KR102480879B1 - Method and computer program product for generating payment data including location information of affiliated stores - Google Patents

Abstract

A method of determining a location of a store from payment criteria data including name information of the store is provided.
In the method of the present invention, the product price of at least one candidate store corresponding to name information of a store, information related to a payment completed before or after the point in time when payment is completed, payment pattern information of a user who has completed payment, or name information of a store The location of the store may be determined based on additional information including information.

Description

Method and computer program product for generating payment data including location information of stores based on payment criteria data

The present disclosure provides a method and computer program product for generating payment data including location information of a store based on payment criteria data.

Conventionally, since financial data possessed by each financial institution was not shared with each other, it was difficult for consumers to gather information scattered about each financial institution in one place, and it was difficult to compare financial products.

In order to solve this problem, the Credit Information Act has recently been revised so that users can have the right to request transmission of personal credit information. Accordingly, when a user requests to transfer credit information of a user from a specific financial institution to another financial institution, the specific financial institution must transmit the user's credit information to the other financial institution.

On the other hand, when user payment information is transmitted from a specific financial institution, the user's payment information transmitted includes only name information of the store where the payment was made and location information of the store where the payment was made is not included. There are cases.

Accordingly, since the financial institution receiving the user's payment information cannot accurately specify the store where the payment was made, there is a limit in that it cannot provide various services related to the user's consumption using the user's payment information.

The present invention provides a method and computer program product for generating payment data including location information of a store based on payment criteria data. The technical problem to be achieved by the present embodiment is not limited to the technical problems described above, and other technical problems can be inferred from the following embodiments.

As a technical means for achieving the above-described technical problem, a first aspect of the present disclosure is a method for determining the location of a store for which payment has been completed from first payment reference data, including name information of the store for which payment has been completed. obtaining first payment reference data; determining the location of the store based on the name information and additional information of the store; and generating payment data based on the first payment reference data and the determined location of the store, wherein the additional information includes information related to payment completed before or after the payment is completed, Product price information of at least one candidate store corresponding to the user's payment pattern information or the store name information may be included.

In addition, the step of determining the location of the store may include the first location information of the second payment standard data for which the payment was completed before the time when the payment was completed and the third payment standard data for which the payment was completed after the time when the payment was completed. 2 It can be obtained based on location information.

In addition, the determining of the location of the store may include a first time difference between when payment for the first payment standard data is completed and when payment for the second payment standard data is completed and when payment for the first payment data is completed and deriving a second time difference between when payment for the third payment reference data is completed; and assigning a weight to each of the first location information and the second location information based on the first time difference and the second time difference.

The determining of the location of the store may include mapping the first payment reference data and payment pattern information of the user corresponding to a point in time when the payment is completed; and determining the location of the store based on the name information of the store and the mapping result.

Also, the payment pattern information of the user may include payment reference data for each day of the week or payment reference data for each time zone of the user completed during a predetermined period from the time when the payment is completed.

The determining of the location of the store may include deriving at least one candidate store corresponding to the name information of the store; and comparing price information included in the first payment reference data with product price information of the at least one candidate store.

The determining of the location of the store may include determining the location of the store based on information related to payment completed before or after the payment is completed or payment pattern information of the user; and verifying the location of the determined store based on product price information of at least one candidate store corresponding to the name information of the store.

A second aspect of the present disclosure is an apparatus for determining a location of a store where payment has been completed from first payment reference data, comprising: a memory for storing at least one program; and at least one processor that determines the location of the store by executing the at least one program, wherein the at least one processor obtains first payment reference data including name information of the store for which the payment has been completed; , Determines the location of the store based on the name information and additional information of the store, generates payment data based on the first payment criterion data and the determined location of the store, and the additional information determines when the payment is completed. Information related to payment completed before or after the payment, payment pattern information of a user who completed the payment, or product price information of at least one candidate store corresponding to name information of the store may be included.

According to the above-described problem solving means of the present disclosure, it is possible to provide various services related to user consumption by inferring store location information from payment reference data including name information of a store where payment has been made.

