KR20120094544A - Method and smart phone for leading issuance of card - Google Patents

Abstract

PURPOSE: A smart phone inducing card issue and a method thereof are provided to simply and conveniently perform card issue by issuing a card corresponding to recommendation card information. CONSTITUTION: A purchase frequency calculating unit(210) calculates accumulated purchase frequency of each product. An incentive obtaining unit(215) obtains incentive information corresponding to the accumulated purchase frequency of each product. If payment breakdown information is outputted, an incentive output unit(220) outputs the incentive information to a fixed adjacent area of the payment breakdown information. A recommendation product determining unit(230) determines one or more recommendation product information related to a product keyword.

Description

Smartphone and its method to induce card issuance {Method and Smart Phone for Leading Issuance of Card}

The present invention reads the text message received through the voice call network of the smart phone to check and output the payment history information corresponding to the payment approval result using the user's card, based on the recommendation card identifier included in the text message After receiving at least one recommendation card information that can be additionally issued to the user through the data communication network of the smart phone, the card corresponding to the recommendation card information is further issued in a predetermined region near the output payment history information. It relates to a smartphone that outputs an interface.

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, by reading the text message received through the voice call network of the smart phone to check and output the payment history information corresponding to the payment approval result using the user's card, After receiving at least one recommendation card information that can be additionally issued to the user through the data communication network of the smartphone based on the recommendation card identifier included in the text message, the recommendation is made in a predetermined region near the output payment history information. It is to provide a smart phone and a method for outputting an interface for inducing additional issuance of a card corresponding to the card information.

The smart phone inducing card issuance according to the present invention reads a text message received through the voice call network of the smart phone, and checks payment history information and recommendation card identifier corresponding to the payment approval result using the user's card. The payment history confirmation unit, the recommendation card receiving unit for receiving at least one recommendation card information that can be additionally issued to the user through the data communication network of the smartphone based on the recommendation card identifier of the text message, and the payment history information And outputting a card issuing inducing unit for outputting an interface for additionally issuing cards corresponding to the n pieces of recommendation card information in a predetermined region of the payment history information, wherein the recommendation card identifier is the user on the data communication network. The address value where the recommended card information Or a recommendation card identification value to be combined with a server address storing the recommendation card information on the data communication network, wherein the recommendation card information includes a merchant keyword, a temporary keyword, an amount keyword, a product keyword included in the payment history information. And n (n ≧ 1) cards associated with one or more of the keywords.

According to the present invention, the smart phone for inducing card issuance, the interface output unit for outputting the 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 And a user card registration unit configured to transmit the user information to a card company server corresponding to the card company information through the data communication network, wherein the card company server identifies the smart phone (or a program module of the smart phone). After confirming, after confirming the card information issued to the user based on the user information, the device identification information and the card information can be connected and stored.

According to the present invention, the smart phone for inducing card issuance, the interface output unit for outputting the 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 And a user card registration unit for transmitting the card company information and the user information to an operator server through the data communication network, wherein the operator server checks device identification information for identifying the smartphone (or a program module of the smartphone). After receiving the at least one card information issued to the user by transmitting the user information to the card company server corresponding to the card company information, the card information (or user information) and the card company information and device identification information can be connected and stored. have.

According to the present invention, the smart phone for inducing card issuance, 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, when the information is input through the interface, Further comprising a user card registration unit for transmitting the card information, card company information and user information to the operator server via a data communication network, the operator server checks the device identification information for identifying the smart phone (or program module of the smart phone) The card company server transmits 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, and then connects the authenticated card information (or user information) with the card company information and the device identification information. Can be stored.

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

According to the present invention, the smart phone for inducing issuing the card, the payment amount calculation unit for calculating the cumulative payment amount for each merchant by adding the amount of the keyword within a certain validity period identified based on the temporary keyword based on the affiliated store keyword And an incentive acquisition unit for obtaining incentive information corresponding to the cumulative payment amount for each affiliate store, and an incentive output unit for outputting the incentive information in a predetermined region near the payment history information when the payment history information is output. Can be.

According to the present invention, the smart phone for inducing issuance of the card, the purchase count calculation unit for calculating the cumulative purchase count for each product counting the product keyword within a certain validity period identified based on the temporary keyword based on each product category And an incentive acquisition unit for obtaining incentive information corresponding to the cumulative number of purchases for each product, and an incentive output unit for outputting the incentive information in a predetermined region near the payment history information when the payment history information is output. Can be.

