KR20000049678A - System and method of recommending and issuing a card using Internet and point-calculating method using card-mall - Google Patents

Abstract

PURPOSE: A card recommendation & issuing system and method is provided to recommend a plurality kinds of cards appropriate for a user, send the card selected by the user to a card company, manage the card issued by the card company and notify the user of the card issuing information over the internet. CONSTITUTION: A card recommendation & issuing system and method comprises steps of a user accessing a card recommendation server(200), the user registering at the server as a member(210), the server informing the user of a membership certificate of authentication(215), the user sending a card request information to the server(220), the server displaying a request screen on the user's terminal(225), the user sending an age code to the server(230), sending an occupation code to the server(235), the server sending a bank list to the user if a correct occupation code does not exist(236), the user selecting a bank(237), the server displaying a corresponding bank card list on the user's terminal(238), selecting the bank card and sending it with a member ID, a card kind and a card company URL to the server(239), the user selecting a rebate usable with the card or other card tied up with the selected card(245) and the server certifying the card code and the rebate list, and displaying the information on the user's terminal

Description

System and method of recommending and issuing card using internet and point calculation method using card mall {System and method of recommending and issuing a card using Internet and point-calculating method using card-mall}

The present invention relates to a card recommendation and issuance system and method using the Internet and a card calculation method using the Internet to receive a card recommendation using the Internet, and issue a card based on the recommended card.

Recently, customers frequently issue cards using the Internet without directly visiting a card company.

Currently, when a customer issues a card using the Internet, he or she may access a web page of a card company to be issued and select a card to be handled by the card company, thereby obtaining a card by processing the card company.

However, in this case, the customer who wants to issue a card must know the URL of the card company's web page, and even if it is known, the card type printed on the card company's web page is limited, so the efficiency of card issuance is falling. .

In addition, since a customer does not know exactly which card company's card and the card products associated with each card, the credit card issuing reliability is greatly reduced.

Accordingly, the present invention has been made in view of the above problems, the customer is recommended before the card issuing a card suitable for him, by reviewing the recommended card to apply for the card that is most suitable for them, issued by the card The aim is to make it possible to simultaneously issue a card from the recommendation of a card to a certain web page.

1 is an overall schematic diagram of a card recommendation and issuing system according to a preferred embodiment of the present invention.

2A to 2B are flowcharts for explaining an operation of recommending a card product suitable for a user and issuing a card in a card recommendation and issuing system according to an exemplary embodiment of the present invention.

Figure 3 is a flow chart for explaining the operation of the card issuance is not possible according to the age restriction of the user according to another embodiment of the present invention.

4 is a flowchart illustrating an operation when a user does not have a job to be searched according to another exemplary embodiment of the present invention.

5 is a flowchart illustrating an operation of managing point scores when a user purchases a product using a card issued according to another embodiment of the present invention.

6a to 6g are exemplary views showing an output screen by the card recommendation system according to the present invention.

Figure 7a is an exemplary view showing an output screen of the web page of the card mall server.

7B is an exemplary view showing an output screen of a subweb page when the user selects a card through the output screen of the web page.

<Description of the code | symbol about the principal part of drawing>

100: user terminal 120: card recommendation server

140: card mall server 160a, 160b, 160z: card company server

In order to achieve the above object, according to an embodiment according to an aspect of the present invention, identifying and authenticating a user's personal identity, receiving the personal information selected by the authenticated user, using the personal information Recommending at least one card product suitable for the user; receiving card goods information selected by the user from among a plurality of recommended card goods; transmitting the card goods information to a corresponding card company; Providing a card recommendation and issuance method using the Internet, the method including inputting issued card information based on a card product, calculating points based on the issued card information, and notifying the user of the card information; Can be.

According to a preferred embodiment provided with a method for recommending and issuing a card using the Internet, the personal information includes age, occupation, occupation, and affiliated product, wherein the occupation includes a detailed type of occupation selected by a user. Card goods include card goods generated by an agreement between each card company and the selling company.