1 is a diagram illustrating an example of a system including a payment reference data providing server and a payment data generating server.
2 is a diagram for explaining an example of acquiring payment reference data in a payment data generating server.
3 is a diagram for explaining another example of acquiring payment reference data in a payment data generating server.
4 is a diagram illustrating an example of obtaining location information of a store based on information related to payment performed before and after the time point at which payment is performed.
5 is a diagram illustrating another example of obtaining location information of a store based on information related to payment performed before and after the point in time at which payment is performed.
6 is a diagram illustrating an example of obtaining location information of a store based on user's payment pattern information.
7 is a diagram illustrating another example of acquiring store location information based on user payment pattern information.
8 is a diagram illustrating an example of acquiring store location information based on product price information of at least one candidate store corresponding to store name information.
9 is a flowchart of a method for determining a location of a store according to an embodiment.
10 is a block diagram of a payment data generation server according to an embodiment.

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

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected" but also the case where it is "electrically connected" with another element interposed therebetween. . In addition, when a certain component is said to "include", this means that it may further include other components without excluding other components unless otherwise stated.

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

1 is a diagram illustrating an example of a system including a payment reference data providing server and a payment data generating server.

A system according to an embodiment may include a payment reference data providing server 1000 and a payment data generating server 2000 .

The payment standard data providing server 1000 may refer to all types of servers that manage web and/or apps capable of providing payment standard data. For example, the payment standard data providing server 1000 may include a bank server, a card company server, a payment gateway (PG) company server, a value added network (VAN) company server, and the like. In addition, the payment standard data providing server 1000 may include a server of a company that acts as an agent for collecting payment standard data from a bank server or a card company server.

The payment reference data may include at least one of price information for a product or service paid by the user, time information for when payment for the product or service is completed, and information related to a payment method. In addition, the payment reference data may further include information about a server that performs payment or name information about a store where a user makes a payment. For example, when a user pays for a product or service in an online shopping mall, the payment reference data may further include information about a server that performs the payment. Also, when a user pays for a product or service at an offline store. The payment reference data may further include name information about the store where the user made the payment.

Meanwhile, the data included in the payment standard data is not limited to the above example, and the payment standard data may be included without limitation as long as the payment data generating server 2000 can receive data from the payment standard data providing server 2000.

The payment data generating server 2000 may receive payment reference data from the payment reference data providing server 1000 . For example, the payment data generating server 2000 may correspond to a server requested by a user to transmit user payment information to the payment reference data providing server 1000 .

Meanwhile, when a user pays for a product or service at an offline store, the payment standard data received from the payment standard data providing server 1000 includes name information about the store where the user made the payment. Location information of the store that performed may not be included.

According to an embodiment, the payment data generation server 2000 may determine the location of the store where the user made a payment based on the payment standard data and additional information received from the payment standard data providing server 1000 . For example, the additional information corresponds to first information related to payment performed before and after the payment of the payment standard data, second information related to the user's payment pattern, or name information of a store where payment of the payment standard data has been completed. may include third information related to product prices of at least one candidate store.

According to another embodiment, the first information related to the payment performed before and after the payment of the payment reference data, the second information related to the user's payment pattern, and the name information of the store where the payment of the payment reference data was performed The location of the store may be determined by assigning a weight corresponding to reliability to each of the third information related to the product price of the corresponding at least one candidate store.

According to another embodiment, the location of the store is determined based on the first information related to the payment performed before or after the payment of the payment reference data or the second information related to the user's payment pattern, and the location of the determined store The location may be verified based on third information related to the product price of at least one candidate store corresponding to the name information of the store where the payment was made in the payment reference data.

The payment reference data providing server 1000 may communicate with the payment data generating server 2000 through a network.

