KR102439959B1 - Customer management service server that provides information service for abnormal payments and operating method thereof - Google Patents

Abstract

Disclosed are a customer management service server that provides a guide service on whether abnormal payment is made, and a method of operating the same. According to the present invention, as a first member of a plurality of members performs payment at a first affiliated store among a plurality of affiliated stores, when notification information is received from a service server of the first affiliated store, at least one corresponding to the first member Checking one first representative affiliated store category, identifying a first affiliated store category corresponding to the first affiliated store, each of at least one first representative affiliated store category corresponding to the first member and a second affiliated store corresponding to the first affiliated store After calculating the degree of similarity between one affiliated store category, when it is confirmed that all of the similarities between each of the at least one first representative affiliated store category corresponding to the first member and the first affiliated store category corresponding to the first affiliated store are less than the preset reference similarity , A customer management service server capable of preventing financial damage to a user due to an abnormal payment by transmitting a guide message informing that an abnormal payment has occurred to the member terminal of the first member, and a method of operating the same.

Description

CUSTOMER MANAGEMENT SERVICE SERVER THAT PROVIDES INFORMATION SERVICE FOR ABNORMAL PAYMENTS AND OPERATING METHOD THEREOF

The present invention relates to a customer management service server that provides a guide service on whether or not an abnormal payment is made, and a method for operating the same.

With the recent development of technology, online transactions are becoming active all over the world, and online transactions are becoming possible through various methods such as Internet banking and mobile payment.

In addition, it has the great advantage of not having time and space restrictions, so more and more people are making transactions through online transactions.

However, in proportion to this, damage to online transactions is also occurring. In some cases, payments are made without the user's knowledge, causing enormous damage to the user.

In not only such online transactions but also offline transactions, a problem in which illegal payment occurs due to duplication of credit cards, etc. occurs frequently.

On the other hand, ordinary people have payment patterns according to their lifestyle. For example, they may have different payment patterns according to gender, occupation, age, region, and the like.

If a user sets a shopping category that he or she frequently pays for according to his or her lifestyle in advance, and if payment is made in a category that is not preset, a message is sent to the user stating that the payment has been made in a category that has not been set in advance. If this service is supported, it will be possible to reduce the damage to users due to incorrect payment.

Therefore, after setting a category that the user frequently pays for, when payment is not made within the set category, a guide message is sent to the user to prevent financial damage to the user due to incorrect payment A study on service technology is needed

According to the present invention, the customer management service server for providing a guide service on whether abnormal payment is made and the method of operation therefor, as a first member of a plurality of members proceeds with payment at a first affiliated store among a plurality of affiliated stores, When notification information is received from the service server of the first affiliated store, at least one first representative affiliated store category corresponding to the first member is checked, and the first affiliated store category corresponding to the first affiliated store is identified and sent to the first member. After calculating the degree of similarity between each corresponding at least one first representative affiliated store category and the first affiliated store category corresponding to the first affiliated store, each of the at least one first representative affiliated store category corresponding to the first member and the first affiliated store category When all the similarities between the first affiliated store categories corresponding to the affiliated stores are confirmed to be less than the preset standard similarity, a guide message informing that an abnormal payment has occurred is transmitted to the member terminal of the first member, thereby reducing the user's financial loss due to the abnormal payment. We want to help you avoid damage.

Whenever a plurality of members according to an embodiment of the present invention proceed with payment at a plurality of affiliated stores, the plurality of affiliated stores receives notification information about payment generated at each affiliated store from the service server of each of the plurality of affiliated stores. A customer management service server that provides a guide service on whether or not an abnormal payment is made to members is an affiliated store category storage unit in which information about an affiliated store category designated as corresponding to each of the plurality of affiliated stores among a plurality of preset affiliated store categories is stored , For each of the plurality of affiliated store categories, identification information for users who have made payment at least once at an affiliated store according to each affiliated store category during a preset period among a plurality of preset population users is distinguished and stored. An information database, a representative affiliated store category storage unit storing information on at least one representative affiliated store category designated to correspond to each of the plurality of members among the plurality of affiliated store categories, and a first member of the plurality of affiliated stores As payment is made at the first affiliated store among the plurality of affiliated stores, when first notification information notifying that the first member has made payment at the first affiliated store is received from the service server of the first affiliated store, Checking at least one first representative affiliated store category corresponding to the first member with reference to the representative affiliated store category storage unit, and checking the first affiliated store category corresponding to the first affiliated store by referring to the affiliated store category storage unit When the at least one first representative affiliated store category and the first affiliated store category are identified, the confirmation unit refers to the identification information database and belongs to each of the at least one first representative affiliated store category stored in the identification information database. Based on the identification information of the existing users and the identification information of users belonging to the first affiliated store category, each of the at least one first representative affiliated store category and the user belonging to the first affiliated store category After checking the number of users, a calculator calculating a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category based on the confirmed number of users, and each of the at least one first representative affiliated store category and the second affiliated store category When the degree of similarity between one affiliated store category is calculated, when it is confirmed that all the similarities between each of the at least one first representative affiliated store category and the first affiliated store category are less than a preset reference similarity, abnormal payment is made to the member terminal of the first member and a transmitter for transmitting a guide message guiding that the occurrence has occurred.

