KR20120094539A - Method and system for leading issuance of card using smart phone, smart phone - Google Patents

Abstract

PURPOSE: A card issue inducing method using a smart phone, a system thereof, and the smart phone for the same are provided to simply and conveniently perform card issue without the inconvenience of submitting a card issue application from and a copy of an ID in document. CONSTITUTION: An interface outputting unit(125) outputs an interface inputting both card company information and user information. If the information is inputted through the interface, a user card registering unit(130) transmits the user information and the card company information to an operator server through a data communication network. The operator server confirms device identification information identifying a smart phone(100).

Description

Method and system for inducing card issuance using a smartphone and a smartphone therefor {Method and System for Leading Issuance of Card using Smart Phone, Smart Phone}

The present invention is pushed and output payment payment information approved for payment using the user's card through the data communication network of the smart phone, one or more keywords of the merchant keyword, temporary keywords, amount keywords, product keywords from the pushed payment history information Is extracted, the extracted keyword is transmitted to the card company server or the operator server through the data communication network, and the card company which is associated with the keyword from the card company server or the operator server and simultaneously issues at least one card to the user through the card company. The present invention relates to a smart phone for receiving an additional issueable recommendation card information and outputting an interface for additionally issuing a card corresponding to the recommendation card information in a predetermined region near the output payment history information.

When payment is made using the customer's card, the card company is providing a text sending service for sending a text message including a payment history including the result of the payment approval to the mobile phone of the customer. Such a text sending service is essentially used for almost all cards in that it prevents fraudulent use of the card, and there is no user's rejection or repulsion.

As card issuances have saturated recently, the card marketing of each card company is divided into two. One is to have our card be used as the customer's primary card, and the other is to saturate the cards the customer holds with his cards somehow to allow the customer to refuse to issue a third party card. In the former case, however, it's never so easy to induce customer remorse. Therefore, most card companies' card marketing is proceeding to saturate the cards owned by customers by issuing their cards to customers faster as in the latter case.

The cheapest and fastest way to issue a card to a customer is through telemarketing. However, most customers have a potential rejection of telemarketing, which induces card issuance, and they are less likely to file an application for card issuance. In addition, even if the customer's dissatisfaction with telemarketing is eliminated, it is impossible to determine exactly which card is beneficial to him. For example, a customer who has no reason to go to a particular brand of coffee shop a year may vaguely think that a card with a coffee shop discount is what he needs.

An object of the present invention for solving the above problems, the payment received payment history information is approved by using the user's card through the data communication network of the smart phone, the merchant keyword, date and time from the pushed payment history information When one or more keywords among a keyword, an amount keyword, and a product keyword are extracted, the extracted keyword is transmitted to the card company server or the operator server through the data communication network, and then N (N≥ 1) Receive n (1≤n≤N) recommendation card information that can be additionally issued through a card company that has issued at least one card to the user among the cards, and the n is stored in a predetermined region near the output payment history information. Smart outputting interface for issuing additional cards corresponding to two recommendation card information And to provide a method and system.

The smart phone according to the present invention, in a smart phone that can communicate with a server storing a plurality of recommendation card information, payment history that is pushed through the payment history information approved by the user's card through the data communication network of the smart phone A keyword extracting unit which extracts one or more keywords among a merchant keyword, a temporary keyword, an amount keyword, and a product keyword from the receiver, the pushed payment history information, and transmits the extracted keyword to the server through a data communication network of the smart phone; N (1≤n≤N) recommendation card information that can be additionally issued through a keyword transmitting unit and a card company that has issued at least one card to the user among N (N≥1) cards associated with the keyword from the server And a recommendation card receiving unit for receiving the payment history information and a predetermined area near the payment history information. And a card issuing inducing unit for outputting an interface for inducing to further issue cards corresponding to the n pieces of recommendation card information.

According to the present invention, the smart phone, an interface output unit for outputting an interface for inputting the card company information and user information issuing at least one card to the user, and if the information is input through the interface, the data communication network Further comprising a user card registration unit for transmitting the user information to the card company server corresponding to the card company information, the card company server checks the device identification information for identifying the smart phone (or program module of the smart phone), After checking the card information issued to the user based on the user information, the device identification information and the card information may be connected and stored.

According to the present invention, the smart phone, an interface output unit for outputting an interface for inputting the card company information and user information issuing at least one card to the user, and if the information is input through the interface, the data communication network Further comprising a user card registration unit for transmitting the card company information and user information to the operator server through, the operator server checks the device identification information identifying the smart phone (or program module of the smart phone), the card company information After transmitting the user information to a corresponding card company server to receive one or more card information issued to the user, the card information (or user information), card company information and device identification information can be connected and stored.

According to the present invention, the smart phone, the interface output unit for outputting the interface for inputting the card information and card company information and the user information issued to the user, and if the information is input through the interface, the operator through the data communication network Further comprising a user card registration unit for transmitting the card information, card company information and user information to the server, the operator server checks the device identification information for identifying the smart phone (or program module of the smart phone), the card company information After transmitting the user information and card information to a card company server corresponding to the card issuing state for the user, the card information (or user information), card company information, and device identification information may be connected and stored.

According to the present invention, the smart phone, the payment count calculation unit for calculating the cumulative payment count for each merchant that counted the number of payment history within a certain validity period identified based on the temporary keyword for each merchant, and the cumulative payment count for each merchant Incentive obtaining unit for obtaining the incentive information corresponding to the, and if the payment history information is output, the incentive output unit for outputting the incentive information in a predetermined region near the payment history information may be further provided.

According to the present invention, the smart phone, a payment amount calculating unit for calculating the cumulative payment amount for each affiliate store by adding up the amount keyword within a certain validity period identified based on the temporary keyword based on the affiliate store keyword, and for each affiliate store The electronic device may further include an incentive acquisition unit that acquires incentive information corresponding to a cumulative payment amount, and an incentive output unit that outputs the incentive information to a predetermined region near the payment history information when the payment history information is output.

According to the present invention, the smart phone, the purchase number calculation unit for calculating the cumulative number of purchases for each product counting the product keyword within a certain validity period identified based on the temporary keyword based on each product category, and for each product The electronic device may further include an incentive acquisition unit that acquires incentive information corresponding to a cumulative number of purchases, and an incentive output unit that outputs the incentive information to a predetermined region near the payment history information when the payment history information is output.

According to the present invention, the smartphone calculates a cumulative number of purchases for each merchant / product for which a product keyword within a certain validity period identified based on the temporary keyword is counted for each affiliate store corresponding to the affiliate store keyword based on each product category. A purchase count calculation unit configured to acquire the incentive information corresponding to the cumulative number of purchases for each affiliate / product, and the payment history information is output, the incentive information is output to a predetermined region near the payment history information. An incentive output unit may be further provided.

According to the present invention, the smart phone, a product information acquisition unit for obtaining one or more recommendation target product information matching the merchant keyword of the payment history information approved for payment at the current time based on the temporary keyword, and the obtained recommendation A recommendation product determination unit that determines at least one recommendation product information associated with the product keyword from target product information, and recommendation product that outputs the recommendation product information to a predetermined region near the payment history information when the payment history information is output; It may further include an output unit.

According to the present invention, the smart phone, when the issuance of the recommendation card is requested, the call channel connection unit for connecting the voice call channel and the automatic answering server receiving the application for issuance of the recommendation card through the voice call network of the smartphone It may be further provided.

According to the present invention, when the smart phone is connected to an automatic answering server that receives an application for issuing the recommendation card through a voice call network of the smartphone and a voice call channel, the dual tone multiple frequency (DTMF) of the voice call network And a card issuing request unit for transmitting the information identifying the user and the recommendation card to the automatic response server through a signal).

According to the present invention, the smart phone, when the issuance of the recommendation card is requested, the communication channel connection unit for connecting the data communication channel and the issuing application server for accepting the issuance application of the recommendation card through the data communication network of the smart phone; It may be further provided.

According to the present invention, when the smart phone is connected to an issuing application server that receives an application for issuing the recommendation card through a data communication network of the smart phone and a data communication channel, information for identifying the user through the data communication network; The card issuing application unit may be further provided to transmit the information identifying the recommendation card to the issuing application server.

According to the present invention, the smart phone further comprises a device identification processing unit for receiving and storing the device identification information for identifying the smart phone (or a program module of the smart phone) in order to push the payment history information through the data communication network. It can be provided.

According to the present invention, the affiliated store keyword includes at least one affiliated store name keyword and an affiliated store location identification keyword, and the server issues a server of a card company that has issued at least one card to the user, or at least one card to the user. It may be a server of an operator affiliated with a card company.

Card issuance induction system using a smart phone according to the present invention, in the card issuance induction system using a smartphone of the server that can be connected to the user's smartphone via a data communication network, the payment maintained on the smartphone through the data communication network At least one card is received by the user from among a keyword receiver which receives at least one keyword among merchant keyword, temporary keyword, price keyword, and product keyword extracted from the history information, and N (N≥1) cards associated with the received keyword. A recommendation card determination unit that determines n (1 ≦ n ≦ N) recommendation card information that can be additionally issued through the issued card company, and a recommendation card that transmits the determined n recommendation card information to the smartphone through the data communication network. Is provided with a transmission unit, wherein the smart phone is the payment history information, the payment history Near the constant region of the beam, and outputs an interface for induction to issue add the card corresponding to the n card like information.

According to the present invention, the card issuing guidance system using the smart phone may further include an issuer storage unit for storing the card issuer information of the user who issued at least one card to the user in a storage medium.

According to the present invention, the card issuing guidance system using the smart phone, the plurality of recommendation card information that can be issued to the user, card company information to issue each recommendation card and each recommendation card-specific recommendation keyword to store in a storage medium The recommendation card storage unit may be further provided.

According to the present invention, the card issuance induction system using the smartphone, the merchant information to provide incentives according to the at least one cumulative payment number, and each of the merchants to identify the at least one cumulative number of payment intervals to provide incentive information An incentive storage unit for storing cumulative settlement number information and incentive information to be provided to a user corresponding to each cumulative settlement number interval, and storing the accumulated settlement number for each affiliate store through the data communication network; The mobile terminal may further include an information transmission unit configured to extract incentive information corresponding to the cumulative settlement number of each affiliate store from the affiliate store and transmit the incentive information to the smartphone through the data communication network.

According to the present invention, the card issuance induction system using the smartphone, the merchant information to provide incentive information according to at least one cumulative payment amount, and each of the merchants to identify at least one cumulative payment amount section to provide incentive information An incentive storage unit connecting the cumulative payment amount information to the incentive information to be provided to the user corresponding to each cumulative payment amount period, and storing the cumulative payment amount for each merchant through the data communication network; The apparatus may further include an information transmitter configured to extract incentive information corresponding to the cumulative payment amount for each affiliate store from the medium and transmit the incentive information to the smartphone through the data communication network.

According to the present invention, the card issuance induction system using the smart phone, the merchant information to provide an incentive according to at least one cumulative purchase number, and each of the merchants to identify the reference product to provide an incentive based on the cumulative number of purchases An incentive for storing the reference product information, cumulative purchase count information identifying at least one cumulative purchase count section for the reference product, and incentive information to be provided to the user corresponding to each cumulative purchase count section and storing the information on the storage medium. The storage unit and the information transmission unit for extracting the incentive information corresponding to the cumulative number of purchases for each product from the storage medium is received through the data communication network and transmitting to the smart phone through the data communication network It can be provided.

According to the present invention, the card issuance induction system using the smart phone, reference product information for identifying a reference product for recommending at least one other product as a recommended product, merchant information for selling both the reference product and the recommended product and A recommendation product storage unit which connects recommendation product information identifying at least one recommendation product to be recommended based on the reference product, and stores the recommended product information in a storage medium; and payment details approved at the present time through the data communication network. When a merchant keyword and a product keyword are received, information for extracting merchant information matching the merchant keyword and recommendation product information associated with the reference product information matching the product keyword from the storage medium and transmitting the extracted product information to a smartphone through the data communication network The transmission unit may be further provided.

In a method for inducing card issuance using a smartphone according to the present invention, the method for inducing card issuance of a smart phone capable of communicating with a server storing a plurality of recommended card information is provided by using a user's card through a data communication network of the smart phone. Receiving the payment payment information approved payment, extracting one or more keywords among merchant keyword, temporary keyword, amount keyword, product keyword from the pushed payment history information, the extraction through the data communication network of the smartphone Transmitting a predetermined keyword to the server, and n (1 ≦ n ≦ N) that can be additionally issued through a card company that has issued at least one card to the user among the N (N ≧ 1) cards associated with the keyword from the server. Receiving the recommendation card information, and if the payment history information is output, the vicinity of the payment history information. And outputting an interface for additionally issuing cards corresponding to the n pieces of recommendation card information in a predetermined area.