According to the present invention, the smart phone for inducing the card issuance, the merchant / product for each product that counted the product keyword within a certain period of validity confirmed based on the temporary keyword for each merchant corresponding to the merchant keyword based on each product category A purchase count calculating unit for calculating a cumulative purchase count, an incentive obtaining unit for acquiring incentive information corresponding to the cumulative number of purchases for each affiliated store / product, and the payment history information, when the payment history information is output, It may further include an incentive output unit for outputting the incentive information.

According to the present invention, the smart phone for inducing issuing the card, a product information acquisition unit for obtaining one or more recommended product information associated with the merchant keyword and product keyword, and at least associated with the product keyword of the recommended product information The electronic device may further include a recommendation product determination unit determining one recommendation product information and a recommendation product output unit configured to output the recommendation product information in a predetermined region near the payment history information when the payment history information is output.

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

According to the present invention, the smart phone for inducing the issuance of the card is DTMF of the voice call network when the voice call channel is connected to an automatic answering server that receives the application for issuing the recommendation card through the voice call network of the smart phone. The card issuing application unit may be further provided to transmit the information identifying the user and the information identifying the recommendation card to the automatic response server through a dual tone multiple frequency signal.

According to the present invention, when the issuance of the recommendation card is requested, the smart phone for inducing the card issuance connects a data communication channel with an issuing application server that accepts the issuance application of the recommendation card through a data communication network of the smart phone. A communication channel connection unit may be further provided.

According to the present invention, when the smart phone for inducing card issuance is connected to an issuing application server that receives an issuing application of the recommendation card through a data communication network of the smart phone and a data communication channel, the user through the data communication network. It may further include a card issuing application unit for transmitting the information for identifying the identification card and the information for identifying the recommendation card to the issuing application server.

According to the present invention, the smart phone for inducing issuance of the card is configured to receive and store device identification information for identifying the smart phone (or a program module of the smart phone) in order to receive the recommendation card information through the data communication network. The apparatus may further include a device identification processing unit.

According to the present invention, the affiliated store keyword may include at least one of an affiliate store name keyword and an affiliate store location identification keyword.

Card issuance induction method according to the invention, in the card issuance induction method using a smart phone operating in the user's smartphone, using the user's card by reading a text message received through the voice call network of the smartphone Confirming the payment history information and the recommendation card identifier corresponding to the payment approval result, and based on the recommendation card identifier of the text message, at least one recommendation card information that can be additionally issued to the user through a data communication network of the smartphone. And a card issuing induction unit for outputting an interface for inducing 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 output. The recommendation card identifier is the user on the data communication network. The recommendation card information to be recommended is included in the stored address value, or includes a recommendation card identification value to be combined with the server address for storing the recommendation card information on the data communication network, the recommendation card information is included in the payment history information And information for encouraging the user to further issue n (n ≧ 1) cards associated with at least one of a merchant keyword, a temporary keyword, an amount keyword, and a product keyword.

According to the present invention, the method for inducing card issuance may include: outputting an interface for inputting card company information and user information for issuing at least one card to the user; And transmitting the user information to a card company server corresponding to the card company information, wherein the card company server confirms device identification information for identifying the smart phone (or a program module of the smart phone), and the user information. After confirming the card information issued to the user based on the, it may be stored by connecting the device identification information and the card information.

According to the present invention, the method for inducing card issuance may include: outputting an interface for inputting card company information and user information for issuing at least one card to the user; And transmitting the card company information and the user information to an operator server through the operator server, wherein the operator server confirms device identification information identifying the smartphone (or a program module of the smartphone), and corresponds to the card company information. After transmitting the user information to a 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 method for inducing card issuance may include: outputting an interface for inputting card information, card company information, and user information issued to the user; and when information is input through the interface, an operator is provided through the data communication network. And transmitting the card information, card company information, and user information to a server, wherein the operator server confirms device identification information for identifying the smart phone (or program module of the smart phone), and corresponds to the card company information. After transmitting the user information and the card information to the card company server 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.