In addition, whenever a plurality of members according to an embodiment of the present invention proceed with payment at a plurality of affiliated stores, notification information about payment generated at each affiliated store is received from the service server of each of the plurality of affiliated stores, and the In the method of operation of a customer management service server that provides a guide service on whether or not an abnormal payment is made to a plurality of members, information about an affiliated store category designated as corresponding to each of the plurality of affiliated stores among a plurality of preset affiliated store categories is stored. Maintaining an existing affiliate store category storage, for each of the plurality of affiliated store categories, identification of users who have made payment at least once at an affiliated store according to each affiliated store category during a preset period among a plurality of preset population users maintaining an identification information database in which information is stored separately; storing a representative affiliated store category in which information on at least one representative affiliated store category designated to correspond to each of the plurality of members among the plurality of affiliated affiliated store categories is stored; Maintaining wealth, as the first member of the plurality of members proceeds with payment at the first affiliated store among the plurality of affiliated stores, the first member from the service server of the first affiliated store to the first affiliated store When the first notification information indicating that payment has been made is received, referring to the representative affiliated store category storage unit, checking at least one first representative affiliated store category corresponding to the first member, and referring to the affiliated store category storage unit , identifying a first affiliated store category corresponding to the first affiliated store; if the at least one first representative affiliated store category and the first affiliated store category are identified, refer to the identification information database and store in the identification information database Based on the identification information of users belonging to each of the at least one first representative affiliated store category and the identification information of users belonging to the first affiliated store category, the at least one first representative After confirming each affiliated store category and the number of users belonging to the first affiliated store category, calculating a similarity between each of the at least one first representative affiliated store category and the first affiliated store category based on the confirmed number of users; When the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is all confirmed to be less than a preset standard similarity and transmitting a guide message informing that an abnormal payment has occurred to the member terminal of the first member in this case.

According to the present invention, the customer management service server for providing a guide service on whether abnormal payment is made and the method of operation therefor, as a first member of a plurality of members proceeds with payment at a first affiliated store among a plurality of affiliated stores, When notification information is received from the service server of the first affiliated store, at least one first representative affiliated store category corresponding to the first member is checked, and the first affiliated store category corresponding to the first affiliated store is identified and sent to the first member. After calculating the degree of similarity between each corresponding at least one first representative affiliated store category and the first affiliated store category corresponding to the first affiliated store, each of the at least one first representative affiliated store category corresponding to the first member and the first affiliated store category When all the similarities between the first affiliated store categories corresponding to the affiliated stores are confirmed to be less than the preset standard similarity, a guide message informing that an abnormal payment has occurred is transmitted to the member terminal of the first member, thereby reducing the user's financial loss due to the abnormal payment. damage can be prevented.

1 is a diagram showing the structure of a customer management service server according to an embodiment of the present invention.
2 is a flowchart illustrating a method of operating a customer management service server according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. These descriptions are not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, like reference numerals are used for similar components, and unless otherwise defined, all terms used in this specification, including technical or scientific terms, refer to those of ordinary skill in the art to which the present invention belongs. It has the same meaning as is commonly understood by those who have it.

In this document, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated. In addition, in various embodiments of the present invention, each of the components, functional blocks or means may be composed of one or more sub-components, and the electrical, electronic, and mechanical functions performed by each component are electronic. A circuit, an integrated circuit, an ASIC (Application Specific Integrated Circuit), etc. may be implemented with various well-known devices or mechanical elements, and may be implemented separately or two or more may be integrated into one.

On the other hand, the blocks in the accompanying block diagram or steps in the flowchart are computer program instructions that are loaded in a processor or memory of equipment capable of data processing, such as a general-purpose computer, a special-purpose computer, a portable notebook computer, and a network computer, and perform specified functions. can be interpreted as meaning Since these computer program instructions may be stored in a memory provided in a computer device or in a memory readable by a computer, the functions described in the blocks of the block diagram or the steps of the flowchart are produced in an article containing instruction means for performing the same. it might be In addition, each block or each step may represent a module, segment, or portion of code comprising one or more executable instructions for executing the specified logical function(s). It should also be noted that, in some alternative embodiments, it is possible for the functions recited in blocks or steps to be executed out of the prescribed order. For example, two blocks or steps shown one after another may be performed substantially simultaneously or in the reverse order, and in some cases, some blocks or steps may be omitted.

1 is a diagram illustrating the structure of a customer management service server that provides a guide service on whether abnormal payment is made according to an embodiment of the present invention.

Referring to Figure 1, the customer management service server 110 according to an embodiment of the present invention, whenever a plurality of members proceed with payment at a plurality of affiliated stores, each affiliate store from the service server of each of the plurality of affiliated stores A server that receives notification information about payment generated in , and provides a guide service on whether or not an abnormal payment is made to the plurality of members, and includes an affiliate store category storage unit 111, an identification information database 112, and a representative affiliate store category storage unit 113 , a confirmation unit 114 , an operation unit 115 , and a transmission unit 116 .

The affiliate store category storage unit 111 stores information on an affiliated store category designated to correspond to each of the plurality of affiliated store categories among a plurality of preset affiliate store categories.

Here, the affiliated store category refers to information that classifies whether each affiliate is a franchise that provides a type of service, and depending on the type of affiliate, affiliated categories are 'department store', 'convenience store', 'online shopping mall', and 'large It can be classified into 'mart' and 'neighborhood supermarket'.

In this regard, the affiliated store category storage unit 111 may store information on an affiliated store category designated as corresponding to each of the plurality of affiliated store categories among a plurality of preset affiliated store categories as shown in Table 1 below.

Multiple Merchant Categories multiple merchants Merchant Category 1 Merchant 1 Merchant 2 Merchant Category 2 Merchant 3 Merchant 4 Merchant Category 3 Merchant 5 Merchant 6 ... ...

