KR102419610B1 - Service and method for providing card benefit based on mobile application - Google Patents

Abstract

According to one aspect of technical idea of the present disclosure, a system for providing a card benefit based on a mobile application comprises: an accumulation coupon processing module for controlling an accumulation coupon to be provided to a user device based on preset reasons of coupon accumulation; a benefit processing module for providing a list including one or more benefits, for which the accumulation coupon can be applied, to the user terminal and controlling information directing a benefit selected through the user device to be received among the one or more benefits; a benefit saving module for matching information of the selected benefit to the user's membership information and saving the matching information for a preset period; a payment processing module for processing a card payment based on the information of the selected benefit when the user proceeds with the card payment in a store corresponding to the selected benefit, and controlling the accumulation coupon related to the selected benefit to be expired; and a reward processing module for controlling an accumulation coupon according to the card payment to be provided to the user device, wherein the list provided to the user device can be updated according to a preset period based on the user's payment information and the information of the selected benefit. The system can efficiently provide optimized card benefits to the user.

Description

System and method for providing card benefits based on mobile app {Service and method for providing card benefit based on mobile application}

The technical idea of the present disclosure relates to a service, system and method for providing a card benefit based on a mobile app, and more particularly, to a service, system and method for providing an optimal benefit in real time based on user's payment data, etc. will be.

In the case of currently provided card benefits, it may be difficult to provide optimal benefits to actual users as they are composed of fixed benefits at the time of card issuance. In addition, generally provided card benefits are provided only when the card usage performance (eg, monthly usage performance) is achieved, so it may be difficult to use the card efficiently according to the user's consumption pattern.

Korean Patent Publication No. 2013-0094678

The problem to be solved by the technical idea of the present disclosure is to provide a system and method capable of efficiently providing optimized benefits to users by providing card use benefits by applying the user's card usage status in real time.

The problem to be solved by the present invention is not limited to the above problem, and another problem not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, in the system for providing a mobile app-based card benefit according to an aspect of the technical idea of the present disclosure, the system applies a coupon accumulated based on a preset coupon accumulation reason to the user's device Earn coupon processing module to control to provide; a benefit processing module that provides a list including one or more benefits to which the earning coupon can be applied to the user's device, and controls to receive information indicating a benefit selected from among the one or more benefits through the user's device; a benefit storage module for controlling the information on the selected benefit to be matched with the user's subscription information and stored for a preset period; a payment processing module that, when the user performs card payment at a store corresponding to the selected benefit, processes the card payment based on information on the selected benefit, and controls the accumulated coupons associated with the selected benefit to disappear; And it may include a compensation processing module for controlling to provide the accumulated coupon according to the card payment to the user's device. Here, the list provided to the user's device may be updated according to a preset period based on the user's payment information and information on the selected benefit.

In addition, the system may further include an invitation processing module that grants permission to send the invitation to the first user and controls to transmit the invitation to the device of the second user based on a request through the device of the first user. Here, the right to send the invitation may be granted when the first user satisfies a preset criterion. In this case, the preset criterion may be set based on at least one of the accumulated number of coupons accumulated by the user and the accumulated number of use of benefits by the user.

In addition, when the user's subscription information includes information indicating that the user is invited by another user, an earning coupon may be provided to the user.

Also, the information on the selected benefit may include an affiliated store number of the store.

Also, the information on the selected benefit may include discount rate information on at least one product sold in the store.

In addition, the number of coupons to be accumulated according to the card payment may be set differently depending on the amount of the card payment.

Also, the list including the one or more benefits may be displayed on a screen of a mobile app installed on the user's device, and information indicating the selected benefit may be generated based on an input through the mobile app.

In addition, the list provided to the user's device may be updated at a specific time every 24 hours.

In addition, in a method of providing a card benefit based on a mobile app according to an aspect of the technical idea of the present disclosure, the method includes: providing an accumulation coupon to the user's device based on a preset coupon accumulation reason; providing a list including one or more benefits to which the earning coupon can be applied to the user's device, and receiving information indicating a selected benefit from among the one or more benefits through the user's device; storing the information on the selected benefit by matching it with the user's subscription information for a preset period; when the user performs card payment at a store corresponding to the selected benefit, processing the card payment based on information on the selected benefit, and destroying the accumulated coupons associated with the selected benefit; and providing an accumulation coupon according to the card payment to the user's device. Here, the list provided to the user's device may be updated according to a preset period based on the user's payment information and information on the selected benefit.