For example, the network may include a Local Area Network (LAN), a Wide Area Network (WAN), a Value Added Network (VAN), a mobile radio communication network, a satellite communication network, and any of these It is a comprehensive data communication network that includes mutual combinations and enables each network constituent entity shown in FIG. 1 to communicate smoothly with each other, and may include wired Internet, wireless Internet, and mobile wireless communication network. In addition, wireless communication, for example, wireless LAN (Wi-Fi), Bluetooth, Bluetooth low energy (Bluetooth low energy), Zigbee, WFD (Wi-Fi Direct), UWB (ultra wideband), infrared communication (IrDA, infrared Data Association), NFC (Near Field Communication), etc. may be present, but are not limited thereto.

Meanwhile, each of the payment standard data providing server 1000 and the payment data generating server 2000 may be implemented as a computer device or a plurality of computer devices that communicate over a network to provide commands, codes, files, contents, services, and the like. there is.

2 is a diagram for explaining an example of acquiring payment reference data in a payment data generating server.

Referring to FIG. 2 , the payment standard data providing server 1000 may transmit payment standard data 200 to the payment data generating server 2000 through a network.

The payment standard data providing server 1000 may store payment standard data 200 generated whenever a user completes a payment in an online shopping mall or an offline store. Payment standard data 200 shown in FIG. 2 shows an example of payment standard data generated when a user completes payment at an offline store.

The payment reference data 200 includes payment method related information 201, price information for products or services for which payment has been completed 202, time information for payment completed 203, and name information of the store where payment has been completed 204. can

Referring to the payment standard data 200 of FIG. 2, the user paid an amount of 8,800 won in a lump sum using a Kookmin card at 10:27 on April 26, and the store where the payment was made is 'AA Cafe Seocho' It can be seen that

On the other hand, as described above, there are cases in which the location information of the store where the payment was made is clearly specified from the payment standard data 200, but the location information of the store where the payment was made is not known from the payment standard data 200. also exists

3 is a diagram for explaining another example of acquiring payment reference data in a payment data generating server.

Like the payment standard data 200 of FIG. 2, the payment standard data 300 of FIG. 3 includes payment method related information 301, price information on goods or services for which payment has been completed 302, and information on the time when payment has been completed 303. ) and name information 304 of the store where the payment is completed may be included.

Referring to the payment standard data 300 of FIG. 3, the user paid an amount of 25,000 won in a lump sum using a Kookmin card at 14:30 on April 26, and it can be seen that the store where the payment was made is 'AAA' there is.

The payment standard data generation server 2000 can only know the name information of the store where the payment was made from the payment standard data 300, but cannot know the location information of the store where the payment was made. Accordingly, the payment standard data generating server 2000 may not be able to accurately specify the store 'AAA' where the payment was made.

In this case, the payment standard data generation server 2000 acquires the location information of the store 'AAA' based on the received payment standard data 300 and additional information in order to accurately specify the store 'AAA' where the payment was made. can The payment criterion data generation server 2000 may accurately specify the store 'AAA' by acquiring the location information of the store 'AAA'.

The payment standard data generation server 2000 may generate payment data including payment standard data and store location information. For example, the payment data generation server 2000 may provide a personalized/customized advertisement service to the user based on the generated payment data.

4 is a diagram illustrating an example of obtaining location information of a store based on information related to payment performed before and after the time point at which payment is performed.

Referring to FIG. 4 , the payment data generation server 2000 may receive the first payment standard data 400, the second payment standard data 410, and the third payment standard data 420 from the payment standard data generation server. there is.

Referring to the first payment standard data 400 of FIG. 4 , since the first payment standard data 400 includes only information that the name of the store where the user made the payment is 'AAA', the payment data generation server 2000 ) may not accurately specify the store 'AAA'.

For example, the payment data generating server 2000 provides location information and first payment standard data 400 of second payment standard data 410 for which payment has been completed prior to the point at which payment for the first payment standard data 400 is completed. The location of the store 'AAA' may be determined based on the location information of the third payment standard data 420 after the payment is completed.

Referring to the second payment standard data 410, the user made a lump sum payment of 37,300 won using a Kookmin card at 14:10 on April 26, and the store where the payment was made is 'BB Budaejjigae Seocho' It can be seen that In addition, referring to the third payment standard data 420, the user paid an amount of 89,000 won in a lump sum using Hana Card at 15:00 on April 26, and the store where the payment was made is 'CC Super Seocho' ' can be seen.

