KR20140137883A - Method and apparatus for providing information based on card spending data - Google Patents

Method and apparatus for providing information based on card spending data

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Publication number
KR20140137883A
KR20140137883A KR1020130059094A KR20130059094A KR20140137883A KR 20140137883 A KR20140137883 A KR 20140137883A KR 1020130059094 A KR1020130059094 A KR 1020130059094A KR 20130059094 A KR20130059094 A KR 20130059094A KR 20140137883 A KR20140137883 A KR 20140137883A
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KR
South Korea
Prior art keywords
information
card
merchant
providing
customer
Prior art date
Application number
KR1020130059094A
Other languages
Korean (ko)
Inventor
안인성
최명숙
Original Assignee
현대카드 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 현대카드 주식회사 filed Critical 현대카드 주식회사
Priority to KR1020130059094A priority Critical patent/KR20140137883A/en
Publication of KR20140137883A publication Critical patent/KR20140137883A/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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0255—Targeted advertisements based on user history
    • 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
    • G06Q30/0269—Targeted advertisements based on user profile or attribute

Abstract

The present invention relates to a method and an apparatus for providing information to a card issuer server for providing information using card usage information. The card usage information is analyzed according to a predetermined category, And generates and stores statistical information according to the category, and then selects and provides at least a part of the stored statistical information according to the request of the received merchant information through the customer terminal provided with the information providing application of the card company.

Description

TECHNICAL FIELD [0001] The present invention relates to a method and apparatus for providing information using card usage information,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for providing information using card spending data, and more particularly, to an information providing method and apparatus for providing information analyzed on the basis of card usage information to a terminal.

Recently, the Internet portal site provides a service for displaying a list of recommended sites or merchants to the user. In addition, a service for providing restaurant recommendation information or coupons to a customer through a specific homepage has been widely spread.

Meanwhile, as the number of users of portable devices has rapidly increased, a lot of applications for mobile devices, such as restaurants, academies, etc., have been provided depending on the location of a user using the portable device.

Most of these services provided in a portable device or a personal computer environment are often a list of businesses that are specific to the user in order of accuracy, order of review, rating of the search terms entered by the user, In the case of selecting the contents, only the general merchant information (for example, business hours, telephone numbers, menus, etc.) and information about the degree of customer review are presented.

As described above, conventionally, only general merchant information and user's reviews or ratings can be presented. Since such reviews and ratings are subjective evaluations of some users, there is a problem that information lacking objectivity is provided.

Also, since the information provided does not reflect the actual usage of the franchisees or the tendency of the users, it does not satisfy the user's desire for the objectified information.

According to the present invention, on the basis of the fact that most of the modern people spend on a card, the card-use customer can analyze the information in various ways based on the card usage information, And to provide a method and apparatus for providing information.

The present invention provides an information providing method of a card issuer server for providing information by using card usage information including a settlement history in which a card user has actually paid a card, wherein the card issuer server receives the card usage information, Calculating statistical information on the basis of the merchant business type and the card using customer, receiving the merchant store information request from the customer terminal through the communication means in the card issuer server, And selectively providing the calculated statistical information.

As such, it is possible to provide customized information by analyzing card usage information and generate statistical data, and selectively provide a part of the information according to the user information of the customer terminal. Since the information is analyzed based on the actual sales amount and the like, Can be provided.

Optionally, the method further comprises receiving customer application information including interest area or food of interest from at least one customer terminal, and generating statistical information using the customer application information and the card usage information can do. Through the voluntary participation of customers, it can reflect the preference of customers by using card usage information together with the information voluntarily provided by customers.

Optionally, the customer terminal may change the skin color of the information providing application execution screens according to the card setting information when the information providing application is running, the card setting information is included in the user information of the customer terminal, To provide at least some statistical information and merchant benefit information. This is to provide a user interface (e.g., color) and information customized for the card product set by the customer. In this way, not only the user can easily recognize the card information currently set by the user, You can see only the benefits, so you can see the information you want.

