KR20090103665A - System and method for providing card services - Google Patents

Abstract

PURPOSE: A system and a method for providing card services are provided to supply location information about member stores where a client is located or with a service that the client requests, thereby increasing convenience and service satisfaction for the client and reducing marketing costs for service providers. CONSTITUTION: A method for providing card services comprises the following steps. A service request text message is received from a client terminal(100). Service information corresponding to the received service text message is provided to the client terminal. The service text message includes at least one character which can distinguish a specific service and a number associated with the specific service.

Description

System and method for providing card services

The present invention relates to a card service providing method, and in particular, provides a service requested by a customer, and provides the affiliated store information corresponding to the service request region and the type of business requested by the customer or the requested merchant information for the region where the customer is located. It relates to a card service providing method and system that can provide an increase in sales according to the publicity effect of.

At present, with the development of industrialization and credit socialization, the indirect payment method of paying by using a credit card or the like in the direct payment method of paying cash when purchasing goods or using services is rapidly expanding.

The indirect payment method is used to increase the number of people using the card because it can solve the inconvenience and the worry of theft caused by cash carrying, and can receive tax deductions.

In addition, card companies may provide a variety of points-related services, such as merchant discount service using credit points to increase the card users' desire to use the card.

Therefore, card users often use their cards as payments for goods purchases in general stores or department stores, and often use them in everyday life, such as using oil at gas stations or after eating at restaurants. Earn card use points provided by.

Subsequently, the card user may purchase products at discounted prices or use various services at affiliated stores affiliated with the card company by using the accumulated points.

However, most card users do not properly recognize the credit points related service information such as information on using points, information about merchants who can use the points, and discounts of merchants, so they do not receive various services. I can't do it.

The reason is that the card company delivers the service information related to earning points to all card users in a booklet or a communication short message, but most of the card users do not remember the service information unless the card users use the service related to earning points right away. Because you can't.

Therefore, when a card user needs to receive a merchant discount benefit service, the user must find a variety of earning point related service information directly through online / offline, and there is a problem in that the purchasing power is reduced due to time and space.

In addition, the card company has to deliver a variety of service information, such as merchant discount service services to all card users through a booklet or a communication short message in a batch, there was a lot of difficulties in the economic aspect.

In addition, merchants have a problem in that it is difficult to provide various discount services because sales are reduced due to a decrease in purchasing power of card users.

Therefore, future card users, card companies, merchants will need to develop a service method and system that can be profitable to all.

An object of the present invention is to solve these problems, and by providing the service information requested by the customer, and providing the merchant information on the service request region or the region where the customer is located, it is possible to increase the convenience and service satisfaction of the customer In addition, the present invention provides a method and system for providing a card service that can increase sales according to the promotion effect of a merchant and reduce marketing costs of a service provider.

The card service providing method according to the present invention may include receiving a service text message from a customer terminal and providing service information corresponding to the received service text message to the customer terminal.

In addition, the card service providing system according to the present invention includes a receiving unit for receiving a service text message from a customer terminal, an analysis unit for analyzing the received service text message and converting the analyzed text into a service code, point information, The database stores various service information including merchant information and payment information for each service code, and the database includes service information corresponding to the analyzed service text message or the service information corresponding to the analyzed service text message or the merchant information on a region where the customer terminal is located. A search unit for searching from, a message processing unit for processing the searched service information or merchant information into a message form, a transmitter for transmitting a message including the processed service information or merchant information, and the analysis unit, the search unit, Message processing and sending It may be configured to include a control unit for controlling the wealth.

Other objects, features and advantages of the invention will become apparent from the following detailed description of embodiments taken in conjunction with the accompanying drawings.

The card service providing method and system according to the present invention has the following effects.

The present invention analyzes the service text message sent by the customer to provide the service requested by the customer, and provides the merchant request information for the service request region or the region where the customer is requested. Not only can you get the information quickly, but you can also get information (locations, discounts, etc.) about affiliates in the surrounding area, which can improve convenience and service satisfaction.

Second, since the merchant information is delivered to the customers who desperately need the merchant information, the promotion of the merchant is not only very effective but also can provide an increase in sales according to the promotion effect of the merchant.