The payment data generation server 2000 provides information that the store where the payment of the second payment standard data 410 was made is located in Seocho and the information that the store where the payment of the third payment standard data 420 was made is located in Seocho. Based on this, it may be determined that the store where the payment of the first payment standard data 400 was performed is 'AAA Cafe Seocho' instead of 'AAA hair salon Pangyo'.

The payment data generation server 2000 may finally generate payment data 430 based on the payment reference data 400 and the determined store location.

Meanwhile, the payment data generation server 2000 determines that the payment for the second payment standard data 410 and the payment for the third payment standard data 420 are completed within a predetermined time from the time when the payment for the first payment standard data 400 is completed. In this case, it may be determined that the store where the payment of the first payment standard data 400 is completed is 'AAA Cafe Seocho'. For example, the payment data generating server 2000 determines that the payment of the first payment standard data 400 is the time when the payment of the second payment standard data 410 is completed and the time when the payment of the third payment standard data 420 is completed. Since it is within 30 minutes from the time when is completed, it can be determined that the store where the payment of the first payment standard data 400 was performed is 'AAA Cafe Seocho'. Meanwhile, the preset time is not limited to 30 minutes as described above, and the payment data generating server 2000 may set variously.

For example, the payment data generation server 2000 sets the payment for the second payment standard data 410 and the payment for the third payment standard data 420 from the time when the payment for the first payment standard data 400 is completed. If it is not performed within the time limit, the location of the store may be determined by further considering product price information of at least one candidate store corresponding to the payment pattern information of the user who has completed the payment or the name information of the store.

5 is a diagram illustrating another example of obtaining location information of a store based on information related to payment performed before and after the point in time at which payment is performed.

As described above with reference to FIG. 4 , the payment data generation server 2000 generates location information of the second payment standard data 510 for which payment has been completed before the point at which payment for the first payment standard data 500 is completed and the first payment standard The location information of the store 'AAA' may be obtained based on the location information of the third payment standard data 520 after the payment of the data 500 is completed.

The payment data generation server 2000 determines the first time difference between the time when the payment for the first payment standard data is completed and the time when the payment for the second payment standard data is completed, and the time when the payment for the first payment data is completed and the time when the third payment standard data is completed. A second time difference between when payment is completed may be derived. The payment data generation server 2000 may assign weights to location information of the first payment standard data and location information of the second payment standard data 510 based on the first time difference and the second time difference.

Referring to the second payment standard data 510, the user made a lump sum payment of 37,300 won using a Kookmin card at 14:10 on April 26, and the store where the payment was made was 'BB Budaejjigae Seocho'. It can be seen that In addition, referring to the third payment standard data 520, the user paid an amount of KRW 89,000 in a lump sum using Hana Card at 15:10 on April 26, and the store where the payment was made is 'CC Super Pangyo Branch' '.

The payment data generation server 2000 may set an area of a predetermined radius from 'BB Budaejjigae Seocho Branch', which is the first location information, as the first candidate area range 530 where the store 'AAA' may be located. Similarly, an area of a certain radius from the second location information 'BB Budaejjigae Seocho Branch' may be set as the second candidate area range 540 where the store 'AAA' may be located. 'AAA Cafe Seochojeom' with the name 'AAA' may exist in the first candidate area range 530, and 'AAA Beauty Salon Pangyo Branch' with the name 'AAA' may exist in the second candidate area area 540. there is.

For example, the payment data generating server 2000 determines the time difference between the time when the payment for the first payment data 500 is completed and the time when the payment for the second payment reference data 510 is completed and the first payment data 500 Weights may be assigned to each of the first candidate region range 530 and the second candidate region range 540 based on the time difference between when the payment is completed and when the payment for the third payment reference data 520 is completed. .