The system according to an exemplary embodiment of the present disclosure is effective in providing card users with benefits that vary in real time rather than fixed benefits.

The system according to an exemplary embodiment of the present disclosure has the effect that the advertiser provides the right to execute marketing expenses to provide optimal benefits to card users, and the advertiser can take marketing effects such as sales improvement.

The effects obtainable in the present invention are not limited to the above-mentioned effects, and other effects not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the following description. .

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are included as a part of the detailed description to help the understanding of the present invention, provide embodiments of the present invention, and together with the detailed description, explain the technical features of the present invention.
1 shows an example of a card benefit providing system according to an embodiment of the present disclosure.
2 illustrates an example of a relationship between subjects constituting a card benefit providing system according to an embodiment of the present disclosure.
3 shows an example of a flowchart for explaining a card benefit providing system according to an embodiment of the present disclosure.
4 shows an example of a block diagram of a management server included in the card benefit providing system according to an embodiment of the present disclosure.

Hereinafter, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. The embodiments of the present invention are provided to more completely explain the present invention to those of ordinary skill in the art. Since the present invention may have various changes and may have various forms, specific embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to the specific disclosed form, it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention.

The terms used in the present disclosure are used only to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present disclosure, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification is present, but one or more other features It should be understood that it does not preclude the possibility of the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

Ordinal expressions such as "first ~" and "second ~" used in the present disclosure are not limited to that "first ~" precedes "second ~", and are understood to be expressed differently in similar configurations. should be

In this disclosure, expressions such as "A or B," "at least one of A and/and B," or "one or more of A or/and B" may include all possible combinations of the items listed together. . In one example, "A or B," "at least one of A and B," or "at least one of A or B" includes (1) at least one A, (2) at least one B, or (3) It may refer to all cases including both at least one A and at least one B.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

Hereinafter, the present disclosure will be described in detail with reference to the accompanying drawings.

Hereinafter, with reference to the accompanying drawings, 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 implemented in several different forms and is not limited to the embodiments described herein.

A service according to an embodiment of the present disclosure relates to a mobile app-based benefit market place (eg, a boost platform). In this service, card users collect accrual coupons (eg items, lightning bolts, etc.) through card payment and/or friend base in order to receive the benefits of a physical card, and the collected accrual coupons are used for benefits based on the mobile app ( Example: It can be used for boost (boost).

According to this service, card users can directly select the type of benefit (eg, boost brand type) in the mobile app and receive benefits when paying using the accumulated coupons. For example, customers of mobile apps and cards can select a boost brand (eg Starbucks, McDonald's, E-Mart, etc.) through the mobile app and use Lightning to receive boost benefits.

As this service is based on the customer's payment data, it can be used as a marketing platform that can target a specific demand group. Through this, this service can be used as a differentiated window through which brands (ie, advertisers) can communicate with customers.

1 shows an example of a card benefit providing system according to an embodiment of the present disclosure. 1 is for illustrative purposes only, and does not limit the scope of the present disclosure.

Referring to FIG. 1 , the card benefit providing system according to an embodiment of the present disclosure may include a management server 100 , a user device 200 , an advertiser device 300 , and a network 400 .

The management server 100 according to an embodiment of the present disclosure may be divided into a plurality of servers that perform different functions, and this division may be divided into hardware, which is a physical division, or software, which is an abstract division. have. For example, the management server 100 may not be implemented through one piece of hardware, but may be implemented such that a plurality of servers each performing separate functions are operated as one server group.

The management server 100 according to an embodiment of the present disclosure provides information (eg, subscription information, invitation-related information, benefit-related information, and accumulation) between the user device 200 and/or the advertiser device 300 via the network 400 . coupon-related information, etc.) can be transmitted and received.

