KR102351009B1 - Apparatus and method for marketing - Google Patents

Abstract

A marketing device is provided. The marketing device may include: a user analysis unit configured to acquire a first pattern related to the user's consumption life and a second pattern related to the user's financial life; and a marketing target inquiry unit that selects future customers of the affiliated store by using the first pattern and the second pattern together.

Description

MARKETUS AND METHOD FOR MARKETING

The present invention relates to a marketing apparatus and method for selecting a marketing target and performing marketing on the selected target.

It is difficult for small and medium-sized businesses (self-employed) to have their own marketing channels due to size and cost problems.

The marketing channels that small and medium-sized business owners have in the past include offline channels such as TV, radio, and newspapers, and online channels such as search engine advertisements, specific site advertisements, email advertisements, and SNS advertisements. However, most of these marketing channels target an unspecified majority, and even if marketing to a specific group is possible, most of them reflect demographic characteristics.

Since such marketing targets an unspecified number of people, the cost is excessive compared to the marketing effect, and there is a problem in that it is difficult to improve the marketing efficiency because it is difficult to accurately analyze the marketing effect.

In addition, since it is difficult for small and medium-sized businesses to obtain information on previously visited consumers, marketing for re-visiting is limited, and marketing to consumers who have not visited but are highly likely to visit is also difficult.

In the end, this conventional marketing method brings low-efficiency and high-cost problems for small and medium-sized businesses, and indiscriminate advertisement exposure to consumers.

Korean Patent Application Laid-Open No. 10-2019-0027202 discloses a technology that selects a certain number of customers who are highly likely to visit a franchise based on the customer's consumption pattern, consumption region, and purchase time, and sends advertisements to the selected customers. have.

Korean Patent Publication No. 10-2019-0027202

An object of the present invention is to provide a marketing apparatus and method capable of improving the effectiveness of selection of marketing targets.

The marketing device of the present invention includes: a user analysis unit for acquiring a first pattern related to a user's consumption life and a second pattern related to the user's financial life; and a marketing target inquiry unit that selects future customers of the affiliated store by using the first pattern and the second pattern together.

The marketing method of the present invention acquires a user's consumption life pattern and financial life pattern, predicts a change in the consumption life pattern using the financial life pattern, and uses the consumption life pattern and financial life pattern of a customer who uses a specific affiliated store Thus, an affiliated store pattern for the specific affiliated store is identified, a specific user whose consumption life pattern predicted among a plurality of users meets the affiliated store pattern is selected as a prospective customer for the specific affiliated store, and for the selected future customer You can do marketing.

According to the present invention, a realistic affiliated store customized marketing is possible using information that combines a consumption life pattern and a financial life pattern.

Specifically, the marketing apparatus of the present invention may select a future customer who is highly likely to visit an affiliated store (small business owner) by combining a consumption life pattern by analyzing the consumer's consumption propensity and a financial life pattern by analyzing financial information.

The marketing apparatus of the present invention may automatically perform customized advertisements and marketing for selected future customers to protect user information.

The marketing device of the present invention provides financial life patterns such as the consumer's financial situation and financial life events (payday, maturity of financial products, payment of interest, etc.) By combining them, it is possible to more precisely perform consumer's consumption propensity and consumption prediction.

Franchisees can know information about consumers that was previously difficult to know (information related to personal life is limited), perform more sophisticated marketing based on predictive information about consumers' consumption and financial situation, and analyze marketing effects It can also be done with precision.

In addition, consumers can experience marketing that is suitable for them in terms of content and timing, rather than marketing that is exposed indiscriminately, and that is appropriate for their current consumption and financial situation.

Accordingly, the probability of successful marketing increases in the affiliate store, and as the cost decreases, an incentive to provide more benefits and services to consumers may be generated.

Advertising and marketing-related technologies based on consumption patterns have already existed, but most are methods that combine individual consumption lifestyles and demographic characteristics. In addition, there is a problem in that the financial life part, which has a great influence on an individual's consumption life, is not reflected.

According to the present invention, even a part of financial life that has not been considered in the past can be reflected. Accordingly, it is possible to reflect the influence of an individual's financial life on consumer life, and even predict changes in consumer life according to changes in financial life.