Third, since the service provider transmits the service information requested by the customer and the information related to the merchant promotion, the marketing cost is greatly reduced compared to the existing unconditional transmission of the information related to the promotion of a large number of customers. It can attract them, which will increase sales.

1 is a diagram showing a service providing network including a card service providing system according to the present invention;

2 is a flowchart illustrating a card service providing method according to the present invention.

3A, 3B and 3C illustrate an embodiment of a card service providing method according to the present invention.

4 and 5 illustrate a UI output to a customer when providing service information according to an embodiment of the present invention.

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

100: customer terminal 300: communication company system

500: merchant terminal 700: service providing system

10: service provider 12: receiver

14: Analysis unit 16: DB

18: search unit 20: message processing unit

22: transmitter 24: controller

26: position tracking unit 28: update unit

51: register 53: generator

55: classification unit 57: notification unit

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

In general, the MO (Mobile Originated) service method is provided by a network operator such as a mobile communication service provider and other wired / wireless communication service providers by using a communication terminal such as a mobile phone, a smart phone, or a PDA phone used by a mobile subscriber in a mobile communication network. It means a service that can transmit a short message and a multimedia message to the MO number, which is a data reception number.

The present invention is a system and method that can provide a variety of marketing activities in addition to providing a variety of services requested by the customer using the MO service method.

1 is a view illustrating a service providing network including a card service providing system according to the present invention. As shown in FIG. 1, the service providing network includes a customer terminal 100, a communication company system 300, and an affiliated store terminal 500. ), A service providing system 700.

The customer terminal 100 is a PDC (Personal Digital Cellular) phone, PCS (Personal Communication Service) phone, PHS (Personal Handyphone System) phone, CDMA-2000 (1X, 3X) phone, WCDMA (Wideband CDMA) phone, dual band / Communication features such as Dual Band / Dual Mode phone, Global Standard for Mobile (GSM) phone, Mobile Broadband System (MBS) phone, Digital Multimedia Broadcasting (DMB) phone, Smart phone, mobile phone, etc. Handheld devices, personal digital assistants (PDAs), hand-held PCs, notebook computers, laptop computers, WiBro terminals, MP3 players, MD players, and more, and international roaming services All types of handheld based wireless communication devices, such as an International Mobile Telecommunications 2000 (IMT-2000) terminal providing a mobile communication service, are included.

The telecommunication company system 300 includes a CDMA, GSM, WCDMA system, and the like, and includes a base station controller (BSC), a base station transceiver (BTS), a mobile switching center (MSC), and the like.

Here, the BSC controls the BTS and handles the base station call processing, and the BTS is provided with a wireless transmission / reception apparatus to perform communication with the customer terminal 100 under the control of the BSC.

In addition, the MSC interworks with the exchange function and other MSCs to be in charge of connecting to other networks.

The service providing system 700 includes a receiver 12, a database 16, a searcher 18, a message processor 20, a transmitter 22, and a controller 24.

Here, the service providing system 700 may further include a service providing unit 10 which generates and registers a service code corresponding to service information to be provided to a customer and provides service information corresponding to the code.

In addition, the service provider 10 may include a register 51, a generator 53, a classification unit 55, and a notification unit 57.

At this time, the classification unit 55 collects a plurality of service information to be provided to the customer, and classifies the collected service information according to the type.

Subsequently, the generation unit 53 generates a service code corresponding to the classified service information and assigns it to the classified service information.

In addition, the registration unit 51 registers and stores the generated service codes, and when the customer terminal 100 transmits a service text message through a service access number for the service providing request, the message passes through the communication company system 300. Immediately to the service providing system 700.

In addition, the classifying unit 55 classifies all of the collected service information into one group by classifying them into a first group, classifies the group into a plurality of second groups according to the type of service from the first group, and then the plurality of second groups. Classify into a plurality of third groups according to the service area or date from a predetermined second group of groups.

Accordingly, the generation unit 53 allocates a service code to correspond to each service classified by the classification unit 55.

That is, a service access number may be generated for the first group service, a service classification code may be generated for the second group service, and a service area or date code may be generated for the third group service.