The user device 200 according to an embodiment of the present disclosure may be implemented as a portable device such as a smartphone as shown in FIG. 1 , but is not limited thereto, and displays such as PC, tablet PC, PMP, PDA, etc. It can be implemented with various types of devices with functionalities. On the other hand, when the user device 200 and/or the advertiser device 300 is implemented as a portable device, it has a built-in touch screen so that a program can be executed using a finger or a pen (eg, a stylus pen). can be Hereinafter, for convenience of explanation, it is assumed that the user device 200 and/or the advertiser device 300 is implemented as a portable device.

The network 400 according to an embodiment of the present disclosure is a high-speed backbone network of a large-scale communication network capable of large-capacity and long-distance voice and data services, and is a next-generation wired and wireless network for providing the Internet or high-speed multimedia services. can The network 400 may serve to mutually transmit signals, information, and/or data between the management server 100 , the user device 200 , the advertiser device 300 , and other systems.

The management server 100 according to an embodiment of the present disclosure may transmit/receive information between the user device 200 and/or the advertiser device 300 through the network 400 .

The management server 100 according to an embodiment of the present disclosure provides information between the subscriber device 200 and/or the advertiser device 300 via the network 400 (eg, subscription information, invitation-related information, benefit-related information, and accumulation). coupon-related information, etc.) can be transmitted and received.

For example, the management server 100 provides the accumulated coupon to the user device, provides a list of benefits to which the accumulated coupon can be applied, receives the selected benefit information from the user device, matches the user's subscription information and stores it, , when the user pays by card, benefits are applied and the accumulated coupon extinction procedure is processed, and the accumulated coupon according to the card payment can be provided.

For example, the user device 200 selects at least one benefit from the list of benefits delivered from the management server 100 , inputs and transmits information about it (eg, affiliated store number, discount rate, reward rate, etc.), and earns Receive and use coupons (such as lightning), and can process card payments based on mobile apps.

For example, the advertiser device 300 transmits customer benefit information (eg, reward rate, discount rate, etc.), information necessary for mobile app-based advertisement, etc. to a mobile app-based service provider (eg, management server 100), etc. ) can be transferred to In addition, the advertiser device 300 may perform a process for delivering information on a new event, etc. to a mobile app-based service provider. Also, the advertiser device 300 may process a payment system for advertisements. For example, the advertiser may proceed with an advertisement payment process through the advertiser device 300 , and may apply (or use) a credit at the time of payment. Here, the credit may be delivered from a service subject (eg, a management server), and may be accumulated based on advertisement effects and/or activities of advertisers. In addition, the advertiser device 300 may process a real-time inquiry system of data related to advertisements. For example, the advertiser may check data on an advertisement currently being started through the advertiser device 300 in real time. Also, the advertiser device 300 may be set to perform general functions related to advertisements.

2 illustrates an example of a relationship between subjects constituting a card benefit providing system according to an embodiment of the present disclosure. 2 is for illustrative purposes only, and does not limit the scope of the present disclosure.

For example, the subject of the service of the present disclosure may consist of Boost platform operators, advertisers, and customers. Advertisers may request promotions (ie advertisements) to the Boost platform. In other words, the advertiser can request to enter the Boost platform from the Boost platform operator, and at this time, the Boost platform operator can determine the reward benefit method for the customer. After that, the Boost platform can be provided to advertisers after review by the Boost platform operator.

Boost platform operators can provide services to attract customers and use the platform through mobile app-based services, etc. Customers can use the service and receive benefits and rewards by inviting friends and/or making payments.

Advertisers may pay promotional expenses to Boost platform operators as a cost for using this service. In addition, Boost platform operators may provide a portion of their sales to customers in the form of rewards.

3 shows an example of a flowchart for explaining a card benefit providing system according to an embodiment of the present disclosure. 3 is for illustrative purposes only, and does not limit the scope of the present disclosure. Hereinafter, it will be described together with reference numerals in FIG. 1 .

Referring to FIG. 3 , the management server 100 , the user device 200 , and/or the advertiser device 300 described in FIG. 1 may operate for card payment and benefit provision.

The management server 100 may process to provide the accumulated coupon (eg, lightning bolt, etc.) to the user device 200 based on a preset coupon accumulation reason (eg, the user's payment information and friend invitation) (S310) .

