KR20040000156A - Multifunctional guidance terminal and system and method for establishing a bus station using the terminal - Google Patents

Abstract

PURPOSE: A multi-functional guide terminal and a system for constructing a bus stop using the same are provided to guide arrival and departure of a bus, charge electronic cash, and issue ticket and coupon. CONSTITUTION: A multi-functional guide terminal(100) comprises the first display device(110), the second display device(120), a card reader(140), a printing device(150), and a communication device(160). The first display device(110) is controlled by a CPU, and displays an Internet document stored at an external server. The second display device(120) is for the user. The card reader(140) reads a credit card of the user. When a user inputs a credit card, the card reader(140) receives corresponding data form the external server. The printing device(150) prints a ticket or a coupon. When the user buys a ticket or a coupon, the ticket or the coupon is printed through the printing device(150).

Description

MULTIFUNCTIONAL GUIDANCE TERMINAL AND SYSTEM AND METHOD FOR ESTABLISHING A BUS STATION USING THE TERMINAL}

The present invention relates to a multi-function information terminal and a bus stop construction system using the same, and more specifically, to a bus arrival time guide, an electronic ticket release, a multi-function information terminal capable of charging electronic money, and a more improved bus stop using such a multi-function information terminal. It relates to a build system.

Currently, bus arrival guidance terminals installed at bus stops mainly provide bus arrival guidance services. In addition, the bus arrival guidance terminal installed at a high cost is not properly managed due to intentional damage of customers or damage caused by natural disasters.

In addition, although the above-described bus information terminal is installed at a bus stop with a large population, it does not properly utilize such advantages.

On the other hand, the street recruiting method is widely used as a method of attracting new customers to credit cards or electronic money. However, since this method is performed at a street stand that is not properly equipped, it is indiscriminately without any minimal inquiry about new customers. Attracting customers and, as a result, issuing a problem of issuing a credit card to a minor or a person who does not meet the credit card issuance standard. This problem causes various damages to credit card companies, subscribers, etc., and is spreading to social problems. In other words, a more stable and systematic sales method is required in the method of attracting customers in the street with a large floating population.

Accordingly, the present applicant intends to propose a multi-function bus guide terminal that can be used more efficiently by improving the bus guide terminal installed at the bus stop. In addition, by using such a multi-function bus information terminal, we will propose a system that can more stably activate sales on the streets with a large population, and can function as a customer service center that can consult customer complaints.

In order to solve the above problems, an object of the present invention is to provide a multi-function guide terminal having a bus arrival information guide, electronic money charging function and ticket / coupon release function.

Another object of the present invention is to provide a bus stop building system that can efficiently utilize the above-mentioned multi-function guide terminal.

In addition, another object of the present invention is to provide a method for charging electronic money using the above-described bus stop building system.

Another object of the present invention is to provide a ticket / coupon release method using the above-described bus stop construction system.

In addition, another object of the present invention is to provide a method for operating a customer service center and a new customer attraction center by using the above-described bus stop building system.

1 is a block diagram showing the configuration of a multi-function guide terminal according to the present invention.

Figure 2 is a block diagram showing the overall bus stop building system according to the present invention.

Figure 3 is a block diagram showing the configuration of the relay station of the stop building system according to the present invention.

Figure 4 is a block diagram illustrating a control method for a display device of a multi-function guide terminal according to the present invention.

5 is a flowchart illustrating a process of purchasing an electronic ticket using the multi-function guide terminal according to the present invention.

6 is a flowchart illustrating a card charging process using the multi-function guide terminal according to the present invention.

FIG. 7 is a flowchart for explaining a card charging process of FIG. 6.

8 is a flowchart illustrating a process of consulting a customer and a service provider in a management center of the stop building system according to the present invention in sequence.

