KR20140048447A - Method of providing card service and apparatus performing the same - Google Patents

Method of providing card service and apparatus performing the same Download PDF

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Publication number
KR20140048447A
KR20140048447A KR1020120114114A KR20120114114A KR20140048447A KR 20140048447 A KR20140048447 A KR 20140048447A KR 1020120114114 A KR1020120114114 A KR 1020120114114A KR 20120114114 A KR20120114114 A KR 20120114114A KR 20140048447 A KR20140048447 A KR 20140048447A
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KR
South Korea
Prior art keywords
card
service
service providing
providing
amount
Prior art date
Application number
KR1020120114114A
Other languages
Korean (ko)
Inventor
고영배
황규영
이창학
김민영
Original Assignee
주식회사 우리카드
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Priority to KR1020120114114A priority Critical patent/KR20140048447A/en
Publication of KR20140048447A publication Critical patent/KR20140048447A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0234—Rebates after completed purchase
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services

Abstract

According to an embodiment of the present invention, a credit card service providing method is run by a credit card service providing server linked with a user terminal. The credit card service providing method includes: a step of receiving a selection on a servicing affiliate store from each of a basic servicing affiliate store list and an optional servicing affiliate store list corresponding to a holding credit card from a user related to the user terminal; a step of, when a payment is made using the holding credit card in the servicing affiliate store, providing a service appropriate for the amount paid by the credit card; and a step of providing the user terminal with a coupon capable of paying for a certain product when the accumulated use amount of the holding credit card reaches a certain amount. [Reference numerals] (100) Credit card service providing server; (200) User terminal; (300) Affiliate store terminal

Description

METHOD OF PROVIDING CARD SERVICE AND APPARATUS PERFORMING THE SAME}

Embodiments of the present invention relate to a card service providing method and an apparatus for executing the same.

At present, with the development of industrialization and credit socialization, the indirect payment method of paying by using a credit card or the like in the direct payment method of paying cash when purchasing goods or using services is rapidly expanding. The indirect payment method is used to increase the number of people using the card because it can solve the inconvenience and the worry of theft caused by cash carrying, and can receive tax deductions.

In addition, card companies may provide a variety of points-related services, such as merchant discount service using credit points to increase the card users' desire to use the card. Accordingly, card users often use the card as a payment for purchases in general stores or department stores, and frequently use the card in everyday life, such as using oil after filling a gas at a gas station or eating a food at a restaurant. Earn card use points provided by card companies. In addition, the card user may purchase products at discounted prices or use various services at affiliated stores affiliated with the card company by using the accumulated points.

An embodiment of the present invention provides a card service providing method for providing at least one of a service, a point earning service and a cashback service for a part of the card payment amount when payment by a holding card is executed at a merchant selected by the user and the same; We want to provide a device to run.

 In one embodiment of the present invention, by selecting a plurality of affiliates by service type from a list of selected service providing affiliates including a plurality of affiliates classified by industry, the user may receive various benefits through a single card. The present invention provides a card service providing method and an apparatus for executing the same.

One embodiment of the present invention by providing information about the service target merchants among the merchants located within a specific range centered on the location of the user, not only the promotion of the merchant is very effective, but also provides an increase in sales according to the promotion effect of the merchant The present invention provides a card service providing method and a device for executing the same.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, the card service providing method is executed in the card service providing server connected to the user terminal. The card service providing method includes selecting a service target affiliated store from each of a basic service providing affiliated store list and a selected service providing affiliated store list corresponding to a holding card from a user associated with the user terminal; If is executed, providing a service for the card payment amount and providing a coupon for purchasing a specific product to the user terminal if the cumulative use amount of the holding card is more than a specific amount.

In an embodiment, the step of selecting the service target affiliated store may further include selecting one affiliated store from a basic service providing affiliated store list including at least one of a theme park, an amusement park, and an airline.

In one embodiment, the selection service providing affiliate list may include a plurality of affiliated stores classified by industry.