For example, the management server may provide the user with a lightning bolt determined in consideration of the user's payment history, friend invitation history, and the like. As a specific example, the number of lightning bolts provided may vary depending on the payment amount (e.g., one lightning bolt is paid for a payment of 4,000 won or more, 2 lightning bolts per 10,000 won for a payment of 10,000 won or more, up to 10 lightning bolts per payment, etc.) have. In other words, the number of provided lightning may be set differently according to a predetermined amount of money.

For example, the management server may grant the first user the right to send the invitation, and control to transmit the invitation to the second user's device based on a request through the first user's device. Here, the right to send an invitation may be granted when the first user satisfies a preset criterion. As an example, the preset criterion may be set based on the accumulated number of coupons accumulated by the user (eg, the accumulated number of lightning bolts), the user's payment accumulated amount, the user's accumulated number of use of benefits (eg, the accumulated number of use of boost), etc. .

For example, when information indicating that the user is invited by another user is included in the user's subscription information, an earning coupon (eg, lightning bolt) may be provided to the user.

The management server 100 may provide a list including the benefit(s) to which the above-described earning coupon (eg, lightning) can be applied to the user device 200 ( S320 ). For example, the list may be determined in consideration of a discount rate, a reward rate, etc. input to the management server by a business operator. In addition, the list may be determined based on the user's previous payment information, the user's interest registered information, and the like. Also, the list may be updated based on the user's payment information and/or information on benefits. In this case, the update of the corresponding list may be performed according to a preset period (eg, 24 hours, 1 week, etc.).

For example, the user may be provided with a list of boost benefits that can receive discounts using lightning through the mobile app. The Boost benefit list may include boost benefit(s) that can be discounted using a certain number of lightning bolts. Through this, the service proposed by the present disclosure has the effect of applying the optimal benefit to the user in real time.

The user may select, through the user device 200 , a benefit for which he/she wants to use his/her accumulated coupon from among the benefit(s) included in the corresponding list. The information on the selected benefit may be transmitted to and stored in the management server 100 (S330).

For example, the user may select the boost benefit to be used by the user from the list of boost benefits provided through the mobile app in consideration of the number of lightning bolts accumulated to the user. That is, the user can activate the corresponding boost benefit item by selecting an advertiser (ie, a boost benefit provider) that the user wants to use (or purchase). Through this, there is an effect that the user can efficiently use the desired benefit by selecting it.

The management server 100 may identify information on the benefit selected by the user (ie, the boost benefit and the advertiser of the boost benefit) based on the information received through the user device 200 as described above.

In this case, in order to apply the corresponding benefit to the user's payment later, the management server 100 may match information on the benefit selected by the user and the user's subscription information and store it (via a database, etc.) (S340) ). For example, the information on the above-described benefits may include an affiliated store number of the corresponding store, discount rate information and reward information on product(s) sold in the corresponding store.

In addition, the matched and stored information may be set to be stored for a preset time in the management server 100 . As an example, the corresponding information may be set to be stored only for a time during which the boost benefit selected by the user is valid.

Later, when the user makes a card payment at a store (eg, an online store, an offline store, etc.) corresponding to the selected benefit, the management server 100 performs card payment (by applying a discount, etc.) based on information about the corresponding benefit can be processed In addition, the management server 100 may destroy the accumulated coupon associated with the corresponding benefit for the corresponding user (S350).

For example, if a user selects and/or activates a specific boost benefit by using 20 lightning bolts, the boost benefit is applied when the user pays for a product to which the boost benefit is applied, and at the same time, the user's lightning bolt 20 will be destroyed.

After the user's card payment, the management server 100 may provide the corresponding user with an accumulation coupon according to the card payment (S360). In this case, the accumulated coupons may be set differently depending on the amount of the card payment. For example, the user can receive 1 lightning bolt when paying over 4,000 won, 2 lightning bolts per 10,000 won when paying over 10,000 won, and up to 10 lightning bolts per payment.