Here, the service access number may be a called number of a service provider who wants to provide a service, and the service classification code may be at least one selected from a point information related service, a merchant information related service, and a payment information related service.

In this case, the affiliated store information related service may be an address, name, phone number, location, marketing event related information, etc. of the affiliated store, and the marketing event related information may be an event period, event contents, various discount coupons, and the like.

The service area code may be at least one selected from a province or city classification code, a district classification code, a city classification code, and the like. The service date code may be a yearly classification code, a monthly classification code, a daily classification code, or the like. At least one selected.

Here, the service access number may consist of a specific number, for example, "013-****-****", or may consist of a four-digit main number with "#".

In addition, the service code may be composed of characters corresponding to the keyword of the service information or a variety of detailed numbers or letters in a row according to the business classification.

As an example, the service access number is a called number of a service provider who wants to provide a service, and allocates "1234", and as a service code, the service classification code allocates point information related service as "1", and associates merchant information. The service may be assigned as "2", the payment information related service is assigned as "3", the service area code may be assigned to Nowon-gu as "139", and the service date code may be assigned to December as "12".

As such, the service code may be generated in various ways according to the type of service.

The notification unit 57 then notifies the customer in various ways so that the customer can recognize the registered service access number.

The notification method may be provided on / offline through a predetermined booklet, mail, or various communication devices.

On the other hand, the receiving unit 12 serves to receive a service text message from the customer terminal 100 through the service access number.

Here, the receiver 12 may be a receiver capable of receiving a message transmitted in a manner such as a wireless application protocol (WAP), a wireless runtime environment for wireless (BREW), a wireless internet platform for interoperability (WIPI), or a wiBRO. It consists of.

In addition, the analysis unit 14 analyzes the received service text message and converts the analyzed text into a service code.

Here, the analysis unit 14 analyzes the service content of the service text message and the presence or absence of service area-related text included in the text, and converts the analyzed text into a corresponding service code.

The database 16 stores customer point information, merchant information, various service information including customer payment information, and customer information for each service code.

Here, the affiliated store information may include an address, name, phone number, location, marketing event related information, etc. of the affiliated store, and the marketing event related information may include an event period, event contents, various discount coupons, and the like.

The database 16 periodically updates various service information stored by the updater 28.

Subsequently, the search unit 18 stores service information corresponding to the service text message and the service code analyzed by the analysis unit 14 and affiliated store information about the service request region or the region where the customer terminal is located from the database using the service code. Search.

If there is no area related information request in the service text message analyzed by the analysis unit 14, the search unit 18 receives affiliated store information related to the area where the customer terminal tracked by the location tracking unit 26 is located. I can search.

Next, the message processing unit 20 serves to process the searched service information or affiliated store information in the form of a message.

In this case, the processed message includes all types of messages transmitted on the mobile, including short messages (SMS) or multimedia messages (MMS).

The transmitter 22 transmits a message including the processed service information or affiliated store information.

Here, the transmitter 22 is a transmitter capable of transmitting a message transmitted in a manner such as WAP (Wireless Application Protocol), BREW (Bibary Runtime Environment for Wireless), WIPI (Wireless Internet Platform for Interoperability) or WiBRO (WiBRO) It consists of.

For example, after a customer writes a text message for informing point merchants and point scores in Nowon-gu, and presses the service access number # 1234, the system of the present invention is applied to a point in 'Nowon-gu' from the customer terminal. Receive service text message 'Merchant information and point score inquiry'. Subsequently, when the service text message is analyzed, the service text message is converted into a service code of '1' corresponding to a point score, '2' corresponding to merchant information, and '139' corresponding to Nowon-gu. Is provided to customers.

Here, when receiving the 'discount merchant information inquiry in the Nowon-gu' message from the customer terminal, the message is converted into the service code of 2 139, when the 'decided payment information inquiry' message is received, which is each of 3 12 Is transcoded.

In addition, if the customer presses the service access number # 1234 without writing a text message, and the system receives a blank message, the message may be regarded as the point inquiry of the customer and automatically converted into the service code '1'. In this case, as described above, after the information search and message processing in the database using the automatically converted service code is delivered to the customer.

The location tracking unit 26 tracks an area where the customer terminal 100 is located according to a control signal of the control unit 24.

