KR101928937B1 - Method and apparatus for extracting of card information and computer program for the same - Google Patents

Abstract

The present disclosure relates to a method and apparatus for region based card information extraction and a computer program therefor. The card information extracting apparatus according to an embodiment of the present disclosure receives card merchant information within a predetermined radius based on a predetermined position, calculates a usage amount for a predetermined period of time for each card held by a specific user, And the credit card-specific discount rate is calculated based on the credit card-based discount rate based on the amount of usage during a predetermined period of time, , And extracts information about the discountable card from the most card merchants.

Description

METHOD AND APPARATUS FOR EXTRACTION OF CARD INFORMATION AND COMPUTER PROGRAM FOR THE SAME,

The present disclosure relates to a method and apparatus for region based card information extraction and a computer program therefor.

Cash has been mainly used as a means for purchasing goods. Recently, however, credit cards or check cards are widely used because of convenience of possession, ease of payment, and various added benefits.

In addition, due to the development of transportation, people's activity area is getting wider. If you visit a new location that is not your primary location, you can find out which credit or check card you are most likely to get in the area, or if you have a credit card or check card with the highest number of discounted merchants Finding out can be difficult. It is also easy to find a credit card or check card that gives you the most discounts in the area, even if you are in the area where you are most active, or to find out which credit card or check card has the most number of discounted merchants. not.

In the case of recommending a specific card to the users according to the area where the card users are located, reflecting the tendency of the card users who have a plurality of cards and having various aspects, A card information extracting method and apparatus capable of helping the user to obtain a card information, and a computer program therefor.

According to another aspect of the present invention, there is provided a card information extracting method including: receiving card merchant information within a predetermined radius based on a predetermined location; Calculating a usage amount for a predetermined period for each card owned by a specific user; Calculating a discount benefit per card based on the amount of usage for the predetermined period for each card; And a control unit configured to control a card that is within a radius preset within a predetermined radius based on the predetermined location among the cards held by the specific user based on the card merchant information and the discount discount for each card, And extracting information.

According to another aspect of the present invention, there is provided a card information extracting method comprising the steps of: receiving card merchant point information existing within a predetermined radius based on a predetermined position; Calculating a usage amount for a predetermined period for each card owned by a specific user; Calculating a discount benefit per card based on the amount of usage for the predetermined period for each card; And extracting information on the card having the highest discount amount among the cards held by the specific user based on the card merchant information and the discount discount for each card.

In addition, in the card information extracting method according to the embodiment of the present disclosure, the predetermined period includes at least one period of one week, one month, one quarter, and one year.

In the card information extracting method according to an embodiment of the present disclosure, the step of calculating the discount discount for each card based on the usage amount for the predetermined period for each card may include: And calculating the discount discount for each card in consideration of whether or not the card satisfies the performance of the card and whether the limit of the card discount discount is exhausted.

In the card information extracting method according to the embodiment of the present disclosure, the step of calculating the amount of usage for a certain period of time for each card held by the specific user may include: The information on the discount amount for the consumption amount paid by using the card owned by the specific user for the consumer item is transmitted to the specific user of the specific user, From the user terminal of the terminal.

In addition, the card information extracting apparatus according to an embodiment of the present disclosure receives card franchise information existing within a predetermined radius based on a predetermined position, calculates a usage amount for a predetermined period of time for each card owned by a specific user Calculating a discount rate for each card based on the usage amount of the card for a certain period of time, calculating a discount rate of the card from among the cards held by the particular user based on the extracted card merchant information and the calculated discount rate for each card A processing unit for extracting information on a card which can be discounted from the largest number of card merchant points existing within a predetermined radius as a reference; And a storage unit for storing information on the predetermined location, the card merchant information, and the usage amount of the card for a predetermined period.

In addition, the card information extracting apparatus according to an embodiment of the present disclosure receives card franchise information existing within a predetermined radius based on a predetermined position, calculates a usage amount for a predetermined period of time for each card owned by a specific user And a control unit for calculating a discount rate for each card based on the amount of usage of the card for a predetermined period of time, calculating, based on the card merchant information and the discount per card, A processing unit for extracting information; And a storage unit for storing information on the predetermined location, the card merchant information, and the usage amount of the card for a predetermined period.

In addition, in the card information extracting apparatus according to the embodiment of the present disclosure, the predetermined period includes at least one period of one week, one month, one quarter, and one year.

