KR20120076578A - Card issuing apparatus, communication service apparatus, system for issuing card and method therefor - Google Patents

Abstract

PURPOSE: A card issuing apparatus, communication service apparatus, user communication apparatus, card issuing system, and method are provided to offer card pre-issuance services to approved users by previously providing card information through the Internet. CONSTITUTION: A card issuing apparatus(100) approves the issuing of a card according to the pre-issuance request of a card. The card issuing apparatus transmits card pre-issuance information including card information. When a reception notification signal for the card pre-issuance information is received, the card issuing apparatus transmits an authentication notification signal for the card pre-issuance. When the authentication notification signal is received, a user communication apparatus(300) displays the card pre-issuance information.

Description

Card Issuing Device, Communication Service Device, User Communication Device, Card Issuing System and Method {CARD ISSUING APPARATUS, COMMUNICATION SERVICE APPARATUS, SYSTEM FOR ISSUING CARD AND METHOD THEREFOR}

The present invention relates to card issuance, and more specifically, to users who have been authorized for card issuance, the card information is provided online prior to the delivery of the physical card so that the card can be used in advance before the receipt of the physical card. It relates to a card issuing system for providing a card issuance service, a method for issuing a card through it, a card issuing device, a communication service device, and a user communication device constituting such a system.

As is well known, as the card infrastructure grows, cards (eg, credit cards, etc.) are in the spotlight as indirect payment methods that replace cash (or checks).

These cards are released in various forms such as credit cards, check cards, and debit cards, and the most widely used credit cards use credit settlement. Credit settlement means that the credit card member receives goods or services from the merchants recruited by the credit card company with the credit card company's credit, and pays the use fee to the credit card company on the subsequent payment date. A payment method that receives payment for goods or services from a credit card company.

Credit cards, etc., can be conveniently paid online, especially in the offline market, due to the advantages of reducing the inconvenience of having to carry a small amount of cash (or checks), etc. have.

In addition, when the card is used, transaction details are transparently disclosed to prevent tax portals, so the use of the card is widely promoted in the country.

However, according to the card issuing method according to the prior art, a variety of cards are required for the process of approval processing and delivery of the card in consideration of the user's creditworthiness, etc., so a long time from application of card issuance to delivery completion This takes

As such, due to the long time required for the final issuance of the card, there is a possibility that the user may change his mind and maintain the unused state after the issuance, which is a problem for recruiting and securing members from the card company.

In addition, from the user's point of view, there is a troublesome problem of waiting for a long time until the issuance of the actual issuance until the completion of the application for issuing the card required by the user.

The present invention has been proposed in order to solve the problems of the prior art, and prior to the receipt of the physical card by providing the card information online prior to the delivery of the physical card for users who have been authorized for card issuance It provides a card issuing system that can provide a card advancement service to be used, and a card issuing method for providing a card advancement service through this.

The present invention provides a card issuing device, a communication service device, and a user communication device capable of supporting such a card advancement service.

The card issuing system according to the first aspect of the present invention, the card issuing process according to the request for the card issuance request, generates card information to transmit the card advancement information including the card information, the card advancement information A card issuing device for authenticating a card advancement and transmitting an authentication notification signal for card advancement when the reception notification signal is received, receiving and storing the card advancement information, transmitting the reception notification signal, and performing the authentication. A communication service for relaying the card advancement information, the reception notification signal, and the authentication notification signal between the user communication device displaying the card advancement information when the notification signal is received, and the card issuing device and the user communication device; It may include a device.

Here, the user communication device generates store information within a set radius at the current location of the user communication device based on location-based information, and selects a card for which a discount service or a point earning service is provided based on the store information. The recommendation card information generated as described above may be transmitted to the user communication device.

The user communication device generates a consumption log for the user of the user communication device based on card usage tendency information received from the card issuing device, and sets a radius at the current location of the user communication device based on location-based information. Store information in the store, and based on the consumption log, the non-retained recommendation card information generated by selecting a card that provides a discount service or a point earning service among the cards not owned by the user may be transmitted to the user terminal device. .

The card issuing method by the card issuing system according to the second aspect of the present invention comprises the steps of: generating card information based on a card issuance approval process according to a card issuance request, and card advancement information including the generated card information. Transmitting to the user communication device, authenticating the card advancement when the reception notification signal for the card advancement information is received from the user communication device, and transmitting the card advancement authentication notification signal based on the authentication process. And transmitting to the user communication device.