According to another aspect of the present invention, there is provided an information providing apparatus of a card issuer server for providing information using card usage information, the information providing apparatus comprising: at least one card use information analyzing unit for analyzing at least one of the card usage information according to a predetermined category, And a communication means for receiving a request for merchant information via a processor for generating statistical information, a database for storing the statistical information, and a customer terminal equipped with a card company information providing application, The at least one of the stored statistical information is selected in the database based on the included user information of the customer terminal and the selected at least some statistical information is provided to the customer terminal through the communication means.

According to the present invention, it is possible to provide customized information to the customer by analyzing the card usage information to generate statistical data and selectively providing a part of the statistical data generated according to the user information of the customer terminal. In addition, since the information is analyzed based on the actual number of card sales, it is possible to provide information with objectivity. According to the embodiment, statistical data can be generated by using the card usage information together with the information voluntarily provided by the card customer so that the subjective evaluation of the customers can be reflected.

According to an embodiment of the present invention, the skin color of the information providing application is changed according to the card setting information, and only the benefit information for the selected card is provided, so that the user can easily recognize the card information currently set by the user In addition, you can only see the benefits of the card.

1 shows an information providing system according to an embodiment of the present invention.
2A and 2B are diagrams illustrating analysis categories of usage information according to an embodiment of the present invention.
3 is a view for explaining a method for calculating statistical information based on card usage information in a processor in a card issuer server for an information providing method according to an embodiment of the present invention.
4 is a diagram showing the order in which the member shop list is provided.
FIG. 5 illustrates statistical information provided to an information providing application of a customer terminal according to an embodiment of the present invention.
Figure 6 illustrates a change in the interface skin color as a result of selecting card configuration information in accordance with an embodiment of the present invention.
FIG. 7 illustrates statistical information provided along with point of interest (POI) information on a map according to an embodiment of the present invention.
8 is a screen for providing a merchant reservation service according to an embodiment of the present invention.
FIG. 9 shows a merchant store reservation screen according to an embodiment of the present invention.
Like reference numbers in the several drawings indicate like elements.

In this specification, a plurality of customer terminals 110, 120, and 130 and a card issuer server 200 can transmit and receive data through wireless communication using a 3G network, WiFi, LTE, and the like. The plurality of customer terminals 110, 120, and 130 may be smart phones equipped with hardware and software capable of executing applications provided by card companies. A smart phone is a mobile communication terminal having strong performance comparable to that of a computer and having mobility due to a network function. Hereinafter, it is assumed that the customer terminals 110, 120, and 130 are smart phones.

For reference, an application that can be installed and operated on a smart phone is a kind of software operating on an operating system (OS), and is a program designed to directly perform a specific function for a user or another application program. Application data, system data, and the like are recorded and stored in a predetermined programming language (for example, C language or Java (JAVA)) on a computer-readable recording medium. Application data refers to data having a program function implemented so as to enable interaction with a user, and system data refers to data including application management information and the like. And information for implementing other additional functions can be stored in the recording medium.

1 shows an information providing system according to an embodiment of the present invention. The information providing system of the present invention is a system for providing information to customer terminals 110, 120 and 130 using card usage information and includes at least one customer terminal 110, 120 and 130, 120, and 130 that are connected to the network. Also, although not shown, a merchant server or a plurality of merchant terminals that provide card usage information of the card user to the card issuer server 200 may be included.

The card issuer server 200 may be a server operated by a card company issuing a payment card such as a credit card or a cash card. The card issuer server 200 can store card information, card usage customer information, and the like. For example, the card issuer server 200 can store and store card information and information such as an activity area, a preferred business category, age, sex, and occupation of a customer who uses the card.

The card issuer server 200 according to an embodiment of the present invention provides statistical information to a customer terminal based on card usage information. Description of the functions of the card issuer server 200 that provides a general settlement service will be omitted.

In this specification, the card usage information may include payment information in which a customer who is a card user has paid a card at a particular merchant. The card usage information may include the location of the merchant where the payment has been made, the merchant category, and the information of the card user. The card usage customer information may be included in the card usage information and may be provided to the card issuer server 200. Alternatively, the card usage customer information may be matched with the card usage customer information already stored in the card issuer server 200, It is possible.

According to an embodiment of the present invention, card usage information may be collected in the card issuer server 200 in real time or periodically every time a card settlement occurs. The card usage information may be provided from a merchant server or a plurality of merchant terminals of a card company.