According to another preferred embodiment provided with a card recommendation and issuance method using the Internet, a card product suitable for the user is calculated based on the user's age, occupation, occupation, and affiliated product.

According to another preferred embodiment provided with a card recommendation and issuance method using the Internet, the method further comprises the step of notifying the card issuance and family card information when the user is under 18 years old.

According to another preferred embodiment provided with a method for recommending and issuing a card using the Internet, when the occupation selected by the user is not on the list of occupations, the bank input by the user is entered using a bank DB, and the bank selected by the user is entered. The method may further include extracting a card product based on the number of months the user has traded and the transaction performance.

According to another preferred embodiment provided with a card recommendation and issuance method using the Internet, a member DB including a holding card, a final new recommendation card date and time, a membership level, a card company code, a card code, a card name, and a card company URL Card attribute classification, card attribute subclassification, card attribute subclassification, card name, card attribute subclassification, wherein the card attribute classification includes at least one of a traffic card, a car card, and an air card; A card comprising a card attribute DB, a card code, and a card attribute, including at least one of affiliated products including cell phone use, Internet use, and travel use, the card attribute subdivision being indicated by 1 representing a traffic card Membership property DB including each property DB, membership condition classification, and membership condition subclass is used. And that is characterized.

According to another preferred embodiment provided with a card recommendation and issuance method using the Internet, it includes a member DB, member ID, issuance application card code, card issuance application date, card issuing date and time, final creation date shared with the card recommendation server To the history management DB, member ID, card mall point score, the point DB, including the final creation date, member ID, card company code, card code, final creation date, issuance DB, member ID, card company code, including the corresponding card properties, It is characterized by using an error DB including the card code, the date of last writing, an error flag, and the reason for the error.

According to a preferred date and time according to another aspect of the invention, the step of identifying and authenticating the personal identity of the user, receiving the personal information selected by the authenticated user, a plurality of cards suitable for the user using the personal information A card recommendation method using the Internet performing a step of recommending a product may be provided.

According to a preferred date and time according to another aspect of the present invention, the step of receiving a card company and the card goods selected by the user using a card mall, transmitting the selected card company and card goods to the card company using a card company URL, Receiving card information issued by the card company based on the card product, calculating a point based on the issued card information, and notifying the user of the card information, and a card application date and time according to the user's card selection It may provide a card issuing method using the Internet to record the card properties in the history management DB, granting a point to the user when the card issuance is approved by the card company, and storing the point score in the point DB. have.

According to a preferred date and time according to another aspect of the present invention, the step of the user requesting the purchase of goods using the card mall, the step of granting points to the user using the card mall, the user requested to purchase the goods requested by the card company Signing a contract using a card, re-establishing the user's points based on the concluded contract, notifying the user of the contract conclusion and the re-established point result, It is possible to provide a point calculation method using a card mall including a step of paying a part.

According to a preferred date and time according to another aspect of the present invention, the card recommendation server for calculating a plurality of card products suitable for the user, the card products selected by the customer among the recommended card products are transmitted to the card company server, the corresponding It is possible to provide a card recommendation and issuance system using the Internet including a card mall server that receives a card issued by a card company and manages it in a predetermined DB and notifies the card issuing information to a user.

According to a preferred embodiment provided with a card recommendation and issuing system using the Internet, the card mall server receives a user ID, card product URL and card product code from the card recommendation server and stores in the history management DB It includes a transmission unit for transmitting the user ID, card product URL and card product code through the URL of the card company server, point management unit for managing the points of each user based on the card issuing information issued from the card company.

According to a preferred date and time according to another aspect of the present invention, the user information transmission unit for transmitting the user information to the card company server by confirming the user's card application, receives the card code issued from the card company, card information issued to the user It is possible to provide a card recommendation system using the Internet including an issuing information notification unit for notifying information.