According to the present invention, it is possible to accurately predict information about which consumer will visit and when, and the affiliate store can perform more sophisticated marketing based on such information. Since such marketing does not target an unspecified number of people, it is possible to perform targeted marketing with low cost and high effectiveness. In other words, since the affiliate store can predict in advance what kind of consumption propensity to visit and what kind of financial life/event to visit, it is much more effective than marketing targeting an unspecified majority.

Consumers are less likely to be exposed to marketing that is not necessary for them, and the reduction in marketing costs can be returned to benefits such as discounts and coupons. This comes as a different experience to consumers who are tired of indiscriminate marketing, and the consumer can experience practical benefits and obtain a different level of satisfaction from existing marketing.

Since this technology is based on the actual consumption history of consumers, it can be applied and applied to various fields such as financial services (loans, factoring) based on sales information and analysis of marketing effects of affiliated stores in addition to the above description.

In addition, it is possible for consumers to apply and apply in various fields, such as evaluating affiliated stores based on their actual consumption history or having a direct communication channel with affiliated stores.

1 is a schematic diagram showing a marketing device of the present invention.
Figure 2 is a block diagram showing the marketing device of the present invention.
3 is a flowchart illustrating a marketing method of the present invention.
4 is a schematic diagram illustrating an operation of a first analysis unit.
5 is a graph related to the analysis of binding patterns.
6 is a diagram illustrating a computing device according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, the embodiments of the present invention will be described in detail so that those of ordinary skill in the art to which the present invention pertains can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

In the present specification, duplicate descriptions of the same components will be omitted.

Also, in this specification, when it is said that a certain element is 'connected' or 'connected' to another element, it may be directly connected or connected to the other element, but other elements in the middle It should be understood that there may be On the other hand, in this specification, when it is mentioned that a certain element is 'directly connected' or 'directly connected' to another element, it should be understood that the other element does not exist in the middle.

In addition, the terms used herein are used only to describe specific embodiments, and are not intended to limit the present invention.

Also, in this specification, the singular expression may include the plural expression unless the context clearly dictates otherwise.

Also, in this specification, terms such as 'include' or 'have' are only intended to designate that the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist, and one or more It is to be understood that the existence or addition of other features, numbers, steps, operations, components, parts, or combinations thereof, is not precluded in advance.

Also in this specification, the term 'and/or' includes a combination of a plurality of described items or any item of a plurality of described items. In this specification, 'A or B' may include 'A', 'B', or 'both A and B'.

Also, in this specification, detailed descriptions of well-known functions and configurations that may obscure the gist of the present invention will be omitted.

1 is a schematic diagram showing a marketing device of the present invention.

The marketing apparatus of the present invention may include a financial server 90 , a marketing server 100 , and an affiliated store terminal 10 .

Users can purchase goods or services provided by affiliated stores (including small and medium-sized businesses and various stores) using cash or credit card. The financial server 90 may communicate with a POS terminal and approve, manage, and supervise payment of a user's cost through the POS terminal. As an example, the financial server 90 may include a credit card company server.

The financial server 90 that approves or manages the user's payment of expenses may also manage the user's personal information for integrity verification and the like. Information on goods that the user pays for and purchases, information on services, and information on affiliated stores visited by the user may also be provided to the financial server 90 .

As a result, the financial server 90 may store a user's consumption pattern related to the purchase of goods and services, personal information of a customer who has visited a specific affiliated store, and affiliate store information such as items/sales of a specific affiliated store.

The financial server 90 may include a bank server that manages the user's deposit and withdrawal of expenses to a bank or a securities company. The financial server 90 may store the user's financial life pattern related to the deposit and withdrawal of expenses to a bank or a securities company.

The financial server 90 may store various information such as a consumption life pattern and a financial life pattern of the user. This right of the financial server 90 is possible because strong security for personal information is guaranteed.

The marketing server 100 may select a user having a high probability of visiting a specific affiliate store or a user having a high marketing effect for the specific affiliate store. The marketing server 100 may perform marketing for a specific affiliate store for the selected user.

