceed the performance criterion as a default card when the cumulative amount of money of the default card satisfies the performance criterion according to the determination result.

As described above, according to the present invention, it is determined whether the accumulated amount of the default card in the default card meets the performance standard of the default card based on the information of each card, and if one of the cards does not exceed the performance standard Since the default card is set, the user does not need to check whether the actual usage of cards he / she has at the settlement time, that is, the cumulative value of each card, exceeds the performance standard, and it is not troublesome. It is possible to receive more various benefits.

In addition, the present invention analyzes a next month schedule, selects a card to which a benefit can be applied in the next month among the cards held by the terminal, and sets it as a default card, for example, It is determined whether there is a discountable card in the "outback" in the terminal, and if so, whether the cumulative amount of the card satisfies the performance criterion is determined, and if the cumulative amount of the card satisfies the performance criterion, It is not necessary to look up the benefit information according to the performance standard of each card in order to receive a specific benefit in the next month and it is convenient because it is not necessary to confirm or record the cumulative amount of the card providing the specific benefit exceeding the performance standard.

In addition, the present invention calculates the expected benefits of the selected cards, determines the priorities in descending order of the expected benefits, and determines the card with the highest priority determined among the cards whose cumulative amount of the month does not satisfy the performance criteria, , It is possible to provide a higher benefit to the user, thereby maximizing the satisfaction of the user.

Also, in the past, when there is no benefit related to the next month's card among the cards held in the past, it was troublesome to search for a card capable of applying the benefits and to receive a necessary card among the retrieved cards. However, according to the present invention, since a card having a high benefit in relation to schedule information is recommended, a user does not need a searching process, and a card having a higher benefit than a card being held can be presented.

FIG. 1 is a view showing a schematic configuration of an electronic wallet system according to whether an earnings standard is met according to an embodiment of the present invention.
2 is a diagram showing an application example of the system according to the present invention.
3 is a view showing information on a default card set according to the present invention.
4 is a view showing information on a default card reset according to the present invention.
5 is a diagram illustrating information on extracted keywords by parsing schedule information according to the present invention.
Fig. 6 is a diagram showing information on a selected card in relation to "outback ".
FIG. 7 is a flowchart illustrating a method of providing an electronic wallet system according to an embodiment of the present invention.
FIG. 8 is a diagram showing a schematic flow of a method for providing an electronic wallet system in consideration of the next month schedule according to the present invention.
9 is a diagram showing a schematic flow of a card issue recommendation method according to the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 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. Further, in the description of the embodiments of the present invention, specific values are merely examples, and exaggerated values may be presented for convenience and understanding of the present invention.

<Description of System>

FIG. 1 is a schematic view illustrating an electronic wallet system according to an embodiment of the present invention. FIG. 2 is a diagram illustrating an application example of the system according to the present invention.

Referring to FIG. 1, the electronic wallet system 100 according to whether the performance criteria according to the present invention is satisfied communicates with the card information management server 10 in the configuration of the terminal 200.

The card information management server 10 stores card information including benefit information according to an identifier of each card, an earnings standard for each card, and an earnings standard, and stores the stored card information in the electronic wallet system 100). The identifier of the card means a value that can identify the card, such as the card's unique number. The performance criterion for each card is a specific criterion such as the amount of usage from the first month of last month, , And the benefit information according to the performance standard means information such as a discount rate according to the amount of usage amount.

The welette system 100 according to the present invention selects a default card based on the transmitted card information and the card usage information, and for this purpose, the receiving unit 101, the determination unit 102, (103).

The receiving unit 101 receives from the database of the card information management server 10 or the database of the terminal 200 the card information including the identifier of each card, the performance standard for each card, and the benefit information according to the performance standard, 10, the database of the terminal 200, or the POS terminal 40. [0060] That is, the terminal 200 may receive the card information from the card information management server 10 whenever necessary, or may receive the card information from the card information management server 10 and store it in the database when issuing the card. However, when the card information is stored in the terminal 200, it is preferable to receive the changed information from the card information management server 10 and update the existing information when changing the benefit information according to the performance standard or the performance standard. In addition, the terminal 200 may receive the accumulated monthly amount of the card usage history information from the card information management server 10 via 3G or LTE (Long Term Evolution) whenever necessary, (Near Field Communication) with the POS terminal 40, it is possible to store the transaction history information transmitted from the POS terminal 40 at the time of settlement and the accumulated cash amount calculated using the information in the database . Alternatively, when payment is made through the POS terminal 40, the card information management server 10 receives and stores the piece-by-piece usage history information of each card transmitted from the POS terminal 40 to the card company server 30 And may transmit the cumulative amount of the current month to the terminal 200 whenever necessary (see FIG. 2). The present invention is not limited to the above-described embodiments, and various modifications may be applied to the present invention. For convenience of explanation, the information on the limit of the benefit information will be omitted below.