According to a preferred date and time according to another aspect of the present invention, the user information transmission unit for transmitting the user information to the card company server by confirming the user's card application, receives the card code issued from the card company, card information issued to the user It is possible to provide a card issuing system using the Internet including an issuing information notification unit for notifying information.

According to a preferred embodiment in which a card issuing system using the Internet is provided, a history management storage unit storing card codes and card information of the issued card in a history management DB, and calculating points based on the card information The apparatus may further include a point accumulation information notification unit that notifies the user of accumulated point accumulation information by purchasing a product using an issued card.

According to a preferred embodiment in which a card issuing system using the Internet is provided, a point score is accumulated only when a user purchases a product using a shopping mall of a card mall server.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 shows an overall schematic diagram of a card recommendation and issuing system according to a preferred embodiment of the present invention.

Referring to FIG. 1, the card lottery and issuing system of the present invention includes a card recommendation server 120 and a card mall server 140.

Here, the card recommendation server 120 and the card mall server 140 are built by a specific company and may be included in one server device or may be built in each server device.

The card recommendation server 120 accesses the server 120 using the user terminal 100 to identify a card product suitable for the user, and the card recommendation webpage stored in the storage device of the server 120. The ID is outputted to the display device of the user terminal 100, and the certificate is granted at the same time as registering as a member using the output web page.

The user who is authenticated at the same time as the member registration selects a plurality of card products included in the card company of age, occupation, occupation, card company, and the card company, and the card product suitable for the user is output.

In addition, the card mall server 140 checks the card and card products suitable for the user through the card recommendation server 120, and if the user selects the card company based on the card recommendation server 120, It automatically connects to the card mall server 140 and draws another web page stored in the storage device of the card mall server 140 and outputs it to the display device of the user terminal 100.

The card mall server 140 receives the card company URL and the card product code from the card recommendation server 120 and checks them, and automatically accesses the card company URL and the card product code through the connection to the card mall server 140. Take input,

The card mall server 140 generates a questionnaire regarding the existence of a card application to the user and transmits a questionnaire message.

When a card application is requested by a user who checks the transmitted questionnaire message, in response to a card application request by the user, the card mall server 140 displays user information such as a user ID, a corresponding card company, and recommended products of the card company on the Internet. Send to the card company server through.

The card company server inquires the identity of the user based on the user information and checks whether the user can be issued a card and completes the card issuance, and transmits the card company information and the card code to the card mall server 140. .

The card mall server 140 notifies the content of the card issuance by the user's e-mail or personal information management.

Meanwhile, the card recommendation server 120 includes a member DB, a card DB, a card attribute DB, a card attribute attribute DB, and a card subscription attribute DB. The card mall server 140 includes a history management DB, a point DB, and an issue DB. , Error DB is configured.

Here, the card recommendation server 120 and the card mall server 140 share a member DB together.

The member DB is for managing a user as a member and using it as an authentication material when issuing a card. The member name, social security number, email ID, email reception status, company, company zip code, company address, home zip code, home address, It includes a holding card, the last new card date and time, membership level, and receives the member information from the user and stores it in the member DB.

The card DB contains information about the card company selected by the user, and includes a card company code, a card code, a card name, and a card company URL.

The card attribute classification is for a class of cards, and includes a card attribute classification, a card attribute subclass, a card attribute subclass, a card attribute subclass, and a card name.

For example, the card attribute classification is a top-level concept to determine whether a traffic card function. The card attribute classification includes various functions that can be used as a traffic card based on the card attribute classification. This includes the use of travel-related services, such as the use of internet during maintenance, the use of Internet shopping malls, and the purchase of air tickets.

In addition, the card sub-classification is a sub-concept of gas station use, and includes a SK gas station, LG oil, OIL bank, Ssangyong oil and the like.

The card attribute subdivision is represented by the number '1' and is used as a traffic key, which may be modified according to future cooperation cards.