The marketing server 100 may utilize various personal information of the user and various information of the affiliated store to select the user. In order to prevent leakage of information utilized in the marketing server 100 , security activities performed in the marketing server 100 for various types of information may be performed according to the financial server 90 . The marketing server 100 may select a user corresponding to a specific affiliated store at the request of a specific affiliated store, and may perform marketing on the selected user. On the other hand, the marketing server 100 may provide only extremely limited information about the user to the affiliate store in order to protect personal information, or may not provide any information about the user to the affiliate store.

For security enhancement, the marketing server 100 may be formed integrally with the financial server 90 .

The affiliate store terminal 10 may be installed in the affiliate store or may be possessed by the store owner of the affiliate store. The terminal may communicate with the marketing server 100 . The terminal may request the marketing server 100 to perform marketing for the affiliated store. The marketing server 100 may deliver a marketing execution result to the terminal. Alternatively, the marketing server 100 may transmit extremely limited user information required for marketing, for example, contact information for sending a marketing text message to the terminal. It is preferable that any information related to the possible user is not provided to the terminal.

A comparative example in which only the consumption characteristics of consumers are identified and reflected in the marketing service may exist. However, according to the comparative example, there is a problem in that the financial life part, which has a great influence on an individual's consumption life, is not reflected at all. In fact, various studies have pointed out that financial and non-financial assets have a significant influence on consumption. Lee Sang-cheol, Analysis of the effect of household debt variables on household consumption, Korean Finance Association)

After all, the marketing method of the comparative example is effective under the assumption that the past consumption life will continue to be maintained and repeated in the future. Therefore, according to the characteristics of marketing targeting the future rather than the present, there is a problem in that it is difficult to determine whether the consumer has the ability to consume at the time of providing the marketing. Therefore, in the case of the comparative example, the marketing effect on the user is inevitably limited. In addition, according to the comparative example, there is a problem in that the possibility that the consumption life pattern may change according to the change in the financial life pattern is not reflected.

Figure 2 is a block diagram showing the marketing device of the present invention. The marketing device shown in FIG. 2 may represent the marketing server 100 of FIG. 1 .

The marketing apparatus shown in FIG. 2 may include a user analysis unit 110 and a marketing target inquiry unit 150 .

The user analysis unit 110 may acquire a first pattern related to the user's consumption life and a second pattern related to the user's financial life.

The first pattern may include a history of a user paying a fee at a specific affiliate store to obtain goods or services. The first pattern may include user information, purchase time, purchase location, affiliate store information, purchase target, purchase history, and the like.

The second pattern may include a history of depositing or withdrawing a certain amount of money by the user to or from a financial sector such as a bank or a securities company. The second pattern may include information such as an amount that the user has saved in a bank, an amount borrowed from a bank, etc., the maturity date of the savings account, the maturity amount of the savings account, the repayment date of the loan, the loan interest amount, the loan interest payment date, and the like.

The marketing target inquiry unit 150 may select future customers of the affiliated store by using the first pattern and the second pattern together. The marketing target inquiry unit 150 may accurately select future customers by using a second pattern in addition to the first pattern secured from the user analysis unit 110 .

It is good that the target of marketing for the affiliated store is for users who are likely to visit the affiliated store in the future. Accordingly, prospective customers may include not only current customers, but also users who are not current customers but who are likely to become customers in the future.

The user analysis unit 110 , the affiliate store analysis unit 130 , and the marketing target inquiry unit 150 may select future customers in various ways.

For example, the user analysis unit 110 may generate a combined pattern in which the first pattern and the second pattern are combined. Future financial events may be further bound to the binding pattern. The combination pattern may be a combination of a future financial event in addition to the first pattern and the second pattern. The future financial event may include various events in which the user's assets are rapidly changed, such as the maturity of a savings account and the repayment of a loan, which are generated at a time to come.

The binding pattern itself may relate to an individual's life pattern independent of the affiliated store. Accordingly, the affiliated store analysis unit 130 may be provided to process other information that can connect the combination pattern and the affiliated store.

When determining the combination pattern of the customer who has previously visited the affiliated store as the customer pattern, the affiliated store analysis unit 130 may analyze the affiliated store pattern using the customer pattern. The affiliated store pattern for a specific affiliated store may be the multiple customer pattern itself of multiple customers who have visited the specific affiliated store, or may be an accumulated and analyzed customer pattern of multiple customers.