In an embodiment, the step of selecting the service target affiliated store may further include selecting five affiliated stores including affiliated stores of the same type of business from the selected service providing affiliated store list.

In an embodiment, the step of selecting the service target affiliated store may further include selecting five affiliated stores including merchants of different industries from the selected service providing affiliated store list.

In one embodiment, the providing of the service for the specific amount may further include providing the service for the card settlement amount if the cumulative use amount of the holding card is greater than or equal to the specific amount for a specific period.

In an embodiment, the providing of the service for the specific amount may further include providing at least one of a discount service, a point earning service, and a cashback service for a part of the card payment amount.

In one embodiment, the providing of the service for the specific amount may include at least one of a field discount service and a billing discount service for a part of the card payment amount within a discount limit determined according to the accumulated use amount of the holding card. It may further comprise the step of providing.

In one embodiment, the method of providing a card service may further include determining a rating of the user according to a cumulative use amount of the holding card for a specific period of time.

In one embodiment, the card service providing method may further include providing a service for a card payment amount at an additional affiliate store according to the user's grade.

In one embodiment, the card service providing method further includes providing information of the service target affiliate store to the user terminal when the service target affiliate store exists among the affiliate stores located within a specific range based on the location of the user terminal. It may include.

Among the embodiments. The card service providing server connected to the user terminal may be configured to be held by the card management unit and the service target affiliate that receive the selected service target affiliate from each of the basic service providing affiliate list corresponding to the holding card and the selected service providing affiliate list from the user associated with the user terminal. And a card service providing control unit for providing a service for the card payment amount when the payment by the card is executed, and providing a coupon for purchasing a specific product when the accumulated use amount of the holding card is equal to or more than a specific amount.

In one embodiment, the card management unit may be selected from one affiliate store from the list of basic service providing affiliates including at least one of a theme park, an amusement park, and an airline.

In one embodiment, the selection service providing affiliate list may include a plurality of affiliated stores classified by industry.

In one embodiment, the card management unit may be selected from a plurality of merchants including merchants of the same industry in the selection service providing merchant list.

In one embodiment, the card management unit may be selected from the five merchants including merchants of different industries in the selection service providing merchant list.

In one embodiment, the card service providing control unit may provide a service for the card payment amount if the cumulative use amount of the holding card is greater than or equal to a certain amount for a specific period.

In one embodiment, the card service providing control unit may provide at least one of a discount service, a point earning service, and a cashback service for a part of the card payment amount.

In an embodiment, the card service providing controller may provide at least one of a field discount service and a billing discount service for a part of the card payment amount within a discount limit determined according to the accumulated use amount of the holding card. .

In one embodiment, the card service providing server may further include a rating management unit for determining the rating of the user according to the cumulative use amount of the holding card for a specific period.

In one embodiment, the card service providing control unit may provide a service for a card payment amount at an additional affiliate store according to the user's grade.

In one embodiment, the card service providing control unit may provide information of the service target affiliate store to the user terminal when the service target affiliate store exists among the affiliate stores located within a specific range based on the location of the user terminal.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, when payment by a holding card is executed at a merchant selected by a user, at least one of a service, a point earning service, and a cashback service for a part of the card payment amount is provided.

According to an embodiment of the present invention, by selecting a plurality of affiliates by service type in a selected service providing affiliated store list including a plurality of affiliated stores classified by industry, the user may receive various benefits through a single card. To help.

According to an embodiment of the present invention, an embodiment of the present invention provides information about the service target affiliated stores among the affiliated stores located within a specific range around the user's location, so that the promotion of the affiliated stores is not only very effective, but also the affiliated store. We can expect sales to increase thanks to the publicity effect.

1 is a network diagram illustrating a card service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a card service providing server according to an embodiment of the present invention.
3 is a block diagram illustrating a card service providing server according to another exemplary embodiment of the present invention.
4 is a flowchart illustrating an embodiment of a card service providing method according to the present invention.
5 is a flowchart illustrating another embodiment of a card service providing method according to the present invention.
6 is a flowchart illustrating another embodiment of a card service providing method according to the present invention.