Referring to FIG. 5, the time difference between the time when the payment for the first payment data 500 is performed and the time when the payment for the second payment standard data 510 is performed is 20 minutes, and the payment for the first payment data 500 is A time difference between the time when payment is performed and the time when payment of the third payment reference data 520 is performed may correspond to 40 minutes. Accordingly, the payment data generating server 2000 may assign a higher weight to the first candidate regional range 530 than the second candidate regional range 540 .

In this case, the payment data generation server 2000 may determine that the store where the payment for the first payment data 500 was made is 'AAA Cafe Seocho' existing within the first candidate area 530 .

Alternatively, the payment data generating server 2000 may determine that the probability that the store where the payment for the first payment data 500 was made is 'AAA Cafe Seocho' is higher than the probability that it is 'AAA Hair Salon Pangyo'. The payment data generating server 2000 additionally determines the location of the store 'AAA' based on information related to the user's payment pattern or price information of products/services sold at 'AAA Cafe Seocho' and 'AAA Beauty Salon Pangyo'. Thus, the location of the store 'AAA' can be finally determined.

6 is a diagram illustrating an example of obtaining location information of a store based on user's payment pattern information.

The payment data generation server 2000 may determine the location of the store 'AAA' where the payment for the first payment reference data 600 was performed based on the payment pattern information 610 of the user.

The user's payment pattern information 610 may include, but is not limited to, payment standard data for each day of the week or payment standard data for each time period of the user performed during a preset period. For example, the user's payment pattern information 610 may include user's payment reference data performed during a holiday, anniversary, weekend, or specific season for a preset period of time.

The payment data generating server 2000 may map the first payment reference data 600 and the user's payment pattern information 610 corresponding to the time when the payment of the first payment reference data 600 is performed.

For example, since the payment for the first payment standard data 600 is at 14:30 on March 2 (Tuesday), the user's payment pattern information 610 is available from 12:30 to 14 on Tuesdays during the preset period. It may include payment standard data of a user whose payment was completed between :30. The payment data generation server 2000 may map the first payment reference data 600 and the user's payment pattern information 610 and determine the location of the store 'AAA' based on the mapping result.

Referring to FIG. 6 , user payment pattern information 610 includes second payment standard data 620, third payment standard data 630, fourth payment standard data 640, and fifth payment standard data 650. can include According to the second payment standard data 620, the third payment standard data 630, the fourth payment standard data 640, and the fifth payment standard data 650, the user is paid every Tuesday between 12:30 and 14:30. It can be seen that the payment is made in the Seocho area. Accordingly, the payment data generation server 2000 may set a candidate region range 660 in which the store 'AAA' may be located based on the user's payment pattern information 610 . The payment data generation server 2000 may determine 'AAA Cafe Seochojeom' existing within the candidate area range 660 as the location of the store 'AAA'.

7 is a diagram illustrating another example of acquiring store location information based on user payment pattern information.

As described above with reference to FIG. 6 , the payment data generating server 2000 may determine the location of the store 'AAA' where the payment of the first payment reference data 700 is completed based on the payment pattern information 710 of the user. The payment data generating server 2000 may map the first payment reference data 700 and the user's payment pattern information 710 corresponding to the point in time when payment of the first payment reference data 700 is completed.

Referring to FIG. 7 , user payment pattern information 710 includes second payment standard data 720, third payment standard data 730, fourth payment standard data 740, and fifth payment standard data 750. can include According to the second payment standard data 720, the third payment standard data 730, and the fourth payment standard data 740, the user makes payment in the Seocho area every Tuesday between 12:30 and 14:30. Able to know. Meanwhile, according to the fifth payment reference data 740, it can be seen that the payment was performed in the Pangyo area between 12:30 and 14:30 on Tuesday, February 23.

Accordingly, the payment data generating server 2000 is a candidate region where the store 'AAA' can be located based on the second payment standard data 720, the third payment standard data 730, and the fourth payment standard data 740. A range 760 may be set, and a candidate area range 770 in which the store 'AAA' may be located may be set based on the fifth payment criterion data 770 .