According to the present invention, the method for inducing card issuance using the smart phone comprises: outputting an interface for inputting card company information and user information for issuing at least one card to the user, and when information is input through the interface, And transmitting the user information to a card company server corresponding to the card company information through the data communication network, wherein the card company server confirms device identification information identifying the smartphone (or a program module of the smartphone). After checking the card information issued to the user based on the user information, the device identification information and the card information may be connected and stored.

According to the present invention, the method for inducing card issuance using the smart phone comprises: outputting an interface for inputting card company information and user information for issuing at least one card to the user, and when information is input through the interface, And transmitting the card company information and the user information to the operator server through the data communication network, wherein the operator server confirms device identification information for identifying the smartphone (or program module of the smartphone), and the card company. After transmitting the user information to a card company server corresponding to the information to receive one or more card information issued to the user, the card information (or user information), card company information and device identification information can be connected and stored.

According to the present invention, the method for inducing card issuance using the smart phone includes: outputting an interface for inputting card information, card company information, and user information issued to the user; And transmitting the card information, card company information, and user information to an operator server through a communication network, wherein the operator server confirms device identification information for identifying the smartphone (or program module of the smartphone), After transmitting the user information and the card information to the card company server corresponding to the card company information to authenticate the card issuing state for the user, the authenticated card information (or user information), card company information and device identification information can be connected and stored. have.

According to the present invention, the method for inducing card issuance using the smart phone comprises: calculating a cumulative settlement number for each affiliated store that counts the number of payments within a predetermined validity period for each affiliated store, based on the temporary keyword, and for each affiliated store; The method may further include obtaining incentive information corresponding to a cumulative number of payments, and outputting the incentive information to a predetermined region near the payment history information when the payment history information is output.

According to the present invention, the method for inducing card issuance using the smart phone includes: calculating a cumulative settlement amount for each affiliate store by adding up an amount keyword within a predetermined validity period based on the temporary keyword based on the affiliate store keyword; The method may further include obtaining incentive information corresponding to the cumulative payment amount for each affiliate store, and outputting the incentive information to a predetermined region near the payment history information when the payment history information is output.

According to the present invention, the method for inducing card issuance using the smart phone includes: calculating a cumulative number of purchases for each product counting a product keyword within a certain validity period identified based on the temporary keyword based on each product category; The method may further include obtaining incentive information corresponding to the cumulative number of purchases for each product, and outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.

According to the present invention, the card issuance induction method using the smart phone, the merchant / product that counts the product keyword within a certain validity period identified based on the temporary keyword for each merchant corresponding to the merchant keyword based on each product category Calculating the cumulative number of purchases for each of the stores; acquiring incentive information corresponding to the cumulative number of purchases for the affiliated store / product; and outputting the incentive information in a predetermined region near the settlement information when the payment history information is output. The method may further include outputting.

According to the present invention, the method for inducing card issuance using the smartphone may include obtaining at least one recommendation target product information matching the affiliate store keyword of the payment history information approved for payment at the present time based on the temporary keyword; Determining at least one piece of recommendation product information associated with the product keyword from the obtained recommendation product information, and outputting the recommendation product information to a predetermined region near the payment history information when the payment history information is output. It may further include.

According to the present invention, the method for inducing card issuance using the smart phone, when the issuance of the recommendation card is requested, an automatic answering server for accepting the issuance of the recommendation card through the voice call network of the smart phone and a voice call channel It may further comprise the step of connecting.

According to the present invention, the card issuance induction method using the smart phone, the voice call channel and the automatic answering server receiving the application for issuing the recommendation card through the voice call network of the smart phone is connected, The method may further include transmitting the information identifying the user and the information identifying the recommendation card to the answering machine through a dual tone multiple frequency (DTMF) signal.

According to the present invention, the card issuing method using the smart phone, when the issuance of the recommendation card is requested, through the data communication network and the data communication channel and the issuing application server for accepting the application for issuance of the recommendation card through the data communication network of the smart phone; The method may further include connecting.

According to the present invention, the card issuance induction method using the smart phone, when the issuing application server that receives the issuing application of the recommendation card through the data communication network of the smart phone and the data communication channel is connected, the data communication network through the The method may further include transmitting the information identifying the user and the information identifying the recommendation card to the issuing application server.

According to the present invention, the method for inducing card issuance using the smart phone includes receiving and storing device identification information for identifying the smart phone (or a program module of the smart phone) to receive the payment history information through the data communication network. It may further comprise the step.

In the method for inducing card issuance using a smartphone according to the present invention, the method for inducing card issuance using a smartphone of a server that can be connected with a user's smartphone through a data communication network, the payment held in the smartphone through the data communication network Receiving at least one keyword among merchant keyword, temporary keyword, amount keyword, and product keyword extracted from the history information, and issuing at least one card to the user among N (N≥1) cards associated with the received keyword; Determining n (1 ≦ n ≦ N) recommendation card information that can be additionally issued through one card company; and transmitting the determined n recommendation card information to the smartphone through the data communication network. When the smart phone outputs the billing history information, the n pieces of recommendations are provided in a predetermined region near the billing history information. Outputs an interface for inducing to issue a card corresponding to the card information.

According to the present invention, the method for inducing card issue using the smart phone may further include storing the card issuer information of the user who issued at least one card to the user in a storage medium.

According to the present invention, the card issuing method using the smart phone, the plurality of recommendation card information that can be issued to the user, card company information to issue each recommendation card and each recommendation card-specific recommendation keyword to store in a storage medium It may further comprise a step.

According to the present invention, the method for inducing card issuance using the smart phone includes: identifying merchant information for providing incentives according to at least one cumulative payment count, and identifying at least one cumulative payment frequency section for providing incentive information at each merchant; Storing cumulative payment number information and incentive information to be provided to a user corresponding to each cumulative payment number interval and storing the information in a storage medium; and when the cumulative payment number for each merchant is received through the data communication network, The method may further include extracting incentive information corresponding to the cumulative number of payments for each affiliate store and transmitting the incentive information to the smartphone through the data communication network.

According to the present invention, the card issuance induction method using the smartphone, the merchant information to provide incentive information according to at least one cumulative payment amount, and each of the merchants to identify at least one cumulative payment amount section to provide incentive information Storing cumulative payment amount information and incentive information to be provided to the user corresponding to each cumulative payment amount period, and storing the cumulative payment amount for each affiliate store through the data communication network; The method may further include extracting incentive information corresponding to the cumulative payment amount for each affiliate store and transmitting the incentive information to the smartphone through the data communication network.

According to the present invention, the card issuance induction method using the smartphone, the merchant information to provide an incentive according to at least one cumulative purchase number, and each of the merchants to identify the reference product to provide an incentive based on the cumulative purchase count Storing the reference product information, cumulative purchase count information for identifying at least one cumulative purchase count section for the reference product, and incentive information to be provided to a user in correspondence with each cumulative purchase count section and storing them in a storage medium. And when the cumulative number of purchases of the goods are received through the data communication network, extracting incentive information corresponding to the cumulative number of purchases of the goods from the storage medium and transmitting the incentive information to the smartphone through the data communication network. have.

According to the present invention, the method for inducing card issuance using the smartphone includes reference product information for identifying a reference product for recommending at least one other product as a recommended product, merchant information for selling both the reference product and the recommended product; Connecting the recommendation product information identifying at least one recommendation product to be recommended based on the reference product, and storing the recommended product information in a storage medium, and a merchant keyword including payment history approved at the present time through the data communication network; When the product keyword is received, extracting affiliated store information matching the affiliated store keyword and recommended product information associated with reference product information matching the product keyword from the storage medium and transmitting the extracted product information to a smartphone through the data communication network; can do.

According to the present invention, at the time when a payment history including a card payment authorization result is provided to a customer's smart phone, the card payment is associated with an affiliated store or a product in which the card payment is generated and at the same time added through a card company that has issued at least one card to the user. By recommending the issueable card to the customer to be issued, there is an advantage of significantly increasing the probability that the customer is issued the recommended card. In addition, the customer has an advantage that can intuitively judge the consumption pattern of his own to selectively issue the necessary and beneficial cards. In addition, by limiting the additional card issued to the card company that issued the at least one card to the user, it is possible to simply and conveniently issue the card without the hassle of the customer submitting the card issuance application and a copy of the ID card in writing have.

1 is a diagram illustrating a smartphone function configuration according to an embodiment of the present invention.
2 is a diagram illustrating an additional function configuration of a program module according to the present invention.
3 is a diagram illustrating a card issuance induction system configuration using a smart phone according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of a card company server or an operator server according to an embodiment of the present invention.
5 is a diagram illustrating a card registration process of a program module according to an embodiment of the present invention.
6 is a view showing a payment history providing process according to an embodiment of the present invention.
7 is a diagram illustrating a payment history providing process according to another exemplary embodiment of the present invention.
8 is a diagram illustrating a card issuance induction process using a smart phone according to an embodiment of the present invention.
9 is a diagram illustrating an incentive providing process through payment history according to the first embodiment of the present invention.
10 is a diagram illustrating an incentive providing process through payment details according to a second embodiment of the present invention.
11 is a diagram illustrating an incentive providing process through payment details according to a third embodiment of the present invention.
12 is a diagram illustrating an incentive providing process through payment details according to a fourth embodiment of the present invention.
13 is a view showing a product recommendation process through the payment history according to the embodiment of the present invention.
14 is a diagram illustrating a card issuing application acceptance process according to an embodiment of the present invention.
15 is a diagram illustrating a card issuing application acceptance process according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. 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 terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a functional configuration of a smart phone 100 according to an embodiment of the present invention.

In more detail, Figure 1 is pushed through the payment history information approved payment using the user's card through the data communication network 315 of the smart phone 100, the merchant keyword, temporary keyword from the pushed payment history information When one or more keywords of the amount keyword and the product keyword are extracted, the extracted keyword is transmitted to the card company server 300 or the operator server 305 through the data communication network 315, and then the card company server 300 or Receive n (1≤n≤N) recommendation card information from the operator server 305 which can be further issued through a card company that has issued at least one card to the user among N (N≥1) cards associated with the keyword. The smartphone 100 for outputting an interface for inducing additional issuance of cards corresponding to the n recommendation card information in a predetermined region near the output payment history information. The functional configuration of the program module 115 for the present invention, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 1 to various functions of the smart phone 100. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG. In particular, the configuration of the smartphone 100 shown in FIG. 1 may further include a configuration of the smartphone 100 that is currently / later released, thereby clearly indicating that the present invention is not limited thereto.

Referring to FIG. 1, the smartphone 100 includes a control unit 101, a memory unit 113, a screen output unit 102, a key input unit 103, a sound output unit 104, and a sound input unit 105. And a battery unit 107 for supplying power to the camera unit 106, the wireless network communication module 109, the short range wireless communication module 108, the location positioning module 110, the USIM reader unit 111, and the USIM 112. It is provided.

The controller 101 is a generic term for a functional configuration that controls the operation of the smartphone 100. The controller 101 includes at least one processor and an execution memory, and each of the functional components and the buses provided in the smartphone 100 are connected to each other. BUS). According to the present invention, the control unit 101 loads and calculates at least one program code included in the smartphone 100 through the processor into the execution memory, and calculates at least one function through the bus. Transfer to the component to control the operation of the smartphone (100). Hereinafter, for convenience, the functional components of the program module 115 implemented in the form of program codes will be described in the control unit 101 of FIG.

The memory unit 113 is a generic term for a nonvolatile memory included in the smartphone 100, and includes at least one program code executed through the controller 101 and at least one data set used by the program code. Save it and keep it. The memory unit 113 basically includes a system program code and a system data set corresponding to an operating system of the smartphone 100, a communication program code and a communication data set for processing a wireless communication connection of the smartphone 100, and at least One application program code and an application data set are stored, and the program code and data set for implementing the present invention are also stored in the memory unit 113.

The screen output unit 102 is composed of a screen output device (e.g., a liquid crystal display (LCD) device) and an output module for driving the screen output device 102. The screen output unit 102 is connected to the control unit 101 via a bus, And outputs an operation result corresponding to the screen output to the screen output device.