The determination unit 102 determines whether the accumulated amount of the default card in the current month meets the performance standard of the default card based on the card usage history information. The default card means a card used for payment. As described above, the accumulated monthly money may be information transmitted from the card information management server 10, or information calculated based on the card usage history information of each card in the terminal 200.

The default card setting unit 103 sets one of the cards that does not exceed the performance criterion as the default card when the cumulative amount of money of the default card satisfies the performance criterion in accordance with the determination result. For example, when the terminal 200 is set as the default card with the card identifier 2152CKL as shown in FIG. 3, the settlement amount of the current month becomes 370,000 won when payment of 200,000 won is made to the set default card. In this case, as shown in FIG. 4, the card 3002 satisfies the corresponding performance standard of 300,000 won for the card identifier 2152CKL. Therefore, the default card setting unit 103 sets one of the cards that does not exceed the performance standard as the default card. Here, in the case where there are a plurality of cards that do not exceed the performance standard, the setting may be made automatically according to the information set by the user in advance in the terminal 200, or may be made by the user's choice whenever the default card needs to be changed have.

As described above, according to the present invention, based on the card usage history information, it is determined whether the accumulated amount of the default card is equal to the performance standard of the default card. The user does not need to check whether the actual usage of the cards he / she has at the settlement time, that is, the accumulated amount of each card in the current month, exceeds the performance standard, so that the user is not only uncomfortable, It has the effect of receiving more various benefits.

On the other hand, in order for a user to receive a specific benefit in the next month, there is a problem that the accumulation amount of the present month of the card providing the specific benefit exceeds a predetermined degree, For example, if there is a "outback" schedule for the next month, the user should check to see if there is a discountable card in the "outback", and if so, until the cumulative amount of that card meets a certain level. Therefore, the user has to use the card in consideration of the next month's schedule. In order to solve such a problem, the present invention allows a default card to be set in consideration of the next month schedule. To this end, the welette system 100 further includes a schedule information receiving unit 104 and a benefit application card selection unit 105.

The schedule information receiving unit 104 receives schedule information of a calendar rotor user stored in a calendar provided by the web or a database of the terminal 200, such as a Google calendar.

The benefit application card selection unit 105 analyzes the schedule of the next month on the basis of the schedule information received from the web or the database of the terminal 200 to select a card to which the benefit can be applied in the next month schedule, To extract a keyword as shown in FIG. 5, and to select a card corresponding to benefit information matched with the extracted keyword.

The determination unit 102 determines whether the accumulated amount of the cards selected in the benefit application card selection unit 105 satisfies the performance criterion.

As a result of the determination, the default card setting unit 103 sets a card whose month-to-month accumulated amount of the cards selected by the benefit applying card selection unit 105 does not satisfy the performance criteria as a default card. In other words, matching the keywords such as "7 o'clock", "Gangnam", "Outback" extracted as shown in FIG. 5 with the benefit information shown in FIG. 3, the card identifier 3200BN4, "Lotte Department Store" In this regard, it can be seen that the card identifier 2152CKL can be set as a default card, and the setting can be made automatically or at the user's choice according to the information set by the user in advance in the terminal 200. As another example, if you have an appointment with your friends in the "amusement park" schedule and "VIPS" in November, you can use cards that can benefit from the admission to the amusement park and free vouchers, and cards that can benefit from "VIPS" The card may be selected and presented to the user. Recently, since there are a restaurant or a shopping mall that provides a discount when visiting after a specific time, the keyword may be a proper name of time information, a restaurant, a movie theater, a shopping mall, or the like.

As described above, the present invention analyzes the next month schedule and selects a card to which the benefit can be applied in the next month among the cards held by the terminal 200, and sets the card as a default card. For example, If there is a schedule for going out, the terminal 200 is checked whether there is a discountable card in the "outback", and if it is determined that the cumulative amount of the card meets the performance criterion, By setting the card, the user does not need to look up the benefit information according to the performance standard of each card in order to receive a specific benefit in the next month, and it is necessary to check whether the cumulative amount of the card providing the specific benefit exceeds the performance standard It is convenient because there is no.