The payment data generation server 2000 generates a first candidate region range 760 and a second candidate region range (760) based on the payment frequency in the candidate region range 760 and the payment frequency in the candidate region range 770 770) can assign a weight to each. Since the payment frequency in the user's candidate region range 760 is higher than the payment frequency in the second candidate region range 770, the payment data generating server 2000 assigns the second candidate region to the first candidate region range 760. It can be weighted higher than the range.

In this case, the payment data generation server 2000 may determine that the store for which payment for the first payment data 700 is completed is 'AAA Cafe Seocho' existing within the first candidate area 760 .

Alternatively, the payment data generating server 2000 may determine that the probability that the store where payment for the first payment data 700 is completed is 'AAA Cafe Seocho' is higher than the probability that it is 'AAA Hair Salon Pangyo'. The payment data generation server 2000 additionally provides information related to payment performed before and after the payment of the first payment data 700 is completed, or products/services sold at 'AAA Cafe Seocho' and 'AAA Beauty Salon Pangyo' The location information of the store 'AAA' may be finally determined by determining the location of the store 'AAA' based on the price information of .

8 is a diagram illustrating an example of acquiring store location information based on product price information of at least one candidate store corresponding to store name information.

Referring to FIG. 8 , the payment data generating server 2000 may determine the location of the store 'AAA' where payment for the first payment standard data 800 is completed based on product price information 810 .

The payment data generation server 2000 may derive candidate stores corresponding to the name information of the store where the payment of the first payment reference data 800 was performed. The payment data generating server 2000 may compare price information included in the first payment reference data 800 with product price information of candidate stores.

In addition, when the payment data generation server 2000 compares the price information included in the first payment reference data 800 with product price information of candidate stores, the payment data generation server 2000 also considers information related to the average number of visitors or average payment amount of candidate stores. can

For example, the payment data generation server 2000 selects candidate stores 'AAA Cafe Seocho' and 'AAA Beauty Salon Pangyo' having the same name as 'AAA', which is the name of the store where payment for the first payment reference data 800 is completed. ' can be derived. The database of the payment data generating server 2000 may store price information of products or services sold by various stores.

Referring to FIG. 8 , product price information 810 includes price information 820 of products sold at the candidate store 'AAA Cafe Seocho' and price information 830 of services sold at the candidate store 'AAA Beauty Salon Pangyo Branch'. can include The payment amount of the first payment standard data 800 corresponds to 14300 won, and the payment data generating server 2000 determines that the payment amount of 14300 won is based on the first price information 820 or the second price information 830. It can be judged whether it can be derived.

For example, the payment data generation server 2000 determines that the payment amount of 14300 won can be derived based on the first price information 820, but cannot be derived based on the second price information 830. can Accordingly, the payment data generation server 2000 may determine that the store where the payment of the first payment reference data 800 was performed is 'AAA Cafe Seocho'.

Alternatively, for example, the payment of the first payment standard data 800 is completed based on information related to payment completed before or after the time when the payment of the first payment standard data 800 is performed or information related to the user's payment pattern. When it is determined that the store is 'AAA Cafe Seocho', the payment data generation server 2000 can verify whether the store where the payment was made is 'AAA Cafe Seocho' using the first price information 820. there is. As a result of the verification, when it is determined that the price information of the first payment standard data 800 cannot be derived based on the first price information 820 and can be derived based on the second price information 830, payment data is generated The server 2000 may determine that the store for which payment has been completed is 'AAA Beauty Salon Pangyo Branch' instead of 'AAA Cafe Seocho Branch'.

9 is a flowchart of a method for determining a location of a store according to an embodiment.

Referring to FIG. 9 , in step 910, the processor may obtain first payment criterion data including name information of a store for which payment has been completed.

The first payment reference data may include payment method-related information, price information for products or services for which payment has been completed, time information for which payment has been completed, and name information of a store for which payment has been completed.

The processor can only know the name information of the store where the payment was made from the payment reference data, but cannot know the location information of the store where the payment was made. Accordingly, the processor may not be able to accurately specify the store where the payment was made.

In step 920, the processor may determine the location of the store based on the name information and additional information of the store.