According to the present invention, the method for inducing card issuance may include: calculating a cumulative settlement count for each merchant that counts the number of payments within a certain validity period for each merchant based on the temporary keyword; The method may further include obtaining corresponding incentive information 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 method for inducing card issuance 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, and accumulating for each affiliate store; The method may further include obtaining incentive information corresponding to a payment amount, 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 may include: calculating a cumulative number of purchases for each product in which a product keyword within a predetermined validity period identified based on the temporary keyword is counted based on each product category; The method may further include obtaining incentive information corresponding to the number of purchases, 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 issuing induction method, the number of cumulative purchases for each merchant / product that counted 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 And calculating incentive information corresponding to the cumulative number of purchases for each merchant / product and outputting the incentive 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 may include obtaining at least one recommendation target product information associated with the affiliate store keyword and a product keyword, and at least one recommendation product information associated with the product keyword among the recommended target product information. The determining may further include outputting the recommended product 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, if the issuance of the recommendation card is requested, connecting a voice call channel with an automatic answering server that accepts the application for issuance of the recommendation card through the voice call network of the smart phone. It may further include.

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

According to the present invention, the card issuance induction method, if the issuance of the recommendation card is requested, 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; It may further include.

According to the present invention, the card issuance inducing method, if the issuing application server for receiving the issuing application of the recommendation card through the data communication network of the smart phone and the data communication channel is connected, identifying the user through the data communication network The method may further include transmitting information and information identifying the recommendation card to the issue application server.

According to the present invention, the method for inducing card issuance may further include receiving and storing device identification information for identifying the smartphone (or a program module of the smartphone) for receiving the recommendation card information through the data communication network. It may include.

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 reads the text message received through the voice call network 325 of the smart phone 100 to check and output payment history information corresponding to the payment approval result using the user's card, After receiving at least one recommendation card information that can be additionally issued to the user through the data communication network 315 of the smart phone 100 based on the recommendation card identifier included in the text message, the vicinity of the output payment history information Functional configuration of the program module 115 for the smart phone 100 for outputting an interface for inducing to further issue a card corresponding to the recommendation card information in a certain area, the general knowledge in the art If the person having a, it will be able to infer various implementation methods for the function of the smart phone 100 by referring to and / or modifying the Figure 1 The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated 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).

According to the present invention, the smart phone 100, a message module for receiving a text message through the voice call network 325 of the smart phone 100, or transmit a text message via the voice call network 325 A 114 is provided, and the program module 115 of FIG. 1 operates in conjunction with the message module 114.

The message module 114 receives, stores, and outputs a text message transmitted from the card company server 300 through the voice call network 325, and the message module 114 includes a text message in the data area of the text message received from the card company server 300. It includes payment history information in the format specified by each card company.

Referring to FIG. 1, the program module 115 may include an interface output unit 120 for outputting an interface for inputting information required for user card registration in order to receive a text message including the payment history information, and the data. A user card registration unit 125 for registering the user card through the communication network 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 120 and the user card registration unit 125 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 receiving the recommendation card information from the card company server 300 according to an embodiment of the present invention, the interface output unit 120 is an interface for inputting the card company information and the user information 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 125 transmits the user information to the card company server 300 corresponding to the card company information through the data communication network 315. The card company server 300 confirms the phone number of the smart phone 100, checks the card information issued to the user based on the user information, and stores the phone number and the card information by connecting the card number.

According to another exemplary embodiment of the present invention, when receiving the recommendation card information from an operator server 305 affiliated with one or more card companies, the interface output unit 120 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 125 transmits the card company information and the user information to the operator server 305 through the data communication network 315. The operator server 305 checks the phone number of the smart phone 100 and transmits the user information to the card company server 300 corresponding to the card company information to receive one or more card information issued to the user After that, the card information (or user information) and card company information and phone numbers are connected and stored.

Alternatively, when receiving the recommendation card information from the operator server 305 associated with one or more card companies, the interface output unit 120 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 125 sends the card information, card company information, and user information to the operator server 305 through the data communication network 315. send. The operator server 305 checks the phone number of the smart phone 100, and transmits the user information and card information to the card company server 300 corresponding to the card company information to authenticate the card issuing status for the user Afterwards, the authenticated card information (or user information), card company information, and phone number are connected and stored.

Referring to FIG. 1, the program module 115 reads a text message received through the voice call network 325 of the smart phone 100 to correspond to a payment approval result using the user's card. At least one payment details confirmation unit 130 for confirming the information and the recommendation card identifier, and additionally issued to the user through the data communication network 315 of the smart phone 100 based on the recommendation card identifier of the text message If the recommendation card receiving unit 135 for receiving the recommendation card information, and the payment history information is output, outputs an interface for inducing to issue additional cards corresponding to the n recommendation card information in a predetermined region near the payment history information Is provided with a card issuance induction unit 140.

