KR20140128105A - System and method for providing benefits of credit card - Google Patents

System and method for providing benefits of credit card Download PDF

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Publication number
KR20140128105A
KR20140128105A KR1020130046850A KR20130046850A KR20140128105A KR 20140128105 A KR20140128105 A KR 20140128105A KR 1020130046850 A KR1020130046850 A KR 1020130046850A KR 20130046850 A KR20130046850 A KR 20130046850A KR 20140128105 A KR20140128105 A KR 20140128105A
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South Korea
Prior art keywords
card
information
user
affiliate
merchant
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KR1020130046850A
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Korean (ko)
Inventor
김은하
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중소기업은행
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Priority to KR1020130046850A priority Critical patent/KR20140128105A/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
    • G06Q20/30—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
    • 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
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • 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
    • G06Q30/0212—Chance discounts or incentives
    • 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
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0261—Targeted advertisements based on user location

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention relates to a service providing method and apparatus for providing benefits at the time of card settlement, and a method of supporting a card benefit service according to an embodiment of the present invention includes receiving code information and a user ID associated with an affiliate store or a product from a user terminal; Requesting a card operator server for card list information and affiliate card information related to the received information; Receiving association card list information and association card information from the card operator server; Providing the user terminal with card list information of the user and at least one affiliate card information associated with the code information; Receiving a merchant payment simulation using the affiliate card from the user terminal; Performing a payment simulation according to the request and providing the simulation result to the user terminal; And receiving affiliate card selection information of the user terminal and updating the user database.

Description

{SYSTEM AND METHOD FOR PROVIDING BENEFITS OF CREDIT CARD}

An embodiment of the present invention relates to a service apparatus and method for supporting a benefit provided by a credit card company. More specifically, when a user recognizes a code of a merchant or a commodity, The present invention relates to a card benefit service support apparatus and method capable of performing settlement with a card that can be used.

Customers are increasingly paying for goods or service fees by credit card instead of cash. In addition, in order to encourage the use of credit cards, dealers and service providers have preliminary agreements with a number of credit card companies.

As a result, credit card companies offer credit card customers discounts or credit points. In addition, credit card companies offer a variety of benefits that provide a variety of benefits, including gifts.

Accordingly, most of the customers pay for the goods they have purchased, or the service fee they use, by paying by using a credit card instead of cash and by using a credit card provided by a card company or card merchant that issued the credit card You will receive various benefits.

On the other hand, with the development of communication technology, electronic commerce in which goods are purchased through a mobile communication network, a desired service is used, and a commodity purchase price or service use fee is paid online is being activated. In this case, the type of credit card to be used for payment, discounts provided according to electronic shopping malls, points to be earned, and various gifts can be provided.

To meet this trend, credit card companies are issuing a number of credit cards to their customers with a variety of benefits. However, customers are not able to grasp card benefits due to the structure of these benefits being too complicated, especially due to the structure of card benefits varying according to the previous month 's performance. When paying for a credit card, various benefits to be provided to the credit card customer are given differently depending on the type of card or the card merchant. Customers can not memorize all of them, so they can not appropriately use their own cards in accordance with the card type, the business type of the merchant, the satisfaction condition of the performance, and the like.

Embodiments of the present invention provide a card benefit service support device capable of performing settlement with a card capable of providing an optimal benefit by a user recognizing a code of an affiliate store or a product as a user terminal and performing simulation of settlement of a merchant or product, Method.

According to a first aspect of the present invention, there is provided a method of providing a card benefits service, the method comprising: receiving code information and a user ID associated with an affiliate store or a product from a user terminal; Requesting a card operator server for card list information and affiliate card information related to the received information; Receiving association card list information and association card information from the card operator server; Providing the user terminal with card list information of the user and at least one affiliate card information associated with the code information; Receiving a merchant payment simulation using the affiliate card from the user terminal; Performing a payment simulation according to the request and providing the simulation result to the user terminal; And receiving affiliate card selection information of the user terminal and updating the user database.

In addition, the simulation result may include a final discount amount and a providing point for each card list held by the user.

In addition, the step of updating the user database may update the payment card information used by the merchant or the merchandise.

Further, the merchant information is calculated based on the location information of the user.

According to a second aspect of the present invention, there is provided a method for providing a card benefits service, the method comprising: recognizing a code associated with a merchant or a product; Decrypting the recognized code and transmitting the code value to the server; Receiving from the server at least one affiliate card information related to the merchant or commodity and a held card list; Performing a merchant payment simulation by combining the received affiliate card information and a card list; Selecting an optimal affiliate card according to the simulation result; And performing a settlement with the selected affiliate card.

In addition, the simulation result may include a final discount amount and a providing point for each card list held by the user.

The method may further include updating payment card information used by the merchant or the merchandise.

Further, the merchant information is calculated based on the location information of the user.