The card issuing method may include generating store information within a set radius from a current position of the user communication device based on location-based information, and a discount service or a point earning service based on the store information. And transmitting the recommendation card information generated by selecting to the user communication device to receive the advance request of the card.

The card issuing method may include generating a consumption log of a user of the user communication device based on card usage tendency information received from the card issuing device, and at a current location of the user communication device based on location-based information. Generating store information within a predetermined radius, and selecting non-retained recommendation card information generated by selecting a card for which a discount service or a point earning service is provided among cards not owned by the user based on the consumption log; Transmitting to the device to receive a request for advancement of the card.

As a third aspect of the present invention, a card issuing apparatus includes a subscription processing unit for approving issuance of the card in accordance with a card advancement request, a member information storage unit for storing member information in accordance with the approval process, and the approval process. A card information generation unit configured to generate card information and transmit card advancement information including the card information to a user communication device, and authenticate the card advancement when a reception notification signal for the card advancement information is received from the user communication device. A pre-authentication authentication unit configured to process and transmit a card advancement authentication notification signal to the user communication device, and an authentication information storage unit configured to store authentication information according to the authentication process.

Here, the subscription processing unit may receive a signal for requesting the issuance of the card from the user communication device.

As a fourth aspect of the present invention, a communication service device receives card advancement information including card information based on card issuance approval processing according to a card advancement request from a card issuing device, and transmits the card advancement information to a user communication device. Receiving a reception notification signal for the card advancement information from the device to pass to the card issuing device, and receives a card advancement authentication notification signal from the card issuing device according to the card advancement authentication process based on the reception notification signal to the user Can be communicated to a communication device.

The communication service device may include a store information generation unit generating store information within a set radius based on the location information of the user communication device, and a card provided with a discount service or a point earning service at a store within the set radius. The card recommendation processing unit may be configured to selectively generate and provide card recommendation information.

The communication service device may include a consumption log generation unit configured to receive consumption information on card usage tendency of a user who uses the user communication device, diagnose a consumption pattern, and generate a consumption log, and a setting radius based on location information of the user communication device. A store information generation unit for generating store information in the store, and selecting and providing a card for which a discount service or a point earning service is provided in a store within the set radius, and generating and providing card recommendation information. The card recommendation processing unit may be configured to generate and provide non-retained recommendation card information by selecting a card provided with a discount service or a point earning service among cards not possessed.

As a fifth aspect of the present invention, the user communication device, when the card advancement information including the card information based on the card issuance approval process according to the advancement request of the card is received from the card issuing device, receives a notification signal for the card advancement information. And a advance processing unit for processing the card advancement information to be displayed externally when a card advancement authentication notification signal is received from the card issuing device according to the card advancement authentication process based on the reception notification signal, and received by the advancement processing unit. It may include a card information storage unit for storing the card selection information.

Here, the advance processing unit may transmit a signal for requesting advancement of the card to the card issuing device.

According to an embodiment of the present invention, a card advancement service is provided for users who have been authorized for card issuance to pre-use the card information online prior to the delivery of the physical card so that the card can be used in advance before the receipt of the physical card. Can provide.

Therefore, by supplementing the long time from the application for issuance of the card to the final issuance, it is possible to pre-use it in a short time so that the user is less likely to change the mind, and thus the possibility of remaining unused after issuance is also lowered. It is beneficial to recruiting and securing members.

In addition, from the user's point of view, since the user is provided with the card information that can be used in the shortest time after the application for issuing the card required by the user, the troublesome problem of having to wait a long time until the first card is used is solved.

1 is a block diagram of a card issuing system according to a first embodiment of the present invention.
2 is a block diagram of a card issuing apparatus according to a first embodiment of the present invention.
3 is a block diagram of a user communication device according to a first embodiment of the present invention.
4 is a flowchart illustrating a card issuing method according to a first embodiment of the present invention.
5 is a configuration diagram of a communication service device according to a second embodiment of the present invention.
6 is a flowchart illustrating a card issuing method according to a second embodiment of the present invention.
7 is a diagram illustrating an example of a display screen output by a user communication device according to a second exemplary embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

<First Embodiment>

1 is a block diagram of a card issuing system according to a first embodiment of the present invention.

As shown in the drawing, the card issuing system may include a card issuing apparatus 100, a communication service apparatus 200, and a user communication apparatus 300.