In addition, such a user's card payment details may be stored in the management server 100 in the form of a database, and may be used later to construct a benefit list (eg, boost benefit list) for the corresponding user. Through the stored payment data, there is an effect that the connection between the corresponding brand and the user can be effectively used in future purchases.

Through this, there is an effect that the user can experience a gamified system in which the user acquires an item (ie, lightning bolt, coupon accumulation, etc.) through payment and uses the acquired item for benefits. The system can enhance the purchase desire of the user, and thus has the effect of increasing the promotional effect of the advertisement product.

4 shows an example of a block diagram of the management server 100 included in the card benefit providing system according to an embodiment of the present disclosure. 4 is for illustrative purposes only, and does not limit the scope of the present disclosure.

Referring to FIG. 4 , the management server 100 may include a controller 410 and a transceiver 420 .

The control unit 410 may be configured to control the management server 100 as a whole. For example, the controller 410 may include a CPU, a RAM, a ROM, and a system bus. Here, the ROM is a configuration in which a command set for system booting is stored, and the CPU copies the operating system stored in the memory of the management server 100 to the RAM according to the commands stored in the ROM, and executes O/S to boot the system. . When booting is complete, the CPU can perform various operations by copying various applications stored in the memory to the RAM and executing them. Although it has been described above that the control unit 410 includes only one CPU, it may be implemented with a plurality of CPUs (or DSPs, SoCs, etc.).

The controller 410 may include a plurality of modules for controlling the card benefit providing system according to an embodiment of the present disclosure. In addition, FIG. 4 is for convenience of description, and it goes without saying that additional module(s) for providing the system proposed in the present disclosure may be included in the controller 410 .

The controller 410 may include an earning coupon processing module 410a that controls to provide an earning coupon (eg, lightning) to the user's device based on a preset coupon accumulation reason. For example, the earning coupon processing module 410a may control the overall processing operation for coupons (ie, lightning) used in the boost platform.

The control unit 410 provides a list including one or more benefits to which the earning coupon can be applied to the user's device, and controls to receive information indicating a selected benefit from among the one or more benefits through the user's device. A processing module 410b may be included. For example, the benefit processing module 410b may control an overall processing operation of a procedure of providing a boost benefit list to a user and a procedure of receiving an instruction for a benefit selected from the user.

The control unit 410 may include a benefit storage module 410c that controls the information on the benefit selected by the user to be matched with the user's subscription information and stored for a preset period. For example, the benefit storage module 410c performs the overall processing operation for the procedure of matching and storing information on the affiliate number, discount rate and/or reward rate providing the boost benefit selected by the user with the user's subscription information. can be controlled

When the user proceeds with card payment at a store corresponding to the selected benefit, the control unit 410 processes the card payment based on information on the selected benefit, and controls to destroy the accumulated coupons associated with the selected benefit. A payment processing module 410d may be included. For example, when paying for a product for the boost benefit selected by the user, the payment processing module 410d applies a discount rate for the boost benefit to process the card payment, and the overall procedure for extinguishing lightning according to the boost benefit You can control the processing operation.

The control unit 410 may include a compensation processing module 410e that controls to provide the accumulated coupons according to the card payment to the user's device. For example, the compensation processing module 410e may control the overall processing operation of a procedure of providing a predetermined number of lightning bolts, predetermined benefit points, etc. to the user according to the user's payment details based on the boost benefit.

The transceiver 420 may be configured to communicate with various types of external devices according to various types of communication methods. The transceiver 420 may include at least one of a Wi-Fi chip, a Bluetooth chip, a wireless communication chip, and an NFC chip. The controller 410 may communicate with an external server or various external devices using the transceiver 420 .

The above-described methods according to various embodiments of the present disclosure may be implemented in the form of an application that can be installed in an existing electronic device. In addition, the above-described methods according to various embodiments of the present disclosure may be implemented only by software upgrade or hardware upgrade of an existing electronic device. In addition, various embodiments of the present invention described above may be performed through an embedded server provided in the electronic device or an external server of the electronic device.