The card benefit service support apparatus according to the present invention includes: a data transmission / reception unit that receives code information associated with an affiliate store or a product from a user terminal, and transmits / receives affiliate card information related to the affiliate shop or product from a card operator server; A simulation unit for performing the merchant settlement simulation using the affiliate card or a merchandise payment simulation to select an optimal affiliate card; A settlement processor for performing mobile settlement using the selected affiliate card according to the simulation result; And a database unit for storing affiliate benefit information and affiliate card information frequently used by the merchant or the merchandise.

In addition, the simulation result may include a final discount amount and a providing point for each card list held by the user.

The embodiments of the present invention have an effect of allowing a user to perform settlement with a card capable of providing an optimal benefit by recognizing a code of an affiliate store or a product as a user terminal and performing a simulation of a merchant payment or a merchandise settlement.

In addition, on the card issuer side, it is possible to provide customer management information that can be used as customer marketing information and selectively receive customer-customized cards by maintaining / managing the affiliate card information frequently used by the customer It is effective.

Also, the user card information is received from the card company in real time without storing the customer card number separately in the user terminal, thereby preventing exposure of the card information due to loss of the terminal.

1 is a configuration diagram of a card benefit service support system according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a configuration of a card benefit service support apparatus according to an embodiment of the present invention.
3 is a configuration diagram sequentially illustrating a card benefit service support method according to an embodiment of the present invention.
FIG. 4 is a configuration diagram sequentially illustrating a card benefit service support method according to another embodiment of the present invention.
5 is a diagram showing an embodiment for displaying a simulation result.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

1 is a configuration diagram of a card benefit service support system according to an embodiment of the present invention.

As shown in FIG. 1, the card benefit service support system includes a user terminal 10, a card benefit service support apparatus 20, and at least one card issuer server 30.

The user terminal 10 is equipped with a communication function and an arithmetic function, and has a function of recognizing a code attached to an affiliate shop or a commodity. That is, a merchant or product information can be extracted by recognizing a bar code, a quick response (QR) code and a three-dimensional code attached to a merchant or a merchandise such as a restaurant, a mart, and a department store through a camera or an image sensor, Merchant information or merchandise information, decodes the recognized code, and transmits the information to the card benefit service support apparatus 20 via the network.

Preferably, the user terminal is a device including a camera or a keypad, a microcomputer, a memory, a communication means, and a display unit such as an LCD, and may include a mobile phone, a smart phone, a laptop, a pop computer, a notebook computer,

The card benefit service support apparatus 20 receives code information and a user ID associated with an affiliate store or a commodity from the user terminal 10 and requests the card company server 30 for card list information and association card information related to the reception information , Receives card list information and affiliate card information related from the card issuer server (30), provides the user terminal (10) with the card list information of the user and at least one affiliate card information associated with the code information, ), Performs a payment simulation, provides a simulation result to the user terminal (10), receives affiliate card selection information of the user terminal (10) and performs settlement, Update the user database.

The card benefit service support apparatus 20 transmits benefit information such as a discount rate, a credit point, and the like, which will be given differently depending on the type of the credit card and the card merchant, through the communication network to the user terminal 10 So that the card user can select and use a credit card that offers more benefits.

The details of the card benefit service support apparatus 20 will be described in detail with reference to the following related drawings.

The card issuer server 30 is a device for issuing and managing a user's card and processing a card settlement, and may be provided for each card operator. The card issuer server 30 includes a database including subscriber credit information, issued card information, and the like.

According to another embodiment of the present invention, the card issuer server 30 may be a bank association or a credit information server.

2 is a block diagram schematically illustrating a configuration of a card benefit service support apparatus according to an embodiment of the present invention.

The card benefit service support apparatus 20 according to the present embodiment includes a data transmission / reception unit 201, a simulation unit 203, a payment processing unit 205, and a database unit 207.

The data transmitting and receiving unit 201 receives code information associated with an affiliate store or a commodity from the user terminal 10 and receives affiliate card information related to a merchant or commodity from the card operator server 30. [ The user terminal 10 may also transmit the card list and affiliate card information held by the user and relay the settlement process for the card settlement between the user terminal 10 and the card operator server 30. [

The simulation unit 301 simulates the discount and point benefit information by combining the card list held by the user and the affiliate benefit information. This allows the user to select a payment method that will receive the best benefits for the merchant or merchandise payment.

For example, when the user visits a merchant shop such as a coffee shop, recognizes the barcode of the merchant through the user terminal, and transmits the barcode to the card benefit service support device 20, the card benefit service support device 20 transmits the bar- And simulates the discount and point benefits provided by the merchant through the simulation unit 301, and delivers the result to the user terminal.

However, according to another embodiment of the present invention, the simulation unit 301 is mounted on the user terminal 10 in the form of an application program so that the user can directly perform the simulation.