For a more detailed example, let's say you have a program like this:

insert into card_lcode values ('001', '001', '001', 'live services such as restaurants, hotels and condos', '1');

insert into card_lcode values ('001', '002', '001', 'travel-related use such as purchasing a ticket', '1');

insert into card_lcode values ('001', '003', '001', 'communication related usage such as mobile communication charges and Internet communication charges', '1');

Here, the first three digits '001' in the first line are the card attribute class, the '001' next is the card attribute major classification, and the next '001' is the card attribute subclass, followed by the 'eating out'. Active services such as businesses, hotels, condos, etc., represent card names, followed by '1', which represent card attribute subdivisions.

Therefore, each card attribute is classified, cataloged and stored by the program as described above, and the corresponding card product is drawn out by the user's selection.

The card-specific attribute DB is a card product for each card company defined by combining the binary code assigned to the card, and includes a card company code and a card property.

For example, suppose you have the following program:

insert into card_p_link values ('201', '001001001');

insert into card_p_link values ('202', '001001001,001002001,001004001');

insert into card_p_link values ('202', '001001001,001002001,001004001');

Here, the first '201', '202', '203' represents each card company code, the binary code after it is a code according to the card attribute classification, the card types and card products and card products handled by the card company Indicates the products available for the card.

Therefore, if '201' is A card company, '202' is B card company, and '203' is C card company, the second line of the program means B card company, and catering companies and hotels handled by B card company. , Travel services such as condos, purchase of tickets, and travel-related usage.

The membership attribute is to classify a member who has registered as a member, and includes a major classification of membership and a small classification of membership.

Accordingly, the membership classification large category includes the type of occupation, and the membership classification small category includes the type of occupation.

Meanwhile, the history management DB included in the card mall server 140 includes a history generated while the member uses the card mall, and a member ID, an application card code, a card issuing date and time, a card issuing date and time. , The date of last creation, the card company selected by the user, and the card product type of the card company.

The member DB of the card recommendation server 120 may be shared with the card mall server 140 to reduce a procedure in which a user who registers with the card recommendation server 120 registers again, and registers a new member. In order to use the card mall, a user needs to register a new member.

The point DB is a live score given to a user who subscribes as a member when a member applies for a card by using the card mall, and includes a member ID, a point score, and a final creation date.

Therefore, when a user applies for a card using the card mall, a certain point score is given to the user, and when a user purchases a product in the card mall using a issued card, a fee is charged based on the point score. Pay some.

The issuance confirmation DB contains information when the card issuance is made by the card company by the user's card application, and includes a member ID, a card company code, a card code, a final creation date, and desired card attributes.

The error DB contains information when the user's card application is rejected by the card company, and includes a member ID, a card company code, a card code, a final date of creation, an error solving method, and an error reason.

Here, the error reason may include "you can not be issued a card due to bad credit", "you can not be issued a card due to age restrictions".

Hereinafter, a flow of an operation for recommending and issuing a card according to an exemplary embodiment of the present invention will be described with reference to FIGS. 2 to 5.

2A to 2B are flowcharts illustrating an operation of recommending a card product suitable for a user and issuing a card in the card recommendation and issuing system according to an exemplary embodiment of the present invention.

3 is a flowchart illustrating an operation of not issuing a card according to the age restriction of the user according to another embodiment of the present invention, and FIG. 4 is a case when the user does not have a job to be searched according to another embodiment of the present invention. A flowchart for explaining the operation of FIG.

5 is a flowchart illustrating an operation of managing point scores when a user purchases a product using a card issued according to another embodiment of the present invention.

First, a user connects to the card recommendation server 120 using a URL address on the Internet, and the card recommendation server 120 searches for whether the URL address matches (200).

Next, if the search result of the card recommendation server 120 matches the corresponding address, the card recommendation web page is retrieved and output to the display device through the user terminal 100 (205).

Next, the user checks whether the card recommendation server 120 is used by logging in, and if not registered as a member, registers as a member through a predetermined member registration process (210).

Here, the data entered by the user is stored in the member DB as a list and used later when the member logs in.