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

1 is a network diagram illustrating a card service providing system according to an embodiment of the present invention.

Referring to FIG. 1, a card service providing system includes a card service providing server 100, a user terminal 200, and an affiliated store terminal 300.

The card service providing server 100 receives a service target affiliated store from the user terminal 200 through a network environment, and provides a service for a card payment amount when payment by a holding card is executed at the service target affiliated store.

The card service providing server 100 may perform at least some real-time data exchange with the user terminal 200 in order to provide a card service. The card service providing server 100 will be described in more detail below with reference to FIGS. 2 to 3.

The user terminal 200 may maintain connection or communication with the card service providing server 100 and provide the service target affiliated store selected by the user to the card service providing server 100. The affiliated store terminal 200 may be a terminal having a central processing unit and a memory device, such as a PC, a tablet PC, a smart phone, and the like.

In one embodiment, the user terminal 200 may load at least a portion of the mobile banking engine for accessing the card service providing server 100. For example, at least some of the predetermined operations required for selecting a service target affiliate store may be performed in the affiliate store terminal 200 for fast processing. In this embodiment, the merchant terminal 200 may provide the card service providing server 100 with the result calculated by the mobile banking engine provided therein.

The affiliated store terminal 300 makes a request for approval of the card payment amount to the card service providing server 100.

2 is a block diagram illustrating a card service providing server according to an embodiment of the present invention.

2, the card service providing server 100 may include a card management unit 110 and a card service providing control unit 130, and may further include a credit rating management unit 120 according to an embodiment.

The card manager 110 may issue a specific type of card at the user's request. The card may include at least one of a credit card, check card and prepaid card. Such a card may have various types of cards according to benefits received by the user, for example, fueling discount, airline mileage accumulation, department store discount, cultural discount, and the like.

The card manager 110 may set a service to the card so that a service for a payment amount is provided when the card is settled at the merchant.

In one embodiment, the card manager 110 may receive a service target affiliate from each of the basic service providing affiliate list and the selected service providing affiliate list corresponding to the holding card. Here, the list of basic service provider affiliates may include at least one of a theme park, an amusement park, and an airline. For example, the basic service providing affiliate list may include at least one of Everland, Caribbean Bay, Ocean World, Jeju Airlines, Korean Air, and Asiana Airlines. The optional service providing affiliate list may include a plurality of affiliated stores classified by business type. For example, if the industry is a department store, the affiliated store may include at least one of Lotte Department Store, Hyundai Department Store, and Shinsegae Department Store.

In one embodiment, the card manager 110 may be selected to select one affiliated store from the basic service providing affiliated store list. In another embodiment, the card manager 110 may be selected from five affiliated stores from the selected service provider affiliated list. In one embodiment, the card manager 110 may receive a plurality of merchants for each type of business from a list of selected service provider affiliates. For example, if a user frequently goes to the market, he or she can select Lotte Mart, E-Mart, or GS Mart, which is a big mart. In another embodiment, the card manager 110 may be selected to select one affiliate for each type of business from the list of selected service providing affiliates. For example, the user may select a G market corresponding to an online home shopping industry and select a Lotte department store corresponding to a department store industry.

The credit rating manager 120 determines the credit rating according to the user's use of the card.

In one embodiment, the credit rating management unit 120 may determine the user's credit rating according to the cumulative use amount of the card for a specific period of time. For example, if the cumulative use amount of the card for the user's six months is 10,000,000, the credit rating management unit 120 may determine the user's credit rating as VIP.

The card service providing controller 130 controls other components in the card service providing server 100 to provide a card service to the user terminal 200.

The card service providing control unit 130 provides the user terminal 200 with a coupon for purchasing a specific product according to the accumulated use amount of the user's holding card.