The identification information database 112 includes, for each of the plurality of affiliated store categories, identification information on users who made payment at least once at an affiliated store according to each affiliated store category during a preset period among a plurality of preset population users. separated and stored.

Here, the identification information means information such as a name, contact information, address of each user, or identification number of a terminal possessed by each user.

For example, in the identification information database 112, for each of the plurality of affiliated store categories as shown in Table 2 below, payment is performed at least once at the affiliated store according to each affiliated store category during a preset period among a plurality of preset population users. Identification information for one user may be stored.

Multiple Merchant Categories multiple merchants User identification information Merchant Category 1 Merchant 1 User identification information 1, user identification information 2 Merchant 2 User identification information 3, user identification information 4, user identification information 5 Merchant Category 2 Merchant 3 User identification information 6, user identification information 7, user identification information 8 Merchant 4 User identification information 9, user identification information 10 Merchant Category 3 Merchant 5 User identification information 1, user identification information 11 Merchant 6 User identification information 2, user identification information 6, user identification information 12 ... ... ...

The identification information database 112 may be built in advance by conducting a survey, etc. as to whether the administrator has made payment at any affiliated store for a predetermined population of users for a predetermined period.

The representative affiliate store category storage unit 113 stores information on at least one representative affiliate store category designated to correspond to each of the plurality of members among the plurality of affiliate store categories.

For example, the representative affiliate store category storage unit 113 may store information on at least one representative affiliate store category designated to correspond to each of the plurality of members among the plurality of affiliate store categories as shown in Table 3 below. .

multiple members Representative Merchant Category member 1 Merchant Category 1 Merchant Category 2 member 2 Merchant Category 3 Merchant Category 4 Merchant Category 5 ... ...

As the first member of the plurality of members proceeds with payment at the first affiliated store among the plurality of affiliated stores, the confirmation unit 114 receives the first member from the service server 160 of the first affiliated store. When the first notification information indicating that the payment has been made at the first affiliated store is received, referring to the representative affiliated store category storage unit 113, at least one first representative affiliated store category corresponding to the first member is identified, and the affiliated store is referred to. With reference to the category storage unit 111, the first affiliate store category corresponding to the first affiliate store is identified.

When the at least one first representative affiliated store category and the first affiliated store category are identified, the calculating unit 115 refers to the identification information database 112 and stores the at least one first affiliate store in the identification information database 112 . Based on the identification information of users belonging to each of the representative affiliated store categories and the identification information of users belonging to the first affiliated store category, the number of users belonging to each of the at least one first representative affiliated store category and the first affiliated store category After checking , a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated based on the number of confirmed users.

In this case, according to an embodiment of the present invention, the calculating unit 115 may calculate a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category according to the operation of Equation 1 below.

은 상기 적어도 하나의 제1 대표 가맹점 카테고리 중 n번째 대표 가맹점 카테고리와 상기 제1 가맹점 카테고리 간의 유사도로 0과 0.5사이의 값을 의미하고,

은 상기 식별 정보 데이터베이스에서 상기 n번째 대표 가맹점 카테고리와 상기 제1 가맹점 카테고리에 동시에 속해있는 사용자들의 수를 의미하며,

은 상기 식별 정보 데이터베이스에서 상기 n번째 대표 가맹점 카테고리에 속해있는 사용자들의 수를 의미하고,

는 상기 식별 정보 데이터베이스에서 상기 제1 가맹점 카테고리에 속해있는 사용자들의 수를 의미한다.here,

denotes a value between 0 and 0.5 as a degree of similarity between the nth representative affiliated store category and the first affiliated store category among the at least one first representative affiliated store category,

denotes the number of users simultaneously belonging to the nth representative affiliated store category and the first affiliated store category in the identification information database,

denotes the number of users belonging to the nth representative affiliated store category in the identification information database,

is the number of users belonging to the first affiliated store category in the identification information database.

Hereinafter, the operation of the check unit 114 and the operation unit 115 will be described in detail with an example.

For example, the first member is referred to as 'member 1' in the representative affiliate store category storage unit 113 as shown in Table 3, and the first affiliate store is a 'merchant store' in the affiliate store category storage unit 111 as shown in Table 1 above. Let's assume 5'. At this time, as the 'Member 1', the first member of the plurality of members, proceeds with payment at 'Merchant 5', which is the first affiliated store among the plurality of affiliated stores, When the first notification information notifying that 'Member 1' has made payment at 'Member 5' is received from the service server 160, referring to the representative affiliated store category storage unit 113 as shown in Table 3 above, the 'Member At least one first representative affiliated store category corresponding to '1', 'merchant category 1' and 'merchant category 2', may be identified. Also, the check unit 114 may check the 'merchant category 3', which is the first affiliate store category corresponding to the 'merchant 5', with reference to the affiliate store category storage unit 111 as shown in Table 1 above.

In this way, when the at least one first representative affiliated store category 'merchant category 1' and 'merchant category 2' and the first affiliate store category 'merchant category 3' are confirmed by the confirmation unit 114 , the operation unit 115 ) refers to the identification information database 112 as shown in Table 2, and the identification information of users belonging to 'merchant category 1' and 'merchant category 2' and 'merchant category 3 stored in the identification information database 112 . Based on the identification information of users belonging to ', the number of users belonging to 'merchant category 1' and 'merchant category 2' can be identified as '5', respectively, and the number of users belonging to 'merchant category 3' can be confirmed as '5'.

And, the confirmation unit 114 may check the number of users belonging to 'merchant category 1' and 'merchant category 3' as '2', You can check the number of users as '1'.