The marketing target inquiry unit 150 may select a specific user having a combination pattern matching the affiliated store pattern as the marketing target.

As another example, the user analysis unit 110 may analyze the coupling pattern for each set section. The user analysis unit 110 may calculate the expected change range of the future coupling pattern by comparing the change state for each section of the coupling pattern with a previously built pattern conversion estimate.

The marketing target inquiry unit 150 may select a future customer by using the expected variation range of the future coupling pattern.

As another example, the user analyzer 110 may analyze a correlation between the change in the second pattern and the change in the first pattern.

The user analysis unit 110 may predict a future change of the second pattern through analysis of the second pattern that satisfies a set period.

The user analysis unit 110 may predict a future change of the first pattern by using the predicted future change of the second pattern.

The marketing target inquiry unit 150 may select a future customer based on a predicted future change of the first pattern.

On the other hand, the personal information of the future customer selected by the marketing target inquiry unit 150 is preferably used for marketing. In order to perform various types of marketing such as providing advertisement information and event information, personal information such as information on a target for which various types of information is provided, that is, personal information such as contact information, is required. However, if personal information of future customers is provided to the affiliate store without the user's consent, it may be very unpleasant from the user's point of view. The user will request blocking of various information about the affiliated store, and as a result, the marketing service itself may become impossible.

In order to block a phenomenon in which unlimited personal information is transmitted to the affiliated store, a marketing execution unit 170 may be additionally provided in the marketing device of the present invention.

The marketing execution unit 170 may automatically execute marketing for a specific affiliate store for the future customer selected by the marketing target inquiry unit 150 . For example, the marketing execution unit 170 may automatically select a type of marketing for a future customer according to whether or not a visit to the affiliated store is made. Various types of marketing automatically performed by the marketing execution unit 170 may be previously set by the affiliate store.

The marketing execution unit 170 may select and execute marketing to be provided to consumers, such as a sale event, a free gift event, a coupon, or a discount, according to the circumstances of the affiliated store.

For example, the marketing execution unit 170 may send a benefit coupon according to the first visit to a future customer who has not previously visited but matches the affiliated store pattern. The marketing execution unit 170 may send a discount coupon for inducing a re-visit to the previously visited customer.

The marketing execution unit 170 may be completely separated from the affiliate store in terms of personal information. As a result, personal information of future customers may not be provided to the affiliated store terminal 10 despite marketing.

The marketing execution unit 170 may transmit a message inducing consumption life for the affiliated store to the registered terminal of the future customer. The registration terminal may include a mobile communication terminal such as a smart phone, a computer, and the like.

The marketing execution unit 170 may identify a financial event included in the second pattern. The marketing execution unit 170 may automatically change the content of the message according to a financial event related to an increase or decrease in assets of a future customer.

The marketing execution unit 170 may configure marketing to be appropriate for a financial event. For example, the marketing execution unit 170 may send a message inducing consumption at a higher level than the existing consumption to the consumer whose financial product is expected to expire. The marketing execution unit 170 may send a message to induce consumption at a low level to consumers who are expected to repay interest or repay the principal on the loan.

The marketing execution unit 170 may display self-executed marketing information or marketing information executed by an affiliated store on the user's registered terminal. The display method may take various methods such as push, text, e-mail, and inside the application.

The user analysis unit 110 and the marketing target inquiry unit 150 may operate by targeting a specific affiliated store according to a command of the marketing execution unit 170 that communicates with the specific affiliated store.

Communication between the user analysis unit 110 and the specific affiliated store and communication between the marketing target inquiry unit 150 and the specific affiliated store may be cut off. The marketing execution unit 170 may provide only the execution result to the specific affiliate store after performing marketing for the future customer. Alternatively, the marketing execution unit 170 may provide only the contact information of the future customer to the affiliate store, excluding the first pattern, the second pattern, and the combination pattern of the first pattern and the second pattern.

When the marketing request of the affiliated store is received, the marketing execution unit 170 performing marketing for the future customer includes a first pattern, a second pattern, a combination pattern of the first pattern and the second pattern, and identification information of the future customer. Personal information may not be provided to the affiliated store. The marketing execution unit 170 may automatically perform marketing for future customers in a state in which personal information is not provided.