For example, the additional information corresponds to first information related to payment performed before and after the payment of the payment standard data, second information related to the user's payment pattern, or name information of a store where payment of the payment standard data has been completed. may include third information related to product prices of at least one candidate store.

According to another embodiment, the processor may provide first information related to payment performed before and after the point in time at which payment of the payment reference data is performed, second information related to the user's payment pattern, and the name of the store where payment of the payment reference data was performed. The location of the store may be determined by assigning a weight corresponding to reliability to each of the third information related to the product price of at least one candidate store corresponding to the information.

According to another embodiment, the processor determines the location of the store based on the first information related to the payment performed before or after the payment of the payment reference data or the second information related to the user's payment pattern, and determines the location of the store. The location of the store may be verified based on the third information related to the product price of at least one candidate store corresponding to the name information of the store where payment was made in the payment reference data.

In step 930, the processor may generate payment data based on the first payment reference data and the determined location of the store.

The processor may provide a personalized/customized advertisement service to the user based on the generated payment data.

10 is a block diagram of a payment data generation server according to an embodiment.

Referring to FIG. 10 , the payment data generating server 2000 may include a communication unit 1010, a processor 1020, and a DB 1030. In the payment data generation server 2000 of FIG. 10 , only components related to the embodiment are shown. Accordingly, those skilled in the art can understand that other general-purpose components may be further included in addition to the components shown in FIG. 10 .

The communication unit 1010 may include one or more components that enable wired/wireless communication with a payment standard data providing server. For example, the communication unit 1010 may include at least one of a short-range communication unit (not shown), a mobile communication unit (not shown), and a broadcast reception unit (not shown).

The DB 1030 is hardware for storing various data processed in the payment data generating server 2000, and may store programs for processing and controlling the processor 1020. The DB 1030 may store payment information, user information, and the like.

The DB 1030 includes random access memory (RAM) such as dynamic random access memory (DRAM) and static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), and CD-ROM. ROM, Blu-ray or other optical disk storage, hard disk drive (HDD), solid state drive (SSD), or flash memory.

The processor 1020 controls the overall operation of the payment data generating server 2000 . For example, the processor 1020 may generally control an input unit (not shown), a display (not shown), a communication unit 1010, and the DB 1030 by executing programs stored in the DB 1030. The processor 1020 may control the operation of the payment data generating server 2000 by executing programs stored in the DB 1030 .

The processor 1020 includes application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, and microcontrollers. It may be implemented using at least one of micro-controllers, microprocessors, and electrical units for performing other functions.

Various embodiments of the present disclosure may be implemented as software (eg, a program) including one or more instructions stored in a storage medium readable by a machine. For example, the processor of the device may call at least one command among one or more commands stored from a storage medium and execute it. This enables the device to be operated to perform at least one function according to the at least one command invoked. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The device-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-temporary' only means that the storage medium is a tangible device and does not contain signals (e.g., electromagnetic waves), and this term refers to the case where data is stored semi-permanently in the storage medium. It does not discriminate when it is temporarily stored.

According to one embodiment, the method according to various embodiments of the present disclosure may be provided by being included in a computer program product. Computers, programs, and products can be traded between sellers and buyers as commodities. A computer, program, or product is distributed in the form of a device-readable storage medium (e.g., compact disc read only memory (CD-ROM)), or through an application store (e.g., Play Store™) or between two user devices. It can be distributed (e.g., downloaded or uploaded) directly or online. In the case of online distribution, at least part of the “computer” program “product” may be temporarily stored or temporarily created in a device-readable storage medium such as a manufacturer’s server, an application store server, or a relay server’s memory.

Also, in this specification, “unit” may be a hardware component such as a processor or a circuit, and/or a software component executed by the hardware component such as a processor.

The scope of the present embodiment is indicated by the appended claims rather than the detailed description above, and should be construed as including all changes or modifications derived from the meaning and scope of the claims and equivalent concepts thereof.