In one embodiment, the card service providing control unit 130 may provide the user terminal 200 with a coupon for purchasing a specific product when the cumulative use amount corresponding to the specific period is greater than or equal to a certain amount. For example, when the card is paid more than 30,000 won by the following month after the card issuance, the card service provision controller 130 may provide the user terminal 200 with a gift cone for purchasing coffee.

The card service provision controller 130 may provide a service for a part of the card payment amount according to the accumulated use amount of the holding card.

In one embodiment, the card service providing controller 130 may provide a discount service for a part of the card payment amount. In one embodiment, the card service provision controller 130 may provide a field discount service for a part of the card payment amount. The on-site discount service is a discount service that allows a discounted amount of a portion of a payment amount to be settled when payment by a card is executed at a target merchant. For example, if you pay 30,000 won with a card in order to purchase tickets at Everland, which is a service member, the card service provision control unit 130 discounts the site by allowing you to pay 15,000 won with a 50% discount from 30,000 won. Can provide services. In another embodiment, a billing discount service may be provided for a portion of the card payment amount. The billing discount service is a discount service that allows a discounted amount of a part of the payment amount to be charged when the payment is made by the card at the service target merchant. For example, if you pay 5,000 won by card to purchase Americano at Starbucks, which is a service target merchant, the card service provision control unit 130 paid 5,000 won by card, but 4,650 which is discounted by 7% from 5,000 won is Billing discount service can be provided to be billed.

In another embodiment, the card service providing control unit 130 may provide a point earning service for a part of the card payment amount. For example, if you pay 50,000 won with a card at Lotte Department Store, which is a service target affiliate, the card service providing control unit 130 may accumulate 3,500 points corresponding to 7% of 50,000 won as points.

In another embodiment, the card service provision controller 130 may provide a cashback service for a part of the card payment amount. For example, if you pay 100,000 won with a card at the GS Home Shopping, which is a service target merchant, the card service providing control unit 130 may deposit 7,000 won corresponding to 7% of 100,000 won into the user's account.

In one embodiment, the card service providing control unit 130 may provide at least one of a field discount service, a billing discount service, a point earning service, and a cashback service for a part of the card payment amount within a discount limit of the card. . For example, the card service provision controller 130 may provide a service for a card payment amount at a service target affiliate within a discount limit of 3,000 won. If the discount amount exceeds the discount limit of the card payment amount in the service target merchant, the card service provision controller 130 provides the discount service only for the amount corresponding to the discount limit. For example, if the discount limit is 3,000 won and the discount amount at the service target affiliate is 3,300 won, the card service providing controller 130 may allow the 3,000 won to be discounted.

The card service provision controller 130 may determine a discount limit according to the cumulative use amount of the card.

In one embodiment, the card service providing controller 130 may increase the discount limit if the cumulative use amount of the card is equal to or greater than a certain amount. For example, if the cumulative use amount in January was more than 300,000 won and less than 500,000 won, but the cumulative use amount in February increased from 500,000 won to less than 1 million won, the card service provision control unit 130 set a monthly discount limit of 3,000 won. It can increase from to 5,000 won.

In one embodiment, the card service providing control unit 130 may reduce the discount limit when the cumulative use amount of the card is less than or equal to a certain amount. For example, if the cumulative use amount in February was over 1 million won, but the cumulative use amount in March decreased from 500,000 won to less than 1 million won, the card service provision control unit 130 reduced the monthly discount limit from 7,000 won to 5,000 won. Can be reduced.

The card service provision controller 130 may select an additional affiliate store according to the user's credit rating. For example, if the credit rating of the user is VIP, the card service providing controller 130 may select six affiliated stores from the list of selected service providing affiliates.

The card service providing control unit 130 provides the service target affiliate store information to the user terminal 200.