When a marketing request from an affiliated store is received, the marketing execution unit 170 does not provide the first pattern, the second pattern, or a combination pattern of the first pattern and the second pattern, and only provides contact information of future customers to the affiliated store. . If necessary, instead of the first pattern and the second pattern for a specific user, a common first pattern and a common second pattern of customers who prefer a corresponding affiliate store may be provided. Franchisees can clearly identify the main customer base using the common first pattern and common second pattern, and can apply the information to various marketing later.

The user analyzer 110 may include a first collecting unit 111 , a first analyzing unit 113 , a second collecting unit 115 , a second analyzing unit 117 , and a coupling unit 119 .

The first collection unit 111 may collect the consumption history of the user. The first collection unit 111 may communicate with the financial server 90 and obtain the user's consumption history from the financial server 90 . The first collection unit 111 may collect consumption information such as credit card, check card, cash receipt, cash payment, and account transfer through a consumer, a bank, a credit card company, the National Tax Service, and the like. As the collection method, various methods such as API interworking, screen scraping, text scraping, and direct consumer input may be used.

The first collection unit 111 may store the collected consumption details by itself or in a separate database.

4 is a schematic diagram illustrating an operation of the first analysis unit 113 .

The first analysis unit 113 may identify a specific consumption pattern matching the user's consumption history among a plurality of standardized consumption patterns.

The first analysis unit 113 may identify the most similar form among the consumption life pattern types set previously based on the consumption information (consumption history) ① collected from the first collection unit 111 . The consumption life pattern format may include information standardized into several types of consumption lifestyle types of consumers. For example, the consumption life pattern related to the purchase of daily necessities may be stereotyped into type 1a preference for hypermarkets, type 1b preference for convenience stores, type 1c preference for online shopping, and the like. As a result of the analysis, if it is determined that the user's consumption history ① is the type 1c that prefers online shopping, the first analyzer 113 may classify the consumption type for purchasing daily necessities for the corresponding user into the type 1c that prefers online shopping.

In relation to coffee drinking, it may be standardized into a type that prefers a large franchise, a type that prefers a small cafe, and the like.

The first analysis unit 113 may identify the consumer's consumption pattern based on the standardized type. Each consumer may have a plurality of consumption life patterns. The consumption life pattern may be calculated for each predetermined period, and may be newly updated whenever new consumption life information is reflected.

The second collection unit 115 may collect the user's financial details. The second collection unit 115 may communicate with the financial server 90 and obtain the user's financial details from the financial server 90 . The second collection unit 115 may collect financial information such as deposit, investment, insurance, and loan through a consumer, a bank, a securities company, an insurance company, a credit card company, and the like. As the collection method, various methods such as API interworking, screen scraping, text scraping, and direct consumer input may be used.

The second collection unit 115 may store the collected financial details by itself or in a separate database.

The second analysis unit 117 may identify a specific financial life pattern matching the user's financial details among a plurality of standardized financial life patterns.

The second analysis unit 117 may identify the most similar form among previously set financial life pattern types based on the collected financial information (financial details) and combine the financial life event information.

The financial life pattern format may include information that has been formalized into several types of financial life patterns of consumers. For example, the financial life pattern related to consumption capacity may be stereotyped as a type with no debt and abundant liquidity, a type with no debt but no liquidity, a type with low debt and abundant liquidity, and the like. The financial life pattern related to savings and investment can be stereotyped into a type that prefers deposits, a type that prefers a fund, a type that prefers stocks, and the like.

The financial life event may represent pay date information, recent asset increase/decrease degree, maturity information of a holding financial product, etc. in relation to the consumer's financial life.

The second analysis unit 117 may identify a consumer's financial life pattern based on the standardized type and combine financial life event information. Each consumer may have multiple financial life patterns.

The financial life pattern may be calculated at regular intervals, and may be newly updated whenever new financial life information is reflected.

The coupling unit 119 may generate a coupling pattern in which the specific consumption pattern identified by the first analysis unit 113 and the specific financial life pattern identified by the second analysis unit 117 are combined.