Then, the calculating unit 115 calculates the similarity between each of 'merchant category 1' and 'merchant category 2' and 'merchant category 3' according to the calculation of Equation 1 based on the number of users for each identified affiliate store category. can do.

In this regard, the number of users belonging to 'merchant category 1' is '5', the number of users belonging to 'merchant category 3' is '5', and the number of users belonging to both 'merchant category 1' and 'merchant category 3' is Since the number is '2', the calculator 115 may calculate the similarity between 'merchant category 1' and 'merchant category 3' as '0.2' according to the operation of Equation 1 above.

In addition, the number of users belonging to 'merchant category 2' is '5', the number of users belonging to 'merchant category 3' is '5', and the number of users belonging to both 'merchant category 2' and 'merchant category 3' Since '1', the calculator 115 may calculate the similarity between 'merchant category 2' and 'merchant category 3' as '0.1' according to the operation of Equation 1 above.

When the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the transmitting unit 116 sets all the similarities between each of the at least one first representative affiliated store category and the first affiliated store category in advance. When it is confirmed that the degree of similarity is less than the reference similarity, a guide message informing that an abnormal payment has occurred is transmitted to the member terminal 130 of the first member.

For example, as in the above example, the similarity between 'merchant category 1' and 'merchant category 3' is '0.2', and the similarity between 'merchant category 2' and 'merchant category 3' is '0.1'. When the reference similarity is '0.3', the transmitter 116 transmits '0.2', which is the similarity between 'merchant category 1' and 'merchant category 3', and '0.1', which is the similarity between 'merchant category 2' and 'merchant category 3'. Since all of 'are less than '0.3', which is the preset standard similarity, a guide message informing that abnormal payment has occurred may be transmitted to the member terminal 130 of 'member 1'.

That is, the customer management service server 110 according to the present invention provides a guide message to inform that an abnormal payment has occurred when a payment occurs at an affiliated store having an affiliated store category whose similarity with the affiliated store category set in advance by a specific member is less than the reference value by transmitting to the member's member terminal, it is possible to minimize the damage to the user due to the occurrence of an abnormal payment.

In this case, according to an embodiment of the present invention, the transmission unit 116 may include a correction value storage unit 117 and a guide message transmission unit 118 .

The correction value storage unit 117 stores different correction values corresponding to each of the plurality of members.

For example, the correction value storage unit 117 may store different correction values corresponding to each of the plurality of members as shown in Table 4 below.

multiple members correction value member 1 0.7 member 2 0.6 ... ...

When the degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the guide message transmitting unit 118 corrects the reference similarity by multiplying the reference similarity by a correction value corresponding to the first member. Then, when it is confirmed that the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is less than the corrected reference similarity level, the first member's member terminal 130 informs that an abnormal payment has occurred to transmit the guide message.

For example, as in the above example, the similarity between 'merchant category 1' and 'merchant category 3' is '0.2', and the similarity between 'merchant category 2' and 'merchant category 3' is '0.1', and the criterion Assume that the similarity is '0.3', and the first member is 'member 1' in the correction value storage unit 117 as shown in Table 4 above.

At this time, the guide message transmitting unit 118 calculates, by the operation unit 115, the degree of similarity between 'merchant category 1' and 'merchant category 3' and '0.2' and the degree of similarity between 'merchant category 2' and 'merchant category 3'. When 0.1' is calculated, referring to the correction value storage unit 117 as shown in Table 4, multiply the reference similarity '0.3' by the correction value '0.7' corresponding to 'member 1' to '0.3' can be corrected to '0.21'.

Then, the guide message transmitting unit 118 corrects all of '0.2', which is a similarity between 'merchant category 1' and 'merchant category 3', and '0.1', which is a similarity between 'merchant category 2' and 'merchant category 3'. Since the standard similarity is less than '0.21', the guide message informing that an abnormal payment has occurred may be transmitted to the member terminal 130 of 'Member 1'.

If, by the calculating unit 115, the similarity between 'merchant category 1' and 'merchant category 3' is calculated as '0.2' and the similarity between 'merchant category 2' and 'merchant category 3' is calculated as '0.1', If the first member is 'member 2' in the correction value storage unit 117 as shown in Table 4, the guide message transmitting unit 118 sets the correction value corresponding to 'member 2' to '0.3', which is the reference degree of similarity. By multiplying by '0.6', '0.3', which is the reference degree of similarity, may be corrected to '0.18'.

Thereafter, the guide message transmitting unit 118 transmits the 'merchant category' among '0.2', which is the similarity between 'merchant category 1' and 'merchant category 3', and '0.1', which is the similarity between 'merchant category 2' and 'merchant category 3'. Since '0.2', which is the similarity between '1' and 'merchant category 3', is not confirmed to be less than the corrected standard similarity of '0.18', after determining that there is no abnormality in the payment that occurred at the affiliated store, the member terminal of 'Member 2' The guide message informing that an abnormal payment has occurred to 130 may not be transmitted.

According to an embodiment of the present invention, the customer management service server 110 receives a change request for changing the representative affiliated store category corresponding to the second member from the member terminal 140 of the second member, the second member The information on the representative affiliated store category corresponding to the member is replaced with at least one first new representative affiliated store category to update the information, and the update unit 119 may be further included.

When a change request for changing the representative affiliated store category corresponding to the second member is received from the second member's member terminal 140 , the update unit 119 sends a new representative affiliated store category to the second member's member terminal 140 . After a request for transmission of information on The information on the representative affiliated store category corresponding to the member is updated by replacing the at least one first new representative affiliated store category information.