The payment processing unit 205 performs mobile settlement using the affiliate card selected based on the simulation result. The settlement processing unit 205 may be included in a server that provides general electronic commerce services or alternatively may be included in a server operated by a specific bank or a specific credit card company. The detailed payment function of the payment processing unit 205 uses a generalized technique, and a detailed description thereof will be omitted.

The database unit 207 stores and manages the affiliate benefit information and the affiliate card information frequently used by the user for each merchant or product. In addition, the payment card information selected by the user may be converted into a database and used as future marketing information.

FIG. 3 is a configuration diagram sequentially illustrating a card benefit service support method according to an embodiment of the present invention, and illustrates an embodiment of performing a card benefit simulation at a user terminal.

First, the user downloads and installs the card benefit service application program from the card benefit service support apparatus 20 to the user terminal 10 in the form of an application. At this time, in order to receive personal information and credit card information, the card benefit service support apparatus 20 provides the user's information providing agreement in the form of a pop-up or message to the user terminal 10 and utilizes the user's credit information in advance User agreement may be obtained.

Thereafter, when the user visits the merchant shop or a merchandise to be purchased exists, the user recognizes the code associated with the merchant shop or merchandise through the user terminal 10 (S301). At this time, it is possible to automatically recognize the barcode in the user terminal 10 and decode it by capturing an image of a barcode or a QR code using a dedicated application program and a camera of the user terminal 10. For example, when a user uses a coffee shop or a large-sized shopping mall, the QR code attached to the store is recognized as a camera of the user's terminal. At this time, the application program installed in the terminal is preferably executed, and barcode recognition and decoding can be automatically performed through a dedicated program of the terminal. The merchant information is coded in the QR code, and the merchant information can be transmitted to the card benefit service support apparatus 20 through code recognition.

In some cases, it is possible to inform or input the merchant information through a location-based service such as GPS or LBS even if there is no QR code or merchant information. That is, it is also possible for the user to select a list of affiliated merchant points based on the current position of the user.

After decrypting the code information, the user terminal 10 transmits the information to the card benefit service support apparatus 20 via the network (S303). At this time, the information delivered to the card benefit service support apparatus 20 includes user information such as a mobile phone number or a user ID, a merchant ID, or a merchandise ID.

The card benefit service support apparatus 20 extracts related information such as card company information on which the user is subscribed based on information received from the user terminal 10 (S305).

Thereafter, the card benefit service support apparatus 20 requests the card company server 30 for the card information held by the user (S307), and receives the card information from the card issuer server 30 (S309). The card company server 30 may be a plurality of card companies. The card beneficiary service support apparatus 20 may collect related information from a plurality of card company servers 30 and provide the collected information to the user terminal 10.

The card benefit service support apparatus 20 lists up the user card information received from the card company server 30 and provides related information such as the benefit service provided by the card to the user terminal (S311).

The user terminal 10 performs a predetermined card benefit service simulation based on the user's possession card list and the affiliate benefit information received from the card benefit service support apparatus 20 (S313).

FIG. 5 is a diagram showing an embodiment showing simulation results.

Referring to FIG. 5, a card list (A card, B card, C card) held by a user is displayed on one side of the screen, and a discount rate and an earning point provided by the merchant can be displayed for each card. In addition, the discount rate and the accumulation point provided by the merchant for each card owned by the user are combined to simulate the overall discount, and the final discount or benefit amount is calculated and provided to the user.

At this time, it is preferable that the order of displayed cards is arranged in the order of highest benefit. The user can select the payment card through touch or keypad operation with reference to the simulation result (S315).

Thereafter, the user terminal 10 requests the card benefit support service apparatus 20 to settle the settlement using the card selected for final settlement (S317).

The card benefit support service device 20 transmits the payment approval information to the user terminal 10 when the final payment approval is completed through the card company (S319). The electronic settlement process of mobile and the like is the same as that of the prior art, and the details thereof are omitted.

On the other hand, the card benefit support service device 20 records the card approval information in the database and utilizes it as information for customer management (S321). In other words, you can periodically provide customers with affiliate benefit information for frequent shoppers or frequent purchases, and provide you with a list of discount cards and affiliated cards for point benefits. It is also possible to support to be issued.

FIG. 4 is a configuration diagram sequentially illustrating a card benefit service support method according to another embodiment of the present invention.

The present embodiment differs from the embodiment of FIG. 3 in that the card benefit simulation is performed in the card benefit service support apparatus 20 instead of in the user terminal 10. That is, when the card benefit service support apparatus 20 lists up the user card information received from the card company server 30 and provides related information such as the benefit service provided by the card to the user terminal (S311) The user terminal requests simulation to the card benefit service support apparatus 20 at step S413, instead of performing the simulation at step S10.

