KR20080111433A - System for recommending payment means - Google Patents

Abstract

A system for recommending a payment means is provided to enable a client to determine the efficiency and adequacy of a card which he/she possesses by providing the client with information about different cards which offer a service and/or benefit similar to his/her card. A system for recommending a payment means includes the followings: a means which linking-processes information about a plurality of payment means and additional information(information about the use of a payment means, service information and customer benefit information) corresponding to the payment means information in a storage medium; a means which compares the additional information of the payment means provided by the client with additional information previously stored in the storage medium to extract or generate information about the second payment means having additional information corresponding to the additional information provided by the client; and a means which provides the information about the second payment means to the client.

Description

Payment Method Recommendation System {System for Recommending Payment Means}

1 is a block diagram showing a preferred embodiment of the present invention.

2 is a view showing another preferred embodiment of the present invention.

3 is a diagram showing another preferred embodiment of the present invention.

4 is a simple data structure diagram of an information storage medium according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: storage medium

110: client terminal

The present invention relates to the payment means information for a plurality of payment means and the additional information (payment means usage information, service information, and additional information including one or more customer benefits information) corresponding to each of the payment means information is stored in association A second payment having additional information corresponding to the additional information of the payment means provided by the client by comparing the means for storing on the medium with the additional information of the payment means provided by the client and the additional information previously stored in the storage medium; And means for extracting or generating means information and means for providing said extracted payment means information to said client.

The widespread deployment of credit card-based infrastructure has led to an explosive growth in the population of card users, especially with the ease of using credit cards online. In line with this, the card companies are continuously discovering and launching various card products in order to provide better service and customer benefits.

In addition, the competition for new products among the card operators is also very fierce, there is a case that similar products also exist between the card operators, card users are increasingly confused with the selection and use of card products.

In addition, card users generally have 4 to 5 cards, but they rarely use each card more efficiently, and they tend to reduce their holding cards when the economic situation worsens.

Therefore, in order to reduce the number of cards held or to obtain a new card, card users have no choice but to prefer a card that provides more appropriate service and customer benefits than the card used by the existing user.

In addition, card companies need a new strategy for attracting card users who have other cards in attracting card customers that are almost saturated due to intense customer attraction marketing.

Accordingly, an object of the present invention to solve the above problems, the payment means information for a plurality of payment means and additional information corresponding to each of the payment means information (payment means usage information, service information, customer benefit information, respectively) Means for linking and storing the additional information including one or more information on the storage medium, and comparing the additional information of the payment means provided by the client with the additional information previously stored in the storage medium, Providing a payment means recommendation system comprising means for extracting or generating second payment means information having additional information corresponding to the additional information, and means for providing the extracted or generated second payment means information to the client. have.

In the payment method recommendation system according to the present invention, the payment means information for a plurality of payment means and additional information (payment means usage information, service information, and customer benefit information) corresponding to each of the payment means information Information and the additional information corresponding to additional information of the payment means provided by the client by comparing the additional information of the payment means provided by the client with the additional information stored in the storage medium. And means for extracting or generating second payment means information having information, and means for providing the extracted or generated second payment means information to the client.

In addition, the client compares the incentive provided by using the payment means provided by the client for a predetermined period or using a predetermined amount of money with the incentive provided by using the second payment means for a predetermined period or using a predetermined amount of money. It further comprises a means for providing.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram showing a preferred embodiment of the present invention.

Referring to FIG. 1, a payment method recommendation system includes a storage medium storing payment method information for at least one payment method, payment method usage information and / or service information, and / or customer benefit information corresponding to the payment method information ( 105 and the client terminal 110 which is connected to a predetermined server 100 and provides the currently held payment means information to the server 100 and the payment means information provided from the client terminal 110. The processed payment means use information and / or service information and / or customer benefit information are extracted from the storage medium 105 and provided to correspond to the extracted payment means use information and / or service information and / or customer benefit information. Extracting or generating information on the second payment means providing the use of payment means and / or services and / or customer benefits; The group comprises a server 100 for providing to the second client terminal 110 to the payment means information.

The server 100 and / or storage medium 105 shown in the figure is characterized in that it comprises a card company server and / or financial company server and / or VAN company server and / or mobile communication company server.