The key input unit 103 comprises a key input device having at least one key button (or a touch screen device interlocked with the screen output unit 102) and an input module for driving the key input unit. The control unit 101, And inputs a command for commanding various operations of the control unit 101 or data necessary for the operation of the control unit 101. [

The sound output unit 104 includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit 104 is connected to the control unit 101 by a bus to correspond to sound output among various calculation results of the control unit 101. The calculation result is output through the speaker. The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit 105 includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits sound data input through the microphone to the controller 101. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit 106 includes the optical unit, a charge coupled device (CCD), and a camera module for driving the same, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module 109 is a generic term for a communication configuration connecting wireless communication, and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving radio frequency signals of a specific frequency band. It is connected to the control unit 101 by a bus and transmits a calculation result corresponding to wireless communication among various calculation results of the control unit 101 through wireless communication, or receives data through wireless communication to the control unit 101. At the same time as the transmission, it maintains the procedure of connection, registration, communication, handoff of the wireless communication. According to the present invention, the wireless network communication module 109 may connect the smart phone 100 to the voice call network 325, and optionally connect the smart phone 100 to the data communication network 315. .

According to an exemplary embodiment of the present invention, the wireless network communication module 109 is configured to perform at least one of connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. It includes. Meanwhile, according to the intention of the person skilled in the art, the wireless network communication module 109 is IEEE 802.16? According to the specification, the mobile internet communication may further include a mobile internet communication configuration for performing at least one connection, location registration, data communication, and handoff according to the standard. It is clear that this is not a limitation.

The short range wireless communication module 108 is configured as a short range communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance, preferably, ISO 180000 series RFID communication, Bluetooth communication, Wi-Fi communication And at least one of public wireless communication. According to an embodiment of the present invention, the short range wireless communication module 108 may be integrated with the wireless network communication module 109. According to the present invention, the short range wireless communication module 108 connects the smart phone 100 to the data communication network 315.

The USIM reader 111 is a generic term for a configuration for exchanging at least one data set with a universal subscriber identity module (Universal Subscriber Identity Module) mounted on or detached from the smart phone 100 based on ISO / IEC 7816 standard. As an example, the data sets are exchanged in a half-duplex communication through an APDU (Application Protocol Data Unit).

The USIM 112 is a SIM type card equipped with an IC chip according to the ISO / IEC 7816 standard, an input / output interface including at least one contact point connected to the USIM reader unit 111, and at least one IC. An IC chip memory for storing a program code and a data set for a chip, and the program code for the IC chip or extracts the data set in accordance with at least one command transmitted from the smart phone 100 connected to the input and output interface (or Processing) and a processor for transmitting to the input / output interface.

The input / output interface includes at least one contact point of power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and input / output (I / O). The processor interfaces with the USIM reader 111 through the contact point. The IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module, and at least one communication required for accessing the wireless communication network of the smartphone 100 to a fixed storage area. Stores Subscriber Identity Module (SIM) information including parameters. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (for example, SD (Security Domain)) storing program codes (= applets) and data sets produced by at least one applet issuer )).

The position positioning module 110 is composed of a GPS positioning module for positioning the moving position of the smart phone 100, and receives the satellite signal transmitted from at least three or more GPS satellites orbiting the earth orbit the smart phone ( The movement position information of 100) is calculated.

According to another embodiment of the present invention, the location positioning module 110 is connected between the smartphone 100 and the base station (or access point) in association with a positioning device on a communication network associated with at least two or more base stations (or access points). It may include a terrestrial positioning module for positioning the position of the smart phone 100 in a terrestrial positioning method using a frequency arrival time (or arrival angle).

Referring to FIG. 1, the program module 115 identifies the smartphone 100 (or the program module 115) to receive the payment history information through the data communication network 315. And a device identification processing unit 120 for receiving and storing device identification information. If the smart phone 100 (or the program module 115) can be identified by reading a communication protocol on the data communication network 315, the device identification processor 120 may be omitted.

The device identification processing unit 120 receives the device identification information corresponding to the device token for identifying the smart phone 100 (or the program module 115) according to the Apple Push Notification Service (APNS) standard and the memory unit 113. (Or the memory of the USIM 112).

If the program module 115 receives the payment history information pushed from any one of the card company servers 300, the device identification processor 120 sends the payment history information to the card company server 300. After providing the phone number assigned to the smartphone 100, the memory unit 113 receives device identification information for identifying the smartphone 100 (or the program module 115) from the card company server 300. (Or a memory of the USIM 112).

Alternatively, when the program module 115 may receive the payment history information pushed from the plurality of card company servers 300, the device identification processing unit 120 may forward to the operator server 305 that pushes the payment history information. After providing the phone number assigned to the smart phone 100, the memory unit 113 receives device identification information for identifying the smart phone 100 (or the program module 115) from the operator server 305. (Or the memory of the USIM 112). Here, the operator server 305 is a general term for the server provided in the operator to relay the payment history information transmitted from each card company server 300 to the smart phone 100 in cooperation with one or more card company server 300.

Referring to FIG. 1, the program module 115 includes an interface output unit 125 for outputting an interface for inputting information required for user card registration in order to receive the payment history information and recommendation card information, and the data communication network. A user card registration unit 130 for registering the user card through 315 is provided. If the program module 115 is provided by the specific card company that issued the card to the user, the card company may already know the user card, and thus the interface output unit 125 and the user card registration unit 130 may be omitted. Do.

In this case, the registered card includes a credit card, a check card, a prepaid card, a debit card, and a cash card that can be used for payment by the card company to the user.

When the payment history information is pushed from the card company server 300 according to an exemplary embodiment of the present invention, the interface output unit 125 may input card company information and user information for issuing at least one card to the user. Outputs If the card company information and the user information are input through the interface, the user card registration unit 130 transmits the user information to the card company server 300 corresponding to the card company information through the data communication network 315. If the smart phone 100 (or the program module 115) cannot be identified by reading a communication protocol on the data communication network 315, the user card registration unit 130 may execute the smart phone 100 (or program). Device identification information identifying the module 115 may be further transmitted to the card company server 300. The card company server 300 checks the device identification information for identifying the smart phone 100 (or the program module 115 of the smart phone 100), the card information issued to the user based on the user information After confirming, the device identification information and the card information are connected and stored. Then, if the card payment using the registered card information is approved, the card company server 300 is the smart phone 100 the payment history information approved for payment through the data communication network 315 based on the device identification information (Or program module 115).

According to another embodiment of the present invention, when the payment history information is pushed from the operator server 305 associated with one or more card companies, the interface output unit 125 issues card company information for issuing at least one card to the user. And an interface for inputting user information. If the card company information and the user information are input through the interface, the user card registration unit 130 transmits the card company information and the user information to the operator server 305 through the data communication network 315. If the smart phone 100 (or the program module 115) cannot be identified by reading a communication protocol on the data communication network 315, the user card registration unit 130 may execute the smart phone 100 (or program). Device identification information identifying module 115 may be further transmitted to operator server 305. The operator server 305 checks device identification information for identifying the smartphone 100 (or the program module 115 of the smartphone 100), and the card company server 300 corresponding to the card company information. After transmitting the user information to receive one or more card information issued to the user, and stores the card information (or user information), card company information and device identification information. Then, if the card payment using the registered card information is approved, the card company server 300 delivers the card information (or user information) and the payment approved payment history information to the operator server 305, the operator server 305 checks device identification information of the smartphone 100 (or program module 115) based on card information (or user information), and establishes the data communication network 315 based on the device identification information. The payment history information is pushed to the smartphone 100 (or the program module 115).

Alternatively, when the payment history information is pushed from an operator server 305 affiliated with one or more card companies, the interface output unit 125 may output an interface for inputting card information, card company information, and user information issued to the user. Can be. If the card information, card company information, and user information are input through the interface, the user card registration unit 130 sends the card information, card company information, and user information to an operator server 305 through the data communication network 315. send. If the smart phone 100 (or the program module 115) cannot be identified by reading a communication protocol on the data communication network 315, the user card registration unit 130 may execute the smart phone 100 (or program). Device identification information identifying module 115 may be further transmitted to operator server 305. The operator server 305 checks device identification information for identifying the smartphone 100 (or the program module 115 of the smartphone 100), and the card company server 300 corresponding to the card company information. After transmitting the user information and the card information to authenticate the card issuing status for the user, and stores the authenticated card information (or user information), card company information and device identification information. Then, if the card payment using the registered card information is approved, the card company server 300 delivers the card information (or user information) and the payment approved payment history information to the operator server 305, the operator server 305 checks device identification information of the smartphone 100 (or program module 115) based on card information (or user information), and establishes the data communication network 315 based on the device identification information. The payment history information is pushed to the smartphone 100 (or the program module 115).

Referring to FIG. 1, the program module 115 may include a payment history receiver 135 for receiving payment approved payment information using the user's card through the data communication network 315, and the pushed payment. The keyword extracting unit 140 extracts one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword from the history information, and the extracted keyword through the data communication network 315 to the card company server 300 or the operator server. A keyword transmission unit 145 for transmitting to the user 305 and at least one card from the card company server 300 or the operator server 305 for the N (N≥1) cards associated with the keyword. When the recommendation card receiving unit 150 for receiving n (1≤n≤N) recommendation card information that can be additionally issued through a card company, and the payment history information is output, Area and the guide portion provided with a card-issuing unit 155 for outputting the interface to encourage more issued the card corresponding to the n card like information.

If the payment through the user's card is approved, the card company server 300 that approved the payment is based on the approved card information (or user information) of the smart phone 100 (or program module 115) Confirming device identification information, and using the device identification information of the smart phone 100 (or program module 115) to the approved payment history information to the smart phone 100 through the data communication network 315 The payment history receiving unit 135 receives the payment history information from the card company server 300 through the data communication network 315.

Alternatively, the card company server 300 may transmit the approved card information (or user information) and payment history information to the affiliated operator server 305, in which case the operator server 305 is the card information (or user information). Check the device identification information of the smartphone 100 (or program module 115), and use the device identification information of the smartphone 100 (or program module 115). Push the approved payment history information to the smart phone 100 through 315, the payment history receiving unit 135 receives the payment history information from the operator server 305 through the data communication network 315 Get pushed.

The payment history receiver 135 stores the pushed payment history information in the memory 113 and maintains at least the payment history information through the screen output unit 102.

The keyword extracting unit 140 extracts one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword from the received / stored payment history information.

Here, the affiliated store keyword may include an affiliated store name keyword, and may further include an affiliated store location identification keyword indicating a branch or location of the affiliated store. For example, if the affiliated merchant is authorized franchise merchant named 'xx' located in the area 'yy', the merchant keyword included in the payment history information is configured as 'xx (yy point)' Here, 'xx' corresponds to a merchant name keyword, and 'yy' corresponds to a merchant location identification keyword.

The date and time keyword includes one or more years, months, days, hours, minutes, and seconds when the payment is approved. The amount keyword includes the payment approved amount.

The product keyword may include a name of a purchased product included in the payment details. Alternatively, the product keyword may include a product name or a product category derived from the affiliate store keyword. For example, if the affiliate store name of the affiliate store keyword is 'zz coffee shop', the product keyword is 'coffee'. Alternatively, if the affiliate store name of the affiliate store keyword includes a product brand name, the product keyword may include a product name belonging to the product brand or a category of a product sold by the product brand.

If the operator server 305 is affiliated with an affiliate store corresponding to the affiliate store keyword, the product keyword may be received from the operator server 305 based on one or more keywords extracted directly from the payment history information. In this case, the keyword extraction unit 140 selects a keyword (eg, a merchant keyword, a temporary keyword, an amount keyword, a document number, etc.) that can be connected to the product keyword among the keywords extracted from the payment history information through the data communication network. After transmitting to the server 305, the product keyword from the operator server 305 may be received.

Alternatively, if the program module 115 is able to communicate with a POS terminal or a merchant server provided at an affiliate store corresponding to the affiliate keyword, the product keyword is based on one or more keywords extracted directly from the payment history information. Or it may be received from the merchant server. In this case, the keyword extracting unit 140 includes the keywords (eg, merchant keyword, temporary keyword, amount keyword, document number, etc.) that can be connected to the product keyword among the keywords extracted from the payment history information through the data communication network. After transmitting to the POS terminal or the merchant server, the product keyword may be received from the POS terminal or the merchant server.

Alternatively, if the program module 115 is a smartphone program requesting payment of the affiliated store through the card, or if the program module 115 is interoperable with a smartphone program requesting payment of the affiliated store, the product keyword is transmitted to the keyword extraction unit 140. By the one or more keywords extracted directly from the payment history information may be extracted from the program for the smartphone.

When one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword are extracted from the payment history information, the keyword transmission unit 145 uses the extracted keyword through the data communication network 315 to the card company server 300. Or transmits to the operator server 305.

According to an exemplary embodiment of the present invention, the card company server 300 stores a plurality of recommendation card information issueable to the user, card company information for issuing each recommendation card, and recommendation keywords for each recommendation card.