The coupling pattern can be divided into a current coupling pattern and a predicted coupling pattern.

5 is a graph related to the analysis of binding patterns.

The present combination pattern refers to a combination of a consumption life pattern and a financial life pattern from the past to the present and a financial life event information event of the _{future t p +n for a certain period of time.} For example, consumer A's binding pattern can be defined as a type of preference for high-end restaurants, low debt, abundant liquidity, and expected maturity of financial assets held within the next 30 days.

The predictive coupling pattern is a method _{of calculating the expected range of future pattern change by dividing the consumption and financial life pattern patterns from the past t p} -m to the present t _p by a certain interval k, and comparing the results with the pre-established expected pattern change. say that

The pattern change estimate is calculated based on the accumulated consumption history (information) and financial history (information) of consumers, and can be used to understand the impact of changes in financial life and scheduled financial life events on consumer life. For example, consumer A currently has low debt and abundant liquidity, but has been showing a pattern of decreasing assets and increasing liabilities since about 6 months ago. In addition, it can be predicted that the debt maturity is scheduled in about two months, so the current consumption lifestyle favors high-end restaurants, but it is highly likely that the consumption lifestyle will change to a regular restaurant soon.

The pattern information combined in the above manner may be stored in the combining unit 119 itself or stored in a separate database.

The marketing target inquiry unit 150 may analyze a combination pattern as many as the number of users corresponding to the selection candidates, and select future customers through the analysis of the combination pattern.

A third collection unit 131 and a third analysis unit 133 may be provided in the affiliate store analysis unit 130 .

A user who has previously visited a specific affiliated store may be classified as an existing customer from the point of view of the specific affiliated store.

The third collection unit 131 may acquire information of existing customers who have visited the affiliated store, for example, a combination pattern of existing customers.

The third analysis unit 133 may identify the most similar form among the preset affiliate store pattern types based on the information of existing customers.

The merchant pattern format is calculated based on the combination pattern information of existing customers who have visited the merchant, and can be divided into a current merchant pattern and a predicted merchant pattern.

The current merchant pattern is based on the customer's current association pattern, and can be defined as a range of the current association pattern. For example, the franchise pattern of high-end restaurant C may be defined as customers who shop mainly at large marts or department stores, and have assets ranging from X to Y.

Predictive merchant patterns are based on customers' predicted binding patterns, and can be defined as a range of predictive binding patterns. For example, it may be defined as a range of users that do not currently match the merchant pattern of the high-end restaurant C, but are highly likely to match the merchant pattern of the high-end restaurant C according to future asset changes.

The affiliate store pattern analyzed by the third analysis unit 133 may be stored by itself or stored in a separate database.

When a marketing request is received from a specific affiliated store, the marketing target inquiry unit 150 may analyze the affiliated store pattern of the specific affiliated store. The marketing target inquiry unit 150 may inquire a previously analyzed combination pattern and automatically inquire a marketing target suitable for the corresponding affiliated store pattern.

Combination information itself may not be provided to the affiliated store terminal 10 . For franchise-friendly marketing, the selection of the franchisee may be used for marketing target inquiry. As an example, selections such as gender, location, visit status, consumption pattern, financial life pattern, financial event, etc. of the marketing target may be input through the affiliate store terminal 10 . The marketing target inquiry unit 150 may select a marketing target using the received selection.

3 is a flowchart illustrating a marketing method of the present invention. The marketing method of FIG. 3 may be described as an operation of the marketing device shown in FIG. 2 .

The user analysis unit 110 may acquire a consumption life pattern and a financial life pattern of the user (S 511).

The user analysis unit 110 may generate a combined pattern in which the user's consumption pattern and financial life pattern are combined (S 512).

The user analysis unit 110 may predict a change in the consumption life pattern using the financial life pattern (S 513).

The affiliate store analysis unit 130 may acquire the consumption life pattern and financial life pattern of the customer who uses a specific affiliate store (S 531). The affiliated store analysis unit 130 may identify an affiliated store pattern for a specific affiliated store by using the customer's consumption life pattern and financial life pattern (S 532).