For example, it is assumed that the second member is 'member 2' in the representative affiliate store category storage unit 113 as shown in Table 3 above.

At this time, the update unit 119 changes from the member terminal 140 of 'Member 2' to 'Member Category 3', 'Merchant Category 4', and 'Merchant Category 5', which are representative franchise categories corresponding to 'Member 2'. When a change request for 'Member 2' is received, transmission of information on the new representative affiliated store category may be requested to the member terminal 140 of 'Member 2'.

If, in response to a request for transmission of information on the new representative affiliated store category, from the member terminal 140 of 'member 2' to at least one first new representative affiliated store category, 'merchant category 6' and 'merchant category 7' When the customer management service server 110 receives information about Information on category 3', 'merchant category 4', and 'merchant category 5' is used as information on the at least one first new representative franchise category, 'merchant category 6' and 'merchant category 7', as shown in Table 5 below They can be replaced and updated together.

multiple members Representative Merchant Category member 1 Merchant Category 1 Merchant Category 2 member 2 Merchant Category 6 Merchant Category 7 ... ...

According to an embodiment of the present invention, the customer management service server 110 includes a payment history database 120 , a calculation unit 121 , a feature vector generation unit 122 , a clustering unit 123 , an extraction unit 124 , It may further include a ratio calculator 125 and an analysis information transmitter 126 .

The payment history database 120 stores information on payment histories at the plurality of affiliated stores corresponding to each of the plurality of members.

For example, the payment history database 120 may store information on payment histories at the plurality of affiliated stores corresponding to each of the plurality of members as shown in Table 6 below.

multiple members Payment history ... ... member 3 1. October 29, 2020
Merchant A: Pay 10,000 won
2. November 1, 2020
Merchant A: Pay 20,000 won
3. November 10, 2020
Merchant A: Pay 30,000 won member 4 1. September 28, 2020
Merchant B: 30,000 won payment
2. October 1, 2020
Merchant C: 50,000 won payment
3. ... ... ...

When a request for providing analysis information on a payment pattern group to which the third member belongs is received from the third member's member terminal 150 , the calculator 121 receives the plurality of pieces of information stored in the payment history database 120 . By checking the information on the payment history of each of the members, the number of payments and the average payment amount for a preset past period are calculated based on the current time of each of the plurality of members.

For example, the third member is referred to as 'member 3' in the payment history database 120 as shown in Table 6, the current time is referred to as "November 15, 2020", and the preset past period is referred to as "30 days". , when a request for providing analysis information on a payment pattern cluster to which 'member 3' belongs is received from the member terminal 150 of 'member 3', the calculator 121 stores it in the payment history database 120 By checking the information on the payment history of 'Member 3', the number of payments during the past period '30 days' based on 'November 15, 2020', the current time of 'Member 3', is set to '3 times ', and '20,000 won' can be calculated as the average payment amount for the past period of '30 days' based on 'November 15, 2020,' which is the current time of 'Member 3'.

In this way, the calculator 121 calculates the value of the '30 days' period in the past based on 'November 15, 2020', which is the current time of each of the remaining members stored in the payment history data 120 . The number of payments and the average payment amount can be calculated.

The feature vector generator 122 generates a feature vector corresponding to each of the plurality of members by constructing a two-dimensional vector having as components the number of payments and the average payment amount of each member for each of the plurality of members. do.

For example, as in the above-described example, when '3 times', which is the number of payments of 'member 3', and '20,000 won', which is the average payment amount, are calculated by the calculator 121, the feature vector generator 122 is configured to ' A two-dimensional vector of '[3 20000]' may be generated as a feature vector corresponding to 'member 3'.

In this way, the feature vector generator 122 may generate a feature vector corresponding to each of the remaining members.

The clustering unit 123 clusters the plurality of members into K payment pattern clusters by performing K-means clustering based on the feature vector corresponding to each of the plurality of members.

Here, K-means clustering refers to an algorithm that groups data in the form of a vector into K groups, and divides the data into K groups so that the difference between the distance between the center of the group to which the data belongs and the distance between each data is minimized. It is a clustering algorithm.

For example, when K is '3', the clustering unit 123 performs K-means clustering based on the feature vector corresponding to each of the plurality of members, so that the plurality of members are divided into '3'. Payment patterns can be clustered into clusters.

In this case, since the clustering unit 123 clusters the plurality of members into K groups based on a feature vector composed of the number of payments and the average payment amount, the plurality of members is a group with a high number of payments and a high average payment amount. , a group having a medium number of payments and a medium average payment amount, a group having a small number of payments and a low average payment amount, and the like.

When the plurality of members are clustered into the K payment pattern clusters, the extraction unit 124 identifies a first payment pattern cluster to which the feature vector of the third member belongs among the K payment pattern clusters, and then the first payment The median of the number of payments of members included in the pattern cluster and the median of the average payment amount are extracted.

Here, the median value means a value located at the center when the variables of the statistical group are arranged in the order of magnitude. For example, when there is a variate of '1, 2, 5, 12, 13', the median value may mean '5' in the center.

If, as in the above example, K is '3', the median number of payments of members included in the first payment pattern group is '5', and the median of the average payment amount is '50,000 won', When the plurality of members are clustered into '3' payment pattern clusters by the clustering unit 123, the extracting unit 124 is the first to which the feature vector of 'member 3' among the '3' payment pattern clusters belongs. After checking the first payment pattern cluster, 'five times', which is the median number of payments of members included in the first payment pattern cluster, and '50,000 won,' which is the median value of the average payment amount, may be extracted.