On the other hand, when the schedule information is analyzed and the cumulative amount of the selected cards does not meet the performance standard, the default card is set as the default card. If there are multiple cards that do not meet the criteria, the higher benefit card needs to be set as the default card . Therefore, the default card setting unit 103 of the present invention calculates the expected benefits of the card selected by the benefit application card selection unit 105, determines the priority in descending order of the expected benefits, The card having the highest priority determined as the default card is set as the default card. That is, when the card identifiers 5116SSD and 7060KK are selected as the card whose cumulative amount of the current month does not exceed the performance standard as shown in FIG. 6, and the selected card provides discount rates of 20% and 25% The identifier 7066KKK is set as the default card.

In this manner, the expected benefits of the selected card are calculated, the priority is determined in descending order of the expected benefits, and the card having the highest priority determined among the cards for which the cumulative amount of the current month does not satisfy the performance criteria is set as the default card Thereby providing a higher benefit to the user, thereby maximizing the satisfaction of the user.

However, since there is a card having a larger benefit than a card issued by the user, the present invention provides a card issuing recommendation function. To this end, the wellness system 100 includes a predetermined information transmission unit 106 and card issuing recommendation information And a receiving unit 107. [

The schedule information transmitting unit 106 transmits at least a part of the schedule information to the card information management server 10. The card information management server 10 may be a card information management server 10, a card information management server 10, a card information management server 10, a card information management server 10, The benefit transmitted in comparison with the benefit information of the selected card in the selected card may be the information on the higher card or the next month of the schedule information or the keyword included in the information.

The card issuance recommendation information receiving unit 107 receives the card issuance recommendation information from the card information management server 10 to which benefits can be applied in relation to the next month schedule information. Then, the user can confirm the received card issuing recommendation information and receive the necessary card.

In the past, when there were no benefits related to the next month's schedule, the card was searched for the cards to which the benefits could be applied and it was troublesome because the necessary cards were retrieved among the searched cards. However, according to the present invention, since a card having a high benefit in relation to schedule information is recommended, a user does not need a searching process, and a card having a higher benefit than a card being held can be presented.

<Description of Method>

A method of providing an electronic wallet system according to whether or not the performance criteria of the present invention is satisfied will be described with reference to the flowcharts shown in FIGS. 7 to 9 and the exemplary diagrams shown in FIG. 3 to FIG.

1. Step S710 of receiving card information or usage history information by card

Card information including benefit information according to an identifier of each card, an earnings standard for each card, and a performance standard from the database of the card information management server or the database of the terminal, or card information from the database of the card information management server, And receives usage history information.

2. Step S720 of determining whether the cumulative amount of the present month meets the performance standard of the default card

It is determined whether the lunar accumulated amount of the default card satisfies the performance standard of the default card based on the card usage history information received in step S710. The default card means a card used for payment. As described above, the accumulated monthly amount may be information transmitted from the card information management server, or information calculated based on the card usage history information of each card in the terminal.

3. Step of setting one of the cards that does not exceed the performance standard to the default card <S730>

If the accumulated amount of the default card in the current month satisfies the performance criterion in accordance with the determination result in the step S720, one of the cards that does not exceed the performance criterion is set as the default card. For example, if the terminal is set to the default card with the card identifier 2152CKL as shown in FIG. 3 and the settlement of 200,000 won is made with the set default card, the cumulative value of the current month becomes 370,000 won. In this case, as shown in FIG. 4, since the card satisfies the corresponding performance standard of 300,000 won of the card identifier 2152CKL, one of the cards that does not exceed the performance standard is set as the default card. Here, in the case where there are a plurality of cards that do not exceed the performance standard, the setting may be made automatically according to the information set by the user in advance in the terminal, or may be made by the user whenever the default card needs to be changed.

As described above, the present invention judges whether the accumulated amount of the default card in the current month meets the performance standard of the default card based on the information of each card, sets one of the cards that does not exceed the performance standard as a default card Therefore, the user does not need to check whether the actual usage of the cards he owns, that is, the cumulative amount of each card in the current month, exceeds the performance standard, and the user uses the card only to exceed the performance standard. There is an effect that can receive benefits.

On the other hand, in order for a user to receive a specific benefit in the next month, there is a problem that the accumulation amount of the present month of the card providing the specific benefit exceeds a predetermined degree, In order to solve the above problem, the present invention allows a default card to be set in consideration of the next month schedule, and the following steps are performed for this purpose.