When the payment through the user's card is approved, the card company server 300 that has approved the payment generates a text message including payment history information for the approved payment to which the smart phone 100 accesses the voice call. A text message is transmitted to the smart phone 100 through a network 325 (eg, a mobile communication network), and the message module 114 includes the payment history information and a recommendation card identifier through the voice communication network 325. Receive and save the message.

According to an embodiment of the present invention, the recommendation card identifier includes an address value storing recommendation card information to be recommended to the user on the data communication network 315. Here, the address value is different from the normal callback URL. That is, while the normal callback URL has an address value accessible through the data channel of the voice call network 325, the address value corresponding to the recommendation card identifier is the short range wireless communication module 108 or the wireless network communication module. It has an address value connectable through the data communication network 315 of 109.

According to another exemplary embodiment of the present invention, the recommendation card identifier is a recommendation card identification value to be combined with a server address storing recommendation card information on the data communication network 315 (for example, a parameter transmitted by GET method of URL, recommendation). Code values identifying the card). In this case, the memory unit 113 stores a server address value for storing recommendation card information on the data communication network 315, and the recommendation card identification value is combined with the server address value on the data communication network 315. The recommendation card information to be recommended to the user may be converted into a stored address value.

The payment history confirmation unit 130 periodically reads the text message received by the message module 114, or recognizes an event that occurs when a text message is received by the message module 114 to receive the received text. Read the message, payment history information corresponding to the payment approval result using the user's card based on the caller information or data structure of the payment history information contained in the text message of the card company that issued the at least one card to the user Check it.

The payment history confirmation unit 130 stores the payment history information confirmed from the text message in the memory unit 113, and maintains at least until the payment history information is output through the screen output unit 102.

The recommendation card receiving unit 135 checks whether the recommendation card identifier is included in the text message in which the payment history information is confirmed through the payment history confirming unit 130. If the text message includes a recommendation card identifier, the recommendation card receiving unit 135 recommends corresponding to at least one card additionally issued to the user through the data communication network 315 based on the recommendation card identifier. Connect to a server that stores card information.

Here, the server storing the recommendation card information is the card company server 300 or includes at least one server of the operator server 305.

The recommendation card recommended to the user through the recommendation card information includes a card that provides a discount or provides at least one incentive (eg, mileage point) at the merchant 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 135 receives at least one recommendation card information that can be additionally issued to the user from the connected server through the data communication network 315.

Here, the recommendation card information is information for inducing the user to additionally issue n (n≥1) cards associated with at least one keyword among merchant keyword, temporary keyword, amount keyword, and product keyword included in the payment history information. , Including at least one of a phrase, an image, a sound, and a video requesting to issue each recommendation card, and a communication number of the automatic response server 320 for receiving a card issuance request from the user through the voice call network 325 ( For example, a telephone number) or an address of the issuing application server 310 which receives a card issuing application from the user through the data communication network 315.

When the payment history information is output through the screen output unit 102, the card issuing induction unit 140 outputs the n pieces of recommendation card information to a predetermined region near the output payment history information, thereby allowing the user to enter the information. Outputs an interface that prompts to 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 145 for connecting the voice call channel and the automatic answering server 320 for receiving 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 155 for transmitting the information to identify the recommendation card and the automatic response server 320 may be further provided.

When 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 140 When the issuance of at least one recommendation card is requested from the user, the call channel connection unit 145 configures 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 155 may include information for identifying the user with the automatic response 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 150 for connecting the data communication channel, the information identifying the user and the recommendation card through the data communication network 315 The card issuing application unit 155 for transmitting to the issuing application server 310 may be further provided.

When 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 inducing unit 140 When the issuance is requested, the communication channel connection unit 150 connects the 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 one embodiment of the present invention, the card issuing application unit 155 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 155 checks 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, FIG. 3 shows that the card company server 300 or the operator server 305 sends a text message including payment history information to the smartphone 100 shown in FIG. Checks the payment history information included in the text message and induces to issue n recommendation cards through a card company that has issued at least one card to the user based on at least one keyword included in the payment history information. Then, when the user requests additional issuance of the n recommendation cards, a voice call with the issuance application server 310 or the smartphone 100 connected through the smart phone 100 and the data communication network 315 As a system configuration for receiving additional issuance for the n recommendation cards through the auto-response server 320 connected through the network 325, the present invention belongs to Those skilled in the art 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). Although there will be, 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 A text message including payment history information may be directly sent to the smartphone 100 or may be sent 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.