When the median value of the number of payments and the median of the average payment amount of the members included in the first payment pattern cluster is extracted, the ratio calculator 125 includes members included in the first payment pattern cluster among all the plurality of members. Calculate the first ratio to

For example, when all of the plurality of members are '100' and the members included in the first payment pattern group are '30', the ratio calculating unit 125 is '100' which is all of the plurality of members. In 'person', a first ratio in which '30 people', which are members included in the first payment pattern group, exist may be calculated as '30%'.

When the first ratio is calculated, the analysis information transmitting unit 126 sends information about the median of the first ratio and the number of payments and the median of the average payment amount to the member terminal 150 of the third member. 3 It is transmitted as analysis information on the payment pattern cluster to which the member belongs.

For example, as in the above example, when the first ratio is '30%', the median value of the number of payments is '5 times', and the median value of the average payment amount is '50,000 won', analysis information The transmitter 126 is the member terminal 150 of 'Member 3', and the first ratio '30%', '5 times' as the median of the number of payments, and '50,000 won' as the median of the average payment amount can be transmitted as analysis information on the payment pattern cluster to which 'member 3' belongs.

Through this, 'Member 3' can compare its own payment pattern with the payment patterns of other members, check whether it belongs to a group of members with which payment pattern, and to what percentage of the total members It can be checked whether the user belongs to a cluster having a payment pattern according to Since the analysis information on this payment pattern cluster can be used to correct their own payment habits, 'Member 3' can correct any wrong payment habits based on the analysis information on their payment pattern cluster. There will be.

Figure 2 is a plurality of members in accordance with an embodiment of the present invention, whenever a plurality of members proceed with payment at a plurality of affiliated stores, by receiving notification information about the payment generated at each affiliated store from the service server of each of the plurality of affiliated stores, It is a flowchart illustrating an operation method of a customer management service server that provides a guide service on whether or not an abnormal payment is made to the plurality of members.

In step S210, an affiliated store category storage unit in which information on an affiliated store category designated to correspond to each of the plurality of affiliated stores among a plurality of preset affiliated store categories is stored is maintained.

In step S220, for each of the plurality of affiliated store categories, identification information for users who have paid at least one time at an affiliated store according to each affiliated store category during a preset period among a plurality of preset population users is divided, A database of stored identification information is maintained.

In step S230, a representative affiliated store category storage unit in which information on at least one representative affiliated store category designated to correspond to each of the plurality of members among the plurality of affiliated store categories is stored is maintained.

In step S240, as the first member of the plurality of members proceeds with payment at the first affiliated store among the plurality of affiliated stores, the first member is transferred from the service server of the first affiliated store to the first affiliated store. When the first notification information indicating that payment has been made is received, referring to the representative affiliated store category storage unit, checking at least one first representative affiliated store category corresponding to the first member, and referring to the affiliated store category storage unit , check the first affiliated store category corresponding to the first affiliated store.

In step S250, when the at least one first representative affiliate store category and the first affiliate store category are identified, each of the at least one first representative affiliate store category stored in the identification information database is referred to with reference to the identification information database. After checking each of the at least one first representative affiliated store category and the number of users belonging to the first affiliated store category, based on the identification information of users belonging to and identification information of users belonging to the first affiliated store category, A degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated based on the number of confirmed users.

In step S260, if the degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category is all preset criteria When it is confirmed that the similarity is less than the similarity, a guide message informing that an abnormal payment has occurred is transmitted to the member terminal of the first member.

In this case, according to an embodiment of the present invention, in step S250, the degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category may be calculated according to the operation of Equation 1 below.

In addition, according to an embodiment of the present invention, in step S260, maintaining a correction value storage unit in which different correction values corresponding to each of the plurality of members are stored, and each of the at least one first representative affiliated store category; When the similarity between the first affiliated store categories is calculated, the reference similarity is corrected by multiplying the reference similarity by a correction value corresponding to the first member, and then between each of the at least one first representative affiliated store category and the first affiliated store category The method may include transmitting the guide message informing that an abnormal payment has occurred to the member terminal of the first member when it is confirmed that all of the similarities are less than the corrected reference similarity.

In addition, according to an embodiment of the present invention, in the method of operating the customer management service server, when a change request for changing the representative affiliated store category corresponding to the second member is received from the member terminal of the second member, the second member After requesting the transmission of information on the new representative affiliated store category to the member's member terminal, when information on at least one first new representative affiliated store category is received from the second member's member terminal, it is stored in the representative affiliated store category storage unit The method may further include updating the information on the representative affiliated store category corresponding to the second member by replacing the information on the representative affiliated store category corresponding to the second member with the at least one first new representative affiliated store category information.

In addition, according to an embodiment of the present invention, the method of operation of the customer management service server includes a payment history database in which information on payment histories in the plurality of affiliated stores, corresponding to each of the plurality of members, is stored. maintaining, when a request for providing analysis information on the payment pattern group to which the third member belongs is received from the member terminal of the third member, the payment history of each of the plurality of members stored in the payment history database calculating the number of payments and the average payment amount for a preset past period based on the current time of each of the plurality of members by checking information about the generating a feature vector corresponding to each of the plurality of members by constructing a two-dimensional vector having an average payment amount as a component, K-means clustering based on the feature vector corresponding to each of the plurality of members performing the clustering of the plurality of members into K payment pattern clusters; if the plurality of members are clustered into the K payment pattern clusters, the third member's feature vector among the K payment pattern clusters belongs After checking the first payment pattern cluster, extracting the median value of the number of payments and the median of the average payment amount of the members included in the first payment pattern cluster, the median value of the number of payments of the members included in the first payment pattern cluster and When the median of the average payment amount is extracted, calculating a first ratio in which members included in the first payment pattern cluster exist among all the plurality of members, and when the first ratio is calculated, the third member's The method may further include transmitting, to the member terminal, information on the first ratio, the median of the number of payments, and the median of the average payment amount as analysis information on the payment pattern group to which the third member belongs.