9 is a flowchart illustrating a new customer attraction process sequentially in the management center of the stop building system according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100: central processing unit

110, 120: display device

130: encoder

140: card recognition device

150: output device

160: communication device

200: multifunction information terminal

210: System Maintenance Center

230: relay station

300: guide terminal management server

310: ticket / coupon management server

320: member management server

330: communication server

The present invention for achieving the above object relates to a multi-function guidance terminal having a central processing unit for controlling and managing the overall operation, at least one display device, and a communication device capable of communicating with an external network, the central processing unit And a dedicated browser executed by the control of the first display device, wherein the first display device sequentially displays documents in an external server through the dedicated browser in a predetermined order, and the second display device is configured to display a document from a user. It is possible to input and operate according to the user's input.

Preferably, the multi-function guidance terminal further includes a card recognition device capable of recognizing a credit card, and an output device capable of outputting a coupon or the like under the control of the central processing unit.

In addition, when the display device is an analog display device, it is preferable to further include an encoder for converting a digital signal into an analog signal.

A bus stop building system according to another embodiment of the present invention is a multi-function guide terminal that allows a user to select a desired function while displaying predetermined information, and includes a central processing unit, at least one display device, and an external network. A multi-function guide terminal having a communication device capable of communicating, and a document to be displayed on the display device of the multi-function guide terminal, the management server controlling the documents to be displayed on the multi-function guide terminal in a predetermined order. ,

The first display device of the display device is characterized in that for sequentially displaying the documents stored in the management server according to a predetermined order, the second display device is configured to be input from the user, it is possible to select a desired function It features.

A ticket issuing method, which is another embodiment of the present invention, relates to a ticket issuing method in a system comprising a multi-function guide terminal, a ticket / coupon management server, and a ticket issuing destination having a display device and an output device capable of user input. Requesting the electronic ticket purchase through the display device of the multi-function information terminal, requesting the ticket / coupon management server to approve the electronic ticket output in response to the ticket purchase request from the multi-function information terminal, and requesting the electronic ticket output approval request. If the ticket issuing agency approves, the ticket / coupon management server stores the original electronic ticket in a predetermined storage device, and instructs issuance of an electronic ticket, and according to the electronic ticket issuing instruction, the multi-function guidance terminal sends the ticket to the output device. It characterized in that it comprises the step of outputting.

Another embodiment of the present invention is a customer service providing method comprising a customer, a service provider, and at least one customer service center, wherein the customer contacts the service provider to request a consultation, according to the consultation request. The service provider schedules a consultation date and time and a customer service center to be consulted, the service provider transmits data related to the reservation setting to a corresponding customer service center, and the customer consults a scheduled consultation. Characterized in that it comprises a step of consulting a customer service center at a time.

Another embodiment of the present invention includes a customer, a service provider, and at least one customer service center, and a method of attracting a new customer includes the steps of: a customer filling out a subscription application and submitting it to the customer service center; Confirming the card issuance condition from the service provider according to the contents of the application; if the card issuance condition is met according to the verification step, the customer service center receives the application and transmits it to the service provider; And, the service provider is characterized in that it comprises the step of transmitting the card issuance results to the customer.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention. First, in adding reference numerals to the components of each drawing, it should be noted that the same components are denoted by the same reference numerals as much as possible, even if displayed on different drawings.

1 is a block diagram showing the configuration of a multi-function guide terminal according to the present invention. Hereinafter, the configuration of the multi-function guide terminal according to the present invention will be described in detail with reference to FIG. 1.

As shown in FIG. 1, the multi-function guide terminal according to the present invention includes a central processing unit 100, a first display device 110, a second display device 120, a card recognition device 140, and an output device 150. ) And a communication device 160 to provide bus arrival guidance and traffic information, such as bus arrival time, and to function as ticket release and electronic money charging. Hereinafter, each component is demonstrated concretely.

LCDs, LEDs, TVs, monitors, etc. may be used as the first and second display devices. On the other hand, when the display device is a display device for processing an analog signal, it is preferable to further include an encoder to convert the digital signal into an analog signal to be input to the display device.