The card issuing apparatus 100 may process issuance of a card according to a card issuance request, generate card information, and transmit card advancement information including the card information to the user communication device 300, and the user communication device 300. When the reception notification signal for the card advancement information is received, the card certifies the card advancement and transmits the authentication notification signal for the card advancement to the user communication device 300. For example, the card issuing apparatus 100 may receive a signal for requesting the advancement of the card from the user communication device 300 or may request the advancement of the card through a separate offline application procedure. Detailed components of the card issuing apparatus 100 will be described with reference to FIG. 2 below.

The user communication device 300 receives and stores card advancement information including card information from the card issuing device 100, transmits a reception notification signal for the card advancement information to the card issuing device 100, and issues the card issuing device. When the authentication notification signal for the card advancement is received from 100, the card advancement information is displayed to be recognized by the user. Detailed components of the user communication device 300 will be described with reference to FIG. 3 below.

The communication service device 200 relays card advancement information, a reception notification signal for the card advancement information, and an authentication notification signal for card advancement authentication processing between the card issuing device 100 and the user communication device 300. .

2 is a block diagram of a card issuing apparatus according to a first embodiment of the present invention.

As shown in the drawing, the card issuing apparatus 100 may include a subscription processing unit 110, a card information generating unit 120, an advance issuing authentication unit 130, a member information storing unit 140, an authentication information storing unit 150, and the like. It may include.

The subscription processing unit 110 approves the issuance of the card in response to the request for advancement of the card. For example, the subscription processing unit 110 may receive a signal for requesting advancement of a card from the user communication device 300.

The member information storage unit 140 stores member information according to an authorization process for issuing a card.

The card information generation unit 120 generates card information according to an authorization process for issuing a card and transmits card advancement information including the card information to the user communication device 300.

When the receiving notification signal for the card selection information is received from the user communication device 300, the first authentication unit 130 authenticates the card advancement and transmits the card advancement authentication notification signal to the user communication device 300.

The authentication information storage unit 150 stores the authentication information according to the authentication process for the card selection.

3 is a configuration diagram of the user communication device 300 according to the first embodiment of the present invention.

As shown therein, the user communication device 300 may include a pre-issue processing unit 310, a card information storage unit 320, and the like.

When the card issuance information including the card information based on the card issuance approval process according to the card issuance request is received from the card issuing device 100, the first issuance processing unit 310 sends a reception notification signal for the card issuance information to the card issuing device ( 100), and when the card advancement authentication notification signal is received from the card issuing device 100 according to the card advancement authentication process based on the reception notification signal for the card advancement information, the card advancement information is displayed separately (not shown). Processed to be displayed through the outside. For example, the advance processing unit 310 may transmit a signal for requesting advancement of the card to the card issuing apparatus 100.

The card information storage unit 320 stores the card advancement information received by the advance processing unit 310.

4 is a flowchart illustrating a card issuing method according to a first embodiment of the present invention.

As described above, the card issuing method of the present invention includes the steps of receiving a signal for requesting the card issuance from the user communication device (S401 to S403), and issuing the card according to the card issuance request of the card issuing device. Generating card information based on the approval process (S405 to S407), transmitting card advancement information including the generated card information to the user communication device (S409 to S413), and the user communication device. If the reception notification signal for the card advancement information is received from the step of the card issuing device to the authentication process for the card advancement (S415 to S421), the card issuing device to the user communication device the card advancement authentication notification signal based on the authentication process; Transmitting (S423 to S425).

Hereinafter, with reference to FIGS. 1 to 4, card issuance by a card issuing system including a card issuing apparatus 100, a communication service apparatus 200, and a user communication apparatus 300 according to the first embodiment of the present invention. Let's look at the process time series.

First, the user communication device 300 transmits a signal for requesting the card advancement to the communication service device 200 (S401), and the communication service device 200 relays the card advancement request signal to the card issuing device 100. (S403).

If the subscription processing unit 110 of the card issuing apparatus 100 satisfies a predetermined criterion such as a credit inquiry for a user of the user communication device 300, the card issuing process is approved (S405). The card information generation unit 120 of the apparatus 100 generates card information according to an approval process for card issuance by the subscription processing unit 110 (S407).

Then, the member information storage unit 140 of the card issuing device 100 registers the user of the user communication device 300 as a member according to the card issuing approval process of the subscription processing unit 110. For example, the wired telephone number, the mobile communication telephone number, or the IP (Internet Protocol) address of the user communication device 300 may be included in the member information and stored. In addition, the subscription processing unit 110 transmits the card advancement information including the card information generated above to the communication service device 200 (S411).