Card issuer server 200 may include a processor, a database, and communication means. Card issuer server 200 may collect card usage information in advance and store it or may receive and process it in real time.

The card issuer server 200 stores the collected card usage information and analyzes the card usage information using a processor to provide the collected card usage information to the customer terminal.

The processor may analyze card usage information for a predetermined category. A method of analyzing the card usage information of the processor will be described in detail with reference to FIG. 2 and FIG.

Card issuer server 200 generates statistical information for each category through a processor. Card usage information may be analyzed by certain categories, or may be totally analyzed and sorted by category. For example, when the card usage information is stored for the corresponding category, since the number of sales is the number of card usage information, the number of sales can be calculated using the accumulated usage information for each category. In one embodiment, the ratio of the number of visitors using the actual card can be calculated for each business category by counting the number of sales for the business category of the merchant.

The statistical information is stored in the database of the card issuer server 200. When the request for the merchant information is received from the customer terminal through the communication means, the card issuer server 200 stores the statistical information .

For example, when the communication means of the card issuer server 200 receives the merchant store information request from the customer terminal, the processor calculates at least some of the statistical information stored in the database, for example, The card usage information corresponding to the category corresponding to the user information may be selected and the statistical information calculated using the selected card usage information may be transmitted to the client terminal.

In another embodiment, the card usage information corresponding to the category may be selected in advance according to the number of possible user information combinations, and the calculated statistical information for each category may already be stored in the database. Therefore, when the communication means of the card issuer server 200 receives the merchant information request from the customer terminal, the statistical information already calculated and stored based on the card usage information corresponding to the category matching the user information is immediately transmitted to the customer terminal Lt; / RTI >

The user information may be card information set by the user, a search word input by the user, or location information of the user. For example, when the user information is the location information of the user, a part of the statistical information about the franchisee near the location can be selected based on the location information, and the statistical information can be listed and provided in the visitor order. At this time, it is possible to set up a recommendation for a customer who requested the merchant information, except for a merchant who has visited within a certain period of time in recent years. For example, a customer may refer to a customer within three months, except for a visit.

In another embodiment, based on the statistical data, it is possible to generate and provide a list of restaurants classified by popular area or cuisine menu related to the latest food. It can also provide monthly and weekly lists based on popular search terms on a portal site (e.g., Google) as well as card usage information.

In another embodiment, it is possible to select and provide hotspots of restaurants preferred by customers whose sales frequency and sales amount are both in the highest (e.g., top 5%) in the major hotspots (e.g., Samcheong-dong, Seoul) . The card usage customer information for the customers whose sales frequency and sales amount are both in the highest level are extracted from the database of the card usage customer in the card company server 200 and the card usage information of the selected card usage customers is utilized statistically .

The list of the franchisees selected as the hot place can provide a list of only hot places to the user of the customer terminal at a specific location based on the user information of the customer terminal included in the merchant information request.

In another embodiment, the franchisees selected as hotplays may be provided to indicate to the respective franchisee information that they are hotplays in the process of selectively providing the statistical information to the customer.

In another embodiment, the statistical information may include average payment amount information, cross recommendation information, corporation card usage information, or new restaurant information for the merchant. That is, through the analysis of the card usage information, it is possible to provide an average payment amount (ticket size) spent per payment at each merchant. The average settlement amount can be calculated by averaging all the settlement amounts at the merchant, or by graphing the distribution interval by amount and selecting the interval having the largest ratio.

When the average payment amount is provided to the user, the user can obtain information on the price even if the user does not search the average price range to be paid at the merchant through additional search.

In addition, in addition to the information provided by the present invention, it is possible to provide statistical information about another place frequently visited by the current place visitor, the place which goes the most after the current place visit. In addition to the information provided for the request of the customer terminal, the list of related information can additionally be displayed. Even if the user who is not satisfied with the presented information does not perform additional search (or information request) .

As another embodiment, the card issuer server 200 may analyze the usage status of the corporate card using the card usage information. Based on the corporate card card usage information, for example, the corporate card is mainly used in non-franchise restaurants, and according to the information that it is widely used in Korean, Chinese, and eclipse-oriented merchants, , A Chinese-style house, or a Japanese-style house), it is possible to add the order of the corporate card visitor in the visiting order, and to enable the filtering. Also, it is possible to present the order of corporate card visitors, not limited to a specific group. By analyzing the card usage information of the corporation card, it is possible to provide a favorite place for a drinking party or a corporation as a theme, so that various utilization of the card use information can be expected.