In the above, an operating method of the customer management service server according to an embodiment of the present invention has been described with reference to FIG. 2 . Here, since the operating method of the customer management service server according to an embodiment of the present invention may correspond to the configuration of the operation of the customer management service server 110 described with reference to FIG. 1 , a more detailed description thereof will be omitted. do it with

The operating method of the customer management service server according to an embodiment of the present invention may be implemented as a computer program stored in a storage medium for execution through combination with a computer.

In addition, the operating method of the customer management service server according to an embodiment of the present invention may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

As described above, in the present invention, specific matters such as specific components, etc., and limited embodiments and drawings have been described, but these are only provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , various modifications and variations are possible from these descriptions by those of ordinary skill in the art to which the present invention pertains.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and not only the claims described below, but also all those with equivalent or equivalent modifications to the claims will be said to belong to the scope of the spirit of the present invention. .

110: customer management service server
111: merchant category storage unit 112: identification information database
113: representative affiliated store category storage unit 114: confirmation unit
115: calculation unit 116: transmission unit
117: correction value storage unit 118: information message transmission unit
119: update unit 120: payment history database
121: calculator 122: feature vector generator
123: clustering unit 124: extraction unit
125: ratio calculation unit 126: analysis information transmission unit
130: member terminal of the first member
140: member terminal of the second member
150: member terminal of the third member
160: service server of the first affiliated store

Claims (12)

Whenever a plurality of members proceed with payment at a plurality of affiliated stores, notification information about payment generated at each affiliate is received from the service server of each of the plurality of affiliated stores, and information on whether abnormal payment is made to the plurality of members In the customer management service server that provides a guide service,
an affiliated store category storage unit for storing information on an affiliated store category designated to correspond to each of the plurality of affiliated store categories among a plurality of preset affiliated store categories;
For each of the plurality of affiliated store categories, identification information for users who have made payments at least once at an affiliated store according to each affiliated store category during a preset period among a plurality of preset population users is distinguished and stored. database;
a representative affiliated store category storage unit storing information on at least one representative affiliated store category designated to correspond to each of the plurality of members among the plurality of affiliated store categories;
As the first member of the plurality of members proceeds with payment at the first affiliated store among the plurality of affiliated stores, the first member proceeds with payment at the first affiliated store from the service server of the first affiliated store When the first notification information notifying of a confirmation unit for confirming a first affiliated store category corresponding to;
When the at least one first representative affiliate store category and the first affiliate store category are identified, users belonging to each of the at least one first representative affiliate store category stored in the identification information database are identified with reference to the identification information database. Based on the identification information and the identification information of users belonging to the first affiliated store category, after confirming each of the at least one first representative affiliated store category and the number of users belonging to the first affiliated store category, the number of confirmed users a calculating unit for calculating a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category based on ;
When the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is all confirmed to be less than a preset standard similarity a transmission unit for transmitting a guide message informing that an abnormal payment has occurred to the member terminal of the first member in case of an error; and
When a change request for changing the representative affiliated store category corresponding to the second member is received from the member terminal of the second member, the second member requests transmission of information on the new representative affiliated store category to the member terminal of the second member, and then When information on at least one new representative affiliated store category is received from the member terminal of the second member, information on the representative affiliated store category corresponding to the second member stored in the representative affiliated store category storage unit is transferred to the at least one representative affiliate store category. Renewal unit that replaces and updates the first new representative affiliated store category information
A customer management service server comprising a. According to claim 1,
the calculation unit
A customer management service server for calculating a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category according to the operation of Equation 1 below.
[Equation 1]

here,

is a degree of similarity between the nth representative affiliated store category among the at least one first representative affiliated store category and the first affiliated store category,

denotes the number of users simultaneously belonging to the nth representative affiliated store category and the first affiliated store category in the identification information database,

is the number of users belonging to the nth representative affiliated store category in the identification information database,