In addition, in the card information extracting apparatus according to the embodiment of the present disclosure, the processing unit may consider whether or not the performance for the predetermined period for satisfying the card discount benefits and the exhaustion of the discount benefits for each card are considered Calculate the discount per card.

In addition, in the card information extracting apparatus according to the embodiment of the present disclosure, the processing unit may be configured such that the settlement message, which is settled on the predetermined consumption item by using the card held by the specific user, is transmitted to the user terminal of the specific user Collects information on the discount item with respect to the consumption amount settled by using the card held by the specific user for the consumer item from the user terminal of the specific user, And calculates the amount of use for the period.

In addition, the program according to the embodiment of the present disclosure is stored in the recording medium so as to execute the card information extracting method in the computer.

According to the present disclosure, card users may be provided with information on the card with the largest number of discounted merchants or the card with the largest discount amount depending on the area in which the card users are located.

BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is an exemplary diagram showing a configuration of a card information extraction environment according to an embodiment of the present disclosure; FIG.
2 is an exemplary view showing a configuration of a card information server according to an embodiment of the present disclosure.
3 is a flowchart illustrating a procedure of a card information extraction service providing method according to an embodiment of the present disclosure.

The embodiments of the present disclosure are illustrated for the purpose of describing the technical idea of the present disclosure. The scope of the claims according to the present disclosure is not limited to the embodiments described below or to the detailed description of these embodiments.

All technical and scientific terms used in the present disclosure have the meaning commonly understood by one of ordinary skill in the art to which this disclosure belongs unless otherwise defined. All terms used in the disclosure are selected for the purpose of more clearly illustrating the disclosure and are not chosen to limit the scope of the rights under the present disclosure.

As used in this disclosure, expressions such as " comprising, "" having," "having, " and the like, unless the context requires otherwise, (open-ended terms).

The expressions of the singular forms described in this disclosure may include plural meanings unless the context clearly dictates otherwise, and the same applies to the singular expressions set forth in the claims.

As used in this disclosure, expressions such as " first ", "second ", and the like are used to distinguish a plurality of components from each other and do not limit the order or importance of the components.

The term "part " as used in this disclosure refers to hardware components such as software or an FPGA (field-programmable gate array), ASIC (application specific integrated circuit). However, "part" is not limited to hardware and software. "Part" may be configured to reside on an addressable storage medium, and may be configured to play back one or more processors. Thus, by way of example, and not limitation, "part (s) " may include but are not limited to elements such as software components, object oriented software components, class components and task components, Microcode, circuitry, data, databases, data structures, tables, arrays, and variables of program code. The functions provided within the component and the "part " may be combined into a smaller number of components and" parts " or further separated into additional components and "parts ".

As used in this disclosure, the expression "based on" is used to describe one or more factors affecting an action or an action of a decision, judgment, as described in the phrase or sentence in which the expression is contained, It does not exclude any additional factors that affect the decision, act of judgment or action.

In the present disclosure, when an element is referred to as being "connected" or "connected" to another element, it is to be understood that the element may be directly connected to or connected to the other element, But may be connected or connected via other components.

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. In the accompanying drawings, the same or corresponding components are denoted by the same reference numerals. In the following description of the embodiments, description of the same or corresponding components may be omitted. However, even if the description of the components is omitted, such components are not intended to be included in any embodiment.

BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is an exemplary diagram showing a configuration of a card information extraction environment according to an embodiment of the present disclosure; FIG.

1, the card information extraction environment 100 includes a card information server 110, a card information server 110, a position information server 120 connected to the card information server 110 via a network N, 130-n that are connected to the location information server 120 and the network N so as to communicate with the location information server 120 and the location information server 120 via the network N. The at least one user terminal 130-1, In one embodiment, the network N may be a local area network (LAN), a wide area network (WAN), a value added network (VAN), a personal area network (PAN) ), A mobile radio communication network, a wireless broadband Internet (Wibro), a mobile WiMAX, a high speed downlink packet access (HSDPA) or a satellite communication network. Although the card information server 110 and the location information server 120 are shown separately in FIG. 1, the location information server 120 may be coupled to the card information server 110 to form a single server .