Next, when the card recommendation server 120 confirms the login of the user, a certificate is generated and notified to the user (215), and the user transmits the request information of the recommendation card request to the card recommendation server 120 (220). .

Here, the request information includes the age, occupation occupation, affiliate product card and the rebate of the affiliate product card, wherein the request information includes a card DB, a card attribute DB, a card-specific attribute DB, and a membership attribute DB in advance as a list. The card information is stored in the storage device of the card recommendation server 120, and when the user requests the request information, the request information is retrieved from the storage device of the card recommendation server 120 and output to the user terminal 100.

Next, after checking the request information, the card recommendation server 120 outputs the request screen to the display device of the user terminal 100 (225).

Next, the user selects his age in the age option displayed on the request screen to transmit the age code to the card recommendation server 120 (230), and moves to the next request screen to his job selection in the occupation selection Select to transmit the job code to the card recommendation server 120 (235).

On the other hand, as shown in Figure 3, if the age selected by the user in the age selection is less than 18 years old (230), the card recommendation server 120 withdraws the text to notify the user, the user card After checking the text containing the information about the issue and the family card guide, the user may take action according to the above contents (232).

In addition, as shown in FIG. 4, when the occupation to be selected by the user does not exist in the displayed occupation selection screen (235), the card recommendation server 120 generates a bank list and transmits the bank list to the user. (236).

Next, the user selects a bank to which he deals based on the output bank list and transmits a bank code to the card recommendation server 120 (237).

The card recommendation server 120 outputs a bank card list to the user terminal 100 based on the transaction performance of the bank of the bank which the user transacted based on the bank selected by the user (238).

The user selects a card using the output bank card list, and transmits the member ID, the card product code, and the card company URL to the card recommendation server 120 (239).

In operation 235, the user who selects a job type moves to the next screen, selects his job from the job option output, and transmits a job code to the card recommendation server 120 (240).

Next, when the user moves to the next screen and selects an affiliate product card and a rebate that can be used as the affiliate product card, the user selects a product card code and a rebate list to the card recommendation server 120 (245).

Here, the rebate may be used for gas stations, in the maintenance of automobiles, mobile related charges, communication related usage such as Internet communication charges, Internet related use such as Internet shopping malls, specialty for women such as fashion clothes, beauty salons, weddings, and travel related use such as ticket purchases. , Amusement parks and the like.

Next, the card recommendation server 120 checks the card code and the rebate list, and withdraws the corresponding product card and the rebate and outputs it through the user terminal 100 (250).

Next, when the user selects a card company suitable for himself among the recommended card products outputted, after the card product code is transmitted to the card recommendation server 120 and confirmed (260), the card recommendation server 120 is the user's ID and card company. The URL and the card product code are transmitted to the card mall server 140 (265).

Next, the card mall server 140 checks the card company and the card product selected by the user, and then generates a card application questionnaire and transmits the questionnaire message to the user (270).

Next, when the user requests a card application (275), the card mall server 140 stores the card application date and time, the card attribute in the history management DB, and then transmits the user information to the card company (280).

Here, the card attribute includes a card company URL, a card product, and a rebate, and the user information includes all items filled in when the user registers as a member in the card recommendation server 120.

Next, the card company receives the user information and determines whether to issue the card through a predetermined procedure, and if the card is determined to be issued, transmits the card information and the card code issued to the card mall server 140 (285).

Next, the card mall server 140 generates a user's own point based on the issued card, gives the user a certain point score, stores the given point score in the point DB, and issues the issued information to the user. The point accumulation information is notified 290.

At this time, the issuance information and the point accumulation information notified from the card mall server 140 are transmitted to the user's personal e-mail or personal information management to confirm the card issuance of the user to end all processes.

On the other hand, when the user who issued the card to purchase the goods through the card mall using the issued card as shown in FIG.

First, when the user selects the card issued to him, the card recommendation code is sent to the card recommendation server 120 (260), the card recommendation server 120 card user ID, card company URL, card product code By transmitting to the mall server 140 outputs the web page of the card mall server 140 to the user terminal 100 (300).