In addition, according to analysis and statistics of the card usage information, new popular restaurants can be selected based on the sales information, and new popular restaurants can be presented as separate filtering items. As a result, the present invention is characterized by being able to provide verified and reliable information, unlike the unverified information of other tasting service.

As described above, the card usage information can be utilized as the information that best reflects the actual usage information. By utilizing such information, the card usage information can be used without departing from an existing customer review, a rating, or a merchant list (for example, a restaurant list) It has the advantage of being able to provide a variety of information that is objective and optimized for customers.

Meanwhile, the customer terminals 110, 120, and 130 are devices in which information providing applications that are produced or managed by the card issuer server 200 are installed and executed. The customer terminals 110, 120, and 130 execute the installed information providing application and receive information from the card issuing server 200 in response to the information request. Information displayed on the customer terminal through the information providing application will be described in more detail with reference to FIGS. 5 to 9. FIG.

2A and 2B show an analysis category of card usage information according to an embodiment of the present invention. The categories shown in Figs. 2A and 2B are exemplary categories set in the card issuer server 200 for analyzing the card usage information, and are not limited to the categories shown in Figs. 2A and 2B.

Referring to FIG. 2A, the category for analyzing the card usage information may include a main activity / residence area, cuisine, age, sex, marital status, occupation, annual income, and percentage of settlement of eating out money. These categories may correspond to the information of the card users themselves. As described above, the card usage customer information is managed by the card issuer server 200 in correspondence with the card usage customer ID included in each card usage information, or all information of the card usage customer is included in the card usage information itself It is possible.

Details of these categories are included below. For example, preferred cooking may include Korean food, Japanese food, style, and the like. The category mainly relates to the expenditure information of the user using the card. When the card company server 200 receives the card use information, the main activity area, age, sex, occupation, and payment for the outsourcer Weight, and the like, and stores the card in association with the spent merchant information. For example, the card issuer server 200 receives the card usage information settled at the merchant A through the communication means. The processor of the card issuer server 200 analyzes the card usage information received, preferring to be active in Yeongdeungpo-gu, preferring Korean food, earning an annual income of less than 50 million won, using 3 series cards, paying 25% You can store it as an affiliate shop. As described above, card usage information may be included in the card usage information. However, various information of the card usage customer is managed and stored in the database in the card issuer server 200, and the information is searched and matched with the card usage information It is possible.

The information providing method according to an embodiment of the present invention can provide objective and highly reliable information as to what kind of people actually use the franchisee.

As another example, referring to FIG. 2B, in addition to the categories shown in FIG. 2A, a category (e.g., a region of interest, a detailed cuisine item (cuisine)) for information received from a user of a customer terminal Can be used. The use of additional categories is achieved through voluntary participation of users. That is, the user of the customer terminal can voluntarily select the area of interest and the detail cooking item in the information providing application, and the card issuer server 200 receives the information through the communication means, The information provided to the customer terminal can be processed through the processor.

Voluntary participation from the user of the customer terminal can be collected through various routes such as SMS, SNS or e-mail in addition to the information providing application, and additional customer information can be collected in addition to the card usage information.

The card issuer server 200 may merge the collected categories into existing categories (i.e., the categories shown in FIG. 2A), analyze them through the processor, store them in the database, manage the additional information separately from the existing categories have. By analyzing based on such card usage information, it becomes possible to provide personalized optimal information for individual customers.

3 is a diagram for explaining a method for calculating statistical information based on card usage information in a processor in a card issuer server 200 for an information providing method according to an embodiment of the present invention.

The processor included in the card issuer server 200 can read and process the card usage information received through the communication means from the database or process the card usage information received in real time via the communication means.

The card usage information can be accumulated according to the number of card settlements, and the distribution of the number of franchisees according to the cumulative number of the franchise stores is shown in a normal distribution graph as shown in FIG.

Through the normal distribution graph, the total number of settlement transactions for the merchant can be converted into a percentage, and the rank of the merchant can be converted based on the predetermined normal distribution value. The normal distribution analysis can be made in a specific category, for example, in the same area or the same industry.