The user terminal 130-n may be connected to the card information server 110 at a remote location via the network N or may be connected to a computer, a portable terminal, a wearable Device (Wearable Device). Here, the computer includes, for example, a desktop computer equipped with a web browser (WEB Browser), a laptop computer, and the like, and the portable terminal may be, for example, a wireless communication device , Personal Communication System (PCS), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Global System for Mobile communications (GSM), International Mobile Telecommunication (IMT) (W-CDMA), Wibro (Wireless Broadband Internet), Smart Phone, Mobile WiMAX (Mobile Worldwide Interoperability for Microwave Access) (Handheld) based wireless communication device. Further, the wearable device is an information processing device of a type that can be directly worn on a human body, such as a watch, a pair of glasses, an accessory, clothes, shoes, etc., Or may be connected to another user terminal.

When a card user carries out payment for a specific commodity using a card (credit card or check card), a payment message may be transmitted to the user terminal 130-n used by the card user. In one embodiment, the payment message may include consumption pattern information on a merchant name, a consumed item, a consumption amount, a consumption date and the like. When a program or an application for calculating the card discount benefit is installed in the user terminal 130-n, the program or application for calculating the card discount benefit may recognize the payment message sent to the user terminal 130-n And can extract the consumption pattern information from the payment message. The user terminal 130-n may transmit the extracted consumption pattern information to the card information server 110 via the network N. [

 Also, when the user terminal 130-n accesses the card information server 110, a web browser for inputting consumption pattern information of the user may be executed on the user terminal 130-n. The user terminal 130-n receives the consumption pattern information from the card user through the displayed web browser and transmits the consumption pattern information received from the card user to the card information server 110. [ The user terminal 130-n receives location information from the user or recognizes the location information of the location where the user terminal 130-n is located, forms location information, and transmits the formed location information to the card information server 110 Lt; / RTI > Here, the location information may include a specific location on the map (coordinates of latitude and longitude), a subway station, a name on the administrative area (names of special cities, metropolitan cities, cities, cities, counties, etc.). In addition, the user terminal 130-n receives information on a card that can be discounted from the largest number of card merchants received from the card information server 110 and information on the card with the highest discount amount among the cards held by the user Can be displayed.

When the card information server 110 receives the location information from the user terminal 130-n, the card information server 110 extracts the stored card information held by the user using the user terminal 130-n that has transmitted the location information, It is possible to transmit the position information received by the information server 120 and receive the card merchant point information within a predetermined radius based on the position corresponding to the position information from the position information server 120. [ Here, the predetermined radius may include a distance of several meters to several hundreds of meters, but is not limited thereto. When the card information server 110 receives the location information, it calculates the amount of usage for a certain period of time for each card owned by the user using the user terminal 130-n that has transmitted the location information, You can calculate the discount per card based on the usage for a while. Here, the predetermined period may include at least one period of one week, one month, one quarter, and one year, but is not limited thereto. In addition, the discount per card may include information on at least one of a discount rate, a point use and an accumulation rate, a mileage use, and an accumulation rate applied to each card merchant. In the case of calculating the amount of usage for a predetermined period of time for each card held by a specific user, a payment message for payment of a predetermined consumption item is transmitted to a user terminal 130-n of a specific user using a card held by the specific user However, the present invention is not limited to this. For example, the present invention is not limited thereto. For example, the present invention can collect information on a discounted discount on a predetermined consumption item using a card owned by a specific user. When the card information server 110 calculates a discount benefit per card based on the amount of usage for a specific card owned by a specific card user during a predetermined period, You can calculate the discount per card considering the limit of the discount. Also, the card information server 110 can calculate the number of merchants that can discount each user's card using the user terminal 130-n using the received card merchant information and the extracted card information , Information on a card that can be discounted at the largest number of cards owned by a user using the corresponding user terminal 130-n among the card merchant points extracted using the calculated number of merchantable discounts per reserved card Can be extracted. Also, the card information server 110 can calculate the discounted amount of each card owned by the user using the corresponding user terminal 130-n for each merchant using the received card merchant information and the extracted card information, It is possible to extract information on the card having the highest discount amount among the cards held by the user by using the discounted amount of each card possessed by each merchant. In addition, the card information server 110 can transmit the information on the discountable card and the information on the card with the highest discount amount from the most card merchant points extracted by the user terminal 130-n that transmitted the location information have.

2 is an exemplary view showing a configuration of a card information server according to an embodiment of the present disclosure.