The card benefit service support apparatus 20 requested to simulate the user terminal 10 performs a simulation through the simulation unit 203 (S415), and provides the simulation result to the user terminal (S417).

5, the card list (A card, B card, C card) held by the user is displayed on one side of the screen, and the discount rate provided by the merchant , Earned points, and simulation results, the final discount or benefit amount can be calculated and displayed.

At this time, it is preferable that the order of displayed cards is arranged in the order of highest benefit. The user can select the payment card through touch or keypad operation with reference to the simulation result (S315). The subsequent steps are the same as those in Fig. 3, and detailed description thereof will be omitted.

On the other hand, the card benefit service support apparatus 20 updates and manages the card approval information in the database 207, so that the system operator or card company can analyze and understand the tendency of the customer by utilizing the database of the customers, It can also be used to provide card merchandise.

On the other hand, if the representative card possessed by the user is a mobile card, the user terminal 10 may include a mobile card existing in the application. Also, the user terminal 10 may include a smart card for mobile card settlement. The smart card may store various credit card information, prepaid card information, membership, point or coupon information related to the user of the user terminal 10 so as to perform credit payment or prepayment when the user pays the price of the commodity have. Such a smart card may be implemented on a Universal Subscriber Identity Module (USIM) card provided in the user terminal 10. [ If the user terminal 10 is a smartphone, it can be settled with a card present on the smartphone application. This eliminates the need for users to carry multiple cards in their wallets.

Meanwhile, the above-described card benefit service support method can be implemented by a software program and recorded on a predetermined recording medium readable by a computer.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

10: User terminal 20: Card benefit service support device
30: Card issuer server 201: Data transmission /
203: Simulation unit 205: Payment processing unit
207:

Claims (10)

Claims [1] A method for providing a service at a time of payment,
Receiving code information and a user ID associated with a merchant or merchandise from a user terminal;
Requesting a card operator server for card list information and affiliate card information related to the received information;
Receiving association card list information and association card information from the card operator server;
Providing the user terminal with card list information of the user and at least one affiliate card information associated with the code information;
Receiving a merchant payment simulation using the affiliate card from the user terminal;
Performing a payment simulation according to the request and providing the simulation result to the user terminal; And
Receiving affiliate card selection information of the user terminal and updating the user database
How to Apply for a Card Benefit Service.
2. The method according to claim 1,
And a final discount amount and a provision point for each card list held by the user.
2. The method of claim 1, wherein updating the user database comprises:
And updating the payment card information used by the merchant or the merchandise.
The method according to claim 1,
And calculating the location information based on the location information of the user.
Claims [1] A method for providing a service at a time of payment,
Recognizing a code associated with the merchant or merchandise;
Decrypting the recognized code and transmitting the code value to the server;
Receiving from the server at least one affiliate card information related to the merchant or commodity and a held card list;
Performing a merchant payment simulation by combining the received affiliate card information and a card list;
Selecting an optimal affiliate card according to the simulation result; And
Performing payment with the selected affiliate card
How to Apply for a Card Benefit Service.
6. The method according to claim 5,
And a final discount amount and a provision point for each card list held by the user.
6. The method of claim 5,
And updating the payment card information used by the merchant or the merchandise.
6. The method according to claim 5,
And calculating the location information based on the location information of the user.
A data transmitting and receiving unit for receiving code information associated with an affiliate store or a commodity from a user terminal and transmitting and receiving association card information related to the merchant or commodity from a card operator server;
A simulation unit for performing the merchant settlement simulation using the affiliate card or a merchandise payment simulation to select an optimal affiliate card;
A settlement processor for performing mobile settlement using the selected affiliate card according to the simulation result; And
A database unit for storing affiliate benefit information and affiliate card information frequently used by the user by the affiliated store or the product
Card benefit service support device.
10. The method according to claim 9,
And the final discount amount and the providing point are included in the card list held by the user.
KR1020130046850A 2013-04-26 2013-04-26 System and method for providing benefits of credit card KR20140128105A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101681534B1 (en) * 2015-07-29 2016-12-01 한림성심대학교 산학협력단 Recommendation system for payment
KR20170017228A (en) * 2015-08-06 2017-02-15 에스케이플래닛 주식회사 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
WO2017126712A1 (en) * 2016-01-19 2017-07-27 엘지전자 주식회사 Smart device and method for controlling same
WO2017222173A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method and card company server supporting selection of partner service

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101681534B1 (en) * 2015-07-29 2016-12-01 한림성심대학교 산학협력단 Recommendation system for payment
KR20170017228A (en) * 2015-08-06 2017-02-15 에스케이플래닛 주식회사 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
WO2017126712A1 (en) * 2016-01-19 2017-07-27 엘지전자 주식회사 Smart device and method for controlling same
WO2017222173A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method and card company server supporting selection of partner service

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