The client terminal 110 shown in this figure is characterized in that it comprises a wired terminal and / or a wireless terminal.

Preferably, the server 100 is based on the payment means usage information and / or service information and / or customer benefit information extracted from the storage medium 105, the extracted payment means usage information and / or service information and / Or by comparing payment information stored in the storage medium 105 with customer benefit information and payment means usage information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium 105. A second determining the similarity of the payment means possessed by the client, and providing the use of payment means and / or services and / or customer benefits provided corresponding to the payment means held by the client according to the similarity determination result; Extract or generate payment method information of.

In addition, the server 100 executes a predetermined simulation to use the payment means for a certain period of time or to generate incentive information provided when using a certain amount of money, and also uses the second payment means for a certain period of time or schedules. A predetermined simulation is executed to generate incentive information provided when using the money amount.

According to the present invention, the server 100 executes a predetermined simulation to use the client-owned payment means and the second payment means for a predetermined period or to generate incentive information provided when using a predetermined amount of money, and the simulation execution result The incentive information according to the use of the payment means and the incentive information according to the use of the second payment means are compared with each other.

In addition, the server 100 may further provide payment method usage information and / or service information and / or customer benefit information corresponding to the extracted or generated second payment means information to the client terminal 110.

According to a preferred embodiment of the payment method recommendation process shown in FIG. 1, payment method information for at least one or more payment means in the server 100, payment method usage information and / or service information corresponding to the payment method, and / or Alternatively, the customer benefit information is cooperatively stored in the predetermined storage medium 105 (1).

When the client connects to the server 100 and provides the payment method information used by the client to the server 100 (2), the server 100 performs a cooperative process with the payment method information provided by the client. Extracted payment means use information and / or service information and / or customer benefit information from the storage medium 105 (3), and based on the extracted payment means use information and / or service information and / or customer benefit information The payment means use information and / or service information and / or customer benefit information and payment means use information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium 105. By comparing (4-1), the similarity between the payment means stored in the storage medium 105 and the payment means held by the client is determined (4-2).

For example, when the client provides the payment method information of the client to the server 100, when the payment method is a card, the client may provide a card product name and / or card issuer information of the card.

For example, when the client holds the "S card goods (for example, in the case of golf-related services)" of the "S" card company, in accordance with the present invention, the client sends the "S card goods" information to the server 100 If provided, the server 100 is linked with the storage medium 105, the service information (golf related services) and / or benefit information (eg, "S Club Booking 10" of the "S card goods" provided by the client % Discount ”, etc.), and based on the“ golf-related service ”information and / or benefit information such as“ 10% discount on S-club booking ”, the at least one card stored in the storage medium 105 Information such as "golf related services" and / or "booking discounts" may be extracted and compared.

According to a result of the similarity determination, the server 100 extracts or generates second payment means information for using a payment means and / or a service and / or a customer benefit provided corresponding to the payment means held by the client. (5) and provide the extracted second payment means information to the client (6).

For example, the server 100 extracts the "L card goods" of the "L" card company corresponding to the client's holding card ("S card goods") through the above-described comparison process, the extracted "L card" Product ”to the client.

Preferably, the second payment means information and the payment means information provided by the client may be issued by different payment means issuing institutions.

For example, when the client provides the S company's card to the server 100, the card information of the L company which gives similar use or service or customer benefit similar to the S company card is based on the S company card information held by the client. Can be provided to clients. At this time, the server 100 may be an L company server (100).

For example, in the step (4), determining the similarity between the payment means stored in the storage medium 105 and the payment means held by the client, the payment means stored in the storage medium 105 and the The use gender information data of the payment means held by the client, the payment means stored in the storage medium 105, the main use merchant information data of the payment means held by the client, and the data stored in the storage medium 105. Discount benefit information data of payment means and payment means held by the client, payment means stored in the storage medium 105 and incentive provision information data of payment means held by the client, and the storage medium ( At least one payment means stored in the 105 and the event providing information data of the payment means held by the client. Comparison can determine the degree of similarity.