The communication service device 200 relays and transmits card advancement information transmitted by the card issuing device 100 to the user communication device 300 (S413). For example, the card advancement information may include a card number and a valid expiration date information, and the card advancement information may be stored by the member information storage 140. In addition, when the card issuing apparatus 100 transmits the card advancement information to the communication service apparatus 200, the card issuing apparatus 100 may transmit a wired telephone number, a mobile communication telephone number, or an IP address previously stored in the member information storage 140. On the basis of this, the communication service device 200 may deliver card advancement information to the corresponding user communication device 300. The same may be applied to relaying other signals between the card issuing device 100 and the user communication device 300.

When the card issuance information including the card information based on the card issuance approval process according to the card issuance request is transmitted by the card issuing device 100, the advance processing unit 310 of the user communication device 300 transmits the communication service device ( The card information storage unit 320 of the user communication device 300 stores the card advancement information received by the advance processing unit 310 (S415). In addition, the advance processing unit 310 generates a reception notification signal for the card advancement information and transmits it to the communication service device 200 (S417), and the communication service device 200 relays the reception notification signal for the card advancement information. The card issuing apparatus 100 is transferred to the card issuing apparatus 100 (S419).

When the receiving notification signal for the card advancement information is received from the user communication device 300, the advance authentication unit 130 of the card issuing device 100 authenticates the card advancement (S421), and generates a card advancement authentication notification signal. By transmitting to the communication service device 200 (S423), the communication service device 200 relays the card advancement authentication notification signal and transmits it to the user communication device 300 (S425). Here, the authentication information storage unit 150 of the card issuing apparatus 100 stores the authentication information in accordance with the authentication process for the card selection and may be used when verifying the authentication information later.

When the card issuance authentication notification signal is received from the card issuing device 100 according to the card issuance authentication process based on the reception notification signal for the card advancement information, the advancement processing unit 310 of the user communication device 300 receives the card information storage unit ( The card advancement information stored in advance is read, and the read card advancement information is displayed to the outside through a separate display unit (not shown). Here, the card selection information includes card information such as a card number and a valid expiration date information, and thus the user of the user communication device 300 may recognize the card information even before receiving the real card.

As such, the card information is provided online prior to the delivery of the physical card to the user who has been authorized for card issuance, and the user can only use the card transaction if the user knows the card information. You will be provided with a card advancement service that will allow you to use your card even before it is received.

Second Embodiment

5 is a configuration diagram of a communication service device according to a second embodiment of the present invention. The communication service device 200 of FIG. 5 first provides a card recommendation service based on the card usage tendency information and the location information of the user who uses the user communication device 300, and as in the first embodiment described above. It is to provide card advancement service.

As shown in FIG. 5, the communication service apparatus 200 according to the second embodiment of the present invention may include a consumption log generator 210, a consumption log storage 220, a store information generator 230, and store information. The unit 240, a card recommendation processor 250, and a recommendation information storage unit 260 are included.

The consumption log generator 210 receives the card usage tendency information of the user who uses the user communication device 300 from the card issuing apparatus 100 to diagnose the consumption pattern and generate the consumption log.

The consumption log storage unit 220 stores the consumption log generated in the consumption log generator 210.

The store information generation unit 230 generates store information within a set radius based on the location information of the user communication device 300.

The store information storage unit 240 stores the store information generated by the store information generation unit 230.

The card recommendation processing unit 250 generates and provides card recommendation information by selecting a card provided with a discount service or a point earning service at a store within a set radius, and discount service or point among cards not owned by the user based on a consumption log. Provides a card recommendation service for selecting and providing a non-retained recommendation card information by selecting a card provided with the accumulation service.

The recommendation information storage unit 260 stores the card recommendation information and the non-retained recommendation card information generated by the card recommendation processing unit 250.

6 is a flowchart illustrating a card issuing method according to a second embodiment of the present invention. Although not shown after step S403 in FIG. 6, steps S405 to S425 of FIG. 4 are performed.

As described above, the card issuing method of the present invention comprises the steps of diagnosing card usage tendency information of the same member as the user of the user communication device among the card members (S501 to S503) and based on the location-based information. Generating store information within a set radius at the current location of the user (S505 to S507), and providing a recommendation card information by selecting a card provided with a discount service or a point earning service based on the store information (S509 to S511), the card issuing device receiving a signal for requesting the card advancement from the user communication device (S401 to S403), and the card issuing device receives the card information based on the card issuance approval process according to the card advancement request. Generating step (S405 to S407), and the card issuing device uses the card selection information including the generated card information. Transmitting to the user communication device (S409 to S413), and when the reception notification signal for the card advancement information is received from the user communication device, the card issuing device performing authentication processing for the card advancement (S415 to S421), and issuing the card. The device transmits the card advancement authentication notification signal based on the authentication process to the user communication device (S423 to S425).