According to another embodiment of the present invention, the operator server 305 stores the card issuer information of the user who issued at least one card to the user, and the plurality of recommendation card information and each of the recommendation card information that can be issued to the user. The card company to issue a recommendation card and the recommended keyword for each recommendation card are connected and stored.

The card company server 300 or the operator server 305 receives a keyword extracted from the payment history information through the data communication network 315, and at least one card is simultaneously associated with the received keyword to the user. Determining the n recommendation cards that satisfies all of the additional possible issue conditions through the issued card company, and confirms the n recommendation card information that induces the user to issue at least one recommendation card of the n recommendation cards additionally, the data The smart phone 100 is transmitted through the communication network 315.

Here, the recommendation card may include a card that provides a discount or provides at least one incentive (eg, mileage points) at the affiliate store corresponding to the affiliate keyword. Alternatively, the recommendation card may include a card that provides more discounts or more incentives than the payment approval card at the present time at the merchant corresponding to the affiliate keyword. Alternatively, the recommendation card includes an affiliate card that is issued in cooperation with an affiliate store and a card company corresponding to the affiliate store keyword.

The recommendation card receiving unit 150 is additionally issued through the card company which is associated with the keyword from the card company server 300 or the operator server 305 through the data communication network 315 and simultaneously issues at least one card to the user. Receive n pieces of recommendation card information satisfying all possible conditions.

Here, the recommendation card information includes at least one of a phrase, an image, a sound, and a video requesting to issue each recommendation card, and an automatic response server for receiving a card issuance application from the user through the voice call network 325 ( It includes a communication number (eg, a phone number) of 320, or the address of the issuing application server 310 for receiving a card issuing application from the user through the data communication network 315.

When the pushed payment history information is output through the screen output unit 102, the card issuing induction unit 155 outputs the n pieces of recommendation card information to a predetermined region near the outputted payment history information, so that the user Outputs an interface that prompts the user to additionally issue at least one recommendation card among the n recommendation cards.

Here, the recommendation card information includes at least one of a phrase, an image, a sound, and a video requesting to issue each recommendation card, and an automatic response server for receiving a card issuance application from the user through the voice call network 325 ( It includes a communication number (eg, a phone number) of 320, or the address of the issuing application server 310 for receiving a card issuing application from the user through the data communication network 315.

Referring to Figure 1 according to an embodiment of the present invention, the program module 115, when issuance of the recommendation card is requested, through the voice call network 325 of the smart phone 100 of the recommendation card It is provided with a call channel connection unit 160 for connecting the voice call channel and the automatic response server 320 accepting the issuance application, and identifies the user through the dual tone multiple frequency (DTMF) signal of the voice call network 325 The card issuing request unit 170 for transmitting the information to identify the recommendation card and the automatic response server 320 may be further provided.

If the recommendation card information includes the communication number of the automatic response server 320 for receiving a card issuance request from the user through the voice call network 325 of the smart phone 100, the card issuing induction unit 155 When issuance of at least one recommendation card from the user is requested, the call channel connection unit 160 constructs a call connection signal including a communication number of the auto answering server 320 as a called number and the smart phone 100. It is sent through the voice call network 325, the automatic answering server 320 receives the call connection signal and connects the voice call channel between the smart phone 100 and the automatic answering server 320.

According to an exemplary embodiment of the present invention, a user inputs at least one key according to an auto answer message corresponding to an auto answer menu transmitted from the auto answer server 320 while the voice call channel is connected. The identification information and the information identifying the recommendation card are transmitted through a DTMF signal, and an application for issuing the recommendation card is received by the automatic response server 320 by the DTMF signal.

According to another exemplary embodiment of the present invention, the card issuing application unit 170 is configured to identify the user with the automatic answering server 320 through the DTMF signal of the voice call channel while the voice call channel is connected; Information for identifying the recommendation card may be automatically sent, and an application for issuing the recommendation card is received by the automatic response server 320 by the DTMF signal.

Here, the automatic response server 320 includes an automatic response server 320 of a card company, or an automatic response server 320 of an operator affiliated with one or more card companies. If the auto-response server 320 is provided to the operator, the auto-response server 320 relays the application for issuing the received recommendation card to the card company server 300.

Referring to Figure 1 according to another embodiment of the present invention, the program module 115, when issuance of the recommendation card is requested, through the data communication network 315 of the smart phone 100 of the recommendation card Issuance application server 310 for receiving the issuance application is provided with a communication channel connection unit 165 for connecting the data communication channel, the information identifying the user and the recommendation card through the data communication network 315 It may be further provided with a card issuing application unit 170 for transmitting to the issuing application server 310.

If the recommendation card information includes the address of the issuing application server 310 for receiving a card issuing application from the user through the data communication network 315, at least one recommendation card from the user through the card issuing induction unit 155 When the issuance of the request is made, the communication channel connection unit 165 connects a data communication channel with the issuing application server 310 using the address of the issuing application server 310 and agrees with the issuing application server 310. By maintaining the secure communication channel required for the card issuance application. Here, the secure communication channel means a communication channel for communication based on encryption and decryption.

According to an embodiment of the present invention, the card issuing application unit 170 outputs an interface for inputting at least one piece of information identifying the user (eg, a user's social security number) and information identifying the recommendation card, Information input through an interface is transmitted to the issuing application server 310 through the data communication network 315, whereby the issuing application server 310 issuing an application for issuing the recommendation card.

According to another embodiment of the present invention, the card issuing application unit 170 confirms the information identifying the user and the information identifying the recommendation card, and through the data communication network 315 the issuing application server ( Information for identifying the user and information for identifying the recommendation card may be automatically transmitted to 310, whereby an application for issuing the recommendation card is received by the issuing application server 310.

Here, the issuing application server 310 includes an issuing application server 310 of a card company, or an issuing application server 310 of an operator affiliated with one or more card companies. If the issuing application server 310 is provided in the operator, the issuing application server 310 relays the application for issuance of the received recommendation card to the card company server (300).

2 is a diagram illustrating an additional function configuration of the program module 115 according to the present invention.

In more detail, FIG. 2 illustrates a functional configuration commonly added to the program module 115 shown in FIG. 1, and provides incentive information to the user based on at least one keyword extracted from the payment history information. Or a functional configuration for recommending other products sold by the merchant to the user. FIG. 2 is omitted for simplicity, which is the same as the physical component of the smart phone 100 shown in FIG.

The program module 115 shown in FIG. 1 includes a settlement count calculator 200 for calculating a cumulative settlement count for each affiliate store, which counts the number of payment history within a certain validity period for each affiliate store based on the temporary keyword; An incentive acquisition unit 215 for acquiring incentive information corresponding to the cumulative number of payments for each affiliate store, and an incentive output unit 220 for outputting the incentive information in a predetermined region near the payment history information when the payment history information is output. ) Is further provided.

The payment count calculating unit 200 checks the temporary keyword and the affiliated store keyword included in the at least one piece of payment history information, and the payment details belonging to a valid period (for example, one day, one week, one month) specified based on the temporary keyword. After confirming the information, the number of payment history within the validity period is counted for each affiliated store based on the keyword of the affiliated store to calculate the cumulative settlement number for each affiliated store.

The incentive acquiring unit 215 may provide incentives (eg, discount coupons, points, stamps, free passes, etc.) based on at least one cumulative settlement number, and at least one cumulative amount of incentive information provided by each affiliate. Cumulative payment number information for identifying the number of payment section intervals and incentive information to be provided to the user corresponding to each cumulative payment number section is connected and stored in the memory unit 113. If the cumulative number of payments for each affiliate is calculated by the payment number calculator 200, the incentive acquisition unit 215 may provide an incentive to the user from the memory unit 113 based on the cumulative number of payments for each affiliate. Extract the information.

Meanwhile, if the affiliated store information, the cumulative settlement number information, and the incentive information are stored in the storage medium 425 on the communication network, the incentive acquisition unit 215 may store the storage medium 425 based on the merchant keyword and the accumulated settlement number for each affiliate store. Incentive information to be provided to the user.

After the incentive information is obtained, if the payment history information including the affiliate store keyword corresponding to the incentive information is output, the incentive output unit 220 outputs the incentive information in a predetermined region near the output payment history information. do. If an interface for instructing additional issuance of cards corresponding to n pieces of recommendation card information is output in a predetermined region near the payment history information, the incentive information is inherited from the additional issued card or the additional issued card. It is preferable to include incentive information through which the incentive range is extended.

The program module 115 shown in FIG. 1 includes a payment amount calculator 205 that calculates a cumulative payment amount for each affiliate store by adding up an amount keyword within a certain validity period identified based on the temporary keyword based on the affiliate store keyword. ), An incentive acquisition unit 215 for acquiring incentive information corresponding to the cumulative payment amount for each affiliate store, and an incentive output for outputting the incentive information to a predetermined region near the payment history information when the payment history information is output. The unit 220 is further provided.

The payment amount calculation unit 205 checks the temporary keyword, the amount keyword, and the affiliate store keyword included in the at least one piece of payment history information, checks the payment history information within the valid period designated based on the temporary keyword, and the affiliate store A cumulative settlement amount for each affiliate is calculated by summing keywords for the amount of money within the validity period for each affiliate based on the keyword.

The incentive acquisition unit 215 may include merchant information for providing incentive information according to at least one cumulative payment amount, cumulative payment amount information for identifying at least one cumulative payment amount section for providing incentive information at each merchant, and Corresponding incentive information to be provided to the user corresponding to the cumulative payment amount section is stored in the memory unit 113. If the cumulative settlement amount for each affiliate is calculated by the settlement amount calculator 205, the incentive acquisition unit 215 may provide an incentive to the user from the memory unit 113 based on the cumulative settlement amount for each affiliate. Extract the information.

Meanwhile, if the affiliated store information, the accumulated payment amount information, and the incentive information are stored in the storage medium 425 on the communication network, the incentive acquisition unit 215 may store the storage medium 425 based on the keyword of the affiliated store and the accumulated payment amount for each affiliate store. Incentive information to be provided to the user.

After the incentive information is obtained, if payment history information including affiliate store keyword corresponding to the incentive information is output, the incentive output unit 220 obtains the acquired incentive information in a predetermined region near the output of the payment history information. Outputs If an interface for instructing additional issuance of cards corresponding to n pieces of recommendation card information is output in a predetermined region near the payment history information, the incentive information is inherited from the additional issued card or the additional issued card. It is preferable to include incentive information through which the incentive range is extended.

The program module 115 shown in FIG. 1 includes a purchase count calculator 210 that calculates a cumulative number of purchases for each product that counts a product keyword within a certain validity period identified based on the temporary keyword based on each product category. ), An incentive acquisition unit 215 for acquiring incentive information corresponding to the cumulative number of purchases for each product, and if the payment history information is output, output incentive information for each purchase number in a predetermined region near the payment history information. Incentive output unit 220 is further provided.

The purchase count calculator 210 checks the temporary keyword, the product keyword, and the merchant keyword included in the at least one payment history information, checks the payment history information within the valid period specified based on the temporary keyword, After determining a product category that calculates the cumulative number of purchases based on the product keywords included in the payment history information within the period, the product keyword counts for each product category within the validity period based on each product category, and accumulates each product. Calculate the number of purchases.

The incentive acquiring unit 215 may include merchant information for providing incentives according to at least one cumulative number of purchases, reference product information for identifying a reference product for providing incentives based on the cumulative number of purchases at each merchant, and the reference. Cumulative purchase count information identifying at least one cumulative purchase count section for a product and incentive information to be provided to a user corresponding to each cumulative purchase count section are connected and stored in the memory unit 113. If the cumulative purchase count for each product is calculated by the purchase count calculator 210, the incentive obtainer 215 may provide an incentive to the user from the memory unit 113 based on the cumulative purchase count for each product. Extract the information.

Meanwhile, if the affiliated store information, the reference product information, the accumulated purchase count information, and the incentive information are stored in the storage medium 425 on the communication network, the incentive acquisition unit 215 may display the affiliate store keyword, the product keyword, and the accumulated purchase count for each product. Incentive information to be provided to the user may be received from the storage medium 425.

After the incentive information is obtained, if the payment history information including the product keyword corresponding to the incentive information is output, the incentive output unit 220 displays the acquired incentive information in a predetermined region near the output payment history information. Outputs If an interface for instructing additional issuance of cards corresponding to n pieces of recommendation card information is output in a predetermined region near the payment history information, the incentive information is inherited from the additional issued card or the additional issued card. It is preferable to include incentive information through which the incentive range is extended.