Preferably, the step (5) is a server for providing a payment means used and / or services and / or customer benefits provided corresponding to the payment means held by the client in accordance with the similarity determination result in the server (100) 2 means of payment information may be extracted from the storage medium 105.

Preferably, the process (6) may provide the client with the second payment means information and corresponding payment means usage information and / or service information and / or customer benefit information in the server 100.

2 is a view showing another preferred embodiment of the present invention.

Figure 2 is in accordance with the present invention in recommending at least one or more payment means corresponding to the client's own payment means, by selecting a predetermined input data, through a process such as a predetermined simulation based on the selected input data, The second payment means corresponding to the payment means provided by the client is extracted and provided to the client.

Preferably, the input data may be usage information and / or service information and / or customer benefit information of the payment means held by the client.

Preferably, the simulation is based on the use information and / or service information and / or customer benefit information of the payment means held by the client as the input data, when using the payment means for a certain period and / or a predetermined amount, It may output predetermined incentive information provided to the client.

The server 100 may extract information from the second payment means based on the incentive information output from the output data and provide the information to the client.

According to another preferred embodiment, the simulation may be performed using the second payment means extracted by the server using input information and / or service information and / or customer benefit information of the second payment means as input data. When the payment method of 2 is used for a predetermined period and / or a predetermined amount, the incentive information provided to the client can be obtained.

Referring to FIG. 2, another preferred embodiment for recommending a payment method includes payment means information for at least one or more payment means, payment means usage information and / or service information, and / or corresponding to the payment means in the server 100. (1) storing and storing the customer benefit information in a predetermined storage medium 105, and providing the payment method information used by the client to the server 100 by the client accessing the server 100. And (2) extracting, from the storage medium 105, payment means usage information and / or service information and / or customer benefit information associated with the payment means information provided by the client in the server 100. And (3) using the extracted payment means usage information and / or service information and / or customer benefit information as input data in the server 100, the client. Performing a predetermined simulation to use the payment means for a predetermined period or to generate incentive information provided to the client when using a predetermined amount of money; and (4) generated by the server 100 as the simulation result output data. Based on predetermined incentive information, the client extracts or generates second payment means information that provides an incentive provided corresponding to the predetermined incentive generated as the simulation result output data when the client uses a predetermined period or a predetermined amount of payment means. And (6) providing the client with the second payment means information extracted or generated by the server 100.

More specifically, the step (5) is based on the payment means usage information and / or service information and / or customer benefit information processed in conjunction with the payment means information of the client in the server 100, the payment means of the client The storage medium by comparing usage information and / or service information and / or customer benefit information with payment means usage information and / or service information and / or customer benefit information corresponding to a payment method previously stored in the storage medium 105. Determining similarity between the payment means stored in 105 and the payment means held by the client (5-1), and the payment means held by the client according to the similarity determination result in the server 100; Extracting or generating second payment means information providing the use of payment means and / or services and / or customer benefits provided corresponding to (5-2); The server 100 uses the payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information as input data, so that the client uses the second payment means for a predetermined period of time. Executing a predetermined simulation to generate incentive information provided to the client when using or using a predetermined amount of money (5-3); and a simulation result executed by the server 100 for the second payment means Comparing predetermined incentive information generated as output data with predetermined incentive information generated as output data as a result of a simulation executed on the payment means provided by the client (5-4) and the server 100 According to the comparison result, to generate the simulation result output data executed for the payment means provided by the client It may be made, including the step of extracting or generating a payment method in the second information that is provided to correspond to a predetermined incentive (5-5_.

Preferably, the step (6) further comprises providing to the client payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information in the server 100. It can be done by.

According to the present invention, the payment means includes at least one or more credit card payment means, debit card payment means, prepaid card payment means, check card payment means, and includes an IC chip form mounted on or detached from the wireless terminal.

In addition, according to the present invention, the second payment means information is characterized by consisting of payment means information issued by a specific card company and / or financial company.

In addition, the second payment means information and the payment means information provided by the client may be issued by different payment means issuing institutions.

3 is a view showing another preferred embodiment of the present invention.

Referring to FIG. 3, another preferred embodiment of the payment method recommendation process includes the following steps.