In addition, the card company server 300 is associated with at least one keyword among the merchant keyword, temporary keyword, amount keyword, product keyword included in the payment history information, and at the same time to issue at least one recommendation card that can be issued by the company. Determine and maintain the recommendation card information to be induced, and the text message is attached with a recommendation card identifier for providing the recommendation card information to the smart phone 100 (or the program module 115) through the data communication network 315. .

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 a text message including payment details from the affiliated card company. It can be configured and sent to the smartphone 100.

In addition, the operator server 305 is associated with one or more keywords among merchant keywords, temporary keywords, price keywords, product keywords included in the payment history information transmitted from the card company server 300 and at least one affiliated with the operator at the same time. Determine and maintain the recommendation card information to induce the user to issue at least one recommendation card that can be issued by the card company, the text message via the data communication network 315 to the smart phone 100 (or The recommendation card identifier to be provided to the program module 115 is attached.

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 the program module 115) reads the text message received through the voice call network 325, the payment history information corresponding to the payment approval result using the user's card A card company that extracts one or more keywords among merchant keyword, temporary keyword, amount keyword, and product keyword from the checked payment history information, and is associated with the extracted keyword and simultaneously issues at least one card to the user. After determining the n recommendation card information that can be additionally issued through the terminal, and outputs an interface for inducing 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. do.

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 the 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 included in a text message and the payment history confirmation unit checks the payment history information to be sent to the smartphone 100 shown in FIG. 1 ( 430, a keyword extraction unit 435 for extracting one or more keywords among merchant keyword, temporary keyword, price keyword, and product keyword from the payment history information, and N (N≥1) cards associated with the extracted keyword. A recommendation card determination unit 440 for determining n (1 ≦ n ≦ N) recommendation card information that can be additionally issued through a card company that issued at least one card to the user, and a text message including the payment history information. The message sending unit 450 attaches the recommendation card identifier for the determined recommendation card information to the smartphone 100, and sends the message to the smartphone 100. The data communication network 315 of the smartphone 100 is provided. And a reporting unit 445 for transmitting to the smart phone 100, the n number of the card like information associated with a group like card identifier.

The payment history confirmation unit 430 is included in the text message to confirm payment history information, and the keyword extraction unit 435 is one of a merchant keyword, a temporary keyword, an amount keyword, a product keyword from the received payment history information. The above keywords are extracted.

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 card company server 300 or the operator server 305 is affiliated with an affiliate store corresponding to the affiliate store keyword, the product keyword is based on one or more keywords extracted directly from the payment history information. Or it may be derived by the operator server 305. In this case, the keyword extracting unit 435 may be based on 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. The product keyword can be derived.

Alternatively, if the operator server 305 is able to communicate with a POS terminal or a merchant server provided in an affiliate store corresponding to the affiliate store 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 extractor 435 includes the keywords (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 POS terminal or the merchant server, the product keyword may be received from the POS terminal or the merchant server.

Alternatively, if the operator server 305 is able to communicate with the smartphone program requesting the payment of the merchant through the card, the product keyword is one or more keywords extracted directly from the payment history information by the keyword extraction unit 435 It can be extracted from the program for the smartphone on the basis of.

The recommendation card determination unit 440 is associated with the received keyword from the storage medium 425, n recommendation cards that satisfies all the conditions that can be additionally issued through a card company that issued at least one card to the user Determine and recommend n pieces of recommendation card information to induce the user to issue at least one recommendation card among the n recommendation cards.

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 message sending unit 450 attaches the recommendation card identifier for the determined recommendation card information to the text message including the payment history information, and sends the text message including the payment history information and the recommendation card identifier to the smart phone ( Through the voice call network 325 of the 100 is sent to the smart phone 100.

Here, the recommendation card identifier includes an address value storing recommendation card information to be recommended to the user on the data communication network 315 or a recommendation to be combined with a server address storing recommendation card information on the data communication network 315. Contains the card identification value.

If the smart phone 100 (or the program module 115) receiving the text message is connected through the data communication network 315 based on the recommendation card identifier and requests the recommendation card information, the information transmission unit ( 445 transmits n pieces of recommendation card information corresponding to the recommendation card identifier to the smartphone 100.

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 smartphone 100, the card company server 300 receives the user's card from the program module 115. Or, as shown in the registration process to the operator server 305, those skilled in the art to which the present invention belongs, various implementation methods for the card registration process by referring to and / or modified in Figure 5 ( For example, some steps may be omitted or the order in which the order is changed may be inferred. However, the present invention includes all of the inferred implementation methods, and the technical features may be modified only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 5, the interface output unit 120 of the program module 115 illustrated in FIG. 1 may transmit a card issued to a user from at least one card company through the data communication network 315 to the card company server 300. Alternatively, the interface 500 inputs information for registering to the operator server 305 (500).