Claims (4)

An apparatus for determining a location of a store where payment has been completed from first payment reference data,
a memory in which at least one program is stored; and
a processor that performs calculations by executing the at least one program;
the processor,
Obtaining first payment reference data including name information of the store for which the payment is completed;
Determine the location of the store based on the name information and additional information of the store;
Generating payment data based on the first payment reference data and the determined location of the store;
The additional information includes first information related to a payment completed before or after the payment is completed, second information related to a payment pattern of a user who has completed the payment, or at least one candidate store corresponding to name information of the store. Including third information related to the price of the product;
The processor determines the location of the store by assigning a first weight to the first information and a second weight to the second information, and verifies the location of the store using the third information;
Giving the first weight,
From the first payment standard data and the first information, the second payment standard data for which payment was completed before the time when the payment for the first payment standard data was completed and the payment for the first payment standard data was completed after the time when the payment was completed. Acquiring third payment standard data;
Setting a first candidate region range and a second candidate region range from location information included in the second payment standard data and location information included in the third payment standard data, respectively;
a first time difference between when payment for the first payment standard data is completed and when payment for the second payment standard data is completed, and when payment for the first payment standard data is completed and when payment for the third payment standard data is completed; derive the second time difference between
assigning the first weight to each of the first candidate region range and the second candidate region range based on the first time difference and the second time difference;
Giving the second weight,
Deriving a third candidate region range and a fourth candidate region range by mapping the first payment reference data and the second information corresponding to a point in time when the payment is completed;
assigning the second weight to each of the third candidate region range and the fourth candidate region range based on a first payment frequency in the third candidate region range and a second payment frequency in the fourth candidate region range would,
When the first time difference corresponds to a value smaller than the second time difference, the first weight assigned to the first candidate region range corresponds to a value larger than the first weight assigned to the second candidate region range; ,
When the first payment frequency corresponds to a value greater than the second payment frequency, the second weight assigned to the third candidate region range is greater than the second weight assigned to the fourth candidate region range. Corresponding device. According to claim 1,
The second information related to the user's payment pattern,
Payment standard data by day, payment standard data by time period, payment standard data by holiday, payment standard data by anniversary, payment standard data by weekend, or payment standard data by season , Device. A method of operating an apparatus for determining a location of a store where payment has been completed from first payment reference data,
obtaining first payment reference data including name information of a store for which the payment has been completed;
determining the location of the store based on the name information and additional information of the store; and
generating payment data based on the first payment reference data and the determined location of the store;
including,
The additional information includes first information related to a payment completed before or after the payment is completed, second information related to a payment pattern of a user who has completed the payment, or at least one candidate store corresponding to name information of the store. Including third information related to the price of the product;
The method may include determining the location of the store by assigning a first weight to the first information and a second weight to the second information; and verifying the location of the store using the third information; including,
Giving the first weight,
From the first payment standard data and the first information, the second payment standard data for which payment was completed before the time when the payment for the first payment standard data was completed and the payment for the first payment standard data was completed after the time when the payment was completed. obtaining third payment reference data;
setting a first candidate region range and a second candidate region range, respectively, from location information included in the second payment standard data and location information included in the third payment standard data;
a first time difference between when payment for the first payment standard data is completed and when payment for the second payment standard data is completed, and when payment for the first payment standard data is completed and when payment for the third payment standard data is completed; deriving a second time difference between the intervals; and
assigning the first weight to each of the first candidate region range and the second candidate region range based on the first time difference and the second time difference; contains;
Giving the second weight,
deriving a third candidate region range and a fourth candidate region range by mapping the first payment reference data and the second information corresponding to a point in time when the payment is completed; and
assigning the second weight to each of the third candidate region range and the fourth candidate region range based on a first payment frequency in the third candidate region range and a second payment frequency in the fourth candidate region range step; including,
When the first time difference corresponds to a value smaller than the second time difference, the first weight assigned to the first candidate region range corresponds to a value larger than the first weight assigned to the second candidate region range; ,
When the first payment frequency corresponds to a value greater than the second payment frequency, the second weight assigned to the third candidate region range is greater than the second weight assigned to the fourth candidate region range. Corresponding, how. A computer-readable recording medium recording a program for executing the method according to claim 3 on a computer.

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