In one embodiment, the card service providing control unit 130 provides the user terminal 200 with information of the service target affiliate if the service target affiliate exists among the affiliate stores located within a specific range based on the location of the user terminal 200. can do. For example, the card service providing controller 130 may provide the user terminal 200 with a location and a method of accessing Starbucks, which is a service target affiliated store within 100m of the front of the user terminal 200.

3 is a configuration diagram illustrating another embodiment of a card service providing server according to the present invention. The configuration or operation of another embodiment of the card service providing server disclosed in FIG. 3 will be omitted with the same or corresponding description as described above with reference to FIG. 2. However, those skilled in the art will appreciate the alternative embodiment of FIG. I can understand enough.

The card service providing server 100 disclosed in FIG. 3 may further include a service providing history DB 140.

The service providing history DB 140 may store corresponding history information when a service for a card payment amount is provided.

In one embodiment, the service providing history DB 140 may store history information for each user. For example, the service providing history DB 140 may store a use date, a principal, a discount amount, and the like in which the user A discounts the card settlement amount at the service target affiliate store.

Hereinafter, a method of providing a card service will be described with reference to FIGS. 4 to 6. Since the card service providing method to be described later is performed in the above-described card service providing server 100, the contents corresponding to each other will not be overlapped, but those skilled in the art from the foregoing description will be given an embodiment of the card service providing method according to the present invention. You will understand.

4 is a flowchart illustrating an embodiment of a card service providing method according to the present invention. One embodiment disclosed in Figure 4 relates to an embodiment that can provide a service for the card payment amount in the service target merchant.

Referring to FIG. 4, the card service providing server 100 receives a service target affiliate from each of the basic service providing affiliate list and the selected service providing affiliate list (step S410). When the payment by the user's card is executed (step S420), the card service providing server 100 checks whether the affiliated merchant who has performed the card payment is the service target affiliated store (step S430). The card service providing server 100 provides a service for the card payment amount, if the affiliated card payment is performed by the affiliated merchant (step S440).

5 is a flowchart illustrating another embodiment of a card service providing method according to the present invention. The embodiment disclosed in FIG. 5 relates to an embodiment in which a coupon for purchasing a specific product may be provided when a cumulative use amount of a user's card is greater than or equal to a certain amount.

Referring to FIG. 5, the card service providing server 100 calculates a cumulative use amount of a card for a specific period of time (step S510). If the cumulative use amount of the card is more than a certain amount (step S520), the card service providing server 100 determines a coupon for purchasing a specific product according to the cumulative use amount of the card (step S530). The card service providing server 100 provides a coupon for purchasing a specific product to the user terminal 200 (step S540).

6 is a flowchart illustrating another embodiment of a card service providing method according to the present invention. One embodiment disclosed in FIG. 6 relates to an embodiment capable of providing information of a service target affiliated store within a specific range based on a location of a user.

Referring to FIG. 6, the card service providing server 100 collects location information of the user terminal 200 (step S610). The card service providing server 100 determines whether a service target affiliated store exists within a specific range based on the location information of the user terminal 200 (step S620). If the service target affiliate store exists within a specific range based on the location information of the user terminal 200, the card service providing server 100 provides the service target affiliate store information to the user terminal 200 (step S640).

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: card service provider server
110: card management unit
120: Credit Rating Management Department
130: card service providing control unit
140: service providing history DB
200: user terminal

Claims (22)