2, the card information server 110 may include a processing unit 112, a storage unit 114, a communication unit 116, and a system bus 118. [ In one embodiment, the processing unit 112, the storage unit 114, and the communication unit 116 may be connected to communicate with each other via the system bus 118. [

The processing unit 112 receives information on the card that can be discounted at the largest number of card merchant stores and information on the card with the highest discount amount based on the location information received from the specific user terminal 130-n via the communication unit 116 Can be extracted. That is, the processing unit 112 calculates the amount of usage for a predetermined period of time for each card owned by a specific user, calculates a discount benefit for each card based on the amount of usage for a predetermined period for each card, Receives card merchant information existing within a predetermined radius based on a predetermined position corresponding to the position information from the server 120, and based on the received card merchant information and the calculated discount per card, It is possible to extract information on the card that can be discounted at the most card merchant stores and information on the card having the highest discount among the cards held by the specific user. In addition, the processing unit 112 may calculate the discounted benefits for each card in consideration of whether the card fulfills the performance for a predetermined period to receive the card discount discount and whether the card discount limit is exhausted. Further, the processing unit 112 stores a card held by a specific user for a consumed item every time a payment message, which has been paid for a predetermined consumer item, is transmitted to a user terminal of a specific user by using a card held by a specific user Information on the discounted discount on the consumption amount paid by using the card can be collected from the user terminal of the specific user, and the amount of usage for a certain period of time for each card owned by the specific user can be calculated.

The storage unit 114 stores location information received from the specific user terminal 130-n via the communication unit 116, information on discount benefits for each card, You can store information about whether the limit of card discounts is exhausted. In one embodiment, the storage unit 114 may be a ROM (Read Only Memory), a RAM (Random Access Memory), a CD (Compact Disc) -ROM, a magnetic tape, a floppy disc, Optical data storage, or carrier waves (e.g., transmission over the Internet), but are not limited to such implementations.

The communication unit 116 can transmit and receive signals for providing the card information extraction service to the card information server 110 and the location information server 120 by the card information server 110. [ In one embodiment, the communication unit 116 may receive location information from a specific user terminal 130-n and may transmit the location information to the specific user terminal 130-n that transmitted the location information, Information on a card which can be discounted at many card merchant stores and information on a card having a highest discount amount among the cards held by a specific user can be transmitted.

3 is a flowchart illustrating a procedure of a card information extraction service providing method according to an embodiment of the present disclosure. Although process steps, method steps, algorithms, and the like have been described in this flowchart in a sequential order, such processes, methods, and algorithms may be configured to operate in any suitable order. In other words, the steps of the processes, methods and algorithms described in the various embodiments of the present disclosure need not be performed in the order described in this disclosure. Also, although some of the steps are described as being performed asynchronously, some of these steps may be performed concurrently in other embodiments. Also, an illustration of a process by way of illustration in the drawings is not intended to imply that the illustrated process excludes other variations and modifications thereto, and that any of the illustrated processes or steps thereof may be used in various embodiments of the present disclosure Does not imply that it is necessary for more than one, and does not mean that the illustrated process is preferred.

As shown in Fig. 3, in step S310, card franchise information existing within a predetermined radius based on a predetermined position may be received. 1 and 2, the card information server 110 receives position information from a specific user terminal (for example, 130-n), and determines a predetermined position corresponding to the received position information as a reference From the location information server 120, the card merchant information existing within a predetermined radius. In one embodiment, when a specific card user carries his or her own user terminal 130-n and moves to a specific area to drive an application or program for card information extraction, the user terminal 130- And the position information including the calculated GPS coordinates can be formed by calculating the GPS (Global Positioning System) coordinates of the GPS. The user terminal 130-n transmits the formed location information to the card information server 110, and the card information server 110 can transmit the received location information to the location information server 120. [ The location information server 120 can extract card merchant point information existing within a predetermined radius (for example, 300 m) from a point corresponding to the GPS coordinates based on the received location information, To the information server 110.

In step S320, the amount of usage for a certain period of time for each card held by a specific user may be calculated. For example, referring to FIGS. 1 and 2, the card information server 110 may calculate a usage amount of a specific user for a certain period of time per card. When the card information server 110 calculates the amount of usage for a certain period of time for each card owned by a specific user, the payment message, which is paid for the predetermined consumption item by using the card held by the specific user, (130-n) from the user terminal 130-n of the specific user, the information about the discounted discount on the consumption amount paid by using the card owned by the specific user for the predetermined consumption item But is not limited thereto.