Next, when the user requests the goods provided in the card mall through the card mall server 140 using the issued card (310), the card mall server 140 checks the requested goods and then goes to the card company server. The product code is transmitted (320).

Next, the card company recognizes and processes the product requested by the user, completes the contract conclusion, and transmits the completed contract conclusion content to the card mall server 140 (330).

Next, the card mall server 140 calculates the points according to the concluded contract, stores the point reestablishment result in the point DB, and transmits the contract conclusion to the user (340).

At this time, when the user secures a certain point accumulation point, the card mall server 140 converts a part of the product fee when the user purchases the product into a monetary point and converts the point accumulation point into a currency, and pays a predetermined amount. Redefine the point score.

6A to 6G show exemplary views showing an output screen by the card recommendation system according to the present invention.

After the user confirms membership by logging in and then requests a recommendation card, a request information screen is output from the card recommendation server 120 as shown in FIG. 6A.

When the user clicks the selection at the bottom of the first 'Please select the age of the member', the ages classified as under 18 years old, over 18 years old under 20 years old, and over 20 years old are output.

If the user selects the age of 20 years or older, the user moves to the next screen and two 'Please select the eligibility requirements' are displayed. Here, the qualification requirements are divided into occupations and job selection.

First, when the user clicks the occupation selection, as shown in Fig. 6b, the media agency full-time student college student, international institution full-time employee education institution, financial institution trader, financial institution, enterprise, public servant, public institution employee, representative of the merchant are outputted, Choose from these occupations that apply to you.

If the user selects a financial institution and clicks a job selection, as shown in FIG. 6C, a job including a general financial contractor, a second financial contractor, a Saemaul vault contractor, a foreign financial institution contractor, or the like that is dependent on the financial institution is displayed. Is output.

When the user completes the selection of the job, as shown in Figure 6d it is asked whether the user uses the traffic card.

Here, the traffic card is a kind of affiliated product card, but in the present invention, the traffic card is exemplified, but the affiliated product card can be made as much as possible depending on the partnership between the card company and the sales company.

If the user accepts the traffic card, a rebate product subordinate to the traffic card is output as shown in Figs. 6E and 6F.

As shown in Figure 6e and 6f, the rebate, the use of the main location, car maintenance, mobile communication charges, Internet-related use, such as Internet shopping malls, fashion clothing, beauty salons, wedding-specific specialty such as women, travel-related use, such as ticket purchase Includes a park.

As shown in FIG. 6G, when the user selects all ages, occupations, occupations, traffic card use, and rebates dependent on the traffic card, the card recommendation sub may be selected based on all the results selected by the user. The rebate of the recommendation card is output.

Therefore, the user selects a card suitable for himself among the recommended plurality of cards, so that the card is issued by the card company.

In addition, the output rebates of all the rebates of cards handled by each card company are output, and the rebates selected by the user are separately displayed (light gray in FIG. 6G).

On the other hand, when the user is issued a card directly without being introduced to the recommendation card through the card recommendation server 120, as shown in Figure 7a to 7b the user can directly connect to the card mall server 140 to issue a card. .

FIG. 7A illustrates an example of an output screen of a web page of the card mall server 140.

FIG. 7B illustrates an example of an output screen of a subweb page when the user selects a card through the output screen of the web page.

When the user accesses the card mall server 140 by inputting a URL which is a webpage address of the card mall server 140 as shown in FIG. 7A, the web page is output through the user terminal 100.

Each card company is outputted as a list on the output screen, and each card company is linked so as to be connected to the homepage of the card company with a mouse click.

Here, the card company includes LG Capital, National Card, BC Card, Samsung Card, Diners Card, but a newly established card company can be generated more by upgrading a new card company in the card mall server 140.

If the user wants to be issued a Samsung card and clicks on the Samsung card with the mouse, the merchant card webpage is output to the user terminal 100 by the Samsung card URL.