The multi-function guide terminal according to the present invention preferably further includes a dedicated browser capable of displaying the Internet document such as HTML and XML on the first display device 110. The first display device 110 is controlled by a central processing unit, and displays the Internet document registered and stored in an external server by driving the dedicated browser. A detailed description of the operation of the first display device will be described later.

The second display device 120 may be controlled by the user, and the user who has been authenticated may select information displayed on the screen to obtain or purchase information provided by the terminal. Therefore, the multi-function guide terminal according to the present invention preferably further includes an input device for allowing a user to select information on the second display device 120. The input device may be a key input means such as a touch screen or a keyboard.

The card recognition device 140 may read a user's credit card. When the user inputs a credit card or the like, the card recognition device 140 may receive corresponding information from an external related server through a communication device.

The CPU 100 may control the display of the first and second display devices, and may control execution of a corresponding operation according to data input through the input device. In addition, the overall operation of the multi-function guidance terminal is managed and controlled.

The communication device 160 may be formed of one of the Internet, a LAN, a WAN, a PSTN, a PSDN, and the like so that the central processing unit can communicate with the outside.

The output device 150 is a device that can output a ticket or coupon. When a user selects and purchases desired information through the second display device, a ticket, a coupon, and the like, which are generated as a purchase action, are output through the output device 150.

The above-described multi-function guide terminal includes at least two display devices, so that one display device can continuously provide bus arrival guidance and arrival time guidance, and another display device allows the user to select desired information or functions. have. As a result, the multi-function guidance terminal according to the present invention can provide not only continuous information such as bus arrival time but also functions such as electronic ticket release and electronic money charging.

On the other hand, it is very natural that the above-mentioned multi-function guidance terminal can be used not only for bus stops but also for stops of vehicles such as trains and taxis. In addition, it is easy for anyone to know that the multi-function guide terminal according to the present invention can be used not only at a stop but also at a place where there is a need or demand for providing continuous information.

Hereinafter, with reference to the accompanying drawings, it will be described in detail with respect to the bus stop building system using the above-mentioned multi-function guide terminal which is an embodiment of the present invention.

2 is a block diagram generally showing a bus stop building system according to an embodiment of the present invention. Hereinafter, the configuration and operation of the system according to an exemplary embodiment of the present invention will be described in detail with reference to FIG. 2.

As shown in FIG. 2, the bus stop building system according to the present invention includes a multi-function guide terminal 200 and a relay station 230, which are connected to each other via a network. In addition, the relay station 230 includes a management server 300, a ticket / coupon management server 310, a member management server 320, and a communication server 330. Hereinafter, each component of the system according to the present invention will be described in detail.

As described above, the multi-function guide terminal 200 has first and second display devices, the first display device is automatically controlled by the guide terminal management server in the relay station, and the second display device is controlled by the user. It is characterized by. In one embodiment of the present invention, the multi-function guide terminal is installed in a bus stop, and continuously displays the arrival time of the bus through the first display device under the control of the relay station.

The relay station 230 controls the multi-function guide terminal 200, manages members, issues and stores tickets / coupons, and performs security processing of data input and output. It controls the systems of external partners such as credit card companies, banks and ticket issuing companies and the connection to the multi-function information terminal. Detailed description of each component of the relay station will be described later.

Meanwhile, the bus stop building system according to the present invention may further include a management center 210 in an area in which the multifunctional guide terminal is installed, for example, a bus stop. The management center 210 is preferably used as a means for maintaining the multi-function guide terminal 200, and may also function as a customer service center and customer attraction center of service providers such as credit card companies.

In addition, the relay station 230 of the bus stop building system according to the present invention may be connected to the bank 220, the service provider 250, the ticket release company 240 through a network such as the Internet. In this case, the service provider 250 may include credit card companies or electronic money companies. That is, when payment is required while the multi-function guide terminal 200 is in use, the multi-function guide terminal will be connected to the bank or service provider by the relay station, and the ticket issuing company 240 is connected to the multi-function guide terminal 200. When ticket issuance is requested, it may be connected to the multifunctional guidance terminal 200 through the relay station 230.