According to the present invention, the purchase count calculation unit 210 may further calculate the cumulative purchase count for each affiliate / product by classifying the cumulative purchase count for each product based on a merchant keyword. In this case, the incentive acquisition unit 215 ) May obtain incentive information corresponding to the cumulative number of purchases for each affiliate / product.

The purchase count calculator 210 checks the temporary keyword, the product keyword, and the merchant keyword included in the at least one payment history information, checks the payment history information within the valid period specified based on the temporary keyword, After determining a product category that calculates the cumulative number of purchases based on the product keywords included in the payment history information within the period, the number of the product keywords within the validity period is counted for each product category based on each product category, and the affiliate store The cumulative number of purchases for each affiliated store / product is calculated by classifying the counted number of product keywords based on the keyword for each affiliated store.

If the cumulative number of purchases for each affiliate / product is calculated by the purchase number calculator 210, the incentive acquisition unit 215 may store the user from the memory unit 113 based on the cumulative number of purchases for each affiliate / product. Extract incentive information to provide to

Meanwhile, if the affiliated store information, the reference product information, the cumulative purchase count information, and the incentive information are stored in the storage medium 425 on the communication network, the incentive acquisition unit 215 may accumulate the merchant keyword, the product keyword, and the cumulative purchase for each merchant / product. Incentive information to be provided to the user may be received from the storage medium 425 based on the number of times.

After the incentive information is obtained, if the payment history information including both the affiliate store keyword and the product keyword corresponding to the incentive information is output, the incentive output unit 220 displays the predetermined payment area in the vicinity of the output payment history information. Output the obtained incentive information. If an interface for instructing additional issuance of cards corresponding to n pieces of recommendation card information is output in a predetermined region near the payment history information, the incentive information is inherited from the additional issued card or the additional issued card. It is preferable to include incentive information through which the incentive range is extended.

The program module 115 shown in FIG. 1 is a product information acquisition unit 225 for acquiring one or more recommendation target product information matching the affiliate store keyword of the payment history information approved for payment based on the date and time keyword. And a recommendation product determination unit 230 for determining at least one recommendation product information associated with the product keyword from the obtained recommendation product information, and when the payment history information is output, the predetermined product region in the vicinity of the payment history information. A recommendation product output unit 235 for outputting the recommended product information is further provided.

The product information acquiring unit 225 may include reference product information for identifying a reference product for recommending at least one other product as a recommended product, merchant information for selling both the reference product and the recommended product, and the reference product. The recommendation product information identifying at least one recommendation product recommended based on the connection is stored in the memory unit 113. Here, the reference product and the recommended product include a product that can be linked-purchased among a plurality of products sold by the affiliated store. For example, if the reference product is "coffee", the recommended product includes "waffles" or "cakes" that can be eaten with the "coffee".

When the product information acquisition unit 225 outputs at least one piece of payment history information, the product information acquisition unit 225 checks the temporary keyword, the product keyword, and the merchant keyword from the output payment history information, and the payment history information is based on the temporary keyword. Make sure your payment includes approved payment details. If the output payment history information is payment settlement approved at the present time, the product information acquisition unit 225 includes reference product information and recommended product information matching the merchant keyword from the memory unit 113; Extract one or more recommended product information.

Meanwhile, if the affiliated store information, the reference product information, and the recommended product information are stored in the storage medium 425 on the communication network, the product information acquisition unit 225 may recommend one or more recommendations matching the affiliate store keyword from the storage medium 425. Target product information can be received.

When the recommendation target product information is obtained, the recommendation product determining unit 230 confirms reference product information matching the product keyword and recommends recommendation product information linked to the confirmed reference product information to the user. Determined by information.

When the recommended product information is determined, the recommended product output unit 235 outputs the obtained recommended product information to a predetermined region near the output payment history information to induce additional purchase of the user.

3 is a diagram illustrating a card issuance induction system configuration using a smart phone 100 according to an embodiment of the present invention.

In more detail, Figure 3 pushes payment history information from the card company server 300 or the operator server 305 through the data communication network 315 to the smart phone 100 shown in Figure 1 through the data communication network 315. When the smart phone 100 extracts at least one keyword included in the payment history information and transmits the card company server 300 or the operator server 305 on the communication network, the card company server 300 or the operator server ( If 305 determines and transmits the n recommendation card information through the card company that has issued the at least one card to the user, it can receive the information and induces the user to issue the n recommendation cards. When the user requests additional issuance of the n recommendation cards, the issuing application server 310 or the smart connected through the smart phone 100 and the data communication network 315 As a system configuration for receiving additional issuance for the n recommendation card through the answering machine 320 connected through the phone 100 and the voice call network 325, the general knowledge in the art Persons having the above may refer to and / or modify this drawing 3 to infer various implementation methods for the card issuing induction system (e.g., some components are omitted, subdivided, or combined). The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

The card company server 300 is a generic term for a server provided to a card company that issues a card to a user, and approves a card payment requested through online / offline, generates payment history information according to the payment approval, and generates the generated The payment history information may be pushed directly to the smartphone 100 or may be pushed to the smartphone 100 through the operator server 305.

The payment history information includes the merchant information requesting the payment, the date and time when the payment is approved, and the payment approved amount, and the product information may be added according to an implementation method. If product information is not added to the payment history information, a product keyword necessary for inducing card issuance or product recommendation may be derived from the merchant information.

When the card company server 300 directly pushes the payment history information to the smartphone 100, the card company server 300 to push the payment history information to the smartphone 100 to the data communication network 315 Allocate (or confirm) device identification information for identifying the smart phone 100 on ().

According to the embodiment of the present invention, the card company may produce the program module 115 shown in FIG. 1 and provide the same to the smart phone 100 through a designated program distribution system.

The operator server 305 is a generic term for a server provided to an operator that induces card issuance through the smartphone 100 in cooperation with one or more card companies, and receives payment details from the affiliated card company. Can be pushed to

In the case where the operator server 305 pushes the payment history information to the smartphone 100, the operator server 305 may push the payment history information to the smartphone 100 in order to push the payment history information to the smartphone 100. Allocate (or confirm) device identification information for identifying the smartphone 100 on the device.

According to the embodiment of the present invention, the operator may produce the program module 115 shown in FIG. 1 and provide it to the smart phone 100 through a designated program distribution system.

According to the present invention, the smart phone 100 (or program module 115) is the payment history information approved by the payment of any one server of the card company server 300 or the operating server through the data communication network 315 If one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword are extracted from the pushed payment history information, the extracted keyword is transmitted through the data communication network 315 to the card company server 300 or the operator server. After transmitting to 305, the card company server 300 or the operator server 305 receives n recommendation card information that can be additionally issued through a card company that is associated with the keyword and has issued at least one card to the user at the same time. After the payment history information is output, the n recommendation card information may correspond to a predetermined region near the payment history information. The output interface induced to issue additional cards.

If the user requests issuance of a card for at least one recommendation card among the n recommendation cards through the interface, the smartphone 100 sends the user to the issuance application server 310 through a data communication network 315. Information for identifying the user and information for identifying the recommendation card, or information for identifying the user and information for identifying the recommendation card to the automatic response server 320 through a DTMF signal of the voice call network 325. Send it out.

The issuing application server 310 or the auto-response server 320 is a general term for a server provided to the card company to receive a card issuing application, or a server provided to the operator to handle card issuing application of the card company.

When the information for identifying the user and the information for identifying the recommendation card are received by the issuing application server 310 or the automatic response server 320, the information for identifying the received user and the information for identifying the recommendation card are the same. The card is issued to the card issuing unit of the card company to issue the recommendation card, and the recommendation card is issued according to the card issuing procedure of each card company. At this time, the card company is limited to the card issuer that issued at least one card to the user, and thus the user can issue the card without receiving a separate paper application form to the card company.

4 is a diagram illustrating a configuration of a card company server 300 or an operator server 305 according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a configuration of a card company server 300 or an operator server 305 that operates in conjunction with the program module 115 of the smart phone 100 illustrated in FIGS. 1 to 2.

According to the present invention, the card company server 300 or the operator server 305 is provided with a server operating unit 400 for performing a unique function of each server. If the server configuration shown in FIG. 4 is provided in the card company server 300, the server operating unit 400 performs basic functions (eg, payment approval, payment history generation, etc.) of the card company server 300. Alternatively, if the server configuration shown in FIG. 4 is provided in the operator server 305, the server operator 400 performs the basic functions of the operator server 305 (eg, interworking with the card company server 300).

According to the present invention, the card company server 300 or the operator server 305 stores the card issuer information of the user who issued at least one card to the user, and the plurality of recommendation card information that can be issued to the user; A storage medium 425 is provided to connect and store card company information for issuing each recommendation card and recommendation keywords for each recommendation card, or interwork with a server having the storage medium 425 through a communication network.

Referring to FIG. 4, the card company server 300 or the operator server 305 stores an issuer information of the user who issued at least one card to the user in the storage medium 425. If the card company server 300 or the operator server 305 is a specific card company server 300, the issuer storage unit 405 is omitted.

When the card company server 300 or the operator server 305 is an operator server 305 associated with one or more card companies, the issuer storage unit 405 is the smart phone 100 shown in FIGS. After receiving the user information and card company information through the data communication network of 315, and transmits the received user information to the card company server 300 corresponding to the card company information to authenticate the card issuing state of the user, the card The card company information whose issuance status is authenticated is determined as card issuer information of the user who issued at least one card to the user and stored in the storage medium 425.

Alternatively, the issuer storage unit 405 receives card information, card company information and user information through the data communication network 315 of the smart phone 100 shown in FIGS. 1 to 2, and receives the received user information. And transmits the card information to the card company server 300 corresponding to the card company information to authenticate the card issuing state for the card information, and issues at least one card to the user with the card company information whose card issuing state is authenticated. The card issuer information of the user may be determined and stored in the storage medium 425.

Referring to FIG. 4, the card company server 300 or the operator server 305 connects a plurality of recommendation card information that can be issued to the user, card company information to issue each recommendation card, and recommendation keywords for each recommendation card. A recommendation card storage unit 410 is stored in the storage medium 425.

The recommendation card storage unit 410 receives a plurality of recommendation card information that can be issued through a corresponding card company from one or more card company servers 300 affiliated with each other, and connects the card company information providing the recommendation card information with the recommendation card information. And store in the storage medium 425.

In addition, the recommendation card storage unit 410 reads the card description data included in the recommendation card information, or by reading the card description data for each recommendation card registered in the card company server 300, one for each recommendation card The recommendation keyword is determined, and the recommendation card information and the recommendation keyword are concatenated and stored in the storage medium 425. For example, the card description data includes a word identifying a discount affiliated store, a product, or a service associated with the recommendation card, and the recommendation card storage unit 410 determines one or more recommendation keywords from the words.

Referring to FIG. 4, the card company server 300 or the operator server 305 may provide at least one to the program module 115 shown in FIG. 2 based on at least one keyword included in the payment history information. An incentive storage unit 415 for storing incentive information of the smart phone 100 (or the program module 115) shown in FIG. 2. It may further include an information transmitter 445 for transmitting to the phone 100.

According to one embodiment of the invention, the incentive storage unit 415 is a merchant information for providing an incentive (for example, discount coupons, points, stamps, free tickets, etc.) according to at least one cumulative number of payments, and at each merchant Cumulative settlement number information for identifying at least one cumulative settlement number interval for providing incentive information and incentive information to be provided to a user corresponding to each cumulative settlement number interval are stored in the storage medium 425. If the cumulative payment number for each affiliate is received through the data communication network 315 of the smart phone 100 (or the program module 115) illustrated in FIG. 2, the information transmitter 445 may accumulate the payment for each affiliate store. Based on the number of times, incentive information to be provided to the user from the storage medium 425 may be extracted and transmitted to the smart phone 100 through the data communication network 315.

According to another exemplary embodiment of the present invention, the incentive storage unit 415 may include merchant information for providing incentive information according to at least one cumulative payment amount, and at least one cumulative payment amount period for providing incentive information at each merchant. Cumulative payment amount information for identifying the and incentive information to be provided to the user corresponding to each cumulative payment amount section is stored in the storage medium 425. If the accumulated payment amount for each affiliate is received through the data communication network 315 of the smart phone 100 (or the program module 115) shown in FIG. 2, the information transmitter 445 accumulates the accumulated payment for each affiliate store. Incentive information to be provided to the user may be extracted from the storage medium 425 based on the amount and transmitted to the smart phone 100 through the data communication network 315.