Here, the location tracking unit 26 may perform location tracking of the customer terminal 100 based on a Roaming Location Protocol (RLP).

The location roaming protocol is a standard for interworking location servers between providers to provide a roaming service. The location roaming protocol enables the application layer to perform the request and transfer of the location of the user terminal 100 in any network structure or location tracking method. This is a protocol that allows for

The location roaming protocol (RLP) is basically a protocol based on the document type definition elements (DTD elements) and attributes of the MLP, and the roaming-related parts are specialized protocols.

The updater 28 is connected to an external information company and periodically updates various service information and customer information stored in the database 16.

Next, the control unit 24 controls the service providing unit 10, the analysis unit 14, the search unit 18, the message processing unit 20, the position tracking unit 26, and the updating unit 28.

Here, the control unit 24 controls the search unit 18 to search the merchant information for the area where the customer terminal is located when the customer pays the card from the database 16, and the searched merchant information to the customer terminal ( 100 may be automatically sent.

Thus, the service providing method according to the system of the present invention configured as follows.

2 is a flowchart illustrating a card service providing method according to the present invention. As shown in FIG. 2, first, the receiving unit 12 receives a service text message from the customer terminal 100 through a registered service access number. Receive. (S100)

The service text message may include at least one of a number associated with a specific service and a character for identifying the specific service.

Here, the process of generating and registering at least one service code may be further included. That is, the service code generation and registration step first generates a service code corresponding to a plurality of service information that the generation unit 53 of the service provider 10 wants to provide to the customer.

At this time, the generation unit 53 when the first grouping the whole service classified by the classification unit 55 (grouping) into one, generates a service access number for this, and the classification unit 55 is the first grouped service Second grouping to be classified according to the service type from, and generates a service classification code for this, and if the classification unit 55 is further grouped to be classified according to the service area or date from the second grouped service, Generate a service area or date code.

Here, the service access number may be a called number of a service provider who wants to provide a service, and the service classification code, which is a service code, may include at least one of a point information related service, a merchant information related service, and a payment information related service. .

In addition, the service area code, which is a service code, may include at least one of a province or city classification code, an old classification code, and a same classification code. The service date code may include a yearly classification code, a monthly classification code, and a daily classification code. It may also include at least one of the codes.

Next, the registration unit 51 of the service provider 10 stores and registers the generated service code, and then the notification unit 57 notifies the customer so that the customer can recognize the registered service access number.

Subsequently, the analyzer 14 analyzes the received service text message according to the control signal of the controller 24 (S102).

Next, the analysis unit 14 checks whether the service area-related text is included in the service text message, and converts the analyzed service text message into a corresponding service code (S104).

If, as a result of the check, the service area-related text is present, the search unit 18 stores the service information connected to the converted service code or the affiliate store information located in the service area according to the control signal of the control unit 24. Search from (S106)

However, if it is confirmed that there is no service area related text, the location tracking unit 26 tracks the area where the terminal 100 of the customer is located according to the control signal of the control unit 24. (S108)

Then, the search unit 18 searches the database 16 for service information corresponding to the contents of the service text message analyzed according to the control signal of the control unit 24 or affiliate store information in the region where the customer terminal is located. S110)

Subsequently, the message processing unit 20 processes the searched service information or affiliated store information into a message form according to the control signal of the control unit 24. (S112)

In this case, the processed message includes all types of messages transmitted on the mobile, including short messages (SMS) or multimedia messages (MMS).

Next, the transmitter 22 provides the service information corresponding to the received service text message to the customer terminal 100 via the communication company system 300. (S114) In this process, the service request area or the customer requested It can be provided by including merchant information about the region where the customer is located.

Here, the affiliated store information provided to the customer terminal may include at least one of an address, a name, a phone number, a location, and a marketing event related information of the affiliated store, and the marketing event related information may include at least one of an event period, event contents, and various discount coupons. Either may be included.

In addition, the affiliated store information for the region where the customer is located may be automatically transmitted to the customer terminal 100 when the customer performs the card payment under the control of the controller 24.

Meanwhile, the card service according to the present invention provides specific service information to the customer terminal upon receiving a message without text input from the customer terminal.