On the other hand, according to an embodiment of the present invention, the various embodiments described above are a recording medium (readable by a computer or similar device) using software, hardware, or a combination thereof. It may be implemented as software including instructions stored in a computer readable recording medium). In some cases, the embodiments described herein may be implemented by the processor itself. According to the software implementation, embodiments such as procedures and functions described in this specification may be implemented as separate software modules. Each of the software modules may perform one or more functions and operations described herein.

Meanwhile, a computer or a similar device is a device capable of calling a command stored from a storage medium and operating according to the called command, and may include the device according to the disclosed embodiments. When the instruction is executed by the processor, the processor may directly or use other components under the control of the processor to perform a function corresponding to the instruction. Instructions may include code generated or executed by a compiler or interpreter.

The device-readable recording medium may be provided in the form of a non-transitory computer readable recording medium. Here, 'non-transitory' means that the storage medium does not include a signal and is tangible, and does not distinguish that data is semi-permanently or temporarily stored in the storage medium. In this case, the non-transitory computer-readable medium refers to a medium that stores data semi-permanently, rather than a medium that stores data for a short moment, such as a register, cache, memory, etc., and can be read by a device. Specific examples of the non-transitory computer-readable medium may include a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, and the like.

Exemplary embodiments have been disclosed in the drawings and specification as described above. Although the embodiments have been described using specific terms in the present specification, these are used only for the purpose of explaining the technical spirit of the present disclosure, and not used to limit the meaning or the scope of the present disclosure described in the claims. Therefore, it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical protection scope of the present disclosure should be defined by the technical spirit of the appended claims.

Claims (10)

In the system for providing card benefits based on a mobile app,
an earning coupon processing module for controlling to provide an earning coupon to the user's device based on a preset coupon accumulation reason;
Provides a list including one or more benefits that can be applied according to the number of coupons to the user's device, and controls to receive information indicating a selected benefit from among the one or more benefits through the user's device processing module;
a benefit storage module for controlling the information on the selected benefit to be matched with the user's subscription information and stored for a preset period;
a payment processing module that, when the user performs card payment at a store corresponding to the selected benefit, processes the card payment based on information on the selected benefit, and controls the accumulated coupons associated with the selected benefit to disappear; and
Comprising a compensation processing module for controlling to provide the accumulated coupon according to the card payment to the user's device,
The list provided to the user's device is updated according to a preset period based on the user's payment information and information on the selected benefit. The method of claim 1,
an invitation processing module for authorizing the first user to send the invitation, and controlling to send the invitation to the device of the second user based on the request through the device of the first user;
The system, characterized in that the invitation sending authority is granted when the first user satisfies a preset criterion. 3. The method of claim 2,
The system, characterized in that the preset criterion is set based on at least one of the accumulated number of coupons accumulated by the user and the accumulated number of use of benefits by the user. The method of claim 1,
When the user's subscription information includes information indicating that the user has been invited by another user, an earning coupon is provided to the user. The method of claim 1,
The system, characterized in that the information on the selected benefit, comprising the number of the affiliated store of the store. 6. The method of claim 5,
The information on the selected benefit comprises discount rate information on at least one product sold in the store. The method of claim 1,
The system, characterized in that the number of coupons to be provided according to the card payment is set differently depending on the amount of the card payment. The method of claim 1,
The list including the one or more benefits is displayed on the screen of the mobile app installed on the user's device,
wherein the information indicative of the selected benefit is generated based on input through the mobile app. The method of claim 1,
The list provided to the user's device is updated every 24 hours at a specific point in time. In the method of providing card benefits based on a mobile app,
providing, by the accumulation-free phone processing module, an accumulation coupon to the user's device based on a preset coupon accumulation reason;
The benefit processing module provides a list including one or more benefits that can be applied according to the number of coupons to the user's device, and receives information indicating a benefit selected through the user's device among the one or more benefits to do;
storing, by a benefit storage module, the information on the selected benefit with the user's subscription information for a preset period;
when the user performs card payment at a store corresponding to the selected benefit, by the payment processing module, processing the card payment based on the information on the selected benefit, and destroying the accumulated coupons associated with the selected benefit; and
Comprising the step of providing, by the compensation processing module, an accumulation coupon according to the card payment to the user's device,
The list provided to the user's device is updated according to a preset period based on the user's payment information and information on the selected benefit.

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