1. Step S810 of receiving card information or usage history information for each card

Card information including the identifier of each card, the performance criterion for each card, and the benefit information according to the performance criterion, or the usage history information for each card.

2. Receiving the schedule information of the user < S820 >

It receives schedule information of the calendar rotor user stored in the calendar provided by the web or the database of the terminal like the Google calendar.

3. Step S830 of selecting a card to which the benefit can be applied in the next month's schedule

5, the schedule information is parsed to extract a keyword as shown in FIG. 5, and the keyword is extracted by parsing the schedule information. In step S820, the schedule information is analyzed based on the current time point, And a card corresponding to benefit information matched with the extracted keyword is selected.

4. Step S840 of determining whether the cumulative amount of the present month meets the performance standard of the default card

It is determined in step S830 whether the cumulative amount of the current month among the selected cards satisfies the performance criterion.

5. Set one of the cards that does not exceed the performance standard to the default card <S850>

As a result of the determination in the step S840, the card in which the accumulated amount of money in the selected card does not satisfy the performance criterion is set as the default card. In other words, matching the keywords such as "7 o'clock", "Gangnam", "Outback" extracted as shown in FIG. 5 with the benefit information shown in FIG. 3, the card identifier 3200BN4, "Lotte Department Store" In this regard, it can be seen that the card identifier 2152CKL can be set as the default card, and the setting can be made automatically or at the user's option according to the information set by the user in the terminal. In this step, the expected benefits of the card selected in the above-described step S830 are calculated, and the priority is determined in the order of the highest expected benefit. If the cumulative amount of the current month does not satisfy the performance standard, Set the card to the default card. That is, when the card identifiers 5116SSD and 7060KK are selected as the card whose cumulative amount of the current month does not exceed the performance standard as shown in FIG. 6, and the selected card provides discount rates of 20% and 25% The identifier 7066KKK is set as the default card.

As described above, according to the present invention, by analyzing the next month schedule, the terminal can select a card to which the benefit can be applied in the next month, and set it as a default card. For example, It is determined whether there is a discountable card in the "outback ", and if so, whether or not the cumulative amount of the card satisfies the performance criterion is determined, and the corresponding card is set as the default card until it is satisfied , The user does not need to look up the benefit information according to the performance standard of each card in order to receive a specific benefit in the next month and it is convenient because it is not necessary to check or record the cumulative amount of the card providing the specific benefit exceeding the performance standard .

In addition, by calculating the expected benefits of the selected cards, the priority is determined in descending order of the expected benefits, and by setting the card having the highest priority determined as the default card among the cards for which the cumulative amount of the current month does not satisfy the performance standard , The user can be provided with higher benefits, thereby maximizing the satisfaction of the user.

However, since there may be a card having a larger benefit than the card issued by the user, the present invention provides a card issuing recommendation function, and the following steps are performed.

1. Step S910 of receiving card information or usage history information for each card

Card information including the identifier of each card, the performance criterion for each card, and the benefit information according to the performance criterion, or the usage history information for each card.

2. Receiving the schedule information of the user < S920 >

It receives schedule information of the calendar rotor user stored in the calendar provided by the web or the database of the terminal like the Google calendar.

3. Step S930 of selecting a card to which the benefit can be applied in the next month schedule

In step S920, the schedule information is analyzed on the basis of the present time point to select a card to which the benefit can be applied in the next month schedule. The schedule information is parsed to extract keywords, And a card corresponding to the benefit information is selected.

4. Step S940 of transmitting at least a part of the schedule information to the card information management server

And transmits at least a part of the schedule information received in step S920 to the card information management server. The part is information on one or more cards in descending order of benefit with respect to a schedule among the card information stored in the database of the card information management server, or the card information management server receives the benefit information of the card selected in step S930 The benefit to be transmitted may be higher card information.

5. Step of receiving card issuing recommendation information < S950 >

From the card information management server, card issuance recommendation information to which benefits can be applied in connection with the next month schedule information. Then, the user can confirm the received card issuing recommendation information and receive the necessary card.

In the past, when there were no benefits related to the next month's schedule, the card was searched for the cards to which the benefits could be applied and it was troublesome because the necessary cards were retrieved among the searched cards. However, according to the present invention, since a card having a high benefit in relation to schedule information is recommended, a user does not need a searching process, and a card having a higher benefit than a card being held can be presented.

The method of providing the electronic wallet system according to whether or not the performance criteria according to the present invention is satisfied can be implemented in the form of a program command that can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and 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. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

The foregoing description is merely illustrative of the technical idea of the present invention and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas falling within the scope of the same shall be construed as falling within the scope of the present invention.