Here, the specific service information is point related information including the point status of the customer, and may further be provided including the affiliated store and available point information considering the location of the customer.

3A, 3B, and 3C illustrate an embodiment of a card service providing method according to the present invention. FIG. 3A is an embodiment of a service provided when a customer finds a gas station located nearby. An embodiment of a service provided when a discount merchant and a discount coupon of a specific region are requested. 3C shows an embodiment of a service provided when a blank message is received from a customer terminal.

As shown in FIG. 3A, when a customer wants to find a gas station located nearby, a user writes a service text message 'TOP gas station nearby' using his terminal, and presses # 1234, a service access number, to view the message. Upon transmission to the service system of the invention, the service system of the present invention analyzes the received service text message. Here, in response to the message “Near TOP gas station”, the service system of the present invention tracks the location of the customer and converts the service area code into a corresponding service area code, and the service station affiliated store included in the corresponding area using the area code. After the available points are inquired, they are processed into messages and transmitted to the customer terminal.

In addition, referring to Figure 3b, when a customer requests a discount merchant and a discount coupon in a particular region, using the terminal of the user writes a simple service text message 'discount merchants and discount coupons in Nowon-gu,' and access the service The number # 1234 is pressed to send a message to the service system of the present invention. The service system of the present invention analyzes the received service request message and converts the service code 2 corresponding to the affiliated shop and the service area code 139 assigned to Nowon-gu, respectively, and the discounted merchants of the corresponding region in the database using the converted code. After searching for information on a discount coupon or the like, the information is processed into a message form and transmitted to the customer terminal.

And, as shown in Figure 3c, when the customer presses the service access number # 1234 without writing a text message to send the message to the service system of the present invention, the service system of the present invention is the message point inquiry of the customer In this regard, the service code is automatically converted to '1', and the service code is transmitted to the customer after the corresponding information search and message processing in the database.

In addition, even if the customer does not have a service request related to a specific region, the system of the present invention tracks the current location of the customer and transmits the service message by adding information about merchants at the location or the merchant's pedestal-related information. Can be.

4 and 5 are views showing a UI that is output to a customer when providing service information according to an embodiment of the present invention. FIG. 4 is a screen that is output to a terminal of a customer when a user wants to find a gas station located in a specific area. 5 illustrates an example of a screen output when a blank message is transmitted.

As shown in Figure 4, when the customer transmits a message requesting the gas station information located in a specific area, the gas station and the available point information of the customer can be provided.

In addition, as shown in FIG. 5, when the customer transmits a blank message without writing a text message, the customer may receive the point information of the customer. In this case, the service provider may further include affiliate store information regarding a region where the customer is located according to the service setting of the customer.

As described above, the present invention provides merchant service information for the service request region or the region where the customer is requested by providing the card service requested by the customer using a mobile originated (MO) method. Not only can you get the service information you want quickly, you can also get information about the affiliated stores (locations, discount events, etc.) in the surrounding area, thereby improving convenience and service satisfaction.

In addition, since merchant information is delivered to the customers who desperately need the merchant information, the merchant may not only be very effective in promoting the merchant, but also provide increased sales according to the merchant's promotion effect.

In addition, since the service provider transmits the service information requested by the customer and the information related to the merchant promotion, the marketing cost is greatly reduced compared to the existing unconditional transmission of the information related to the promotion to many customers. It can attract them, which will increase sales.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the spirit of the present invention. Therefore, the technical scope of the present invention should not be limited to the contents described in the embodiments, but should be defined by the claims.

Claims (24)