The marketing target inquiry unit 150 may receive an instruction from the marketing execution unit 170 or may receive an instruction through communication with the affiliated store terminal 10 (S 551). The instruction may be a request to select prospective customers for a particular merchant.

The marketing target inquiry unit 150 may select, among a plurality of users, a specific user whose pre-predicted consumption pattern satisfies the affiliated store pattern as a future customer for the specific affiliated store (S 552).

The marketing execution unit 170 may perform marketing on the future customer selected by the marketing target inquiry unit 150 (S 553).

Almost all processes performed by the marketing target inquiry unit 150 and the marketing execution unit 170 may be closed to the affiliate store. Specifically, all processes of acquiring consumption life patterns and financial life patterns, predicting changes in consumption life patterns, identifying franchise patterns, selecting future customers, and performing marketing will be closed for a specific affiliate store. can

The marketing target inquiry unit 150 or the marketing execution unit 170 may provide only result information after the marketing is completed to a specific affiliate store. The resulting information may exclude personal information that can identify a particular user. For example, the result information may include at least one of the number of people to whom marketing is provided, gender, and a common consumption life pattern and financial life pattern of the people to whom marketing is provided. Even if the profit of the affiliated store is considered to the maximum, only the name and phone number of the future customer may be additionally provided to the affiliated store terminal 10 .

6 is a diagram illustrating a computing device according to an embodiment of the present invention. The computing device TN100 of FIG. 6 may be a device (eg, a marketing device, a marketing server, etc.) described herein.

In the embodiment of FIG. 6 , the computing device TN100 may include at least one processor TN110 , a transceiver device TN120 , and a memory TN130 . In addition, the computing device TN100 may further include a storage device TN140 , an input interface device TN150 , an output interface device TN160 , and the like. Components included in the computing device TN100 may be connected by a bus TN170 to communicate with each other.

The processor TN110 may execute a program command stored in at least one of the memory TN130 and the storage device TN140. The processor TN110 may mean a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor on which methods according to an embodiment of the present invention are performed. The processor TN110 may be configured to implement procedures, functions, and methods described in connection with an embodiment of the present invention. The processor TN110 may control each component of the computing device TN100.

Each of the memory TN130 and the storage device TN140 may store various information related to the operation of the processor TN110. Each of the memory TN130 and the storage device TN140 may be configured as at least one of a volatile storage medium and a nonvolatile storage medium. For example, the memory TN130 may include at least one of a read only memory (ROM) and a random access memory (RAM).

The transceiver TN120 may transmit or receive a wired signal or a wireless signal. The transceiver TN120 may be connected to a network to perform communication.

On the other hand, the embodiment of the present invention is not implemented only through the apparatus and/or method described so far, and a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium in which the program is recorded may be implemented. And, such an implementation can be easily implemented by those skilled in the art from the description of the above-described embodiment.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention as defined in the following claims are also presented. It belongs to the scope of the invention.

10... Merchant Terminal 90... Financial Server
100...Marketing Server 110...User Analysis Department
111...first collecting unit 113...first analyzing unit
115...Second collection unit 117...Second analysis unit
119...Joining unit 130... Merchant analysis unit
131...third collection unit 133...third analysis unit
150...Marketing Target Inquiry Department 170...Marketing Execution Department

Claims (13)