The bus stop building system having the configuration as described above is connected to each other through internal and external networks, and the network may be one of the Internet, a LAN, a WAN, a PSTN, a PSDN, a cable communication network, and a wireless communication network.

Hereinafter, the configuration and function of the relay station of the system according to the present invention will be described in detail with reference to FIG. 3.

As illustrated in FIG. 3, the relay station includes a terminal management server 300, a ticket / coupon management server 310, a member management server 320, and a communication server 330.

The terminal management server 300 checks the operation of the multi-function guide terminal installed at the bus stop, and transmits advertisement data and bus arrival guide data to the multi-function guide terminal. A detailed process of controlling the display device of the multi-function guidance terminal by the terminal management server will be described later.

The member management server 320 is provided with a member database storing information about the member, if the customer inserts a credit card or enters a member unique number using the multi-function guide terminal 200, membership authentication or presence of a bad user Check the back and allow the customer to use the multi-function information terminal.

The ticket / coupon management server 310 stores and stores the original of the ticket or coupon issued by the ticket / coupon issuing company 240. In addition, when a request for a coupon or a ticket is issued through the multi-function guide terminal 200 from the customer, the ticket / coupon management server issues a ticket or a coupon through the corresponding procedure, which is the corresponding of the multi-function guide terminal 200. It is output through the output device. The detailed process of ticket release is mentioned later.

The communication server 330 connects to a system of an external business partner, such as a service provider, a bank, a ticket issuing company, or the like, when a request from a customer is received through a multi-function information terminal, or access or connect from an external network. By blocking the attempted system, the security function is performed.

Hereinafter, with reference to the accompanying drawings, the operation of each component in the bus stop building system according to the present invention having the above-described configuration will be described in detail.

First, a process of controlling the display devices of the multifunctional guidance terminal by the management server of the relay station will be described with reference to FIG. 4.

The management server of the relay station according to the present invention pre-registers and stores documents to be displayed on the first display device of the multi-function guidance terminal in a predetermined storage device in the management server, and then sets a display policy for determining the order of displaying the stored documents. Next, the display policy set according to the request from the multi-function guide terminal is transmitted to the multi-function guide terminal.

On the other hand, the dedicated browser of the multi-function guide terminal has a built-in scheduler, the scheduler implements a display policy transmitted from the management server. As a result, the first display device of the multi-function guide terminal displays the corresponding documents in the order set in the display policy through the dedicated browser.

Next, a process of issuing an electronic ticket or coupon will be described with reference to FIG. 5.

Here, the ticket refers to all authentication documents that can be issued in the form of paper and electronic tickets that can be recognized by terminals such as computers, PDAs, and mobile phones. For example, authentication documents, such as a theater ticket, a performance ticket, an electronic lottery ticket, a highway bus ticket, a ticket, a railroad ticket, and a civil petition document, and an electronic mail, data, and a transaction document for the mobile phone of a mobile carrier are included here.

As shown in FIG. 5, the customer inserts a credit card into the card recognition device of the multi-function information terminal, selects the necessary ticket, and requests a ticket issuance (step 501). In response to a ticket issuance request from a customer, the multi-function guidance terminal requests authentication for the customer to the relay station (step 502). In response to the authentication request, the relay station authenticates when it is determined that the user is a legitimate user (step 303), requests approval for the electronic ticket output through the ticket issuing company (step 504), and pays the ticket price (step 505). . The ticket generating company confirms the payment of the ticket price and immediately approves the ticket output (step 506).