According to another exemplary embodiment of the present invention, the incentive storage unit 415 may provide merchants providing incentives according to at least one cumulative number of purchases, and criteria for providing incentives based on the accumulated number of purchases at each merchant. A storage medium by linking reference product information for identifying a product, cumulative purchase count information for identifying at least one cumulative purchase count section for the reference product, and incentive information to be provided to a user corresponding to each cumulative purchase count section; 425). If the cumulative purchase count for each product is calculated through the data communication network 315 of the smart phone 100 (or the program module 115) illustrated in FIG. 2, the information transmitter 445 may accumulate the purchase for each product. Based on the number of times, incentive information to be provided to the user from the storage medium 425 may be extracted and transmitted to the smart phone 100 through the data communication network 315.

Alternatively, when a cumulative number of purchases for each affiliate / product is received through the data communication network 315 of the smart phone 100 (or the program module 115) illustrated in FIG. 2, the information transmission unit 445 may call the affiliate / store. Incentive information to be provided to the user may be extracted from the storage medium 425 based on the cumulative number of purchases for each product and transmitted to the smart phone 100 through the data communication network 315.

Referring to FIG. 4, the card company server 300 or the operator server 305 may provide at least one to the program module 115 shown in FIG. 2 based on at least one keyword included in the payment history information. A recommended product storage unit 420 for storing the recommended product information of the storage medium 425, and the stored recommendation card information of the smartphone 100 (or the program module 115) shown in FIG. 2. It may further include an information transmission unit 445 for transmitting to the smart phone 100.

The recommendation product storage unit 420 may include reference product information for identifying a reference product for recommending at least one other product as a recommended product, merchant information for selling both the reference product and the recommended product, and the reference product. The recommendation product information identifying at least one recommendation product recommended based on the connection is stored in the storage medium 425. Here, the reference product and the recommended product include a product that can be linked-purchased among a plurality of products sold by the affiliated store.

If the merchant keyword and the product keyword including the payment history approved at the present time through the data communication network 315 of the smart phone 100 (or the program module 115) shown in FIG. The transmission unit 445 extracts, from the storage medium 425, the recommendation product information connected to the affiliate store information matching the affiliate store keyword and the reference product information matching the product keyword and the smart phone through the data communication network 315. 100 can be sent.

Referring to FIG. 4, the card company server 300 or the operator server 305 is a merchant keyword or temporary keyword extracted from payment history information through the data communication network 315 of the smartphone 100 shown in FIG. 1. Issuing additionally through a keyword receiving unit 430 for receiving at least one keyword among an amount keyword and a product keyword, and a card company that has issued at least one card to the user among N (N≥1) cards associated with the received keyword. A recommendation card determining unit 435 for determining possible n (1 ≦ n ≦ N) recommendation card information, and transmitting the determined n recommendation card information to the smartphone 100 through the data communication network 315. The recommendation card transmission unit 440 is provided.

The program module 115 of the smartphone 100 shown in FIG. 1 extracts one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword from the payment history information pushed to the smartphone 100. The keyword receiver 430 receives one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword extracted from the payment history information through the data communication network 315. .

When one or more keywords extracted from the payment history information are received, the recommendation card determining unit 435 is associated with the received keywords from the storage medium 425 and selects a card company that has issued at least one card to the user. Determine the n recommendation cards satisfying all of the additional issuable conditions, and check the n recommendation card information for inducing the user to issue at least one recommendation card among the n recommendation cards, and the recommendation card transmission unit 440 transmits the n recommendation card information to the smartphone 100 through the data communication network 315.

5 is a diagram illustrating a card registration process of the program module 115 according to the embodiment of the present invention.

In more detail, in FIG. 5, after the program module 115 illustrated in FIGS. 1 to 2 is downloaded to the user's smart phone 100, device identification information is assigned to the program module 115 and the device is assigned. The process of registering a user's card on the card company server 300 or the operator server 305 based on the identification information, and if the person skilled in the art to which the present invention pertains, refer to FIG. And / or may be modified to infer various implementation methods for the card registration process (e.g., implementation steps with some steps omitted or reordered), but the present invention includes all implementation methods inferred. However, the technical features are not limited only to the implementation method illustrated in FIG. 5.

Referring to FIG. 5, the device identification processing unit 120 of the program module 115 illustrated in FIG. 1 may identify a device for identifying the smartphone 100 (or the program module 115) on the data communication network 315. Receive and store the information (500). The device identification information may be received according to the APNS standard, or may be received by being assigned by the card company server 300 or the operator server 305. As a result, the card company server 300 or the operator server 305 may receive the data. The device identification information (eg, token, phone number, address, etc.) uniquely identifying the smart phone 100 (or the program module 115) may be maintained and verified on the communication network 315.

The interface output unit 125 outputs an interface for inputting information for registering a card issued to a user from at least one card company to the card company server 300 or the operator server 305 through a data communication network 315. (505).

If the information necessary for the card registration is input through the interface (510), the user card registration unit 130 is the input information to the card company server 300 or the operator server 305 through the data communication network 315 The card is registered by transmitting a card (515).

If the card registration is completed (520), the program module 115 may perform the process shown in FIG. Meanwhile, when the program module 115 is provided by a specific card company or receives only payment details of a specific card company, the card registration process may be omitted.

6 is a view showing a payment history providing process according to an embodiment of the present invention.

In more detail, FIG. 6 pushes payment history information approved through a user's card or includes it in a text message from the card company server 300 shown in FIG. 3 to the program module 115 shown in FIG. As illustrated in FIG. 6, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention, and various implementation methods (eg, some steps may be performed) for the process of providing the payment details. The method may be omitted or the order may be changed.), But the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 6, when the payment through the card issued to the user is approved (600), the card company server 300 registers the card (or user) for which the payment approved card (or user) is provided for payment details. Check whether it is (605).

If the payment details are provided (610), the card company server 300 checks the device identification information identifying the smartphone 100 (or the program module 115) to be pushed to the payment history information (615). The device identification information may be confirmed through the process illustrated in FIG. 5.

If the device identification information is not confirmed (620), the card company server 300 includes the payment history information in the text message and processes the transmission to the smartphone 100 through the voice call network 325 (625).

On the other hand, if the device identification information is confirmed (620), the card company server 300 is the payment to the smart phone 100 (or program module 115) through the data communication network 315 based on the device identification information The history information is pushed (630).

7 is a view showing a payment history providing process according to another embodiment of the present invention.

In more detail, FIG. 7 pushes payment history information approved for payment through a user's card or includes it in a text message from the operator server 305 shown in FIG. 3 to the program module 115 shown in FIG. As illustrated in FIG. 7, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 7 to perform various payment methods (eg, some steps) for the process of providing the payment details. The method may be omitted or the order may be changed). However, the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 7, the card company server 300, when the payment through the card issued to the user is approved (700), the card (or user) registered the payment approved card (or user) to provide payment details Check whether it is (705).

If the payment details are provided (710), the card company server 300 transmits the card information (or user information) and payment history information to the associated operator server 305 (715), the operator server 305 is The device identification information identifying the smartphone 100 (or the program module 115) to be pushed out the payment history information is checked (720). The device identification information may be confirmed through the process illustrated in FIG. 5.

If the device identification information is not confirmed (725), the operator server 305 includes the payment history information in the text message is sent to the smartphone 100 via the voice call network 325 (730).

On the other hand, if the device identification information is confirmed (725), the operator server 305 is the payment to the smart phone 100 (or program module 115) through the data communication network 315 based on the device identification information The history information is pushed (735).

8 is a diagram illustrating a card issuing induction process using a smart phone 100 according to an embodiment of the present invention.

In more detail, FIG. 8 is a payment process through the process shown in FIG. 6 or 7 from the card company server 300 or the operator server 305 shown in FIG. 3 in the program module 115 shown in FIG. After receiving the push information, when one or more keywords are extracted from the payment history information, at least one card is issued to the user while being associated with the keywords from the card company server 300 or the operator server 305 based on this. Receive n additional recommendation card information that can be additionally issued through one card company, and induce to issue additional cards corresponding to the n recommendation card information in a predetermined region near the payment history information when the payment history information is outputted. As a process of outputting an interface, a person having ordinary skill in the art to which the present invention pertains, By referring to and / or modifying page 8, it is possible to infer various implementation methods (e.g., implementation steps for which some steps have been omitted or changed in order) for the card issuance induction process, but the present invention is directed to all implementations inferred from the above. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the payment history receiver 135 of the program module 115 pushes payment history information from the card company server 300 or the operator server 305 shown in FIG. 3 through the data communication network 315. Check if it is (800).

If the payment history information is pushed (805), the payment history receiver 135 receives and stores the payment history information pushed through the data communication network 315 (810), and the keyword extraction unit 140 is the One or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword are extracted from the pushed payment history information (815).

The keyword transmission unit 145 is one or more keywords extracted from the payment history information to at least one of the card company server 300 or the operator server 305 for storing a plurality of recommended card information through the data communication network 315 Transmit (820).

The card company server 300 or the operator server 305 receives one or more keywords extracted from the payment history information through the data communication network 315 (825), and transmits to the user among the N cards associated with the received keywords. In operation 830, the n recommendation card information that may be additionally issued may be determined through the card company that issued the at least one card.

If the n recommendation card information is determined (835), the card company server 300 or the operator server 305 transmits the n recommendation card information to the smartphone 100 through a data communication network 315. In operation 840, the recommendation card receiving unit 150 of the program module 115 included in the smartphone 100 receives the n recommendation card information through the data communication network 315 (845).

The card issuing induction unit 155 checks whether the push payment history information is output (850). If the payment history information is output (855), the card issuing induction unit 155 outputs an interface for inducing additional issuance of cards corresponding to the n pieces of recommendation card information in a predetermined region near the payment history information ( 860).

9 is a diagram illustrating an incentive providing process through payment history according to the first embodiment of the present invention.

In more detail, Figure 9 shows the payment history pushed from the card company server 300 or the operator server 305 shown in Figure 3 through the process shown in Figure 8 in the program module 115 shown in Figure 2 The process of acquiring incentive information corresponding to the cumulative settlement number based on the information and outputting the incentive information together with the payment history information is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or may be modified to infer various implementation methods for the incentive provision process (e.g., implementation steps in which some steps are omitted or reordered), but the present invention includes all implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG. 9.

Referring to FIG. 9, when payment details are pushed through the process illustrated in FIG. 8, the payment count calculator 200 extracts a temporary keyword and an affiliate store keyword from the payment history information (900), and the temporary keyword. Based on the merchant keyword, and calculates the cumulative settlement number for each merchant that counted the number of payment history within a certain validity period for each merchant (905). The incentive obtaining unit 215 obtains incentive information corresponding to the cumulative number of payments for each affiliate store from the memory unit 113 or the storage medium 425 on the communication network (910), and the incentive output unit 220 pushes the push. Check whether the payment information is output (915).

If the payment history information is output (920), the incentive output unit 220 outputs incentive information corresponding to the cumulative payment number for each affiliate store in a predetermined region near the payment history information (925). Incentive information corresponding to the cumulative settlement number for each affiliated store is preferably inherited with the n additional recommendation cards.

10 is a diagram illustrating an incentive providing process through payment history according to a second embodiment of the present invention.

More specifically, FIG. 10 shows the payment history pushed from the card company server 300 or the operator server 305 shown in FIG. 3 through the process shown in FIG. 8 in the program module 115 shown in FIG. A process of acquiring incentive information corresponding to a cumulative payment amount based on the information and outputting the incentive information together with the payment history information is described. And / or may be modified to infer various implementation methods for the incentive provision process (e.g., implementation steps in which some steps are omitted or reordered), but the present invention includes all implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG. 10.

Referring to FIG. 10, when payment details are pushed through the process illustrated in FIG. 8, the payment amount calculator 205 extracts a temporary keyword, an amount keyword, and a merchant keyword from the payment history information (1000). Based on the temporary keyword, the amount keyword, and the affiliate keyword, a cumulative settlement amount for each affiliate store is calculated by summing the amount keywords within a certain validity period for each affiliate store (1005). The incentive obtaining unit 215 obtains incentive information corresponding to the cumulative payment amount for each affiliate store from the memory unit 113 or the storage medium 425 on the communication network (1010), and the incentive output unit 220 pushes the push. Check whether the payment information is output (1015).

If the payment history information is output (1020), the incentive output unit 220 outputs incentive information corresponding to the cumulative payment amount for each affiliate in a predetermined region near the payment history information (1025). Incentive information corresponding to the cumulative payment amount for each affiliated store is preferably inherited with the n additional recommendation cards.

11 is a diagram illustrating a process of providing an incentive through payment history according to a third embodiment of the present invention.