100: Electronic wallet system according to performance criteria

Claims (11)

A receiving unit for receiving card information or card use history information including an identifier of each card, an earnings standard for each card, and benefit information according to an earnings standard;
A determining unit for determining whether a current month's accumulated amount of a default card satisfies a performance standard of the default card based on the received card-based usage history information;
And setting a default card as a default card that does not exceed the performance standard set for each of the cards among the user's cards when the accumulated amount of the default card satisfies the performance criterion in accordance with the determination result Card setting unit;
A schedule information receiver for receiving the schedule information of the user; And
Analyzing a next month schedule based on a current time point of the received schedule information, parsing and extracting the keywords included in the next month schedule, extracting a card corresponding to benefit information matched with the extracted keyword, Include a benefit card selection section to select a card for which benefits can be applied,
Wherein the default card setting unit comprises:
A card whose cumulative amount of the current month among the cards selected by the benefit applying card selecting section does not satisfy the performance standard is set as the default card
Electronic wallet system according to whether or not performance standard is met. delete delete The method according to claim 1,
Wherein the default card setting unit comprises:
The expected benefit of the card selected by the benefit application card issuing unit is calculated, the priority order is determined in descending order of the expected benefits, and the card having the highest priority determined among the cards whose cumulative amount of the present month does not satisfy the performance standard Set to default card
Electronic wallet system according to whether or not performance standard is met. The method according to claim 1,
A schedule information transmission unit for transmitting at least a part of the schedule information to a card information management server; And
A card issuance recommendation information receiving unit for receiving card issuance recommendation information from the card information management server,
Based on the satisfaction of the performance criteria. (a) receiving, in a receiver of the electronic wallet system, card information or usage history information per card including an identifier of each card, an earnings standard for each card, and benefit information according to an earnings standard;
(b) determining by the determination unit of the electronic wallet system whether the accumulated monthly amount of a default card satisfies the performance standard of the default card based on the received card-specific usage information;
(c) when the default card setting unit of the electronic wallet system satisfies the performance criteria based on the determination result, if the accumulated value of the default card satisfies the performance criterion, Setting any one of the cards not to be used as a default card;
(d) receiving the schedule information of the user from the schedule information receiver of the electronic wallet system; And
(e) analyzing a next month schedule based on a current time point of the received schedule information at the benefit application card selection unit of the electronic wallet system, parsing and extracting the keywords included in the next month schedule, And selecting a card corresponding to benefit information matched with the benefit information as a card to which the benefit can be applied in the next month schedule,
In the step (c)
The card that has been selected in the step (e) and which does not satisfy the performance criterion is set as the default card
How to provide the electronic wallet system according to whether the performance standard is met. delete delete The method according to claim 6,
In the step (c)
The estimated benefit of the card selected in the step (e) is calculated, the priority is determined in descending order of the expected benefits, and the card having the highest priority determined among the cards whose cumulative amount of the present month does not satisfy the performance standard is set as the default Set by card
How to provide the electronic wallet system according to whether the performance standard is met. The method according to claim 6,
Transmitting at least a part of the schedule information to a card information management server in a schedule information transmitting unit of the electronic wallet system; And
The card issuing recommendation information receiving unit of the electronic wallet system receives from the card information managing server card issuing recommendation information to which benefits can be applied in connection with the next month schedule information
The method comprising the steps of: (a) receiving, in a receiver of the electronic wallet system, card information or usage history information per card including an identifier of each card, an earnings standard for each card, and benefit information according to an earnings standard;
(b) determining by the determination unit of the electronic wallet system whether the accumulated monthly amount of a default card satisfies the performance standard of the default card based on the received card-specific usage information;
(c) when the default card setting unit of the electronic wallet system satisfies the performance criteria based on the determination result, if the accumulated value of the default card satisfies the performance criterion, Setting any one of the cards not to be used as a default card;
(d) receiving the schedule information of the user from the schedule information receiver of the electronic wallet system; And
(e) analyzing a next month schedule based on a current time point of the received schedule information at the benefit application card selection unit of the electronic wallet system, parsing and extracting the keywords included in the next month schedule, And selecting a card corresponding to benefit information matched with the benefit information as a card to which the benefit can be applied in the next month schedule,
Wherein in the step (c), a program for executing a method of setting a card that does not meet the performance criteria with respect to the cumulative amount of money of the card selected in the step (e) is recorded in the computer Readable recording medium.

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