As shown in FIG. 7B, the service list for the Samsung card is output on the output screen.

Here, the list outputs all services handled by the Samsung card such as card products, card applications, loan products, loan applications, cash service transfers, merchant subscription applications, and online inquiry.

Therefore, the user selects a card product to confirm the card product handled by the Samsung card, checks the product card handled by the Samsung card, and clicks a card application list to apply for a card.

In addition, as shown in FIG. 7A, a user who has issued a card may purchase a product through shopping on a screen displayed on a card mall webpage.

That is, when the user clicks on the shopping with a mouse, various products are generated, and when the user selects a product he / she wants to purchase among the various products, the user scores a certain score in the point DB of the card mall server 140. Add, and convert the point score into an amount based on the accumulated point score to pay a certain amount.

Therefore, the point score is re-established by the amount paid and stored in the point DB.

In addition, by using the card mall web page, the card company's cash service, loan service, merchant application and online inquiry can be made.

According to the present invention, a user who is familiar with card products handled by each card company separately from the above does not need to use a card recommendation system.

That is, when the user directly accesses the card mall server 140, the card mall server 140 checks whether the URL address matches, and draws the card mall web page to the user terminal 100.

The user selects a card company to which the card is to be issued from among various card companies in the card mall web page, and examines card products handled by the card company.

The user can be issued a card by deciding a card product suitable for the user based on the examined card product and then applying for the card.

In addition, if the user does not need to issue a card and wants to recommend a card suitable for him and a card product subordinate to the card, the user can select the age, occupation, occupation, affiliate card and rebate through the card recommendation server 120, Recommend suitable card products.

According to the present invention made as described above, the customer can be recommended card suitable for him, by applying the most suitable card among the recommended card can be issued, while ensuring the efficiency of card issuance quality of service to the customer Can improve.

In addition, customers who do not need the card recommendation by knowing the card company and card products suitable for them in advance, can directly access each card company on the web page using the card mall webpage and select the card that is suitable for them. You can get a card.

Claims (32)