Hereinafter, a card including a card issuing device 100, a communication service device 200, a user communication device 300, and the like according to a second embodiment of the present invention will be described with reference to FIGS. 1 to 3 and 5 to 7. The card issuing process by the issuing system will be described in time series.

First, the card issuing apparatus 100 provides the card service tendency information of the same member as the user who uses the user communication device 300 among the card members to the communication service device 200, and the consumption log of the communication service device 200. The generation unit 210 generates a consumption log by diagnosing a consumption pattern based on the card usage tendency information, and the consumption log storage unit 220 stores the generated consumption log.

When the user communication device 300 requests the card recommendation service, the store information generation unit 230 of the communication service device 200 generates store information within a set radius based on the location information of the user communication device 300. The store information storage unit 240 stores the generated store information.

The card recommendation processor 250 of the communication service device 200 selects a card provided with a discount service or a point earning service at a store within a set radius to generate card recommendation information and is held by the user based on a consumption log. After selecting a card that provides a discount service or a point earning service among the non-cards, the non-reserved recommendation card information is generated, and the card recommendation information and the non-retained recommendation card information for each adjacent store are transmitted to the user communication device 300. At this time, the recommendation information storage unit 260 stores card recommendation information and non-retained recommendation card information for each adjacent store.

The user communication device 300 displays the card recommendation information and the non-retained recommendation card information for each adjacent store received from the communication service device 200 on a screen so that the user can recognize the information. For example, on the display screen 1200 according to the embodiment of FIG. 7, card recommendation information for each adjacent store is displayed through the recommended store display window 1201, the store address window 1203, and the recommended card window 1205, and the non-retained card recommendation window is displayed. The non-retained recommendation card information may be displayed through 1207.

In this state, when the user selects the card issuance by selecting a specific card in the non-reserved card recommendation window 1207, the user communication device 300 sends a signal to the communication service device 200 to request the advancement of the card. In step S401, the communication service device 200 relays and transmits a card advance request signal to the card issuing device 100 (S403).

Thereafter, steps S405 to S425 are performed. Since this process has been described in detail in the first embodiment, the description thereof will be omitted.

Card advertisement method according to an embodiment of the present invention can be written in a computer program. The code and code segments that make up this computer program can be easily deduced by a computer programmer in the field. In addition, the computer program is stored in a computer readable medium, and is read and executed by a computer or a card issuing device, a communication service device, a user communication device, or the like according to an embodiment of the present invention. Issuance method can be implemented. The information storage medium includes a magnetic recording medium, an optical recording medium and a carrier wave medium. The computer program implementing the card issuing method according to an embodiment of the present invention may be stored and installed in the internal memory of the user communication device. Alternatively, an external memory such as a smart card (eg, a subscriber identity module) storing and installing a computer program for implementing a card issuing method according to an embodiment of the present invention may be mounted on a user communication device through an interface.

According to an embodiment of the present invention, a card advancement service is provided for users who have been authorized for card issuance to pre-use the card information online prior to the delivery of the physical card so that the card can be used in advance before the receipt of the physical card. Can provide.

Therefore, by supplementing the long time from the application for issuance of the card to the final issuance, it is possible to pre-use it in a short time so that the user is less likely to change the mind, and thus the possibility of remaining unused after issuance is also lowered. It is beneficial to recruiting and securing members.

In addition, from the user's point of view, since the user is provided with the card information that can be used in the shortest time after the application for issuing the card required by the user, the troublesome problem of waiting a long time until the first card is solved is eliminated.

Therefore, the efficiency of card issuance can be improved by applying to an online or offline magnetic card issuing system, an online or offline smart card issuing system or an electronic card issuing system, a card issuing device capable of implementing such a system, a communication service device or a user communication device. You can increase it.