In more detail, FIG. 11 shows the payment history pushed from the card company server 300 or the operator server 305 shown in FIG. 3 through the process shown in FIG. 8 in the program module 115 shown in FIG. A process of acquiring incentive information corresponding to a cumulative number of purchases based on the information and outputting the incentive information together with the payment history information is provided. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or may be modified to infer various implementation methods for the incentive provision process (e.g., implementation steps in which some steps are omitted or reordered), but the present invention includes all implementation methods inferred However, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 11, when payment details are pushed through the process illustrated in FIG. 8, the purchase count calculator 210 extracts a temporary keyword and a product keyword from the payment details information (1100). And a cumulative number of purchases for each product in which product keywords within a predetermined validity period are counted based on each product category, based on the product keywords (1105). The incentive acquisition unit 215 obtains incentive information corresponding to the cumulative number of purchases per product from the memory unit 113 or the storage medium 425 on the communication network (1110), and the incentive output unit 220 pushes the push. Check whether the payment information is output (1115).

If the payment history information is output (1120), the incentive output unit 220 outputs incentive information corresponding to the cumulative number of purchases of the product in a predetermined region near the payment history information (1125). Incentive information corresponding to the cumulative number of purchases for each product is preferably inherited with the n additional recommendation cards.

12 is a diagram illustrating an incentive providing process through payment history according to a fourth embodiment of the present invention.

12 shows details of payments pushed from the card company server 300 or the operator server 305 shown in FIG. 3 through the process shown in FIG. 8 in the program module 115 shown in FIG. The process of acquiring incentive information corresponding to the cumulative number of purchases of a specific product for each merchant based on the information and outputting the incentive information together with the payment details information is provided. Although various implementation methods (eg, some steps may be omitted or reordered) may be inferred for the incentive provision process by referring to and / or modifying FIG. 12, the present invention may infer all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the embodiment shown in FIG.

Referring to FIG. 12, when payment details are pushed through the process illustrated in FIG. 8, the purchase count calculator 210 extracts a temporary keyword, a product keyword, and a merchant keyword from the payment history information (1200). On the basis of the temporary keyword, the product keyword, and the affiliate keyword, a cumulative number of purchases for each affiliate / product in which the product keyword and the affiliate keyword are counted for each affiliate based on each product category is calculated (1205). The incentive acquisition unit 215 obtains incentive information corresponding to the cumulative number of purchases for each affiliated store / product from the storage unit 425 on the memory unit 113 or the communication network (1210), and the incentive output unit 220 In operation 1215, it is determined whether the pushed payment history information is output.

If the payment history information is output (1220), the incentive output unit 220 outputs incentive information corresponding to the cumulative number of purchases for each affiliate / product in a predetermined region near the payment history information (1225). Incentive information corresponding to the cumulative number of purchases for each affiliated store / product is preferably inherited with the n additional recommendation cards.

13 is a view showing a product recommendation process through the payment history according to the embodiment of the present invention.

More specifically, FIG. 13 shows the payment history pushed from the card company server 300 or the operator server 305 shown in FIG. 3 through the process shown in FIG. 8 in the program module 115 shown in FIG. A process of acquiring at least one recommendation product information based on the information and outputting the information together with the payment history information. If the person of ordinary skill in the art belongs to the present invention, refer to FIG. It may be modified to infer various implementation methods (e.g., implementation steps with some steps omitted or reordered) for the product recommendation process, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 13, when payment details are pushed through the process illustrated in FIG. 8, the product information acquisition unit 225 extracts the temporary keyword, the affiliate store keyword, and the product keyword from the payment history information (1300). On the basis of the date and time keyword, the payment history information is checked whether payment is approved at the present time (1305).

If the payment history information is payment settlement approved at the present time (1310), the product information acquisition unit 225 is one or more recommended product information (for example, reference product information and the reference product) matching the merchant keyword The recommended product information associated with the information) is obtained (1315), and the recommended product determiner 230 determines at least one recommended product information associated with the product keyword among the obtained recommended product information (1320).

The recommended product output unit 235 checks whether the pushed payment history information is output (1325), and if the payment history information is output (1330), the recommended product output unit 235 of the payment history information. The recommended product information is output to a nearby predetermined region (1325).

14 is a diagram illustrating a card issuing application acceptance process according to an embodiment of the present invention.

In more detail, in FIG. 14, in the program module 115 illustrated in FIG. 1, a request for issuance of the recommendation card may be applied for the information identifying the user and the recommendation card through the DTMF signal of the voice call network 325. As shown in the process of sending to the receiving automatic response server 320, if the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified this figure 14 for the card issuance application acceptance process Various implementation methods may be inferred (e.g., some steps may be omitted, or the order may be changed). However, the present invention includes all the implementation methods inferred, and only the implementation method illustrated in FIG. The technical features are not limited.

Referring to FIG. 14, after the interface for inducing additional issuance of cards corresponding to the n pieces of recommendation card information is output through the process illustrated in FIG. 8, the card issuing induction unit 155 is provided from the user through the interface. In operation 1400, it is checked whether a card issuance is requested for the recommendation card. If the card issuance is requested for the recommendation card (1405), the call channel connection unit 160 receives the request for issuance of the recommendation card via the voice call network 325 and the voice call channel Connect (1410).

If the voice call channel is connected (1415), the card issuing application unit 170 automatically responds to the information identifying the user and the recommendation card through the DTMF signal of the voice call network 325. The server 320 transmits the data to the server 320 (1420). Here, the information identifying the user may include the resident registration number (or part of the resident registration number) of the user, or may include card information (or part of the card information) previously issued to the user by the card company that issues the recommendation card. Can be. The information identifying the recommendation card includes a card identifier included in the recommendation card information.

15 is a diagram illustrating a card issuing application acceptance process according to another embodiment of the present invention.

In more detail, FIG. 15 is an application for issuing an application for issuing the recommendation card with information identifying a user and a recommendation card through the data communication network 315 in the program module 115 shown in FIG. As shown in the process of sending to the server 310, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the card issuing application acceptance process by referring to and / or modified in this figure 15 ( For example, some steps may be omitted, or the order of implementation may be changed). However, the present invention includes all the implementation methods inferred, and the technical features may be modified only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 15, after an interface for inducing to issue additional cards corresponding to n pieces of recommendation card information is output through the process illustrated in FIG. 8, the card issuing induction unit 155 may receive information from the user through the interface. It is checked whether a card issuance is requested for the recommendation card (1500). If a card issuance is requested for the recommendation card (1505), the communication channel connection unit 165 establishes a data communication channel with an issuing application server 310 that receives an application for issuing the recommendation card through a data communication network 315. Connect (1510).

If the data communication channel is connected (1515), the card issuing application unit 170 receives the information identifying the user and the recommendation card through the data communication network 315 to the issuing application server 310 It sends to (1520). Here, the information identifying the user may include the resident registration number (or part of the resident registration number) of the user, or may include card information (or part of the card information) previously issued to the user by the card company that issues the recommendation card. Can be. If the smart phone 100 is provided with the public certificate of the user, the information identifying the user may include information (or information encrypted through the public certificate) of the public certificate. The information identifying the recommendation card includes a card identifier included in the recommendation card information.

100: smartphone 115: program module
120: device identification processing unit 125: interface output unit
130: user card register 135: payment history receiver
140: keyword extraction unit 145: keyword transmission unit
150: recommendation card receiving unit 155: card issuing induction unit
160: communication channel connection unit 165: communication channel connection unit
170: card issuing application unit 200: payment number calculation unit
205: payment amount calculation unit 210: purchase count calculation unit
215: incentive acquisition unit 220: incentive output unit
225: product information acquisition unit 230: recommended product determination unit
235: recommended product output unit 300: card company server
305: operator server 310: issuing application server
315: data communication network 320: automatic response server
325: voice call network

Claims (46)