After receiving the ticket output approval from the ticket issuing company, the relay station stores the original ticket output in a predetermined original storage device (step 507) and instructs the ticket output to the multi-function guidance terminal (step 508). At this time, the original storage device is preferably a database, which is provided in the ticket / coupon management server of the relay station. In addition, the electronic ticket stored in the original storage device stores an authentication number, an issuer, an issue date, an expiration date, a ticket image, and the like. According to the instruction from the relay station, the multi-function guidance terminal outputs the ticket through the output device (step 509).

At this time, the output ticket is preferably provided with an authentication number.

When the customer who has issued the ticket through the above-described process presents the ticket to the corresponding destination to use the ticket (step 510), the destination recognizes the authentication number of the ticket and transfers the ticket to the original storage device. A request is made to confirm whether it is the original (step 511). In this case, as a method of recognizing the authentication number of the ticket, authentication is performed by using a barcode input device or directly inputting the authentication number through an inquiry terminal. If it is confirmed that the ticket is original (step 512), the corresponding destination accepts the ticket and notifies the original storage device that the ticket has been received (step 507). Upon receipt of the ticket from the point of use, the ticket stored in the original storage device is converted to a copy, moved to the copy storage device, and stored (step 314).

At this time, the original storage device and the copy storage device are databases, preferably installed in a predetermined area in the relay station.

On the other hand, paper-based authentication documents are collected and stored or discarded directly at the place of use, and electronic documents such as e-mail, data, and transaction documents for mobile phones of mobile carriers cannot be reused due to deletion of the original electronic ticket at the relay station.

Hereinafter, referring to FIG. 6, the electronic money charging method using the bus stop building system according to the present invention will be described in detail. The present invention provides a method for charging electronic money for credit card combined electronic money.

As shown in FIG. 6, a customer who wants to charge an electronic money first inserts a card into the multi-function information terminal, sets a charge rate, and requests the card to be charged (step 601). In response to the card charging request from the customer, the multi-function guidance terminal requests user authentication to the relay station (step 602). When the user authentication is confirmed, the relay station requests the credit card company or the bank to approve the charge amount requested by the customer and pay the charge amount (step 604). The card company or the bank approves the use of the card according to an internal regulation or system (step 605), and according to the approval, the relay station instructs the charging of the electronic money to the multifunctional guidance terminal (step 608). According to the charging instruction for the electronic money from the relay station, the multi-function guidance terminal charges the electronic money of the customer (step 608).

7 is a flowchart illustrating an example of the electronic money charging process of FIG. 6 described above.

Referring to FIG. 7, first, a customer who wants to charge an electronic money using a credit card or a cash card requests a charging of a predetermined amount using a multi-function information terminal (step 700). If the customer requests to recharge the electronic money, a credit card or cash card is recognized (step 710). If a credit card has been entered (step 720), the credit card number is sent to the credit card company (step 740) to determine whether it is a bad user (step 742) and the limit amount (step 744). Next, a charge amount is entered (step 746), and the use of the card is approved (step 748) to charge the credit card combined electronic money (step 750).

On the other hand, if a cash card is input in step 720, the cash card number is transmitted (step 730). Next, enter a password (step 732) and check the account balance (step 734). Next, a charge amount is input (step 736), withdrawal is approved (step 738), and the cash card combined electronic money is charged (step 750).

Hereinafter, a method of using the management center 210 as a customer service center in the bus stop building system according to the present invention will be described in detail with reference to FIG. 8.

By using the management center as a customer service center, it is possible to provide the convenience of customers of the credit card company or electronic money company, which is a service provider, and also to attract new members and connect with the service provider.

8 is a flowchart sequentially illustrating a procedure of customer consultation using a management center as a customer service center in the bus stop building system according to the present invention.

Referring to Figure 8, first, the customer through the telephone call with the counselor, homepage bulletin board inquiry, e-mail query, etc. Inquire (step 801). The service provider receiving the inquiry from the customer answers the customer's inconvenience, and the answering method uses the same means as the querying method (step 802).