As shown in FIG. 3, when the total number of sales is normally distributed, the upper 4% is ranked 1, the upper 4% to 27% is ranked 2, the upper 27% to 73% is ranked 3, You can calculate your grade by setting% to 4 and lower 4% to 5. However, this is only an example, and the evaluation of the visit grade of the merchant is not limited thereto.

The processor of the card issuer server 200 can analyze the grade for each merchant through the standard distribution and how many percent of the merchants belong to the highest number of settlement transactions. The card issuer server 200 can sequentially provide the merchant list to the customer terminal based on the analysis result.

4 is a diagram showing the order in which the member shop list is provided.

Referring to FIG. 4, the merchant list is exemplarily provided for the entire region and industry.

For example, as described with reference to Fig. 3, the visiting net percentiles in the same industry and the same industry are determined based on the number of sales of merchandise A and merchant F, respectively. The visiting class is calculated according to the visiting net percentile.

Therefore, all of the merchants A to E are all merchants having a first-class visitor grade, and the alignment among the merchants is determined according to the percentile within the same region and the same industry. That is, they can be sorted based on the percentile rather than the number of sales within the same rating. For example, the number of sales is the highest in A merchants, but the top 3% in terms of percentiles, because it is higher in percentage of D merchants and E merchants. If the franchisees are aligned based only on the number of sales, only the franchisees of a specific business type having a relatively large number of cards can be arranged in the upper part. Thus, according to one embodiment of the present invention, merchants can be sorted based on the visiting grade and the percentile.

When the sorting of the merchant A or merchant A within the same visiting grade is completed, the merchant G and the merchant F of the second grade may be sorted based on percentiles.

As described above, according to an embodiment of the present invention, after analyzing the business type and location information of the merchant included in the card use information and performing a normal distribution analysis for each category, they are sorted according to percentiles and / Can be provided.

FIGS. 5 to 9 are views showing embodiments of information provided to the customer terminal from the card issuer server 200. FIG.

FIG. 5 illustrates statistical information provided to an information providing application of a customer terminal according to an embodiment of the present invention. The embodiments of providing information shown in FIG. 5 are shown by outputting the information provided from the card issuer server 200 through the information providing application in response to the customer's merchant information request.

In one embodiment, the merchant information may be requested based on the location information of the customer terminal. At this time, in response to the merchant information request, the credit card company server 200 senses the location of the customer and selectively provides the merchant information located around the sensed location (e.g., a radius of 500 m).

Referring to the first embodiment 510 of FIG. 5, for example, a franchise within a radius of 200 m recommended on the basis of a location of a customer is arranged and provided in order of visitors. As described above with reference to Fig. 4, the visitor rank order can be sorted based on the actual number of sales in the same area and the percentile of each merchant in the same industry.

As described above, the number of visitors is based on the number of card sales derived using the card usage information. In this case, the number of card sales may be the number of sales of a specific card company or a plurality of card companies, Can be filtered.

According to an embodiment, the merchant information may be arranged in visitor order, or may be arranged differently according to the main visit age, card benefits, and the like. The sort order of the merchant is selected through the customer terminal, and such selection information may be included in the merchant request information.

In another embodiment, the card issuer server 200 may receive the customer application information including the region of interest or the food of interest from the customer terminal, and may selectively provide the merchant information based on the customer application information.

This can be understood as a concept similar to filtering of only a few merchants in the merchant list. The present invention is not limited to the location of the customer terminal but can provide only the franchisees of the customer's interest region or selectively provide the list of the franchisees of interest based on the location of the customer.

For example, the card type set as shown in the second embodiment 520 may be changed according to the user's selection. That is, the number of sales based on the card usage information is selectively sorted according to the card type, and accordingly, the listing of the merchant stores may be different. When a specific card is selected through the customer terminal, the card selection information is included in the customer request information and provided to the card company server 200, and the processor of the card company server 200 selects the card usage information The statistical data can be regenerated based only on the statistical data. According to the embodiment, selecting a specific card through the customer terminal may be included in the merchant information request.