In the card service providing method executed in the card service providing server connected to the user terminal,
Selecting a service target affiliated store from each of a basic service providing affiliated store list and a selected service providing affiliated store list corresponding to a holding card from a user associated with the user terminal;
Providing a service for a card payment amount when payment by the holding card is executed in the service target affiliate store; And
And providing a coupon for purchasing a specific product to the user terminal when the accumulated use amount of the holding card is equal to or greater than a specific amount.
The method of claim 1, wherein the receiving of the service target affiliated store is selected.
The card service providing method further comprises the step of selecting one of the merchants from the list of basic service providing merchants including at least one of a theme park, an amusement park and an airline.
The method of claim 1, wherein the selection service providing merchant list is
Card service providing method comprising a plurality of affiliated stores classified by industry.
The method of claim 3, wherein the receiving of the service target affiliated store is selected.
The card service providing method further comprises the step of receiving a selection of the five merchants including the merchants of the same industry in the selection service providing merchant list.
The method of claim 3, wherein the receiving of the service target affiliated store is selected.
The method for providing a card service, characterized in that the method further comprises the step of receiving five merchants including merchants of different industries in the selection service providing merchant list.
The method of claim 1, wherein providing the service for the specific amount of money
The card service providing method further comprises the step of providing a service for the card payment amount if the cumulative use amount of the holding card for a certain period or more.
7. The method of claim 6, wherein providing a service for the specific amount of money
And providing at least one of a discount service, a point earning service, and a cashback service for a part of the card payment amount.
8. The method of claim 7, wherein providing a service for the specific amount of money
And providing at least one of a field discount service and a billing discount service for a part of the card payment amount within a discount limit determined according to the cumulative use amount of the holding card. .
The method of claim 1,
And determining a rating of the user according to a cumulative use amount of the holding card for a specific period of time.
10. The method of claim 9,
The card service providing method further comprises the step of providing a service for the card payment amount at the additional merchant according to the user's rating.
The method of claim 1,
And providing the service target affiliate information to the user terminal when the service target affiliate store exists among the affiliate stores located within a specific range based on the location of the user terminal.
In the card service providing server connected to the user terminal,
A card management unit for selecting a service target affiliated store from a basic service providing affiliated store list and a selected service providing affiliated store list corresponding to a holding card from a user associated with the user terminal; And
When the payment by the holding card is executed in the service target merchant, a service for a card payment amount is provided, and when the cumulative use amount of the holding card is equal to or more than a certain amount, a card service is provided. Card service providing server comprising a control unit.
The card management apparatus of claim 12, wherein the card management unit
Card service providing server, characterized in that one member is selected from the list of basic service providing merchants including at least one of a theme park, an amusement park, and an airline.
The method of claim 12, wherein the selection service providing merchant list is
Card service providing server, characterized in that it comprises a plurality of merchants classified by industry.
15. The method of claim 14, wherein the card management unit
Card service providing server, characterized in that for receiving a plurality of merchants including the merchants of the same industry in the selection service providing merchant list.
15. The method of claim 14, wherein the card management unit
Card service providing server, characterized in that receiving the selection of five merchants including merchants of different industries in the selection service provider list.
The method of claim 12, wherein the card service providing control unit
The card service providing server, characterized in that for providing a service for the card payment amount if the cumulative use amount of the holding card is more than a certain amount for a certain period.
The method of claim 17, wherein the card service providing control unit
Card service providing server, characterized in that for providing at least one of a discount service, a point earning service and a cash back service for a portion of the card payment amount.
19. The method of claim 18, wherein the card service providing control unit
And at least one of a field discount service and a billing discount service for a part of the card payment amount within a discount limit determined according to a cumulative use amount of the holding card.
The method of claim 12,
The card service providing server, characterized in that further comprising a rating management unit for determining the rating of the user according to the cumulative use amount of the holding card for a specific period.
21. The method of claim 20, wherein the card service providing control unit
Card service providing server, characterized in that to provide a service for the card payment amount at additional merchants according to the user's rating.
The method of claim 12, wherein the card service providing control unit
Card service providing server, characterized in that to provide the user terminal information of the service target affiliated store if the service target affiliated store among the merchants located within a specific range based on the location of the user terminal.
KR1020120114114A 2012-10-15 2012-10-15 Method of providing card service and apparatus performing the same KR20140048447A (en)

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KR1020120114114A KR20140048447A (en) 2012-10-15 2012-10-15 Method of providing card service and apparatus performing the same

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222172A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method and server for providing mobile coupon service according to card transaction history

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222172A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method and server for providing mobile coupon service according to card transaction history

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