However, if a sufficient answer is not provided to the customer via step 802, the customer makes a consultation request (step 803). After receiving the request for consultation, the service provider confirms the consultation schedule with the specific customer service center, and then reserves the consultation date and consultation time to approve the address consultation (step 804). At this time, the customer service center will be designated as installed at the bus stop of the location convenient for the customer to visit. The customer, who has been approved for consultation, will visit the designated customer service center and consult on the date and time (step 806).

On the other hand, the service provider transmits the information on the reservation date and the reservation time with the customer to the customer service center (step 805). The customer service center conducts a consultation with the customer at the reservation time, prepares a report on the result of the customer consultation, and transmits the report to the service provider (step 807). The customer consultation result report thus prepared is transmitted to the head office of the service provider and stored and managed as customer consultation data.

9 is a flowchart sequentially illustrating a method of attracting new customers by using the management center as a customer service center in the bus stop building system according to the present invention.

Referring to Fig. 9, a customer using a bus stop first visits a customer service center installed in a bus stop, and fills out and submits a subscription application provided in the customer service center (step 901). The customer service center receiving the application from the customer accesses the computer system of the service provider's headquarters using a communication system to check the applicant's card issuing condition (step 902), and performs the first document necessary for issuing the card. . At this time, if there is a missing document or something that the customer must be aware of, the consultation is performed again according to the condition check (step 903). Next, if the customer has been fully aware of this and the documentation is complete, the customer service center accepts the application (step 904) and sends it to the head office (step 905). At this time, the application and attached materials are first read using an image scanner, which is an image input device, and then the image data is transmitted to the customer examination team or a department in charge of related functions, and the original materials are collected and delivered to the next day.

A service provider, such as the credit card company that received the application and attached documents, informs the customer of the card issuing result after self-examination (step 906), issues a card and sends it to the customer. At this time, when the customer wants to receive the card at the customer service center, a card is issued and delivered to the customer service center. The customer then visits the customer service center, undergoes an identification procedure and then receives a card (step 907).

As described above, in the detailed description of the present invention, specific embodiments have been described, but various modifications can be made without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by those equivalent to the claims.

According to the present invention, it is possible to provide convenience to users by installing a multifunctional guide terminal having a ticket issuing function and an electronic money charging function as well as a bus arrival guide at a bus stop. In addition, system operators can reduce the cost of maintenance by utilizing the bus stop building system in various ways.

In addition, according to the present invention, it is possible to further diversify the function of the bus stop, and through the improvement of the function of the bus stop, a new concept of customer service centers of service providers such as credit card companies or electronic money companies can be built at a minimum cost. It becomes possible. In addition, by building a new customer service center, it is possible to simply solve problems that have emerged in the street business, such as recruiting illegal members, issuing credit cards to minors or minors.

Therefore, the present invention can safely and efficiently attract new customers and provide customer service. That is, the credit card company's customer service center and member recruitment method using the bus stop according to the present invention can provide the safest and most efficient customer service center and member recruitment means.

Claims (16)