On the other hand, as shown in the first embodiment 510 of FIG. 3, the information presented to the customer terminal for the first time is displayed in a list form, and only a part of the statistical information can be displayed. Also, the display order of the list items can be implemented so that they can be filtered or rearranged according to visitor order, week visiting age, or card benefits. Detailed information can be displayed when a specific merchant item is selected by the customer's input (selection), and the detailed information includes detailed information of the statistical information provided by the card issuer server 200 of the present invention Third embodiment (530)).

The third embodiment 530 displays detailed statistical information. For example, the third embodiment 530 may include sex, age, re-visit rate within 3 months, statistical information on occupation, etc., as shown. This statistical information is the merchant information that can be additionally provided through the selection of the merchant in the first or second embodiment 510, 520. For example, the merchant information can provide the number of sales in the form of bar by a certain category.

As described above, since the statistics using the actual card usage information by category are provided, objectivity and reliability are guaranteed, and the present invention provides the customer with easy reference to the statistical data.

Figure 6 illustrates a change in the interface skin color as a result of selecting card configuration information in accordance with an embodiment of the present invention. For convenience of explanation, the M card and the purple card issued by Hyundai Card Co., Ltd. in Korea are used as an example.

In one embodiment, the present invention can change the skin color (i.e. UI (user interface) color) of the information providing application of the present invention according to the card setting information set by the user of the customer terminal. As shown in FIG. 6, there may be a basic screen of the information providing application of the card company, and the customer terminal user can change all or part of the skin color of the application by setting a specific card as a card of interest or a card of possession. For example, if you select the M card, you can change the entire application skin to the actual card color of sky blue. If you select Purple card, you can change the application skin to purple, the actual card color. This color change allows the user to easily recognize the card currently set by the user.

When the skin color is changed, the card issuer server 200 can provide various information in the background of the selected skin color when providing information to the customer terminal. That is, although the skin color may be set in the customer terminal, the card company server 200 may provide information reflecting the skin color to the information provided to the customer. For example, when the card issuer server 200 selectively provides the merchant information, it is possible to provide not only the merchant information but also the information of the background screen for displaying merchant information. It is possible to provide information reflecting the color.

Also, when the use card is set, when using the menu included in the application, the information related to the selected card can be selectively provided. In one embodiment, after the customer terminal sets up the card, the card setting information may be transmitted together with the card issuer server 200 when the information is requested, and the card issuer server 200 transmits the card setting information Only the information can be extracted and provided to the customer terminal.

In another embodiment, the information providing application running on the customer terminal itself may be configured to recognize the card setting information and selectively output only the information corresponding to the card information. For example, as shown in FIG. 6, when the card benefit information is selected from the detailed information on specific merchant information, only the benefits corresponding to the M card may be displayed, or only the benefits corresponding to the purple card may be provided.

In addition, by changing the skin color and selectively outputting the information, the user of the information providing application can easily receive only the information corresponding to the card set by the user, and it is inconvenient to find the information corresponding to the user out of the unnecessary information Can be solved, and only optimized information is provided.

FIG. 7 illustrates statistical information provided along with point of interest (POI) information on a map according to an embodiment of the present invention. According to an embodiment of the present invention, when information corresponding to a request of a customer terminal is provided using card usage information, information can be provided in connection with a search and guidance function of a portal site.

The portal sites map the search results on the map when searching the user, and can display the search results according to customer reviews or ratings. However, customer reviews or ratings are often subjective, and if a single user gives a rating of 10, the merchant will be placed in the highest position with a score of 10, which may result in a lack of credibility in the cataloging order.

Therefore, the present invention can catalog the information to be provided to the customer using the card usage information analysis for the purpose of providing objectified information. For example, if the customer inputs the word " Yeoksam station spaghetti blind date ", as shown in FIG. 7, the user can use the database of the portal site or the database of the card issuer server 200, Of restaurants in the second half of the twenty-second period can list restaurants that are most frequently searched by women in their late twenties, have a high revisit rate, or are newly rising sales. It is also possible to display the location by matching with the POI information on the map so that the location can be easily found.

In one embodiment, the card usage information may be analyzed and utilized in connection with contents such as keyword dictionary of company G. (For example, age, occupation, sex), the purpose of visiting (for example, a party, a blind date, a meeting, etc.) , The characteristics of the card (play room, parking, valet, 24 hours, etc.), and when the search for the keywords is requested, information is provided according to statistics to input various search words Detailed and accurate information can be provided.