In the card service providing method of a system that provides a service information to a customer connected to a plurality of merchants and customer terminals through a wired / wireless communication network, Receiving a service text message from the customer terminal; And And providing service information corresponding to the received service text message to the customer terminal. The method of claim 1, wherein the service text message, Card service providing method comprising at least one of a number associated with a specific service and a character that can identify the specific service. The method of claim 1, wherein the card service providing method comprises: Card service providing method comprising the step of generating a service code corresponding to the service information to be provided to the customer. The method of claim 3, wherein generating a service code corresponding to service information to be provided to the customer comprises: Collecting a plurality of service information to be provided to the customer; Classifying the collected service information according to a type, and generating a service code corresponding to the classified service information. The method of claim 4, wherein generating a service code corresponding to the classified service information comprises: Primary grouping the entire service information to be classified according to a service type, and generating a service classification code thereto; And grouping the first grouped service information according to a service area or a date to generate a service area or date code. The method of claim 5, wherein the service classification code, A card service providing method comprising at least one of a point information related service, a merchant information related service, and a payment information related service. The method of claim 5, wherein the service area code, It includes at least one of the province or city classification code, the old unit classification code, the same unit classification code, wherein the service date code includes at least one of the year classification code, monthly classification code, daily classification code. Card service providing method.  The method of claim 1, wherein receiving a service text message from the customer terminal comprises: Receiving a service text message from the customer terminal via a service access number; Analyzing the received service text message; Checking whether service area-related text is included in the service text message; As a result of the checking, if there is the service area related text, converting the service code corresponding to the analyzed service text message and searching service information associated with the service code or affiliate store information located in the service area; Card service providing method comprising the step of processing the searched service information or merchant information in the form of a message. 9. The method of claim 8, wherein the step of checking whether the service text message includes the service area-related text, Tracking the area where the terminal of the customer is located if there is no service area related text as a result of the checking; And searching for service information corresponding to the analyzed service text message or affiliated store information in an area where the customer terminal is located. The method of claim 8, wherein the service access number, Card service providing method, characterized in that the destination number of the service provider to provide the service information. The method of claim 1, wherein the providing of the service information corresponding to the received service text message to the customer terminal comprises: Card service providing method characterized in that provided to the customer terminal including the service request area requested by the customer or the merchant information for the area where the customer is located. The method of claim 11, wherein the merchant information provided to the customer terminal includes: Card service providing method comprising at least one of the address, name, telephone number, location, marketing event related information of the merchant. The method of claim 12, wherein the marketing event related information, A card service providing method comprising at least one of an event period, an event content, and various discount coupons. The method of claim 11, wherein the providing of the affiliated store information about the service request area requested by the customer or the area where the customer is located to the customer terminal is performed. The affiliated store information for the region where the customer is located is automatically transmitted to the customer terminal when the customer performs a card payment. In the card service providing system that provides a variety of service information connected to a plurality of merchants and customer terminals through a wired / wireless communication network, A receiving unit for receiving a service text message from the customer terminal; A database storing information related to providing a specific service; A transmitter for providing service information corresponding to the received service text message to the customer terminal; And And a control unit which controls to provide the service information corresponding to the service text message to the customer terminal through the transmitting unit when the service unit receives the service text message. The system of claim 15, wherein the card service providing system comprises: Card service providing system for generating a service code corresponding to the service information to be provided to the customer, and providing a service information corresponding to the code. The method of claim 16, wherein the service providing unit, A classification unit for collecting a plurality of service information to be provided to the customer and classifying the collected service information according to a type; And a generation unit for generating a service code corresponding to the classified service information. The method of claim 17, wherein the classification unit, The service information is classified into a plurality of first groups according to a service type, and is classified into a plurality of second groups according to a service area or a date from a predetermined first group among the plurality of first groups. Card service system. The system of claim 15, wherein the card service providing system comprises: An analysis unit for analyzing the received service text message and converting the analyzed text into a service code; A search unit searching for the service information corresponding to the analyzed service text message or the service request area or the affiliate store information about the area where the customer terminal is located from the database; And And a message processing unit for processing the searched service information or affiliated store information into a message form. The service system of claim 15, further comprising a location tracking unit for tracking an area where the terminal of the customer is located according to a control signal of the controller. The card service system of claim 15, further comprising an update unit that periodically updates the service information stored in the database according to a control signal of the controller. In the card service providing method of a system that provides a service information to a customer connected to a plurality of merchants and customer terminals through a wired / wireless communication network, Receiving a message with no text input from the customer terminal; And The card service providing method comprising the step of providing specific service information to the customer terminal. The method of claim 22, wherein the specific service information, Card service providing method, characterized in that the point-related information of the customer. The method of claim 23, wherein the point related information, Card service providing method further comprises the merchant and available point information considering the location of the customer.