If the information necessary for the card registration is input through the interface (505), the user card registration unit 125 is the input information to the card company server 300 or the operator server 305 through the data communication network 315 To register the card by transmitting (510).

If the card registration is completed (515), 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, Figure 6 is a card company server shown in Figure 3 to the program module 115 shown in Figure 1 from the card company server shown in Figure 1 the payment history information and the recommendation card identifier approved through the user's card in a text message As a process of including and transmitting the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 6 to perform various methods (eg, some steps) for the process of providing the payment details. May be omitted, or the order of implementation 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 to be provided (610), the card company server 300 extracts one or more keywords among merchant keywords, temporary keywords, amount keywords, and product keywords from the approved payment details (615) and the extracted keywords. In operation 620, n recommendation card information that may be additionally issued through a card company that issues at least one card to the user among the N cards is determined.

If the recommendation card information is not determined (625), the card company server 300 includes the payment history information in the text message to send to the smartphone 100 via the voice call network 325 (630). .

On the other hand, if the n pieces of recommendation card information is determined (625), the card company server 300 determines a recommendation card identifier corresponding to the determined recommendation card information (635), the payment history information and recommendation card identifier in a text message Including the processing to send to the smart phone 100 via the voice call network 325 (640).

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

In more detail, in FIG. 7, the operator server 305 shown in FIG. 3 displays the payment history information and the recommendation card identifier approved through the user's card in the text message from the operator's server 305 to the program module 115 shown in FIG. As a process of including and transmitting the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 7 and various implementation methods (eg, some steps) for the process of providing the payment details. 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. 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 In operation 720, the payment history information is received from the card company server 300.

Thereafter, the operator server 305 extracts one or more keywords among a merchant keyword, a temporary keyword, an amount keyword, and a product keyword from the approved payment history (725), and transmits to the user among the N cards associated with the extracted keyword. In operation 730, the n recommendation card information that may be additionally issued is determined through the card company that issued the at least one card.

If the recommendation card information is not determined (735), the operator server 305 includes the payment history information in the text message to send to the smartphone 100 through the voice call network 325 (740). .

On the other hand, if the n recommendation card information is determined (735), the operator server 305 determines the recommendation card identifier corresponding to the determined recommendation card information (745), and the payment history information and recommendation card identifier in a text message Including the processing to send to the smart phone 100 through the voice call network 325 (750).

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, when FIG. 8 receives a text message including payment history information from the card company server 300 or the operator server 305 shown in FIG. 3 to the smart phone 100 shown in FIG. After checking the payment history information included in the text message in the program module 115, when the recommendation card identifier is included in the text message, the program module 115 may determine from the payment history information through the data communication network 315 based on the recommendation card identifier. Receive n recommendation card information that can be additionally issued through a card company that has issued at least one card to the user while being associated with the extracted one or more keywords, and at the point of time when the payment history information is output, a schedule near the payment history information. Outputting an interface for inducing to issue a card corresponding to the n recommendation card information to an area As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to implement various methods (e.g., some steps may be omitted) for the card issuance induction process. Or an implementation method in which the order is 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. 8, the payment history confirmation unit 130 of the program module 115 determines whether a text message including payment history information is received through the voice call network 325 (800).

If the text message including the payment history information is confirmed (805), the payment history confirmation unit 130 extracts the payment history information from the text message (810), the recommendation card receiving unit 135 is the text message In step 815, the card ID is attached to the recommendation card identifier.

If the recommendation card identifier is attached to the text message (820), the recommendation card receiving unit 135 stores the recommendation card information associated with the recommendation card identifier through the data communication network 315 based on the recommendation card identifier. Access the card company server 300 or the operator server 305 (825) and the n recommendation cards associated with the recommendation card identifiers from the card company server 300 or the operator server 305 through the data communication network 315. The card information is received (830).

The card issuing induction unit 140 checks whether the payment history information is output (835). If the payment history information is output (840), the card issuing induction unit 140 outputs an interface for additionally issuing a card corresponding to the n recommendation card information in a predetermined region near the payment history information ( 845).