The card issuer server 200 according to an embodiment of the present invention can provide a merchant reservation service through an information providing application running on a customer terminal.

8 is a screen for providing a merchant reservation service according to an embodiment of the present invention.

Referring to FIG. 8, a list of franchisees is provided through a customer terminal. It has been described that a list can be provided in a sorted order.

When the user selects one of the merchant points, detailed information on the corresponding merchant point is provided. Details may include merchant phone numbers, locations, internal images, and so on.

If the user wishes to make a reservation at the merchant, a specific active object such as an icon is selected, and a reservation screen is provided to input the reservation date and time, the reservation number, the reservation information, and the like.

The input information of the user can be provided to the merchant through the card issuer server 200. The merchant reservation can be smoothly performed when information is transmitted in real time between the merchant and the card issuer server 200.

By providing information to the customer terminal by the card issuer server 200, the customer terminal can provide the reservation service.

Through the reservation service, the user can receive the merchant list through objective information according to the card usage information, and confirm detailed information of the merchant. In addition, if the user desires to reserve the merchant, the merchant can be booked immediately during the search. Therefore, it is possible to reserve a franchise through a simple procedure.

9 is a detailed view of a merchant reservation in accordance with an embodiment of the present invention. In an embodiment of the present invention, a method of providing information of a card company using card usage information such as the present invention can be implemented so that a desired seat can be designated by looking at a seating configuration diagram of a store when reserving an affiliated store .

As shown in FIG. 9, the two-dimensional configuration of the store and the photographs in the actual store are matched to show a user who wants to book a reservation, so that he / she can look at the seating configuration in the actual store, I have. In the past, it was possible to book a place designated by a clerk by simply making a phone reservation. However, it is possible to look directly at the store photographs on the customer terminal, to view the seat composition chart of the entire store, to designate the desired seat, and to accurately predict the position, view, seat type,

The present invention has been described in detail in the foregoing specific examples for purposes of clarity, so that the components, their connections and relationships, and their functions, as set forth herein, are meant to be exemplary only. In the present invention, the customer terminals 110, 120, and 130 may be implemented as various types of mobile devices or computing devices. Also, although the components, the processor, the communication means, and the database included in the card issuer server 200 are embodied as being physically integrated in this specification, each component may be physically separated as needed or one or more components may be integrated As shown in FIG.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the inventions. It is clear to those who have knowledge of. Accordingly, it is intended that the present invention cover modifications and variations of this invention provided they fall within the scope of the following claims.

110, 120, 130: customer terminal
200: card company server

Claims (16)