A multifunctional guidance terminal comprising a central processing unit for controlling and managing an overall operation, at least one display device, and a communication device capable of communicating with an external network, It further comprises a dedicated browser executed by the control of the central processing unit, The first display device may sequentially display documents in an external server through the dedicated browser in a predetermined order. The second display device may be input from a user and operate according to the user's input. The multifunctional guide terminal of claim 1, wherein the multifunctional guide terminal further comprises a card recognition device capable of recognizing a credit card. The multifunctional guide terminal of claim 1, further comprising an output device capable of outputting a coupon or the like under the control of the central processing unit. The multifunctional guidance terminal of claim 1, further comprising an encoder for converting a digital signal into an analog signal when the display device is an analog display device. A multifunction guidance terminal capable of selecting a desired function while displaying predetermined information to a user, comprising: a multifunction guidance terminal having a central processing unit, at least one display device, and a communication device capable of communicating with an external network; And Documents to be displayed on the display device of the multi-function guide terminal is stored, and provided with a management server for controlling the documents to be displayed on the multi-function guide terminal in a predetermined order, The first display device of the display device is characterized in that for sequentially displaying the documents stored in the management server in a predetermined order, The second display device is configured to be input by a user, so that a desired function can be selected. The system of claim 5, wherein the bus stop building system further comprises a ticket / coupon management server for releasing a ticket or a coupon in response to a request from the multifunctional guidance terminal. The multi-function information terminal further comprises an output device for outputting the ticket or coupon according to the instruction of the ticket / coupon management server. The bus stop construction system according to claim 6, wherein the ticket / coupon management server comprises an original storage device for storing an original coupon or a ticket that is released and a copy storage device for storing the recovered coupon or ticket. 6. The bus stop building system according to claim 5, further comprising a member management server having a member database and managing or authenticating information about the member, wherein the multi-function guide terminal further comprises a card recognition device for recognizing a card to be inserted. In addition, the member management server is a bus stop building system, characterized in that for verifying authentication using the information on the user recognized by the card recognition device. In the ticket issuing method in a system comprising a multi-function guidance terminal having a display device and an output device capable of user input, a ticket / coupon management server, and a ticket issuing destination, Requesting to purchase an electronic ticket through a display device of the multi-function guide terminal; Requesting, by the ticket / coupon management server, an electronic ticket output approval according to a ticket purchase request from the multi-function information terminal; If the ticket issuer approves according to the electronic ticket output approval request, the ticket / coupon management server storing the original electronic ticket in a predetermined storage device, and then instructing electronic ticket issuance; And The multi-function guidance terminal outputs the ticket to the output device according to the electronic ticket issuance instructions Ticket issuing method characterized in that it comprises a. 10. The method of claim 9, wherein the issued electronic ticket has an authentication number. In the customer service center system using the bus stop, A bus waiting platform disposed in the bus stop, Customer service center which is arranged within predetermined distance from the bus waiting platform, and can talk with customer, A communication network for communicating with the customer service center and the outside; and Bus arrival guidance system informing the arrival time of the bus using the communication network Customer service center system comprising the. A method of providing customer service comprising a customer, a service provider, and at least one customer service center, The customer contacting the service provider to request a consultation; In accordance with the request for consultation, the service provider reserves a consultation date and time and a customer service center to consult with; The service provider transmitting data related to reservation setting to a corresponding customer service center; And The customer visits the customer service center and consults at the scheduled consultation time Customer service providing method comprising the. The method of claim 12, wherein the customer service providing method further comprises the step of the customer service center transmitting a customer consultation result report to the service provider after a visit consultation with the customer. . A method of attracting new customers by having customers, service providers, and at least one customer service center, A customer filling out a subscription form and submitting it to the customer service center; Confirming card issuance conditions from the service provider according to the contents of the subscription application; According to the checking step, if the card issuance conditions are raised, the customer service center receives an application and transmits the application to the service provider; And The service provider transmitting a card issuance result to the customer Attracting new customers, characterized in that it comprises a. 15. The method of claim 14, wherein the method of attracting new customers comprises, at the request of the customer, the service provider sending an issued card to the customer service center, and the customer visiting the customer service center to make a card. Receiving a new customer further comprising the step of receiving. In a multi-function information terminal, a service provider, a member management server having a display device and a card recognition device capable of user input, the electronic money charging method of the credit card combined credit card, Inserting a credit card for electronic money into a multi-function information terminal, setting a charging rate and requesting charging of the card; In response to the card charging request, requesting a user authentication to a member management server; If the user authentication is confirmed, the member management server requesting approval and payment of a charge for the charge amount requested by the customer to a corresponding service provider; In response to the approval from the service provider, the member management server instructing the charging of electronic money to the multi-function guidance terminal; And In accordance with the charging instruction, the multi-function information terminal charging the customer's electronic money Electronic money charging method of the electronic money combined credit card comprising a.