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

In more detail, FIG. 9 is a text message sent 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 settlement number and outputting the incentive information corresponding to a cumulative settlement count based on the payment history information included in the present invention is provided to those skilled in the art. Although various implementation methods (e.g., some steps may be omitted or reordered) may be inferred for the incentive providing process by referring to and / or modifying the drawing 9, the present invention is directed to all the inferred implementation methods. It is made, including, and the technical features are not limited only to the embodiment shown in FIG.

Referring to FIG. 9, when payment details are confirmed from a text message through the process illustrated in FIG. 8, the payment count calculator 200 extracts a temporary keyword and a merchant keyword from the payment details information (900). Based on the temporary keyword and the affiliate store keyword, a cumulative settlement number for each affiliate store that counts the number of settlement items within a predetermined validity period for each affiliate store is calculated (905). The incentive obtaining unit 215 obtains incentive information corresponding to the cumulative payment count 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 receives the payment. It is checked whether the history 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.

In more detail, FIG. 10 is a text message sent 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 a cumulative payment amount based on the payment history information included in the payment information and outputting the incentive information together with the payment history information is provided to those skilled in the art. Although various implementation methods (eg, some steps may be omitted or reordered) may be inferred for the incentive providing process by referring to and / or modifying the drawing 10, 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 implementation method shown in FIG.

Referring to FIG. 10, when payment details are confirmed from a text message through the process illustrated in FIG. 8, the payment amount calculator 205 extracts a temporary keyword, an amount keyword, and an affiliate keyword from the payment details information ( 1000), based on the temporary keyword, the amount keyword, and the affiliate keyword, a cumulative settlement amount for each affiliate store is calculated (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 receives the payment. It is checked whether the history 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 is a text message sent 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 and outputting the incentive information corresponding to a cumulative number of purchases based on the payment history information included in the present invention is provided to those skilled in the art to which the present invention pertains. Although various implementation methods (e.g., some steps may be omitted or reordered) may be inferred for the incentive providing process by referring to and / or modifying FIG. It is made, including, and the technical features are not limited only to the embodiment shown in FIG.

Referring to FIG. 11, when payment details are confirmed from a text message through the process illustrated in FIG. 8, the purchase count calculator 210 extracts a temporary keyword and a product keyword from the payment history information (1100). Based on the temporary keyword and the product keyword, a cumulative number of purchases for each product in which product keywords within a predetermined validity period are counted based on each product category is calculated (1105). The incentive obtaining unit 215 obtains incentive information corresponding to the cumulative number of purchases for each product from the memory unit 113 or the storage medium 425 on the communication network (1110), and the incentive output unit 220 receives the payment. It is checked whether the history 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 is a text message sent 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 payment history information included in the payment information and outputting the incentive information together with the payment history information is provided. Those skilled in the art may refer to and / or modify this drawing 12 to infer various implementation methods (e.g., implementation steps in which some steps are omitted or reordered) for the incentive provision process. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 12, when payment details are confirmed from a text message 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, the cumulative number of purchases for each affiliate / product is calculated based on the temporary keyword, the product keyword, and the affiliate keyword, and the product keyword and the affiliate keyword within a predetermined validity period are counted for each affiliate based on each product category (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, the 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.

In more detail, FIG. 13 is a text message sent 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 payment history information included in the present invention and outputting the information together with the payment history information, which is a person having ordinary knowledge in the technical field to which the present invention pertains, is shown in FIG. 13. By referring to and / or modifying the present invention, various methods of implementing the product recommendation process (for example, some steps may be omitted or the order may be changed) may be inferred, but the present invention includes all the methods inferred. And the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 13, when payment details are confirmed from a text message through the process illustrated in FIG. 8, the product information acquisition unit 225 extracts a temporary keyword, a merchant keyword, and a product keyword from the payment history information ( In operation 1305, the payment history information is based on the date and time keyword and whether the payment history information is approved for payment 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 payment history information is output (1325). If the payment history information is output (1330), the recommended product output unit 235 is a schedule near the payment history information. The recommended product information is output to the area (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 an 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 140 may receive information 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 145 and the voice call channel and the automatic response server 320 accepting the application for issuance of the recommendation card through the voice call network 325 Connect (1410).