denotes the number of users belonging to the first affiliated store category in the identification information database. According to claim 1,
the transmission unit
a correction value storage unit in which different correction values corresponding to each of the plurality of members are stored; and
When the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the reference similarity is corrected by multiplying the reference similarity by a correction value corresponding to the first member, and then, the at least one first affiliated store category is calculated. When the degree of similarity between each of the representative affiliated store categories and the first affiliated store category is all found to be less than the corrected reference similarity, the guidance message is transmitted to the member terminal of the first member to inform that an abnormal payment has occurred. wealth
A customer management service server comprising a. delete According to claim 1,
a payment history database corresponding to each of the plurality of members, in which information on payment history at the plurality of affiliated stores is stored;
When a request for providing analysis information on the payment pattern cluster to which the third member belongs is received from the member terminal of the third member, information on each of the payment histories of the plurality of members stored in the payment history database is checked a calculation unit for calculating the number of payments and the average payment amount for a preset past period based on the current time point of each of the plurality of members;
a feature vector generator for generating, for each of the plurality of members, a feature vector corresponding to each of the plurality of members by constructing a two-dimensional vector having as components the number of payments of each member and the average payment amount;
a clustering unit for clustering the plurality of members into K payment pattern clusters by performing K-means clustering based on the feature vector corresponding to each of the plurality of members;
When the plurality of members are clustered into the K payment pattern clusters, after checking the first payment pattern cluster to which the feature vector of the third member belongs among the K payment pattern clusters, a member included in the first payment pattern cluster an extracting unit for extracting the median of the number of payments and the median of the average payment amount;
When the median value of the number of payments and the average payment amount of the members included in the first payment pattern cluster are extracted, a first ratio in which members included in the first payment pattern cluster exist among all the plurality of members is calculated a ratio calculating unit; and
When the first ratio is calculated, information on the median of the first ratio, the number of payments, and the median of the average payment amount to the member terminal of the third member for the payment pattern group to which the third member belongs Analysis information transmission unit that transmits analysis information
Customer management service server further comprising a. Whenever a plurality of members proceed with payment at a plurality of affiliated stores, notification information about payment generated at each affiliate is received from the service server of each of the plurality of affiliated stores, and information on whether abnormal payment is made to the plurality of members In the operating method of a customer management service server that provides a guide service,
maintaining an affiliated store category storage unit in which information on an affiliated store category designated to correspond to each of the plurality of affiliated stores among a plurality of preset affiliated store categories is stored;
For each of the plurality of affiliated store categories, identification information for users who have made payments at least once at an affiliated store according to each affiliated store category during a preset period among a plurality of preset population users is distinguished and stored. maintaining a database;
maintaining a representative affiliated store category storage unit in which information on at least one representative affiliated store category designated to correspond to each of the plurality of members among the plurality of affiliated store categories is stored;
As the first member of the plurality of members proceeds with payment at the first affiliated store among the plurality of affiliated stores, the first member proceeds with payment at the first affiliated store from the service server of the first affiliated store When the first notification information notifying of identifying a first affiliated store category corresponding to ;
When the at least one first representative affiliate store category and the first affiliate store category are identified, users belonging to each of the at least one first representative affiliate store category stored in the identification information database are identified with reference to the identification information database. Based on the identification information and the identification information of users belonging to the first affiliated store category, after confirming each of the at least one first representative affiliated store category and the number of users belonging to the first affiliated store category, the number of confirmed users calculating a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category based on ;
When the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is all confirmed to be less than a preset standard similarity transmitting a guide message informing that an abnormal payment has occurred to the member terminal of the first member in this case; and
When a change request for changing the representative affiliated store category corresponding to the second member is received from the member terminal of the second member, the second member requests transmission of information on the new representative affiliated store category to the member terminal of the second member, and then When information on at least one new representative affiliated store category is received from the member terminal of the second member, information on the representative affiliated store category corresponding to the second member stored in the representative affiliated store category storage unit is transferred to the at least one representative affiliate store category. Replacing and updating the first new representative affiliated store category information
How to operate a customer management service server comprising a. 7. The method of claim 6,
The calculating step is
An operating method of a customer management service server for calculating a degree of similarity between each of the at least one first representative affiliated store category and the first affiliated store category according to the operation of Equation 1 below.
[Equation 1]

here,

is a degree of similarity between the nth representative affiliated store category among the at least one first representative affiliated store category and the first affiliated store category,

denotes the number of users simultaneously belonging to the nth representative affiliated store category and the first affiliated store category in the identification information database,

is the number of users belonging to the nth representative affiliated store category in the identification information database,

denotes the number of users belonging to the first affiliated store category in the identification information database. 7. The method of claim 6,
The sending step is
maintaining a correction value storage unit in which different correction values corresponding to each of the plurality of members are stored; and
When the similarity between each of the at least one first representative affiliated store category and the first affiliated store category is calculated, the reference similarity is corrected by multiplying the reference similarity by a correction value corresponding to the first member, and then, the at least one first affiliated store category is calculated. Transmitting the guide message informing that an abnormal payment has occurred to the member terminal of the first member when the degree of similarity between each of the representative affiliated store categories and the first affiliated store category is all found to be less than the corrected reference similarity level;
How to operate a customer management service server comprising a. delete 7. The method of claim 6,
maintaining a payment history database corresponding to each of the plurality of members, in which information on payment history at the plurality of affiliated stores is stored;
When a request for providing analysis information on the payment pattern cluster to which the third member belongs is received from the member terminal of the third member, information on the payment history of each of the plurality of members stored in the payment history database is checked calculating the number of payments and the average payment amount for a preset past period based on the current time point of each of the plurality of members;
generating, for each of the plurality of members, a feature vector corresponding to each of the plurality of members by constructing a two-dimensional vector having as components the number of payments and the average payment amount of each member;
clustering the plurality of members into K payment pattern clusters by performing K-means clustering based on the feature vector corresponding to each of the plurality of members;
When the plurality of members are clustered into the K payment pattern clusters, after checking the first payment pattern cluster to which the feature vector of the third member belongs among the K payment pattern clusters, the members included in the first payment pattern cluster extracting the median of the number of payments and the median of the average payment amount;
When the median of the number of payments and the median of the average payment amount of members included in the first payment pattern cluster are extracted, a first ratio in which members included in the first payment pattern cluster exist among all the plurality of members is calculated to do; and
When the first ratio is calculated, information on the median of the first ratio, the number of payments, and the median of the average payment amount to the member terminal of the third member for the payment pattern group to which the third member belongs Steps to send as analytics information
Operating method of the customer management service server further comprising. A computer-readable recording medium recording a computer program for executing the method of any one of claims 6, 7, 8, or 10 through combination with a computer. A computer program stored in a storage medium for executing the method of any one of claims 6, 7, 8 or 10 in combination with a computer.

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