a user analysis unit for acquiring a first pattern related to the user's consumption life and a second pattern related to the user's financial life;
and a marketing target inquiry unit that selects future customers of the affiliated store by using the first pattern and the second pattern together;
The user analysis unit generates a combination pattern in which the first pattern and the second pattern are combined,
When defining a combination pattern of a customer who has previously visited the affiliated store as a customer pattern, an affiliated store analysis unit that analyzes the affiliated store pattern using the customer pattern is provided,
The affiliated store pattern is the customer pattern itself of multiple customers who have visited the affiliated store, or the customer pattern of multiple customers is accumulated and analyzed,
The marketing target inquiry unit selects a specific user having a combination pattern matching the affiliated store pattern as a marketing target,
The user analysis unit analyzes the correlation between the change in the second pattern and the change in the first pattern,
The user analysis unit predicts a future change of the second pattern to come in the future, not the present, through the analysis of the second pattern that satisfies a set period,
The user analysis unit predicts a future change of the first pattern to come in the future, not the present, using the predicted future change of the second pattern,
The marketing target inquiry unit selects the future customer based on the predicted future change of the first pattern,
The marketing target inquiry unit is a marketing device for selecting the specific user whose future change in the first pattern satisfies the affiliated store pattern as the future customer corresponding to the marketing target.
delete According to claim 1,
The combination pattern is a marketing device in which a future financial event is further combined with the first pattern and the second pattern.
According to claim 1,
The user analysis unit analyzes the coupling pattern for each set section, compares the change state for each section of the coupling pattern with a previously built pattern change estimate to calculate an expected range of change of the coupling pattern in the future,
The marketing target inquiry unit is a marketing device for selecting the future customer by using the expected change range.
delete According to claim 1,
A marketing device provided with a marketing execution unit for automatically selecting a type of marketing for the future customer according to whether the affiliated store is visited.
According to claim 1,
A marketing execution unit is provided for transmitting a message inducing consumption life for the affiliated store to the registration terminal of the future customer,
The marketing execution unit confirms the financial event included in the second pattern,
The marketing execution unit automatically changes the content of the message according to the financial event related to the increase or decrease of the asset of the future customer.
According to claim 1,
A first collection unit for collecting the consumption history of the user, and a first analysis unit for identifying a specific consumption life pattern matching the consumption history of the user among a plurality of standardized consumption life patterns are provided;
A second collection unit for collecting the user's financial details and a second analysis unit for identifying a specific financial life pattern matching the user's financial details among a plurality of standardized financial life patterns are provided;
A coupling unit for generating the coupling pattern in which the specific consumption life pattern identified by the first analysis unit and the specific financial life pattern identified by the second analysis unit is combined is provided;
The marketing target inquiry unit analyzes the combination pattern as many as the number of users corresponding to the selection candidates, and selects the future customer through the analysis of the combination pattern.
According to claim 1,
A marketing execution unit that communicates with a specific affiliate is provided;
The user analysis unit and the marketing target inquiry unit operate with respect to the specific affiliated store according to the command of the marketing execution unit,
Communication between the user analysis unit and the specific affiliated store and communication between the marketing target inquiry unit and the specific affiliated store are cut off,
The marketing execution unit is a marketing device for providing only the execution result to the specific affiliate store after executing the marketing for the future customer.
According to claim 1,
A marketing execution unit for performing marketing for the future customer is provided,
When the marketing request of the affiliated store is received, the marketing execution unit sends personal information including the first pattern, the second pattern, a combination pattern of the first pattern and the second pattern, and identification information of the future customer to the affiliated store not provided to
The marketing execution unit is a marketing device for automatically performing marketing for the future customer in a state in which the personal information is not provided.
According to claim 1,
A marketing execution unit for performing marketing for the future customer is provided,
When the marketing request from the affiliated store is received, the marketing execution unit does not provide the first pattern, the second pattern, and a combination pattern of the first pattern and the second pattern, and only provides contact information of the future customer to the affiliated store. Marketing device provided.
A marketing method performed by a marketing device, comprising:
Acquire the user's consumption life pattern and financial life pattern,
predicting future changes in the consumption life pattern that will come in the future, not the present, using the financial life pattern;
Using the consumer life pattern and financial life pattern of customers who use a specific affiliated store, identify the affiliated store pattern for the specific affiliated store,
The affiliated store pattern is the customer pattern itself of the customer who visited the affiliated store, or the customer's customer pattern is accumulated and analyzed,
A specific user whose future change in consumption life pattern predicted among a plurality of users satisfies the affiliated store pattern is selected as a future customer for the specific affiliated store,
A marketing method for performing marketing for the selected prospective customers.
13. The method of claim 12,
All processes of acquiring the consumption life pattern and the financial life pattern, predicting changes in the consumption life pattern, identifying the affiliated store pattern, selecting the future customer, and performing the marketing are performed for the specific affiliated store. closed, and
Only the result information after the completion of the marketing is provided to the specific affiliated store,
A marketing method in which the result information includes at least one of a number of persons provided with the marketing, a gender, a common consumption life pattern and a financial life pattern of the persons provided with the marketing.

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