If the voice call channel is connected (1415), the card issuing application unit 155 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 additional issuance of cards corresponding to n pieces of recommendation card information is output through the process illustrated in FIG. 8, the card issuing inducing unit 140 is connected to a 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 150 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 155 provides the information for 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 114: message module
115: program module 125: interface output unit
125: user card register 130: payment history confirmation unit
135: recommended card receiving unit 140: card issuing induction unit
145: communication channel connection unit 150: communication channel connection unit
155: 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 (30)

In the user's smartphone,
A payment history confirmation unit reading the text message received through the voice call network of the smart phone and confirming payment history information and a recommendation card identifier corresponding to a payment approval result using the user's card;
A recommendation card receiver configured to receive at least one recommendation card information that can be additionally issued to the user through a data communication network of the smartphone based on the recommendation card identifier of the text message; And
And a card issuing induction unit for outputting an interface for inducing to further issue 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.
The recommendation card identifier is
A recommendation card identification value to be stored in the recommendation card information to be recommended to the user on the data communication network, or to be combined with a server address storing the recommendation card information on the data communication network,
The recommended card information,
Characterized in that it comprises the information to induce the user to additionally issued n (n≥1) cards associated with one or more of the keywords, merchant keywords, price keywords, product keywords included in the payment history information Smartphones to induce card issuance.
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 to induce card issuance, 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, Smartphones to induce card issuance, characterized in that the card information (or user information) and card company information and device identification information is connected and stored.
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 And, the smart card to induce card issuance, characterized in that the card information (or user information) and card company information and device identification information to connect and store.
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 associated with the affiliate store keyword and the product keyword;
A recommendation product determination unit to determine at least one recommendation product information associated with the product keyword among the recommendation product information; And
When the payment history information is output, the product recommendation product output unit for outputting the recommended product information in a predetermined region near the payment history information; further comprising the smart card to induce card issuance.
The method of claim 1,
When the issuance of the recommendation card is requested, the card further comprises a call channel connection unit for connecting the voice call channel with an automatic answering server for receiving the application for issuance of the recommendation card through the voice call network of the smart phone. Smartphone to encourage issuance.
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 card issuance is characterized in that it further comprises 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. Smartphone to induce.
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. Smart phone to induce card issuance, characterized in that further comprises a card issuing application 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) for receiving the recommendation card information through the data communication network. Inducing smartphone.
The method of claim 1, wherein the merchant keyword is:
Smartphone to induce card issuance, characterized in that it comprises at least one of a merchant name keyword and a merchant location identification keyword.
In the method of inducing card issuance using a smartphone operating in a user's smartphone,
Reading the text message received through the voice call network of the smart phone and confirming payment history information and a recommendation card identifier corresponding to a payment approval result using the user's card;
Receiving at least one recommendation card information that can be additionally issued to the user through a data communication network of the smartphone based on the recommendation card identifier of the text message; And
And a card issuing induction unit for outputting an interface for inducing to further issue 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.
The recommendation card identifier is
A recommendation card identification value to be stored in the recommendation card information to be recommended to the user on the data communication network, or to be combined with a server address storing the recommendation card information on the data communication network,
The recommended card information,
Characterized in that it comprises the information to induce the user to additionally issued n (n≥1) cards associated with one or more of the keywords, merchant keywords, price keywords, product keywords included in the payment history information How to induce card issuance.
17. The method of claim 16,
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, characterized in that.
17. The method of claim 16,
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, And storing the card information (or user information), card company information, and device identification information.
17. The method of claim 16,
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 And connecting and storing the authenticated card information (or user information), the card company information, and the device identification information.
17. The method of claim 16,
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
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
17. The method of claim 16,
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
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
17. The method of claim 16,
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
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
17. The method of claim 16,
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
And outputting the incentive information in a predetermined region near the payment history information when the payment history information is output.
17. The method of claim 16,
Obtaining at least one recommendation target product information associated with the affiliate store keyword and the product keyword;
Determining at least one recommendation product information associated with the product keyword among the recommendation product information; And
And outputting the recommendation product information to a predetermined region near the payment history information when the payment history information is output.
17. The method of claim 16,
If the issuance of the recommendation card is requested, the card issuance induction, 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 smartphone Way.
17. The method of claim 16,
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 sending the information identifying the recommendation card to the automatic response server.
17. The method of claim 16,
When the issuance of the recommendation card is requested, the card issuing induction method further comprises the step of 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; .
17. The method of claim 16,
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 characterized in that it further comprises the step of transmitting to the application server.
17. The method of claim 16,
And receiving and storing device identification information for identifying the smartphone (or program module of the smartphone) for receiving the recommendation card information through the data communication network.
The method of claim 16, wherein the merchant keyword is:
Card issuing method comprising the at least one of a merchant name keyword and a merchant location identification keyword.

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