A smartphone that can communicate with a server that stores a plurality of recommended card information,
A payment history receiver configured to push payment history information approved for payment using a user's card through a data communication network of the smart phone;
A keyword extracting unit extracting one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword from the pushed payment history information;
A keyword transmitter to transmit the extracted keyword to the server through a data communication network of the smartphone;
A recommendation card receiving unit for receiving n (1 ≦ n ≦ N) recommendation card information from the server, which may be additionally issued through a card company that has issued at least one card to the user among N (N ≧ 1) cards associated with the keyword. ; And
And a card issuing induction unit for outputting an interface for inducing to issue an additional card corresponding to the n pieces of recommendation card information in a predetermined region near the payment history information when the payment history information is output. pawn.
The method of claim 1,
An interface output unit configured to output an interface for inputting card company information and user information for issuing at least one card to the user; And
And a user card registration unit which transmits the user information to a card company server corresponding to the card company information through the data communication network when the information is input through the interface.
The card company server,
Confirming device identification information for identifying the smartphone (or a program module of the smartphone), checking card information issued to the user based on the user information, and then connecting and storing the device identification information and the card information. Smartphone, characterized in that.
The method of claim 1,
An interface output unit configured to output an interface for inputting card company information and user information for issuing at least one card to the user; And
And a user card registration unit for transmitting the card company information and the user information to the operator server through the data communication network when the information is input through the interface.
The operator server,
Confirming device identification information identifying the smartphone (or a program module of the smartphone), receiving the at least one card information issued to the user by transmitting the user information to a card company server corresponding to the card company information, Smart phone, characterized in that the card information (or user information) and the card company information and device identification information to connect and store.
The method of claim 1,
An interface output unit configured to output an interface for inputting card information, card company information, and user information issued to the user; And
And a user card registration unit for transmitting the card information, card company information, and user information to an operator server through the data communication network when the information is input through the interface.
The operator server,
After confirming device identification information identifying the smartphone (or program module of the smartphone), and transmitting the user information and card information to the card company server corresponding to the card company information to authenticate the card issuing status for the user Smart phone, characterized in that to connect and store the authentication card information (or user information) and card company information and device identification information.
The method of claim 1,
A settlement count calculator configured to calculate a cumulative settlement count for each affiliate store, which counts the number of payment history within a predetermined validity period for each affiliate store based on the temporary keyword;
An incentive acquisition unit for acquiring incentive information corresponding to the cumulative number of payments for each affiliate store; And
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
The method of claim 1,
A payment amount calculating unit configured to calculate a cumulative payment amount for each affiliate store by adding up an amount keyword within a certain validity period identified based on the temporary keyword based on the affiliate store keyword;
An incentive acquisition unit for acquiring incentive information corresponding to the cumulative payment amount for each affiliate store; And
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
The method of claim 1,
A purchase count calculator configured to calculate a cumulative purchase count for each product in which product keywords within a predetermined validity period identified based on the temporary keyword are counted based on each product category;
An incentive acquisition unit for acquiring incentive information corresponding to the cumulative number of purchases for each product; And
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
The method of claim 1,
A purchase count calculation unit configured to calculate a cumulative number of purchases for each affiliated store / product that counts a product keyword within a predetermined validity period identified based on the temporary keyword based on each product category for each affiliate store corresponding to the affiliate store keyword;
An incentive acquisition unit for acquiring incentive information corresponding to the cumulative number of purchases for each affiliated store / product; And
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
The method of claim 1,
A product information obtaining unit obtaining one or more recommendation target product information matching the affiliate store keyword of the payment history information approved for payment based on the temporary keyword;
A recommendation product determining unit to determine at least one recommendation product information associated with the product keyword from the obtained recommendation product information; And
When the payment history information is output, the recommended product output unit for outputting the recommended product information in a predetermined region near the payment history information; smart phone characterized in that it further comprises.
The method of claim 1,
When the issuance of the recommendation card is requested, the smart phone characterized in that it further comprises a call channel connection unit for connecting the voice call channel and the automatic answering server for accepting the application for issuance of the recommendation card through the voice call network of the smart phone; pawn.
The method of claim 1,
Information for identifying the user through a DTMF (Dual Tone Multiple Frequency) signal of the voice call network when the voice call channel is connected to an automatic answering server that accepts the application for issuing the recommendation card through the voice call network of the smart phone. And a card issuing application unit for transmitting the information identifying the recommendation card to the automatic response server.
The method of claim 1,
When the issuance of the recommendation card is requested, the smart phone, characterized in that further comprising a communication channel connection for connecting the data communication channel and the issuing application server for accepting the issuance of the recommendation card through the data communication network of the smart phone; .
The method of claim 1,
When a data communication channel and an issuing application server that receives an application for issuance of the recommendation card are connected through the data communication network of the smart phone, the issuing information for identifying the user and the information for identifying the recommendation card are provided through the data communication network. Smartphone, characterized in that further comprises a card issuance application unit to send to the application server.
The method of claim 1,
And a device identification processor for receiving and storing device identification information for identifying the smartphone (or a program module of the smartphone) in order to receive the payment history information through the data communication network.
The method of claim 1, wherein the merchant keyword is:
Smartphones comprising at least one of a merchant name keyword and a merchant location identification keyword.
The method of claim 1, wherein the server,
Server of card company that issued at least one card to the user, or
Smart phone, characterized in that the server of the operator associated with the card company issuing at least one card to the user.
In the card issuance induction system using a smartphone of the server that can be connected to the user's smartphone through a data communication network,
A keyword receiving unit which receives one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword extracted from payment history information held in the smartphone through the data communication network;
A recommendation card determination unit for determining n (1 ≦ n ≦ N) recommendation card information that can be further issued through a card company that has issued at least one card to the user among N (N ≧ 1) cards associated with the received keyword. ; And
And a recommendation card transmission unit for transmitting the determined n recommendation card information to the smartphone through the data communication network.
In the smartphone,
When the payment history information output, the card issuance induction system using a smart phone, characterized in that for outputting the interface for inducing additional issuance of the card corresponding to the n pieces of recommendation card information in a predetermined region of the payment history information.
18. The method of claim 17,
Card issuing guidance system using a smart phone, characterized in that further comprising an issuer storage for storing the user's card issuer information that issued the at least one card to the user in a storage medium.
18. The method of claim 17,
Using a smart phone characterized in that it further comprises a recommendation card storage unit for storing in the storage medium by connecting a plurality of recommendation card information that can be issued to the user, card company information to issue each recommendation card and recommendation keywords for each recommendation card Card issuance induction system.
18. The method of claim 17,
Merchant information for providing incentives according to at least one cumulative payment count, cumulative payment count information for identifying at least one cumulative payment count section for providing incentive information at each merchant, and corresponding to each cumulative payment count section. An incentive storage unit for connecting incentive information to be provided and storing the incentive information in a storage medium; And
When the cumulative payment number for each affiliate store is received through the data communication network, an information transmitting unit for extracting incentive information corresponding to the cumulative payment number for each affiliate store from the storage medium to transmit to the smartphone through the data communication network; Card issuance induction system using a smartphone, characterized in that made.
18. The method of claim 17,
Merchant information for providing incentive information according to at least one cumulative payment amount, cumulative payment amount information for identifying at least one cumulative payment amount section for providing incentive information at each merchant, and a user corresponding to each cumulative payment amount section. An incentive storage unit for connecting to the incentive information to be provided to the storage medium; And
When the cumulative payment amount for each affiliate store is received through the data communication network, an information transmitting unit for extracting incentive information corresponding to the cumulative payment amount for each affiliate store from the storage medium to transmit to the smartphone through the data communication network; Card issuance induction system using a smartphone, characterized in that made.
18. The method of claim 17,
Merchant information providing incentives according to at least one cumulative number of purchases; reference product information identifying a reference product for providing incentives based on the cumulative number of purchases at each merchant; and at least one cumulative purchase of the reference product. An incentive storage unit which connects the cumulative purchase count information for identifying the count interval and the incentive information to be provided to the user in correspondence with each accumulated purchase count period and stores the accumulated purchase count information in a storage medium; And
When the cumulative number of purchases for each product is received through the data communication network, the information transmission unit for extracting incentive information corresponding to the cumulative number of purchases for each product from the storage medium to transmit to the smart phone via the data communication network; Card issuance induction system using a smartphone, characterized in that made.
18. The method of claim 17,
Identifying reference product information identifying a reference product recommending at least one other product as a recommended product, merchant information selling both the reference product and the recommended product, and identifying at least one recommended product based on the reference product A recommendation product storage unit for connecting the recommended product information to be stored in a storage medium; And
If the merchant keyword and the product keyword including the payment history approved at the present time through the data communication network are received, the merchant connected to the merchant information matching the merchant keyword and the reference product information matching the product keyword from the storage medium The card issuing guidance system using a smart phone, characterized in that it further comprises; information transmission unit for extracting the product information and transmitting to the smart phone via the data communication network.
In the card issuing method of the smartphone that can communicate with a server that stores a plurality of recommendation card information,
Pushing payment information of payment approved using a user's card through a data communication network of the smart phone;
Extracting one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword from the pushed payment history information;
Transmitting the extracted keyword to the server through a data communication network of the smartphone;
Receiving n (1 ≦ n ≦ N) recommendation card information from the server, which may be further issued through a card company that has issued at least one card to the user among N (N ≧ 1) cards associated with the keyword; And
And outputting an interface for inducing additional issuance of cards corresponding to the n pieces of recommendation card information in a predetermined region near the payment history information when the payment history information is output. How to induce card issuance.
25. The method of claim 24,
Outputting an interface for inputting card company information and user information for issuing at least one card to the user; And
If the information is input through the interface, transmitting the user information to the card company server corresponding to the card company information through the data communication network;
The card company server,
Confirming device identification information for identifying the smartphone (or a program module of the smartphone), checking card information issued to the user based on the user information, and then connecting and storing the device identification information and the card information. Card issuance induction method using a smart phone, characterized in that.
25. The method of claim 24,
Outputting an interface for inputting card company information and user information for issuing at least one card to the user; And
When the information is input through the interface, transmitting the card company information and the user information to the operator server through the data communication network;
The operator server,
Confirming device identification information identifying the smartphone (or a program module of the smartphone), receiving the at least one card information issued to the user by transmitting the user information to a card company server corresponding to the card company information, Method of inducing card issuance using a smart phone, characterized in that the card information (or user information) and card company information and device identification information is connected and stored.
25. The method of claim 24,
Outputting an interface for inputting card information, card company information and user information issued to the user; And
When the information is input through the interface, transmitting the card information, card company information and user information to the operator server through the data communication network;
The operator server,
After confirming device identification information identifying the smartphone (or program module of the smartphone), and transmitting the user information and card information to the card company server corresponding to the card company information to authenticate the card issuing status for the user The card issuance induction method using a smart phone, characterized in that for connecting and storing the authentication card information (or user information) and card company information and device identification information.
25. The method of claim 24,
Calculating a cumulative settlement count for each affiliate store, which counts the number of payment history within a predetermined validity period for each affiliate store based on the temporary keyword;
Obtaining incentive information corresponding to the cumulative number of payments for each affiliate store; And
If the payment history information is output, outputting the incentive information in a predetermined region near the payment history information; further comprising the card issuing method using a smart phone, characterized in that it further comprises.
25. The method of claim 24,
Calculating a cumulative settlement amount for each affiliate store by adding up an amount keyword within a certain validity period identified based on the temporary keyword based on the affiliate store keyword;
Obtaining incentive information corresponding to the cumulative payment amount for each affiliate store; And
If the payment history information is output, outputting the incentive information in a predetermined region near the payment history information; further comprising the card issuing method using a smart phone, characterized in that it further comprises.
25. The method of claim 24,
Calculating a cumulative number of purchases for each product in which product keywords within a predetermined validity period identified based on the temporary keywords are counted based on each product category;
Obtaining incentive information corresponding to the cumulative number of purchases for each product; And
If the payment history information is output, outputting the incentive information in a predetermined region near the payment history information; further comprising the card issuing method using a smart phone, characterized in that it further comprises.
25. The method of claim 24,
Calculating a cumulative number of purchases for each affiliated store / product that counts a product keyword within a certain validity period identified based on the temporary keyword for each affiliate store corresponding to the affiliate store keyword based on each product category;
Obtaining incentive information corresponding to the cumulative number of purchases for each affiliated store / product; And
If the payment history information is output, outputting the incentive information in a predetermined region near the payment history information; further comprising the card issuing method using a smart phone, characterized in that it further comprises.
25. The method of claim 24,
Obtaining at least one recommendation target product information matching the affiliate store keyword of the payment history information approved for payment at the present time based on the temporary keyword;
Determining at least one recommendation product information associated with the product keyword from the obtained recommendation product information; And
If the payment history information is output, outputting the recommended product information in a predetermined region near the payment history information; further comprising the card issuing method using a smart phone, characterized in that it further comprises.
25. The method of claim 24,
When the issuance of the recommendation card is requested, the smart phone, characterized in that further comprising the step of connecting the voice call channel with the automatic answering server receiving the application for issuance of the recommendation card through the voice call network of the smart phone; How to induce card issuance.
25. The method of claim 24,
Information for identifying the user through a DTMF (Dual Tone Multiple Frequency) signal of the voice call network when the voice call channel is connected to an automatic answering server that accepts the application for issuing the recommendation card through the voice call network of the smart phone. And transmitting the information identifying the recommendation card to the automatic response server.
25. The method of claim 24,
When the issuance of the recommendation card is requested, using the smart phone, characterized in that further comprising the step of connecting the data communication channel and the issuing application server that receives the application for issuance of the recommendation card through the data communication network of the smart phone; How to induce card issuance.
25. The method of claim 24,
When a data communication channel and an issuing application server that receives an application for issuance of the recommendation card are connected through the data communication network of the smart phone, the issuing information for identifying the user and the information for identifying the recommendation card are provided through the data communication network. Card issuing method using a smart phone, characterized in that further comprising the step of transmitting to the application server.
25. The method of claim 24,
And receiving and storing the device identification information for identifying the smartphone (or a program module of the smartphone) in order to receive the payment history information through the data communication network. Issuance induction method.
The method of claim 24, wherein the merchant keyword is:
Card issuance induction method using a smartphone, characterized in that it comprises at least one of a merchant name keyword and a merchant location identification keyword.
The method of claim 24, wherein the server,
Server of card company that issued at least one card to the user, or
Card issuing method using a smart phone, characterized in that the server of the operator associated with the card company issuing at least one card to the user.
In the card issuing method using a smartphone of the server that can be connected to the user's smartphone through a data communication network,
Receiving one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword extracted from payment history information held in the smartphone through the data communication network;
Determining n (1 ≦ n ≦ N) recommendation card information which can be further issued through a card company that has issued at least one card to the user among N (N ≧ 1) cards associated with the received keyword; And
And transmitting the determined n recommendation card information to the smartphone through the data communication network.
In the smartphone,
When outputting the payment history information, the card issuing induction method using a smart phone, characterized in that for outputting the interface for inducing additional issuance of cards corresponding to the n pieces of recommendation card information in a predetermined region of the payment history information.
41. The method of claim 40,
And storing the user's card issuer information of the user who issued at least one card to the user in a storage medium.
41. The method of claim 40,
Issuing a card using a smart phone, characterized in that it further comprises the step of connecting to a plurality of recommendation card information that can be issued to the user, card company information to issue each recommendation card and the recommendation keyword for each recommendation card to the storage medium Induction method.
41. The method of claim 40,
Merchant information for providing incentives according to at least one cumulative payment count, cumulative payment count information for identifying at least one cumulative payment count section for providing incentive information at each merchant, and corresponding to each cumulative payment count section. Connecting incentive information to be provided and storing the incentive information to a storage medium; And
If the cumulative payment number for each affiliate store is received through the data communication network, extracting incentive information corresponding to the cumulative payment number for each affiliate store from the storage medium and transmitting to the smartphone through the data communication network; Card issuance induction method using a smart phone characterized in that.
41. The method of claim 40,
Merchant information for providing incentive information according to at least one cumulative payment amount, cumulative payment amount information for identifying at least one cumulative payment amount section for providing incentive information at each merchant, and a user corresponding to each cumulative payment amount section. Connecting to the incentive information to be provided to the storage medium; And
If the cumulative payment amount for each affiliate store is received through the data communication network, extracting incentive information corresponding to the cumulative payment amount for each affiliate store from the storage medium and transmitting to the smartphone through the data communication network; Card issuance induction method using a smart phone characterized in that.
41. The method of claim 40,
Merchant information providing incentives according to at least one cumulative number of purchases; reference product information identifying a reference product for providing incentives based on the cumulative number of purchases at each merchant; and at least one cumulative purchase of the reference product. Storing cumulative purchase number information for identifying the number of sections and incentive information to be provided to the user in correspondence with each accumulated number of purchase sections and storing the information on the storage medium; And
If the cumulative number of purchases for each product is received through the data communication network, extracting incentive information corresponding to the cumulative number of purchases for each product from the storage medium and transmitting to the smartphone via the data communication network; Card issuance induction method using a smart phone characterized in that.
41. The method of claim 40,
Identifying reference product information identifying a reference product recommending at least one other product as a recommended product, merchant information selling both the reference product and the recommended product, and identifying at least one recommended product based on the reference product Connecting the recommended product information to be stored in a storage medium; And
If the merchant keyword and the product keyword including the payment history approved at the present time through the data communication network are received, the merchant connected to the merchant information matching the merchant keyword and the reference product information matching the product keyword from the storage medium Extracting the product information and transmitting to the smart phone via the data communication network; Card issuing method using a smart phone characterized in that it further comprises.

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