A method of providing an information of a card company server in which information is provided based on card usage information including a payment history of a card user who paid an actual card,
Receiving, by the card issuer server, the card usage information and calculating statistical information for each of the merchants receiving the card usage information by category;
Receiving a merchant information request from a customer terminal through communication means in a card issuer server; And
And selectively providing the calculated statistical information through the communication means based on the merchant information request. The method according to claim 1,
Wherein the merchant information request includes user information of the customer terminal. The method according to claim 1,
Further comprising receiving evaluation information on the franchisee from the customer terminal,
Wherein the step of calculating the statistical information for each category reflects the evaluation information. The method according to claim 1,
Receiving customer application information including a region of interest or a food of interest from the customer terminal; And
And selectively providing merchant information based on the customer application information from the calculated statistical information. The method according to claim 1,
Wherein the category for analyzing the card usage information includes at least one of a main activity area, a residential area, a preferred food, an age, sex, marital status, occupation, annual income, Delivery method. The method according to claim 1,
The step of calculating statistical information for each category may include:
And classifying the card usage information according to the categories and calculating a rating based on the predetermined percentile value. The method of claim 6,
The step of selectively providing the statistical information may include:
Arranging the franchisees based on the estimated grade and percentages; And
And filtering and providing the franchisees based on the ordered merchant information request among the ordered merchant franchises. The method of claim 7,
And providing additional information about the franchisees based on the selection of the terminal user for the sorted franchisees. The method of claim 8,
Wherein the additional information on the franchisees includes at least one of an average payment amount, a sex ratio, an age group, a job group, and location information. The method according to claim 1,
Card setting information is included in the user information of the customer terminal,
Wherein the step of selectively providing the calculated statistical information comprises:
Determining a skin color of the information providing application execution screens based on the card setting information in the client terminal;
Selecting the statistical information based on the card setting information; And
And providing the selected statistical information as a background of the determined skin color screen. The method of claim 10,
And providing merchant benefit information based on the card setting information. The method according to claim 1,
Wherein the step of calculating the statistical information includes a step of analyzing the number of sales based on the card usage information for each category,
Wherein the step of providing the statistical information selectively provides the number of sales according to the number of sales in the form of a bar. The method according to claim 1,
Wherein the merchant information request includes selection information of a user of the customer terminal for at least one of a visitor order, a major visiting age range, and a card benefit. The method according to claim 1,
Wherein the calculated statistical information includes average payment amount information, cross recommendation information, corporation card usage information, or new restaurant information at an affiliated store where the card is settled. The method according to claim 1,
Wherein the step of selectively providing the calculated statistical information comprises:
And providing the map information of the merchant included in the calculated statistical information together. An information providing apparatus of a card issuer server for providing information using card usage information,
A processor for analyzing at least one of the card usage information according to a predetermined category to generate statistical information according to the category of the card usage information;
A database for storing the statistical information; And
And communication means for receiving a request for merchant information via a customer terminal provided with an information providing application of a card company,
Wherein the processor selects at least a part of the stored statistical information in the database based on the user information of the customer terminal included in the request of the merchant information and transmits the selected at least some statistical information to the customer And provides the information to the terminal.
KR1020130059094A 2013-05-24 2013-05-24 Method and apparatus for providing information based on card spending data KR20140137883A (en)

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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101647383B1 (en) * 2015-03-17 2016-08-23 (주)누벤트 Method and system for managing sales data
KR20160113068A (en) * 2015-03-17 2016-09-28 (주)누벤트 Method and system for managing sales data
KR20170001535A (en) * 2015-06-25 2017-01-04 (주)누벤트 User device, server and computer program for providing real-time store data
KR101723138B1 (en) 2015-12-14 2017-04-04 (주)케이솔루션 Card member store payment transmission service system and the method thereof
KR20180074085A (en) * 2016-12-23 2018-07-03 주식회사 이팝콘 System and method for providing user's spending details using payment messages
KR101894678B1 (en) * 2017-11-27 2018-09-04 곽수용 Customer-seller centered fitting service method through consumption pattern analysis based on food order
KR20190092122A (en) * 2018-01-30 2019-08-07 현대카드 주식회사 Method for recommending hot websites and server using the same
KR102090282B1 (en) 2019-04-11 2020-03-17 왕인범 System for integrated managing individual financial information
KR20200050773A (en) * 2018-11-02 2020-05-12 한국정보통신주식회사 A method and an apparatus for providing causing promotion analysis information

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101647383B1 (en) * 2015-03-17 2016-08-23 (주)누벤트 Method and system for managing sales data
KR20160113068A (en) * 2015-03-17 2016-09-28 (주)누벤트 Method and system for managing sales data
KR20170001535A (en) * 2015-06-25 2017-01-04 (주)누벤트 User device, server and computer program for providing real-time store data
KR101723138B1 (en) 2015-12-14 2017-04-04 (주)케이솔루션 Card member store payment transmission service system and the method thereof
KR20180074085A (en) * 2016-12-23 2018-07-03 주식회사 이팝콘 System and method for providing user's spending details using payment messages
KR101880641B1 (en) * 2016-12-23 2018-07-20 주식회사 이팝콘 System and method for providing user's spending details using payment messages
KR101894678B1 (en) * 2017-11-27 2018-09-04 곽수용 Customer-seller centered fitting service method through consumption pattern analysis based on food order
KR20190092122A (en) * 2018-01-30 2019-08-07 현대카드 주식회사 Method for recommending hot websites and server using the same
KR20200050773A (en) * 2018-11-02 2020-05-12 한국정보통신주식회사 A method and an apparatus for providing causing promotion analysis information
KR102090282B1 (en) 2019-04-11 2020-03-17 왕인범 System for integrated managing individual financial information

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