Preferably, the payment method recommendation process illustrated in this drawing may include payment means information for at least one or more payment means, payment means usage information and / or service information, and / or customer benefit information corresponding to the payment means in the server 100. (1) providing a payment means information used by the client to the server 100 by connecting the server 100 to a predetermined storage medium 105 (2) extracting, from the storage medium 105, payment means usage information and / or service information and / or customer benefit information, which are linked to the payment means information provided by the client, in the server 100; (3) on the basis of the payment means usage information and / or service information and / or customer benefit information extracted by the server 100, the extracted payment means usage information and / or service Information and / or customer benefit information and payment method usage information and / or service information and / or customer benefit information corresponding to the payment method previously stored in the storage medium 105 are compared (4-1), and the storage medium ( Determining the similarity between the payment means stored in step 105 and the payment means held by the client (4-2), and the payment means held by the client according to the result of the similarity determination by the server 100; Extracting or generating second payment means information for using a payment means and / or services and / or customer benefits provided correspondingly; and (5) the payment provided by the client in the server 100; By using the payment means use information and / or service information and / or customer benefits information corresponding to the means information as input data, the client uses the payment means for a certain period of time or Or (6) executing a predetermined simulation to generate incentive information provided to the client when using a predetermined amount of money, and using the payment means corresponding to the second payment means information extracted or generated by the server 100. By using information and / or service information and / or customer benefit information as input data, the client may use the second payment means for a predetermined period of time or generate incentive information provided to the client when using a certain amount of money. (7-1), a predetermined incentive information and second payment means information generated as simulation result output data corresponding to the payment means information provided by the client in the server 100; Compares predetermined incentive information generated by the simulation result output data corresponding to In step 7-2, incentives corresponding to predetermined incentives generated as simulation result output data executed on the payment means provided by the client according to the comparison result in the server 100 are provided. Determining (8) the second payment means information provided to the client and providing the client with the determined second payment means information at the server (9).

Preferably, the step (9) further includes providing the client with payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information in the server (100). do.

 The payment means may include at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means, the payment means may include an IC chip form that is mounted on or detached from the wireless terminal. Can be.

4 is a simple data structure diagram of the information storage medium 105 according to the preferred embodiment of the present invention.

Referring to Figure 4, the information storage medium 105 according to the present invention, the payment means information for at least one or more payment means, payment means usage information and / or service information and / or customer benefit information corresponding to the payment means information It is characterized in that the storage.

According to the present invention, the storage medium 105 may be located in a card company server, a VAN company server, a financial company server, and / or a mobile communication company server.

Preferably, the at least one payment means stored in the storage medium 105 includes at least one credit card payment method, debit card payment means, prepaid card payment means, check card payment means, the payment means information is recorded The payment means information data file may be stored in association with the corresponding payment means additional information data file.

Preferably, the payment means additional information data file is the payment means stored in the storage medium 105, the gender information data of the payment means, the main merchant (or service) information data of the payment means, and the payment means Discount benefit information data, the incentive providing information data of the corresponding payment means, the event providing information data of the corresponding payment means, and the like.

According to the present invention, the client has an advantage in that it is possible to determine the efficiency and adequacy of the card held by the client by checking other card information providing similar services and / or benefits with respect to the card held by the client.

In addition, there is an advantage that can be issued to the card more useful to me by confirming the other card information that provides a better similar service and / or benefits than the card owned by me.

In addition, the card company has the advantage of attracting card customers by presenting card information that provides more useful services and / or benefits based on the card (including third-party cards) held by the customer.

Claims (2)

Payment method information for a plurality of payment means and additional information (payment method usage information, service information, and additional information including at least one customer benefit information) corresponding to the payment method information, respectively, are processed in association with the storage medium. Means for doing so; Comparing the additional information of the payment means provided by the client with the additional information previously stored in the storage medium, and extracting or generating second payment means information having additional information corresponding to the additional information of the payment means provided by the client; Way; And And means for providing the extracted or generated second payment means information to the client. The method of claim 1, Providing the client with a result of comparing the incentive provided when the client uses the payment method for a predetermined period or using a predetermined amount of money with the incentive provided when the second payment method is used for a certain period of time or using a certain amount of money Payment means recommendation system characterized in that it further comprises a means.

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