100: card issuing device 110: subscription processing unit
120: card information generation unit 130: advance authentication unit
140: member information storage unit 150: authentication information storage unit
200: communication service device 210: consumption log generation unit
220: consumption log storage unit 230: store information generation unit
240: store information storage unit 250: card recommendation processing unit
260: recommendation information storage unit 300: user communication device
310: selection processing unit 320: card information storage unit

Claims (13)

The card issuance is processed according to the request for advancement of the card, the card information is generated, the card advancement information including the card information is transmitted, and when the reception notification signal for the card advancement information is received, the card advancement is authenticated. A card issuing device for processing and transmitting an authentication notification signal for card issuance;
A user communication device which receives and stores the card advancement information, transmits the reception notification signal, and displays the card advancement information when the authentication notification signal is received;
A communication service device for relaying the card advancement information, the reception notification signal, and the authentication notification signal between the card issuing device and the user communication device.
Card issuing system comprising a. The method of claim 1,
The user communication device generates store information within a set radius at a current location of the user communication device based on location-based information, and selects and generates a card for which a discount service or a point earning service is provided based on the store information. Sending recommendation card information to the user communication device;
Card issuing system. The method of claim 1,
The user communication device generates a consumption log for the user of the user communication device based on card usage tendency information received from the card issuing device, and sets a radius at the current location of the user communication device based on location-based information. Generating store information in the store, and transmitting the non-retained recommendation card information generated by selecting a card for which a discount service or a point earning service is provided among cards not owned by the user based on the consumption log to the user terminal device;
Card issuing system. As a card issuing method by the card issuing system,
Generating card information according to a card issuance authorization process according to a card advance request;
Transmitting card advancement information including the generated card information to a user communication device;
Authenticating card advancement when the reception notification signal for the card advancement information is received from the user communication device;
Transmitting a card advancement authentication notification signal based on the authentication process to the user communication device.
How to issue a card. The method of claim 4, wherein
The card issuing method includes generating store information within a set radius at a current location of the user communication device based on location-based information;
And transmitting a recommendation card information generated by selecting a card provided with a discount service or a point earning service based on the store information to the user communication device to receive a request for advancement of the card.
How to issue a card. The method of claim 4, wherein
The card issuing method may further include generating a consumption log of a user of the user communication device based on card usage tendency information received from the card issuing device;
Generating store information within a set radius at a current location of the user communication device based on location based information;
Receiving a request for advancement of the card by transmitting to the user terminal device non-retained recommendation card information generated by selecting a card for which a discount service or a point earning service is provided among cards not owned by the user based on the consumption log. Containing steps
How to issue a card. A subscription processing unit for approving the issuance of the card in response to a request for advancement of the card;
A member information storage unit for storing member information according to the approval process;
A card information generation unit for generating card information according to the authorization process and transmitting card advancement information including the card information to a user communication device;
An advance authentication unit for authenticating a card advancement and transmitting a card advancement authentication notification signal to the user communication device when the reception notification signal for the card advancement information is received from the user communication device;
Authentication information storage unit for storing the authentication information in accordance with the authentication process
Card issuing device comprising a. The method of claim 7, wherein
The subscription processing unit receives a signal for requesting advancement of the card from the user communication device.
Card issuing device. Receive card advancement information including card information based on the card issuance approval process according to the card advancement request from the card issuing device and transmit the card advancement information to the user communication device, and receive a reception notification signal for the card advancement information from the user communication device. Receiving and transmitting the card issuance authentication notification signal from the card issuing device according to the card advancement authentication process based on the reception notification signal, and transmitting the card issuance authentication notification signal to the user communication device.
Communication service device. The method of claim 9,
The communication service device may include a store information generation unit generating store information within a set radius based on location information of the user communication device;
And a card recommendation processing unit for generating and providing card recommendation information by selecting a card provided with a discount service or a point earning service at a store within the set radius.
Communication service device. The method of claim 9,
The communication service apparatus may include: a consumption log generation unit configured to generate consumption logs by diagnosing consumption patterns by receiving card usage tendency information of a user who uses the user communication apparatus;
A store information generation unit generating store information within a set radius based on the location information of the user communication device;
Cards for which discount service or point earning service is provided are selected and generated at the store within the set radius, and card recommendation information is generated, and discount service or point earning service is provided among cards not owned by the user based on the consumption log. And a card recommendation processing unit that selects cards to be generated and provides non-retained recommendation card information.
Communication service device. When the card advancement information including the card information based on the card issuance approval process according to the card advancement request is received from the card issuing device, the reception notification signal for the card advancement information is transmitted, and the card advancement is based on the reception notification signal. A advance issuance processing unit for processing the card advancement information to be displayed externally when a card advancement authentication notification signal is received from the card issuing device according to an authentication process;
And a card information storage unit for storing the card advancement information received by the advance processing unit.
User communication device. The method of claim 12,
The advance processing unit transmits a signal for requesting advancement of the card to the card issuing device.
User communication device.

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