In step S330, the card-based discount rate may be calculated based on the calculated amount of usage for each card. For example, referring to FIGS. 1 and 2, the card information server 110 may calculate a discount per card based on a usage amount of a specific user for a predetermined period. In one embodiment, the discount per card may include, but is not limited to, information on at least one of discount rate, point use and accumulation rate, mileage usage and accumulation rate applied to each card merchant. When the card information server 110 calculates a discount benefit per card based on the amount of usage for a specific card owned by a specific card user during a predetermined period, You can calculate the discount per card considering the limit of the discount.

In step S340, based on the card merchant information and the discount discount for each card, information on the card that can be discounted at the most card merchant stores and information on the card with the highest discount amount can be extracted. For example, referring to FIG. 1 and FIG. 2, the card information server 110 may transmit the corresponding user terminal 130-n using the card merchant information received from the location information server 120 and the extracted card information The number of the franchisees that can discount the user's possessed card is calculated, and the user who uses the corresponding user terminal 130-n among the card franchisees extracted using the calculated number of franchisee discounts It is possible to extract information on a card which can be discounted at the largest number of cards in the card shop. Also, the card information server 110 can calculate the discounted amount of each card owned by the user using the corresponding user terminal 130-n for each merchant using the received card merchant information and the extracted card information, It is possible to extract information on the card having the highest discount amount among the cards held by the user by using the discounted amount of each card possessed by each merchant.

Although the method has been described through particular embodiments, the method may also be implemented as computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And, functional programs, codes, and code segments for implementing the above embodiments can be easily inferred by programmers in the technical field to which this disclosure belongs.

Although the present disclosure has been described in connection with some embodiments herein, it should be understood that various modifications and changes may be made thereto without departing from the spirit and scope of the present disclosure as will be apparent to those skilled in the art to which this disclosure belongs. something to do. It is also contemplated that such variations and modifications are within the scope of the claims appended hereto.

100: card information extraction environment 110: card information server
120: Location information server 130-1, ..., 130-n:
112: Processor 114:
116: communication unit 118: system bus

Claims (11)

A method for extracting card information from a card information extracting device,
Receiving card merchant point information existing within a predetermined radius based on the position;
Calculating a usage amount for a predetermined period for each card owned by a specific user;
Calculating discount discounts for each card in consideration of satisfaction of the performance during the predetermined period to receive the discount discount for each card and whether or not the discount limit for each card is exhausted; And
Information on a card that can be discounted at the largest number of card merchant points among the card merchant points existing within a predetermined radius based on a predetermined position among the cards that meet the performance for the predetermined period and the limit of the discount benefit per card exists And extracting the card information. The method according to claim 1,
The card information extracting method includes:
And extracting information on a card having a highest discount amount among the cards held by the specific user based on the card merchant information and the discount discount for each card. The method according to claim 1,
During the predetermined period,
1 week, 1 month, 1 week, 1 year,
Card information extraction method. delete The method according to claim 1,
Wherein the step of calculating the usage amount of the specific user for a certain period of time,
And a credit card accepting unit for accepting payment of the consumer item by using a card held by the specific user whenever a payment message for payment of a predetermined consumer item by using the card held by the specific user is transmitted to the user terminal of the specific user And collecting information on a discount for a consumption amount from a user terminal of the specific user. A card information extracting apparatus comprising:
The card merchant information within a predetermined radius on the basis of the position is calculated and the usage amount for a certain period of each card held by the specific user is calculated and the satisfaction of the performance during the predetermined period And calculating a discount rate for each of the cards in consideration of whether or not a discount limit of the card has been exhausted, A processor for extracting information on a card that can be discounted at a card merchant point among a plurality of card merchant points within a radius; And
And a storage unit for storing information on the predetermined location, the card merchant information, and the usage amount of the card for a predetermined period of time. The method according to claim 6,
Wherein,
Extracts information on a card having a highest discount amount among the cards held by the specific user based on the card merchant point information and the discount discount for each card,
Wherein,
And stores information on the predetermined location, the card merchant information, and the amount of usage for a certain period of time by the card. The method according to claim 6,
During the predetermined period,
1 week, 1 month, 1 week, 1 year,
Card information extracting device. delete The method according to claim 6,
Wherein,
And a credit card accepting unit for accepting payment of the consumer item by using a card held by the specific user whenever a payment message for payment of a predetermined consumer item by using the card held by the specific user is transmitted to the user terminal of the specific user Collecting information on a discount benefit for a consumption amount from a user terminal of the specific user, and calculating an amount of usage for a predetermined period of time for each card owned by the specific user. A program stored in a recording medium for causing a computer to execute the card information extracting method of claim 1.

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