It consists of a card recommendation server that recommends the appropriate card products to the user and a card mall server that sends the card application to the card company to receive the card. In the issuance method, Verifying and authenticating a user's personal identity; Receiving personal information selected by an authenticated user; Recommending at least one card product suitable for the user using the personal information; Receiving card goods information selected by a user from among a plurality of recommended card goods; Transmitting the card product information to a corresponding card company; Inputting card information issued on the basis of the card product by the card company; Calculating points based on the issued card information and notifying the user of the card information; Card recommendation and issuance method using the Internet comprising a. The method of claim 1, The personal information is Age, Occupation, Occupation, Partnership Card recommendation and issuance method using the Internet comprising a. The method of claim 2, The job is Card recommendation and issuing method using the Internet, characterized in that it comprises a detailed type of occupation selected by the user. The method of claim 2, The affiliate card product mentioned above Card recommendation and issuance method using the Internet, characterized in that the card product generated by the agreement between each card company and the sales company. The method of claim 1, Card products suitable for the user Card recommendation and issuing method using the Internet, characterized in that calculated based on the user's age, occupation, occupation, affiliate products. The method of claim 1, Steps to notify you of no card issue and family card instructions if you are under 18 Card recommendation and issuance method using the Internet further comprising. The method of claim 1, Inputting a bank to which the user transacts using a bank DB when the occupation selected by the user is not in the occupation list; Extracting a card product according to the number of months the user has made and the transaction performance based on the bank selected by the user; Card recommendation and issuance method using the Internet further comprising. The method of claim 1, Member DB including retention card, last new referral card date and time, membership level Card recommendation and issuing method using the Internet, characterized in that using. The method of claim 1, Card DB including card company code, card code, card name, card company URL Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, Card attribute DB including card attribute classification, card attribute classification, card attribute subclass, card name, card attribute subclass Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 10, The card attribute classification may include at least one of a traffic card, a car card, and an air card. The method of claim 10, The card attribute classification is Card recommendation and issuance method using the Internet including at least one of affiliated products, including gas station use, mobile phone use, Internet use, travel-related use. The method of claim 10, Card attribute subdivision Card recommendation and issuing method using the Internet, characterized in that the 1 indicating the traffic card. The method of claim 1, Card-specific property DB including card code and card property Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, DB of membership properties including membership classification subclass, membership subclass Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, Member DB shared with card recommendation server Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, History management DB including member ID, issuance request card code, card issuance request date, card issuance confirmation date, and last written date Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, Point DB including member ID, card mall point score, and date of last creation Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, Issuing DB including member ID, card company code, card code, last created date, and corresponding card attributes Card recommendation and issuance method using the Internet, characterized in that using more. The method of claim 1, Error DB including member ID, card company code, card code, last created date, error flag, error reason Card recommendation and issuance method using the Internet, characterized in that using more. In the card recommendation method using the Internet to provide a card recommendation server for recommending a card product suitable for a user to output at least one recommendation card, Verifying and authenticating a user's personal identity; Receiving personal information selected by an authenticated user; Recommending a plurality of card products suitable for the user using the personal information. Card recommendation method using the Internet to perform. In the card issuing method using the Internet that the user is issued a card using the card mall, Receiving a card company and a card product selected by a user using a card mall; Transmitting the selected card company and card products to a corresponding card company using a card company URL; Receiving card information issued by the card company based on the card product; Calculating points based on the issued card information and notifying the user of the card information; Card issuing method using the Internet to perform the. The method of claim 22, Recording the card application date and time and card attributes according to the user's card selection in the history management DB Card issuing method using the Internet further comprising. The method of claim 22, If the card issuance is approved by the card company, the point is given to the user, and the point score is stored in the point DB. Card issuing method using the Internet further comprising. In the point calculation method using a card mall using a card issued to a user, A user requesting to purchase a product using a card mall; Granting points to the user using the card mall; Signing a contract for a product requested by a user using a card company; Redefining the user's points based on the concluded contract; Notifying the user of the contract conclusion and the reestablished point result Point calculation method using a card mall including a. The method of claim 25, Paying a part of the commodity price based on the granted points Point calculation method using a card mall further comprising. In the card recommendation and issuance system using the Internet for recommending and issuing card goods to users through a network A card recommendation server for calculating a plurality of card goods suitable for a user; A card mall server that transmits a card product selected by a customer among the recommended card products to a corresponding card company server, receives a card issued by the corresponding card company, manages it in a predetermined DB, and informs a user of card issuing information. Card recommendation and issuance system using the Internet, including. The method of claim 27, The card mall server A history management storage unit which receives a user ID, a card product URL and a card product code from the card recommendation server and stores the received ID in a history management DB; A transmission unit for transmitting the user ID, the card product URL, and the card product code through a URL of a corresponding card company server; Point management unit that manages the points of each user based on the card issuing information issued by the card company Card recommendation and issuance system using the Internet further comprising. In the card recommendation system using the Internet having a card recommendation server for recommending a card suitable for a user through a network, An authentication unit which checks and authenticates the user's personal information; A card product recommending unit for recommending a card product using the personal information; An output unit for outputting the recommended card product to a display device of a user Card recommendation system using the Internet, including. In the card issuing system using the Internet provided with a card mall server for issuing a card by using the card information of a plurality of card companies provided to the user through the network, A user information transmission unit which checks the user's card application and transmits the user information to the card company server; Issuing information notification unit that receives the card code, card information issued from the card company and notifies the issue information to the user Card issuing system using the Internet comprising a. The method of claim 30, A history management storage unit for storing card codes and card information of the issued card in a history management DB; A point calculator configured to calculate a point based on the card information; Point accumulation information notification unit for notifying users of accumulated point accumulation information by purchasing goods using issued cards Card issuing system using the Internet further comprising a. The method of claim 31, wherein The card issuing system using the Internet, characterized in that the point score is accumulated only when a user purchases a product using a shopping mall of the card mall server.